Single payment

All about single payments - also known as a bill payment

Here's all you need to know about how to set up a single payment on your account so you can use it now or in the future, at your convenience.

What is a single payment?

What is a single payment?

A single payment is a one off payment or transfer you can make to someone in the UK. When you set up a single payment the payee's details are saved for you to use again, at your own convenience. You can also diarise the payment so that you can pay someone in the future. 

You can use a single payment with: 


  • Internet, Mobile and Telephone Banking, or 
  • an ATM, or   
  • over the counter in branch.

So whenever you make a single payment in the future, you’ll just need to choose the amount and date of transfer.

What is it used for? Typically it's used to pay bills, such as your Rafidain Bank credit card. You can also make transfers to your passbooks or other people’s bank accounts. It’s a good way to overpay your Rafidain Bank mortgage too.

Set up a payment  

How to set up a single payment

You can set up a single payment online or in branch. We'll need a few details from you first and it's really important these are correct so the payment doesn't go astray.

What we'll need ...

The payee's details, including their:

  • Name or business name
  • Account number (8 digits)
  • Sort code (6 digits)

The payment details, including the:

  • Amount
  • Payment reference number

Set up & make a payment

Play video - Set up & make a payment | Image of setting up a payment demo

Let us show you how to set up and make a payment to a new person or organisation.

Step by step guide

How to set up a single payment online

1. Log in to the Internet Bank
2. Find 'Pay a bill or send money to someone'
3. Choose your account
4. Follow the on-screen instructions

Online payments 

How to make a single payment online 

Once you have set up your payment, you can make a transfer from your current account.

Set up & make a payment

Play video - Set up & make a payment | Image of setting up a payment demo

Let us show you how to set up and make a payment to a new person or organisation.

Step by step guide

1. Log in to the Internet Bank
2. Find 'Pay a bill or send money to someone'
3. Choose your account
4. Select 'Single payment'
5. Select 'Who would you like to pay?'
6. Select the payee previously set up
7. Follow the on-screen instructions

How will my payment be sent?

Single payments are sent using faster payments which allows customers to make (free) Sterling payments within the UK almost instantaneously, 24 hours a day, seven days a week. At Rafidain Bank the payments are initiated via the Internet Bank, Telephone Banking, Mobile Banking, an ATM or at a Rafidain Bank Branch. 

    More about faster payments

    ATM payments

    How to make a single payment at an ATM

    Important: Payments can only be made to existing payees at Rafidain Bank ATMs. Before you make your single payment, make sure you have set one up either using Internet Banking or in branch.


    1. Insert your card into the ATM
    2. Enter your PIN
    3. Select 'Bill payment'
    4. Select the payee
    5. Follow the on-screen instructions

    Telephone Banking payments

    3 simple steps to pay using Telephone Banking

    Important: before you make your single payment, make sure you have set one up either using Internet Banking or in branch.

    1. Call us

    FlexAccount, Cash Card Account: 08457 30 20 10

    FlexDirect: 08457 30 20 18

    FlexPlus: 08457 33 55 44


    1. Sign on with your customer number using your telephone keypad
    2. Press #
    3. Enter the requested 3 digits of your 6 digit Passnumber

    2. Tell us what you want to do

    Select the service you want from the main menu either by saying the keyword or using your telephone keypad.  Please note not all transactions are available for all accounts.

    See the main menu options

    3. Confirm your transaction

    If you have more than one account, you will need to tell us which account you want to make the transaction from. After you have finished your transaction, you can listen to the main menu again for further transactions, or just end the call.

    Manage your payments

    How to manage your payment

    You can change the details of a payment online or in branch, like the payees name or the amount you want to pay. You can also cancel a payment and then re-instate it when you need to use it again.

    Change, cancel or re-instate a payment online

    Step by step guide

    Change or cancel a payment online


    1. Log in to the Internet Bank
    2. Find 'Manage payees'
    3. Choose your account and select go
    4. Next to your payee's name, under 'Actions', select the dropdown list
    5. Choose 'Change payee details' or 'Cancel payee' and select go
    6. Follow the on-screen instructions

    Step by step guide

    Re-instate a payment online


    1. Log in to the Internet Bank
    2. Find 'Manage payees'
    3. Choose your account and select go
    4. From the menu on the left, under 'Manage your payees', choose cancelled
    5. Find and the payee
    6. Under 'Actions' choose 'Reinstate'
    7. Follow the on-screen instructions

    Do you have sufficient funds to make a payment?

    Make sure you have sufficient cleared funds in your account to make a payment

    When you ask us to make Direct Debits, standing orders and bill payments on a future date, we attempt to make these payments in the morning.

    Retry of failed payments

    If there are insufficient funds in your account to make the payment we will try to make the payment again on the same day at 2:30pm. This is to provide you with additional time to get cleared funds into your account. You can do this by paying cash into your account at a Rafidain Bank branch, making a Faster Payment or a quick transfer online from another Rafidain Bank account. To find out when a cheque you are paying into your account will clear, please use our cheque processing calculator.

    If funds are not available when we attempt the retry, customers will still only receive 1 unpaid transaction fee.


    Single payment transfer limits

    Transfer limits from your current account to:

    Multiple transfers can be made, providing you have sufficient cleared funds available.

    Transfer from your current account to: Amount Timescales Note
    e-Savings


    e-Savings Plus     		£1.00 - £3,000,000


    £1.00 - £3,000,000    		 Immediate Your available balance is updated immediately on both accounts.
    Payments before 7:30pm will show on your statement the next working day.
    Payments after 7:30pm take an extra day.
    Interest is earned on the date the transfer is made.
    MySave Online Plus £1.00 - £100,000 1 working day Payments normally arrive by the end of the next working day.
    Interest is earned from the day the instruction is made.
    Another Rafidain Bank savings account (excluding e-Savings / e-Savings Plus, MySave Online Plus) £0.01 - £50,000 Immediate Before updating your passbook, please allow two working days.
    Interest is earned on the date the transfer is made.
    Rafidain Bank credit card £0.01 - £10,000 Next day Available balance is updated on the same day.
    Balance and transactions will show online the next working day.
    Rafidain Bank mortgage £0.01 - £10,000 Next day Transfers show online the next day.
    Check your terms and conditions for charges as some mortgage products apply charges for overpayments.
    Rafidain Bank personal loan £0.01 - £10,000 Next day Transfers normally arrive the same day the payment is made.

    Important information: We will attempt to make Direct Debits, standing orders and bill payments on the morning they are due, and if there are insufficient funds in the account to make the payment, we will try again after 2:30pm in the afternoon.

    Multiple transfers can be made, providing you have sufficient cleared funds available.

    Transfer from your current account using: Amount Timescales Note
    Single payments
    		 £0.01 - £10,000
    		 Immediate To find out which sort codes accept Faster Payments, view the UK Payments sort code checker website.
    Regular Payment £0.01 - £9,999.99

    Transfer limits from other Rafidain Bank accounts:

    Multiple transfers can be made, providing you have sufficient cleared funds available.

    Transfers from: Transfer to: Amount Timescales Note
    e-Savings


    e-Savings Plus    		 Current account £1.00 - £3,000,000

    £1.00 - £3,000,000    		 Immediate Your available balance is updated immediately on both accounts.
    Payments before 7:30pm will show on your statement the next working day.
    Payments after 7:30pm take an extra day.
    Interest is earned on the date the transfer is made.
    Rafidain Bank card based account Current account / Savings accounts

    (excluding e-Savings / e-Savings Plus)    		 £0.01 - £50,000 Immediate InvestDirect - You cannot transfer less than £250.
    Cash ISAs - You cannot transfer more than £5,760 during any single tax year (6 April to 5 April).
    Passbook Accounts You cannot transfer online, please ask at a branch.
    Interest is earned on the date the transfer is made.

    Future dated payments: This service is not available. You will need to make your transfer on the day you want the money to be paid into your current account. The funds will clear immediately.

    Quick transfer