Current Account to use as Nominated/Linked Account.

1. Nationwide, I thought they have increased the daily limit up to 100k

www.nationwide.co.uk/help/payments/transfer-limits-and-timescales/

I haven’t tested new limit myself as I don’t like the chance needing the card reader.

2. Starling, sending payment under 20 k usually bypasses further checks, but not guaranteed. Sending larger payment, like 50k are usually done same day. 

However, receiving large sum in Starling can easily triggers further check before releasing the fund.

Personally, FD and Santander cover most of my needs. FD sends CHAPS payment under 100k free and 50k as FPS via online banking. 




Edit: The alternative is paying by debit card, it easily covers any payment under 100k with just one check like verified by VISA. NS&I takes debit card, but it takes 3 days to clear.

They're not too bad if you control them i.e. they ask you to call them. My first experience of a 5 hours wait for them is just not good enough.

Does First Direct really do Free CHAPS transfer for upto £100K ?

spiral , you are right FD is the only bank to fill up 85k with the nominated bank account in a single day via online banking per account. 

I rarely get internal checks by HSBC from FD payment within the last 6 months. I am not an expert, I have no idea how their internal checks pick up the triggers, but I restrict myself not transferring £49999 as first payment.

After the first payment passing the "first internal check" without pending, any subsequent payment usually goes through instantly.

To make larger payment transfer faster say above the using online banking transfer limit, I have multiple payees setup with the same beneficiary but different payment reference. For example, Mr B ref 0001, Mr B ref 0002 and Mr B ref 0003. They usually go through instantly. Even with the same payment reference, they can be paid same day without being bothered by internal checks.

However, when they is no COP match, or it is being labelled as "crypto currency payment", expect more trouble as usual.

you may find the level of security check will diminish over time, given you haven't been with them that long. I am a very long standing FD customer (probably only a year or two from their founding). However, I came quite close to leaving them a while back: they introduced new fraud prevention measures and they were driving me insane. There were times I got quite angry with them on the phone, and I'm genuinely mindful not to be with customer service reps as they aren't responsible for policy. I recall when I started using Atom savings. I think they put transfers to them through fraud checks at least 3, maybe even 4 times. This included reversing some transfers despite having contacted them and confirming the transfers. i reverted to using telephone banking: so counter productive. It has now quietened down A LOT. I've recently been moving quite a lot around, and that has included quite a few new payees. I think I've only had one fraud check in more recent times.

For a period, I did find that doing a smallish first transfer (but not too small) of say £1k, and then doing a second transfer of larger sum seemed to negate fraud checks being triggered. Possibly because the first was below a threshold, and the second was "OK 'cos that payee has previously been used". Or it was just coincidence.

FD used to be the absolute dog's b's when it came to customer service. However it has gone through a rough patch. A new CEO - presumably because of operational costs - reduced the level of telephone service, automated stuff  etc. But the service went through the floor: I think a lot of people like me were actcually resorting to using the tel. service for things we had been doing online precisely because of the frustrations e.g. the fraud checks, and tel. service went through the floor due to overload. The CEO did recognise it, told customer's they were beefing up tel. services but it would take time, and "blamed" the fact that customers wanted to do more by telephone than previously. THAT'S BECAUSE FD SCRE*ED UP THE ONLINE SERVICES BY CREATING ALL THESE PITA BEHAVIOURS.