Collections and receivables
Receive customer payments, monitor incoming funds and improve visibility over outstanding collections.
Treasury management
Improve control over business cash flow.
Manage collections, payments, liquidity and account reporting with treasury services suited to your operating requirements.
Treasury services
Manage money coming in, moving through and leaving the business.
Our treasury services support receivables, supplier and payroll payments, cash positioning, reporting and payment security.
Payments and disbursements
Manage supplier payments, payroll-related transactions and scheduled disbursements with appropriate controls.
Reporting and reconciliation
Access transaction information, statements and reports that support accounting and reconciliation processes.
Liquidity management
Monitor operating and reserve balances so available cash can be positioned more effectively.
Payment controlSet user permissions, transaction limits and approval responsibilities before payments are submitted.
Payment governance
Business digital access
Protect business payments with clear authority and approval controls.
Each authorised user should have individual credentials and permissions suited to their role. High-value or unusual payments should receive independent review before release.
✓Assign separate user credentials and role-based permissions
✓Set transaction limits and approval requirements
✓Verify amended supplier or beneficiary details independently
✓Review rejected, returned and unusual transactions promptly
Setting up treasury services
Start with the way your business collects, pays and reports.
Our business banking team will review your account structure, authorised users, transaction volumes and control requirements.
Review cash flows
Identify how customer receipts, supplier payments, payroll, transfers and reserves move through the business.
Confirm authorised users
List administrators, payment initiators, approvers and employees who require view-only access.
Set limits and alerts
Establish transaction limits, approval levels and notifications for activity that needs attention.
Test and review
Confirm that users understand the process and review permissions whenever staff responsibilities change.
Payment instruction controls
Discuss payment controls
Verify every change to supplier and beneficiary details.
Unexpected requests to replace banking details or release a payment outside the normal process should be confirmed through a trusted contact method before funds are sent.
✓Do not rely on the reply email or telephone number in the request
✓Call a known contact using details already held by your business
✓Treat secrecy, pressure and unusual urgency as warning signs
✓Escalate exceptions before funds are released
Discuss your treasury requirements
Prepare the information needed for a productive business banking consultation.
Consider your transaction volumes, payment methods, user roles, reporting needs and current approval controls.
Collections
How do customers pay the business, and how quickly do you need confirmation and reconciliation information?
Payments
Which supplier, payroll and recurring payments require initiation, approval or dual control?
Account reporting
Which statements, transaction exports and daily reports are required by finance and operations teams?
User administration
Who will manage access, approve changes and review users when roles or employment status change?
Bring business accounts, payments and reporting together.
Speak with our business banking team about treasury services for your organisation.