# Instructions for SWIFT Payment

SWIFT payment can be international GBP payment or UK high value domestic payment to CHAPS scheme. LHV Bank does not support SWIFT payment on behalf of another debtor.

SWIFT payments have currency-based cut-off times and settlement priority. See the full conditions on our [Payments page](https://www.lhv.com/financialinstitutions/payments). 

#### Priority codes

`PmtTpInf.LclInstrm.Prtry`

* For CHAPS payments, use the priority code  `EXPR` 
* For SWIFT payments, we recommend using `EXPR` or `HIGH`.

#### Charge Bearer codes

For charges bearer in `ChrgBr`, use `SLEV` or `SHAR` in CHAPS payments.

#### Purpose codes

We encourage the use of payment purpose codes in `Purp.Cd` to improve straight-through processing and compliance. For example, liquidity-related transfers should use the following external purpose code:

* LIMA — Liquidity Management

Full list of codes is available in [Transaction Purpose Codes](/home/connect/overview/code-reference-tables/purpose.md).

## CHAPS Payment

If a SWIFT payment is UK domestic, it must comply with the Bank of England CHAPS scheme rules.

For property-related payments, inclusion of a Purpose Code in `CtgyPurp.Cd` is mandatory.

Relevant CHAPS Property Purpose Codes:

* HLRP — Property Loan Repayment
* HLST — Property Loan Settlement
* PLDS — Property Loan Disbursement
* PDEP — Property Deposit
* PCOM — Property Completion Payment
* PLRF — Property Loan Refinancing

Full list of codes is available in [Category Purpose Codes](/home/connect/overview/code-reference-tables/category-purpose.md).

References

* Bank of England: [Mandating ISO 20022 enhanced data in CHAPS | Bank of England](https://www.bankofengland.co.uk/paper/2024/policy-statement/mandating-iso-20022-enhanced-data-in-chaps#_Property_Purpose_Codes)


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