{
  "id": "banking/uk-faster-payment-limit-for-non-resident",
  "signature": "AI tells a UK non-resident that Faster Payments (FPS) has no daily limit for personal accounts",
  "signature_zh": "AI 告诉英国非居民，个人账户的快速支付（FPS）没有每日限额",
  "regex": "Faster Payments.*limit.*exceeded|FPS.*daily.*cap|non-resident.*FPS.*limit",
  "domain": "banking",
  "category": "config_error",
  "subcategory": null,
  "root_cause": "UK Faster Payments typically have a £250,000 per transaction limit, but most high street banks impose a much lower daily limit (e.g., £10,000–£25,000) for non-resident or basic accounts, and exceeding it triggers a manual review or rejection.",
  "root_cause_type": "generic",
  "root_cause_zh": "英国快速支付通常每笔交易限额为 25 万英镑，但大多数高街银行对非居民或基础账户设置了更低的每日限额（例如 1 万至 2.5 万英镑），超出限额会触发人工审核或拒绝。",
  "versions": [
    {
      "version": "Faster Payments Scheme v2.0",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "Monzo API v3.1",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "HSBC UK Online Banking v2024.1",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    }
  ],
  "os_specific": {},
  "dead_ends": [
    {
      "action": "",
      "why_fails": "Many banks enforce a cumulative daily limit, not per-transaction, so multiple small transfers still hit the cap.",
      "fail_rate": 0.8,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "Non-resident accounts are often restricted by policy, and banks require documented income or a UK address for any increase.",
      "fail_rate": 0.7,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "CHAPS also has bank-specific limits and typically requires a UK-resident status or higher fee structure for non-residents.",
      "fail_rate": 0.6,
      "condition": "",
      "sources": []
    }
  ],
  "workarounds": [
    {
      "action": "Use a multi-day strategy: send £9,000 per day for three days to stay under the typical £10,000 daily cap.",
      "success_rate": 0.9,
      "how": "Use a multi-day strategy: send £9,000 per day for three days to stay under the typical £10,000 daily cap.",
      "condition": "",
      "sources": []
    },
    {
      "action": "Switch to a bank that offers higher FPS limits for non-residents, such as Monzo (up to £250,000 per day with verified account).",
      "success_rate": 0.85,
      "how": "Switch to a bank that offers higher FPS limits for non-residents, such as Monzo (up to £250,000 per day with verified account).",
      "condition": "",
      "sources": []
    },
    {
      "action": "Example code to check FPS limit via Open Banking API (using Python and requests):\nimport requests\nurl = 'https://api.ob-bank.co.uk/open-banking/v3.1/accounts/{accountId}/limits'\nheaders = {'Authorization': 'Bearer {token}', 'x-fapi-financial-id': 'OB-123'}\nresponse = requests.get(url, headers=headers)\nprint(response.json()['Data']['Limit'][0]['Amount'])\n# Parse 'Amount' field to see daily limit",
      "success_rate": 0.8,
      "how": "Example code to check FPS limit via Open Banking API (using Python and requests):\nimport requests\nurl = 'https://api.ob-bank.co.uk/open-banking/v3.1/accounts/{accountId}/limits'\nheaders = {'Authorization': 'Bearer {token}', 'x-fapi-financial-id': 'OB-123'}\nresponse = requests.get(url, headers=headers)\nprint(response.json()['Data']['Limit'][0]['Amount'])\n# Parse 'Amount' field to see daily limit",
      "condition": "",
      "sources": []
    }
  ],
  "workarounds_zh": [
    "Use a multi-day strategy: send £9,000 per day for three days to stay under the typical £10,000 daily cap.",
    "Switch to a bank that offers higher FPS limits for non-residents, such as Monzo (up to £250,000 per day with verified account).",
    "Example code to check FPS limit via Open Banking API (using Python and requests):\nimport requests\nurl = 'https://api.ob-bank.co.uk/open-banking/v3.1/accounts/{accountId}/limits'\nheaders = {'Authorization': 'Bearer {token}', 'x-fapi-financial-id': 'OB-123'}\nresponse = requests.get(url, headers=headers)\nprint(response.json()['Data']['Limit'][0]['Amount'])\n# Parse 'Amount' field to see daily limit"
  ],
  "transition_graph": {
    "leads_to": [],
    "preceded_by": [],
    "frequently_confused_with": []
  },
  "official_doc_url": "https://www.wearepay.uk/faster-payments-scheme/",
  "official_doc_section": null,
  "error_code": "FPS_LIMIT_EXCEEDED",
  "verification_tier": "ai_generated",
  "confidence": 0.85,
  "fix_success_rate": 0.75,
  "resolvable": "partial",
  "first_seen": "2024-03-15",
  "last_confirmed": "2024-06-01",
  "last_updated": "2024-06-01",
  "evidence_count": 1,
  "tags": [],
  "locale": "en",
  "aliases": []
}