It's a definite maybe. Lloyds uses Faster Payments, which means a same day transfer; if you only want to send £10. Alliance and First Direct maybe using it, but you can't see from their online banking. And even if you can send with Faster Payments, how do you know if the account you're sending to can receive it? Actually, that's the only easy bit - check it at http://www.apacs.org.uk/sortcodechecker/. But in most cases, for another few months, the banks are still eating your interest and stealing your money for three days when it should be 3 seconds (that's how long a fraud check at a credit card terminal takes, after all - and all the rest is hand waving).