Where a payment service user places cash on its payment account with a payment service provider in the same currency as that payment account, the payment service provider must -
(a) if the user is a consumer, micro-enterprise or charity, ensure that the amount is made available and value dated immediately after the receipt of the funds;
(b) in any other case, ensure that the amount is made available and value dated no later than the end of the next business day after the receipt of the funds.