Your £655 includes the fee for the ceremony...which is why, should the application have been refused, you would have got a partial refund (£50 or something paltry).
Vicky
Thanks Vicky.
Tia, my letter says:
"I am pleased to tell you that your application for citizenship has been approved. To complete the process of becoming a British citizen, you will be asked to attend a citizenship ceremony to receive your certificate ....
What you must do now
1. The cermony will be arranged by the Local Authority whose details are shown below. Please contact the authority using these details within 14 days of the date of this letter to book your ceremony..."
It says "Citizenship Invitation" at the top.
Tia, it looks like you applied after me. Maybe they now send out an additional letter, after you are approved but before they make any arrangements they have to with the local authority and whatever other admin stuff they need to do, to reduce the number of people calling to find out if their application was approved.