The Banking app can only be used to make payments to existing payees you've paid before. You can find out how how to set up a payment, or log in to the the Internet Bank to set up a new payee.
However you can make and receive payments securely using the Paym service within our Banking app, without setting them up as a payee first. When sending a payment using the Paym Service, there is a limit of £250 per day per account. Find out how to sign up for Paym.