How to sign up for Paym

How to send money using Paym

  1. Log into the Banking app on your phone.
  2. Tap on the menu at the top right of the screen.
  3. Tap Payments & Transfers.
  4. Tap Pay or Move Money.
  5. Look for the Paym logo and tap Pay a UK mobile number.
  6. Choose a contact to pay.
  7. Choose an amount up to £250.
  8. Tap Make payment.


If you try to send money to someone who hasn’t signed up for Paym, they’ll get a text message to let them know, but the money won’t leave your account. You’ll need to make the payment again when they’ve signed up or pay them another way.

Good to know

Paym payments are usually instant, but they could take up to 2 hours to reach the other person’s bank account.

If someone sends money to you using your phone number, you’ll get a text message from Paym to let you know.

If you want to send more than £250 in one day, you can use the Banking app or Internet Bank to make a payment from your current account into someone’s bank account.

If you have a current and joint current account with us, only one account can be linked to Paym.