Once you’ve signed up for Paym, you can send up to £250 a day from your current account to someone’s UK bank account using just their mobile number and our Banking app.

To send money using Paym

  1. Log in to 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.

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.