How do I send money using Paym?

Paym logo

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

How do I sign up for Paym?

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 between £1 and £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 into someone’s bank account.