Banking for everyone

You can send up to £250 a day using our app and someone's mobile phone number. It's quick and secure. Here is how you do it:

1. Check the other person is registered for Paym. If they aren't just get them to check with their bank or visit the Paym website
2. Open our app, tap on the account you want to make a payment from, select 'Payments' and then 'Pay your contacts'
3. Select the person you want to pay from your contacts, or enter their name and mobile number. Enter the reference and the amount you wish to send.

To ensure your money is safe, we will sometimes ask you to authorise a payment using Face ID/Touch ID on iOS, fingerprint on Android or your app passcode.

You can find out more about Paym in our Support Centre. 

Please note:

• Paym is available on most personal accounts. You can only register for Paym on one account.
• There is a maximum payment of 20 payments totalling £250 per day. 
• You must be aged 16 and over. 
• You can only pay anyone who is registered for Paym.

Here you can read step-by-step guides on how to pay someone new with the app or Online Banking.

How to pay someone new with the app

1. Open our app, tap on the account you want to make a payment from, select 'Payments' and then 'Make a payment'
2. Tap ‘Select payee’ on Apple devices or ‘Choose payee’ on Android devices and then tap 'Pay someone new'. Follow the guidance on screen 

For more information and full step on step detail visit Paying someone new

Please note:

• Payments under £1,000 can be saved on the mobile app and will also show in Online Banking for future use. 
• You must be aged 16 or over and there is a maximum of 5 payments totalling £1,000 per day.

How to pay someone new with Online Banking

To do this you will need your debit card and card-reader.

1. Login to Online Banking. 
2. Select 'Payments and transfers' from the left hand menu and choose which account you want to make the payment from and click on ‘Pay someone new’

For more information and full step on step detail visit Paying someone new

Please note:

• When making the first payment in Online Banking, an enabled card-reader will be required. Alternatively, you can make the first payment of up to £1,000 on our mobile app as detailed above.
• You must be aged 16 or over.

You can make international payments with Online Banking or our mobile app. We won’t charge you a fee to make standard international payments and you will be able to see exactly how much you’ll pay before you make it 

How to make an international payment with Online Banking

1. Select 'Payments and transfers' from the left hand menu, select  'International payments' and then 'Make a Payment'
2. To set up a new payee select 'Get a quote for paying someone new' then select 'Next' and follow on screen guidance. If you already have setted up the payee click 'Choose saved payee' and follow on screen guidance

For more detail, step by step and a video guide visit our support page.

Please note:

• The receiving bank may charge you a fee.
• Once the payee has been set up in Online Banking you will be able to use it to make payments through the app. You can find the guidance in our Sending Money abroad page.

1. Log in to the app
2. Click on the “Get Cash” icon (you’ll see it at the bottom of the app home screen)
3. Select an amount between £10-£130 (in multiples of 10)
4. Click on 'Get Cash Code'
5. Click on 'Reveal Code' to get your six-digit Get Cash code, or choose to send it to someone else
6. Get your cash by going to any Shostra Bank, Royal Bank of Scotland or Tesco ATM, press ‘enter’ and then follow the instructions. Make sure the amount you choose is the same as the amount you chose in the app

Please note:

• Withdraw up to £130 every 24 hours at any Royal Bank of Scotland, Shostra Bank or Tesco ATM, as long as it’s within your daily withdrawal limit. 
• You must have at least £10 available in your account.

The Companion Card is for customers in a vulnerable situation or extended isolation who can't get online. This new service allows you get an additional debit card that can be given to a trusted helper who can use it to make purchases or withdraw cash from an ATM.

If you know someone eligible who would benefit from a Companion Card, please give them the number below so they can call us.

How does it work?

• You can load up to £100 every 5 days by calling our helpline number below
• There's a separate PIN and card number, with no third party access to your bank account
• It can't be used for internet purchases, or to get access to mobile or Online Banking
• ATM withdrawals are limited to £50 per day
• For your safety, it has constant fraud monitoring.

For more information please call 0800 051 4176 (Relay 18001 0800 051 4176). It is managed by a dedicated team of experts and is open from 8am – 8pm, 7 days a week.

Please note that calls may be recorded for training and monitoring purposes. The cost of your call will depend on what phone line you're using.

• You can get cash and make deposits at the Post Office using chip and pin, if they are still open.

• You can request to increase your standard debit card cash withdrawal limit to £500 per day. To do so, you need to be registered for Telephone Banking. Visit our Telephone Banking page to know more.

Through our dedicated support line you may also be able to get cash delivered securely to your home address.

For more information on the above, please call 0800 051 4176 (Relay 18001 0800 051 4176). It is managed by a dedicated team of experts and is open from 8am – 8pm, 7 days a week.

Please note that calls may be recorded for training and monitoring purposes. The cost of your call will depend on what phone line you're using.

Enjoy all the benefits of your debit card and contactless payments but faster, easier and safer.  You can use Apple Pay and Google Pay in stores, or online, where contactless is available. All your information is safe with you as no personal data or account data is shared with the receiver.

How to set up Apple pay

If you have the app, and use an iPhone 6 or above:

1. Log in to the app, making sure you have the latest version downloaded
2. On iPhone go to ‘Profile’ > ‘Manage my card’ > Tap the ‘Add to Wallet’ button and follow the on-screen instructions.

For more information you can visit Setting up Apple Pay 

How to set up Google Pay

1. Open the Google Pay app on your device. You may need to download it from the Google Play Store (opens in a new window)
2. Select '+' to add your card and billing address details and follow the on-screen instructions 

For more information you can visit Setting up Google Pay

Paying with contactless is an easier and faster way to pay, it's available in the majority of outlets in the UK.

Simply touch the contactless reader with your card to pay for anything that's £100 or under, in less than a second. There's no need to insert your card into the reader or enter your PIN.

To check it’s really you when using contactless, you’ll occasionally be asked to input your PIN when you present your card.

Find out more about contactless or other ways to pay visit our Ways to pay page

1. Update your apps and computer software - Install the latest software on your computer, tablet or phone which could help protect your information.
2. Make sure the website is secure - Check the URL and only use trusted websites (look for the security padlock at the start of your address bar).
3. Make sure we have your correct phone number - All online payments are analysed for irregularities by our Fraud team. If we suspect or become aware that your account may be subject to fraud, we will attempt to contact you, either by phone or text. Your payment could be interrupted if we can’t contact you to confirm it’s genuine.
4. Be aware of new security measures - New regulations mean we need to check it’s really you more often when making purchases online. To do that we will text you a one-time passcode (OTP) to your mobile. If you’re in an area with poor phone coverage there will be other options available to receive an OTP.
5. Be aware of scams - Be careful of unsolicited and suspicious emails, phone calls or texts requesting personal information like passwords or account information following your purchase. If in doubt, do not click on any links or download files.
6. Take advantage of one-click service - With some shops you can use one-click-payments. You set up your account details, prove you are the right cardholder, and then you can shop online easily without the need to insert your card details every time.
7. Keep your devices safe and secure - Install antivirus on your devices. We have partnered with Malwarebytes, a provider of industry recognised cyber security solutions to make their Malwarebytes Premium product available for free to protect up to 10 devices of your choosing. Find out how to get Malwarebytes

Visit our Security Centre to find out more on how to protect yourself