It has been brought to our attention that over the last few days some fake messages have been sent out impersonating Paym and asking customers to follow a link to receive money. This is not legitimate; a genuine Paym message won’t ask you to register to collect funds already sent. Copies of genuine Paym text messages can be found at
If you think you may have fallen for an online scam, you should contact your bank using the phone number on the back of your debit card, or printed on a bank statement.
Additional advice about how to avoid being a victim of online banking scams can be found at

Pay your friends using just their mobile number

Find it in your banking app. You’ve got it, so use it!

Register nowRegister now

What is Paym?

Paym helps you pay your mates back quickly and easily using your current banking app. Forget asking for your mate’s sort code and account number (they probably won’t know either) and no more searching for a cash machine in the rain to settle up (not to mention the queues). Paym lets you pay back your family and friends using only their mobile number.

Oh…and it’s 100% free!

How does it work?


Register and login

Open your online banking app to register for Paym (check with your particular bank website for steps).

Enter details

Enter the name and amount you want to pay (your app will open up your phone’s contact list automatically).

Confirm and send

Confirm the account name to ensure you are paying the right person and send the money instantly.

We'll send a text

If the person you’re paying hasn’t registered in their banking app, no money will send. Depending on who they bank with, most will receive a text that someone tried to pay them.

Free to register, free to use

Fifteen banks and building societies offer the Paym service. Click on yours for more information, or open your banking app to register there.

Bank of Scotland
The Cumberland
Danske Bank
first direct
Isle of Man Bank
Lloyds Bank
Nationwide Building Society
Royal Bank of Scotland
Ulster Bank


The idea behind Paym is really simple – pay someone using just their mobile number. If you have any questions you will find answers to some common questions under the categories below.

Free to register, free to use

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