You can send a payment using the banking app or online banking of any participating bank or building society. 

Just log in as usual, select a contact or enter a recipient’s mobile number and press send. The exact way this process works depends on your banking app – click your bank or building society’s logo on this page for more detailed instructions.

How it works video link

Each time you send money through Paym, you are asked to verify the name of the recipient, so you can check you’re sending money to the right person. Once you’re happy, press send and you’ll receive confirmation straight away that your payment has been sent.

The person you are sending your Paym payment to will need to be registered for the service with their bank or building society. If they’re not registered we’ll send them a text with details of how to sign up for Paym.You will need to find another way to pay them until they sign up. More information about the text message we send them can be found here.

Before you can receive payments through Paym, you need to register your mobile number with your bank or building society and nominate the account you want to link it to.

Your friends will then be able to pay directly into your account using just your mobile number. Payments can take up to 2 hours but most are received within seconds.

Paym is completely free to use. You can check your bank or building society’s terms and conditions by contacting them directly.

More information for business customers can be found on the businesses and clubs FAQs below

You can send up to £250 a day, although you may be offered a higher daily limit by your bank or building society. Certain restrictions may also apply if you’re under 18.

Your bank or building society will be able to provide further details.

You don’t need a smartphone to receive payments but you will still need to register your mobile number.

Some banks or building societies may also offer the option to send payments without a smartphone. To find out, check with your bank or building society.

Every time you send money using Paym, you are required to verify the name of the recipient before confirming the payment, so you can check you’re sending money to the right place.

However if you do accidentally send money to the wrong person, your bank or building society will be able to advise you how they can help to try and recover the payment.

It isn’t possible to send a payment using Paym without your online banking app’s password or security code, but you should still contact your bank or building society immediately to report a lost or stolen phone. Your bank or building society will be able to suspend the service and reset your security settings.

You get the same legal protection with Paym that is already applied to your other current account, online and mobile payment services. You have protection against unauthorised transactions providing you don’t act fraudulently or without reasonable care.

Yes, 3 banks and building societies now offer Paym to their business customers; Barclays, HSBC and Santander

Click here to find out more about Paym for businesses.

Paym can only be used to pay money into UK current accounts. If you need to send money abroad, speak to your bank or building society about an alternative method.

You can only link one current account to your mobile number in order to receive payments.

However you can send money from any of your current accounts, providing they’re with one of the participating banks or building societies.

Yes, you can register more than one mobile number to a joint account.

Contact your bank or building society for further details.

If you have switched bank accounts or previously had a Barclays Pingit account you may already be registered for Paym with a different bank. Please contact this previous bank so that they can de-register your number. You can then register with your new bank.

You can change which account your mobile number is registered to at any time. If your mobile number is already registered  for Paym with another participating bank or building society, you should contact them first to de-register.

If you are unsure which organisation your mobile number is registered with, contact the bank or building society you want to change to and they will be able to help you.

You can de-register from the service at any time by contacting the provider you registered with. To change your registration from one provider to another, you need to de-register from the bank or building society you have signed up with and then re-register with the bank or building society you would like to move to.

No, although if you register your mobile number for Paym with your bank or building society you will receive any future payments.

It is not possible to send a payment to a mobile number that has not been registered for Paym, so no money will have left the sender’s account. The sender will need to find an alternative way to make the payment. Information on how to register can be found here.

Someone tried to send you money via Paym using your mobile phone number. We are sending text messages to alert people so that they can register for the service with their bank or building society and receive payments via Paym in future.

Paym only sends the following standard message:

“Someone has tried to send you money via Paym,the UK’s mobile payment service. To learn more about Paym, contact your bank or building society. Opt-out?Reply STOP”

Paym will NEVER ask you to send any personal information via text message and neither will your bank.

Paym will also NEVER send any messages that contain a direct link to a website.

You should be wary of scams involving fraudsters sending emails and/ or text messages (also known as SMS) at random, claiming to come from a reputable organisation, such as your bank, mobile phone company or Paym. This type of fraud is known as ‘phishing’ (for emails) or ‘smishing’ (for text messages).

If you would like more advice on how to stay safe, take a look at the government-backed Take Five awareness campaign:  https://takefive-stopfraud.org.uk/

If you think you may have followed a link in an email/ text message and visited a phishing site and provided your bank account details, contact your bank immediately.

If you are worried you have been a victim of fraud, you can report it to Action Fraud, the UK’s national reporting centre for fraud and internet crime:

actionfraud.police.uk

If you have received a text message, it means that someone used Paym to try and pay you using your mobile number. No record of your phone number is held by Paym unless you choose to register.

No, although if you register your mobile number for Paym with your bank or building society you will receive any future payments.

It is not possible to send a payment to a mobile number that has not been registered for Paym, so no money will have left the sender’s account. The sender will need to find an alternative way to make the payment. Information on how to register can be found here.

This information is not tracked, however if you register for Paym you will receive payment if the person tries again.

Yes – simply reply to the text message to 61111 with the word ‘STOP’ to opt out from receiving them. Normal text message charges apply.

You can now register for Paym with 15 banks and building societies, covering more than 95% of current accounts. If you are with a bank that doesn’t offer Paym, you can opt out from receiving texts by replying ‘STOP’ to 61111.

Paym is in talks with more banks and building societies to join the service, but you could also consider using the simple, quick and hassle-free Current Account Switch Service to move to a bank or building society that does offer Paym.

You can link your business account with Barclays, HSBC and Santander.

The payment can take up to 2 hours although most are received within seconds. For some accounts this could take longer than two hours so you should check with your bank or building society.

You can register multiple mobile numbers to one account. The exact number of phones per account is set by the participating bank or building society. Please note that each mobile number can only be registered once.

Sending limits for your individual customers, in terms of amount and volume, will be determined by their bank or building society. Apart from some specific cases, such as accounts for younger people, customers are able to pay at least £250 per day. There are no daily limits on how many payments you can receive, or on their total value.

Paym does not offer Application Programme Interface (API) support for integration into third party payment processes.