Pay a Contact

Quick and secure payments direct from your mobile.

With Pay a Contact it’s easy to pay friends, family or small businesses using your mobile phone.

Linking your phone number to your bank account, it’s a secure and convenient way to make payments without cash.

All you need to do is register. Then you can send and receive money from other registered users.

Why use Pay a Contact?

  • Send and receive money using just a UK mobile number
  • It’s quick, simple and secure
  • No need to share your bank account details with others

How to register

You need to be signed up for Internet Banking or Mobile Banking to register for Pay a Contact.

To register you will need your UK mobile phone number and bank account details.

Enabled by:

Paym logo

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Register for Internet Banking

Keep in mind

You need to be registered for internet or mobile banking.
You need to be registered for Pay a Contact.

To receive payments you can only register one account to your mobile number.
To send and receive payments you must be registered with Paym.

Pay a Contact is part of Paym.
Paym is a wider mobile payments service using mobile numbers to send money between users.

Pay a Contact payments are sent as Faster Payments through our Internet Banking service and Mobile Banking app.

Frequently asked questions

  1. What is Paym?

    Paym is the central database and service developed by the Payments Council and operated by Mobile Payment Service Company Limited in partnership with participating financial institutions.

    When you register for Pay a Contact, your mobile phone number and linked account details are stored on the central Paym database. This allows participating banks to route any payments made using just your mobile phone number to your registered account.

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  2. Are there any restrictions on what I can use Pay a Contact for?

    Yes. You cannot use Pay a Contact to make a single payment of less than £1.00 or above the daily limit of £300.00.

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  3. What happens if my mobile phone is lost or stolen?

    Pay a Contact payments can only be sent using Internet Banking or Mobile Banking. To access this, you need to log in using your user ID, password and memorable information. No one will be able to access your account without this information.

    In the event of your mobile phone being lost or stolen, your contacts can still send you payments using Pay a Contact.

    If, as a result of your mobile being lost or stolen, you change your mobile number you should log in to Internet Banking or Mobile Banking and remove your old mobile phone number from your personal details. This automatically de-registers the number from Pay a Contact. You should also remind your friends and family of your mobile number being changed.

    When you have a new mobile phone number, you can update your Internet Banking or Mobile Banking personal details and register the number for Pay a Contact.

    If you have reason to suspect your security credentials have been compromised, you should call us immediately on 03456 02 00 00.

    If you are calling from abroad or would prefer not to use the 0345 number, you can call us on +44 (0)1132 789 302.

    We would advise you not to store this information on your mobile or anywhere else.

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  4. Can I register a UK landline for Pay a Contact?

    No. The service is only available for UK mobile phone numbers.

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  5. Is my account eligible for Pay a Contact?

    The following accounts are eligible:

    Basic Account
    Cash Account
    Cardcash (Over 19) Current Account
    Cardcash 16/17 Current Account
    Classic
    Classic Vantage
    Easycash
    Gold
    Gold Vantage
    Graduate Account
    Platinum
    Platinum Vantage
    Premier
    Premier Vantage
    Private Banking Flexible Current Account
    Private Banking Premier Current
    Private Banking Premier Plus
    Reward Current Account
    Silver
    Silver Vantage
    Standard Current Account
    Student Current Account
    Student, Under 19s Account
    Ultimate Reward Current Account

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  6. Can I register for Pay a Contact on my joint account?

    Yes. You can send payments from or receive payments into your joint account. You shouldn’t register a joint account without first agreeing this with the other account holders. Only one account holder needs to register in order for that account to be able to receive payments via Pay a Contact.

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  7. I've registered my mobile phone number, to receive payments, with another bank and now want to register for Bank of Scotland Pay a Contact. What do I need to do?

    First you will have to de-register your number with the other bank / building society following their de-registration instructions. When you’ve successfully de-registered from the other bank’s / building society’s service you can register with Bank of Scotland.

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  8. Are my details shared with a 3rd party and are these held securely?

    Your mobile phone number, name and bank account details (sort code, account number and 16 digit PAN number) will be recorded on the secure Paym central database. This database links your mobile phone number with the current account you’ve registered for Pay a Contact and has the same level of security in place as you’d have with any of our other banking services.

    Only the information necessary to send and receive payments using just your mobile telephone number will be shared with participating banks and building societies.

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  9. Who can I send a payment to using Pay a Contact?

    You can send payments to any individual who has registered for the service through a participating bank or building society. Any payment made using Pay a Contact will be shown on your statement as MPO – Mobile Payment Out.

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  10. How much can I send using Pay a Contact?

    You can make payments from £1.00 to £300.00 from each of your accounts (current and joint accounts) every day. You won’t be able to increase your daily limit. Each participating bank will have their own limits.

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  11. How do I know the money is being sent to the correct person / my contact?

    When you select or input your contact’s mobile phone number and the amount you want to pay, you will see a confirmation screen which shows the recipient name as registered to the mobile number on the central database. If this is the person you want to pay you can confirm the payment. If it isn’t the person you intended to pay or isn’t someone you recognise you should cancel the payment. Cancelling the payment will delete the existing beneficiary details and you will need to set up a new beneficiary.

    If you don’t recognise your contact from the details shown please check with them in the first instance to see if their details are correct.

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  12. Can I send a Pay a Contact payment to someone who has an account with another bank or building society?

    Yes, as long as your contact is registered on the central Paym database via their bank or building society.

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  13. Is there a charge for sending a payment using Pay a Contact?

    We don’t charge you for making or receiving payments through Pay a Contact, but your mobile operator may charge for some services (such as accessing the Internet) so please check with them. Payments made via Pay a Contact are made using existing payment processes (Faster Payment Service). We don’t charge for these payments.

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  14. How do I send money using Pay a Contact?

    Making a payment to a contact, friend or family member couldn’t be easier. Just log in to Internet Banking or Mobile Banking and select the Pay a Contact tab when making a payment. You will be asked to enter your contact’s mobile phone number, the amount you’d like to pay them, a reference and a password.

    If you’ve paid this person before their mobile phone details will be shown under Contacts in the drop down menu.

    If this is the first time you have paid this contact we will complete our usual Enhanced Internet Authentication (EIA) call to confirm you’d like to set up this contact as a new beneficiary.

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  15. How do I receive a payment?

    Once you register your mobile phone number with an eligible account for Pay a Contact, your friends and family can start sending you money using just your mobile phone number.

    When a payment is received into your account using your Pay a Contact registration you will receive a notification message (SMS) letting you know.

    This notification message will confirm the sender’s name, the amount being paid and the reference added by your contact.

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