Pay a mobile contact

How to send and receive money using a UK mobile number.

Pay friends or family easily

  • No need to share your bank details
  • Send between £1 and £300 a day
  • Receive a text message when you're paid money
  • Works with single and joint accounts

Keep in mind

To send payments you don't need to be registered for Pay a Contact but you do need to registered to receive payments

To use Pay a Contact with the app

  • 1. Select ‘Pay & transfer'

    You'll find this at the bottom of the app screen.

    2. Choose an account

    If you have more than one account, select the account you wish to make the payment from.

    3. Choose who to pay

    Either choose an existing payee or select 'Pay someone new' and ‘UK mobile number’ to set up a new one.

    4. Confirm mobile number

    Choose the mobile number you want to pay from your list of contacts or enter a mobile number.

    5. Check the details

    Enter the amount you want to pay and a payment reference.

    Confirm the details by pressing the 'Continue' button.

    6. All done

    The money will be sent to your contact as soon as possible.

  • 1. Check if you have received a text message

    When a payment is received into your account using Pay a Contact you’ll receive a text message letting you know.

    2. Confirm

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

  • 1. Select 'Profile and settings’

    You'll find this menu in the top right-hand corner of your app screen.

    2. Select 'Settings’

    Then select 'Pay a Contact settings' and 'Register’.

    3. Choose mobile number

    Then select 'De-register from Pay a Contact‘’.

    4. Confirm

    Confirm you want to de-register by entering your password and press 'Continue'.

    5. All done

    You will no longer receive Pay a contact payments into your account using this mobile number.

    You can also de-register for Pay a Contact using Internet Banking.

1. Select 'Profile and settings'

You'll find this menu in the top right-hand corner of your app screen.

2. Select 'Settings'

Then select 'Pay a Contact settings' and 'Register’.

3. Confirm mobile number

Select the mobile number you want to use and select 'Continue’.

4. Choose an account

Choose the account you want to link to, then read and accept the terms and conditions.

Press 'Continue' when you’re ready to proceed.

5. Validate your mobile number

We’ll give you a four digit code to enter when you receive our automated call. Follow the prompts to validate your phone number using the four digit code.

6. All done

You’re now ready to receive money using just your mobile number.

You can also register for Pay a Contact using Internet Banking.

Don’t have the app? You can download it now.

Frequently asked questions

  • 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.

  • All payments will be sent using Faster Payments Service and will leave the account immediately. In most cases the cleared money will be available on the recipient's bank account within 2 hours, but it can sometimes take up to close of business the next working day.

    The bank account that you are sending the money to will need to be able to accept Faster Payments. You can check if the sort code accepts Faster Payments by using the sort code checker tool on the Payments UK website.

  • 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.

  • Pay a Contact payments can only be sent using our app. 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 our app 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 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 0800 028 8335.

    If you are calling from abroad or would prefer not to use the 0345 number, you can call us on +44 (0) 131 454 1605. Lines open 24 hours a day, 7 days a week.

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

  • 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.

More payments help

You can make many types of payment on your phone or in your internet browser.

More things you can do on our app

Important legal information

Please note: Our Mobile Banking app is supported by devices running iOS or Android. The app is not compatible with some older versions of the operating systems. Check the App Store or Google Play for more details.

We don't charge you for Mobile Banking but your mobile operator may charge you for certain services, such as downloading or using the app, so please check with them. 

If your phone has been subjected to unauthorised modifications (e.g. jailbroken or rooted) the app will not be compatible with your device.

Android/Google Play is a trademark of Google Inc. Apple, the Apple logo, Touch ID and Face ID are trademarks of Apple Inc, registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

It may be unlawful to use some Internet and Mobile Banking services in some countries. Please check before you travel. Services may be affected by phone signal and functionality.

Terms and conditions apply.

Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.