Pay a mobile 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.

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.