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

Good to know

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

  • Select ‘Pay & transfer'

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

    Choose an account

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

    Choose who to pay

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

    Confirm mobile number

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

    Check the details

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

    Confirm the details by pressing the 'Continue' button.

    All done

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

  • 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.

    Confirm

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

  • Select 'Profile and settings’

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

    Select 'Settings’

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

    Choose mobile number

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

    Confirm

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

    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 Online Banking.

Select 'Profile and settings'

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

Select 'Settings'

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

Confirm mobile number

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

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.

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.

All done

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

You can also register for Pay a Contact using Online 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 will not be able to increase your daily limit. Each participating bank will have their own limits.

  • All online payments are made through Faster Payments provided the payment amount is within the FPS limits. The money will reach the recipient's account usually within 2 hours but can sometimes take up to close of business the next working day from the date the payment is sent. The bank account that you are sending the money to will need to be able to accept Faster Payments.

    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 Lloyds Bank.

  • First you'll 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 the Halifax.

  • Pay a Contact payments can only be sent using our app. To access this, you need to sign 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 sign in to Online 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 Online 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're calling from abroad or would prefer not to use the 0345 number, you can call us on +44 (0)113 279 8302. Lines open 8am – 8pm, seven days a week.
    Not all Telephone Banking services are available 24 hours a day, seven 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

Mobile Banking: We don’t charge you for Mobile Banking but your mobile operator may charge for some services, please check with them. Services may be affected by phone signal and functionality. You must be registered for Online Banking. Terms and conditions apply.

Mobile Banking app: Our Mobile Banking app is available to Online Banking customers with a UK personal account and valid registered phone number. Our app is available to iPhone and Android users only and minimum operating systems apply, so check the App Store or Google Play for details. Our app does not work on jailbroken or rooted devices. Device registration required.

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