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Paym

Pay someone, with just their phone number

Sign up to Paym and you can send and receive money to and from your 1st Account to anyone who's also signed up, just using their mobile number.

Why use Paym?

because it's all done through our App, sending and receiving money is quick, easy and secure
no need to share your account details with others
less need to carry cash or use cheques
if you have a Digital Secure Key, you can also send money via Paym using fdpay. Just activate the fdpay keyboard to send the money outside our App.

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Show the section Getting started

Here's what you need so you can use Paym with us:

a first direct Current Account
our App - if you don't already have our App, you can download it from the AppStore Opens an overlay [Will show a security message first] or Google Play™ Opens an overlay [Will show a security message first]store
once you've done this, log on to the App and select Paym from the menu.

Download on the App Store

Get it on Google Play

Paym is available on:

Apple: iOS 9.0 or later - compatible with iPhone, iPad and iPod Touch
Android™: devices with an operating system v4.3 and above

If you don't have a compatible device or our App, you can still use the Paym service to receive payments but not to send money - simply register on Online Banking.

Our Digital Support Team on 03 456 100 234 are available from 7am to 11pm, Monday to Friday, or 8am to 11pm on weekends.

Show the section Registering with Paym

You can send money without registering for Paym – but the person you’re sending money to will have to be registered.

To receive money via Paym, you’ll first need to register your UK mobile number and link it to the 1st Account you want money sent to

To register with Paym, log in to the Mobile App and select 'Paym Settings' in the menu or select 'Paym' from the 'Move Money' function. Alternatively, log on to Online Banking and then select Paym from the 'Payments and Transfers' option in the menu. Then follow the on-screen instructions.

Show the section Sending money with Paym

Select Move Money and the account you'd like to do this from (if applicable)
The first time you send money you’ll need to set your daily limit
Select the contact from your phone book (or type in their number)
Enter the amount you'd like to send and a reference
Verify the details and confirm
Done – your money has been sent.

Show the section FAQs

FAQs

Is it safe?

Is there a charge?

No. Paym is a free service.

Please be aware that you might be charged to access the App by your network provider as you need to be connected to the internet to use it. And as always, these charges may vary if you use your mobile to access Paym abroad.

How do I know if someone has sent me a payment?

Can I use Paym with first direct if I've registered for other services, such as Barclays Pingit, Pay Your Contacts or Pay2Mobile?

Yes. You can send money from your 1st Account with Paym even if you’ve already registered with other, similar services.

If you want to receive money via Paym into your 1st Account, you’ll need to deregister your mobile number from Paym with your other provider before registering with us.

What if my mobile number is already registered to receive payments using Paym with another bank or building society?

To receive money using Paym into your 1st Account, you’ll need to deregister your mobile number from Paym with your other provider before registering with us.

You can send money with Paym from any of your 1st Accounts, even if you’re registered to receive money via Paym into an account held with another bank or building society.

If you need more info, please give us a call our digital support team on 03 456 100 234.

Available from 7am to 11pm, Monday to Friday, or 8am to 11pm on weekends.

Can I use the Paym service with a joint account?

What will you use my mobile number for?

When you register, your mobile number will be linked to your chosen 1st Account so you can receive money using Paym.

It’ll also be used to text you when you’ve received money via Paym.

Please note we won't update the number you register for Paym in the contact details we hold for you.

Why have you texted me an activation code during registration?

What if I haven't received an activation code?

The text message with your activation code will normally arrive within a few minutes. But sometimes factors outside of our control can affect delivery - like network and signal issues.

If you haven't received your activation code message after 10 minutes, you might have entered your phone number in wrong. Please try again ensuring it's the right number. If you still don't receive it, please give us a call on 03 456 100 234* and we'll help.

How can I change or amend my Paym details?

What if I don’t want to receive money using Paym anymore?

You can deregister from Paym at any time by logging on to Online Banking, selecting 'Payments & transfers' from the left hand menu then 'Paym' and 'Change settings'. Or you can do this in the Mobile App anytime by selecting 'Paym Settings'.

Why am I being asked for a security code?

If you select a function or service that requires an additional level of security, then we'll ask you to generate a security code using your Secure Key.

Secure Key is a two-factor authentication device that will help protect you from Online Banking fraud.

If you need help with your Secure Key device, please call us anytime on 03 456 100 100.

How much money can I send using Paym?

You can send from £1 up to the daily limit you’ve set, or up to the maximum limit set by us.

You can view, increase or decrease your limit on Online Banking by selecting 'Payments & transfers' from the left hand menu then 'Paym' and 'Change settings'.

Will you access the information in my phone book?

What if I send money to the wrong mobile telephone number?

There’s no way of stopping money that has been sent via Paym.

When sending money via Paym, we check the mobile number is registered for Paym and show you the account name linked to it, so it’s important you check these details carefully.

If you've sent money to an incorrect number please call us anytime as soon as possible on 03 456 100 100.

What is a Siri® payment?

What do I need to send money using Siri?

You'll need...

to be registered for Digital Banking with an active Digital Secure Key
have your biometric (Touch ID or Face ID) enabled
be registered for Paym
have iOS 10 or above

The person you’re sending money to must also be registered for Paym.

*Our Digital Support Team on 03 456 100 234 are available from 7am to 11pm, Monday to Friday, or 8am to 11pm on weekends.

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Paym

Pay someone, with just their phone number

Why use Paym?

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