Paym

To use fdpay you need:

•       a first direct Current Account registered for Mobile and Online Banking

•       a Digital Secure Key (you can use fdpay on an iPad or tablet if that’s where your Digital Secure Key is)

•       to be registered for Paym

•       to download the fdpay keyboard

Once you are registered for Paym you just need to download the fdpay keyboard. All the instructions you need can be found in our App – go to Paym settings.

You and the contact you’re sending money to will both need to be registered for Paym to use fdpay.

Money can be sent by fdpay to anyone who is registered for Paym.

Yes. fdpay sits on our mobile banking platform rather than on social media apps. The fdpay keyboard will also require touch ID or face recognition to make a payment.

Two permissions are requested when the keyboard is downloaded

• The 'contacts' permission allows our App to access your contacts so you can send money to your friends using their phone number
• The 'keyboard' permission allows the fdpay keyboard to communicate with our App without directly accessing it so you can send money from other compatible apps without logging on
  

You can send £1 up to a £350 daily limit. This limit is cumulative across Paym, Siri and fdpay features.  You can view or vary the daily limit (provided it does not exceed the £350) at any time by logging on to the Mobile Banking App and selecting ‘Paym Services' to make your changes.

Apple – Go to settings > General > Keyboard > Keyboards > edit > delete

Android – Go to settings > manage keyboards > in available keyboards - toggle off fdpay

Yes. Sending money via Paym uses the same secure system as Online Banking and Phone Banking. Your account number will never be displayed to the sender, all they see is your name.

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. 

You’ll receive a text message when you’ve received money via Paym. You can then log on to our App or Online Banking for more info.

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.

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 our digital support team a call on 03 456 100 234.

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

Yes, you can both register to receive money via Paym into a joint 1st Account with different mobile numbers.

Either of you can send money using Paym from a joint 1st Account if you’re authorised to.

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.

To verify the number you entered is correct and actually belongs to you.

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.

By logging on to Online Banking, selecting 'Paym' and then 'Settings' from the left hand menu. Or you can do this in the Mobile App anytime by selecting 'Paym Settings'.

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'.

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.

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'.

We’ll only do this when you select a contact to send money to.

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.

You can now send money using Siri outside our Mobile Banking App if you and the person you’re sending money to are registered for Paym.

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.