App available to customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries.
What is Paym?
Receive and send money to someone else through our app by using their phone number.
No need to find out their sort code and account number and they don’t even need to be with Royal Bank of Scotland.
To send the payment using this method successfully, both you and the person you are sending money to need to be registered for Paym.
How to register for Paym
Make sure to have your mobile phone handy for this part.
Open your Royal Bank of Scotland app, tap on the 'My Profile' icon at the top right of your screen.
Tap on 'Paym registration'.
Tap on 'Start'.
Select the account you want to link Paym to. This will be the account money will be sent to if someone pays you using Paym.
You're now ready to send and receive Paym payments.
How to make a payment with Paym
If the person you are paying isn't registered for Paym, the payment won't go through and the app will let you know.
Open your Royal Bank of Scotland app, tap on the account you want to make a payment from, select 'Payments' and then 'Pay your contacts'.
Select the person you want to pay from your contacts, or enter their mobile number. Enter the reference and the amount you wish to send.
For added security you may be asked to authorise this payment. If this happens you will see the ‘Authentication required’ screen. Just tap ‘Next’.
Just re-enter your mobile app’s log in details, to re-confirm it’s you.
Tap 'Continue' and select the reason for payment.
Check the details are correct and tap 'Make payment' to send money.
Alternatively you can pay someone new using their sort code and account details. Find out other ways of making payments from our app.
You must have available funds to send from your account (including any overdraft facility).
There is a maximum of 20 payments totalling £250 per day. You must be aged 16+. Pay anyone who is registered for Paym.
Received a Paym text?
If you received a text from Paym, it means that someone has tried to send you money using the Paym service. The text will not ask you to send personal details or include any direct links, if the text you received has these it's likely a scam text.
Visit our Security Centre to learn about protecting yourself online.