Paym

Paym

Paym has arrived​​
2Paym​​​
 
  • You can now send and receive payments using just a registered mobile number
  • No need to share account numbers or sort codes
  • It's free, simple and secure
​​​​

Want to send money to your friend?

Split the price of a pizza?

Or share the cost of a taxi?

Paym is a service available through the Danske Mobile Bank App. Send or receive money using nothing more than a mobile phone number.​

Paym makes it easy to pay a friend back for lunch, share the cost of a taxi or even pay back your pal for that tenner you borrowed.

No need to exchange bank account details - all you need is a registered mobile number and you can send and receive payments directly from and to your account, via participating UK banks and building societies.

Using Paym is:

  • Free
  • Simple
  • Secure
​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​

Get Paym now - here's how

step 1To use Paym, you need to have downloaded the Danske Mobile Bank App for iOS and Android smartphones only (if you haven't already done so).
You can do this by clicking on the icon below relevant to your device.

Download on the App Store Google Play

step 2Then you need to register your mobile phone. You can register via the Danske Mobile Bank App or by clicking the link below. You'll then be ready to send and receive payments using just a mobile number to participating UK banks & building societies.


Click here to register


Danske Mobile Bank App is available on iOS and Android devices and Windows Phone. Danske Tablet Bank App is for iOS and Android tablets. Paym is not available on Windows Phone.

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Paym eBanking Registration
Paym eBanking Registration
Paym Mobile Registration
Paym Mobile Registration
Paym Mobile Registration
Paym Make a Payment

Terms

Terms & Conditions​​​​​​​​​​​​​​​

We have taken some of your frequently asked questions and answered them below.

General

What is Paym?

Paym is a look up service that facilitates customers of UK Banks to send and receive sterling payments between UK Bank accounts by using the customer’s mobile number instead of the full sort code and account number.

Paym is a registered trade mark and is used under licence from The Payments Council Limited.

What financial institutions are involved in the launch of the Service?

The banks who will initially offer this service are Bank of Scotland, Barclays, Clydesdale Bank, Cumberland Building Society, Danske Bank, First Direct, Halifax, HSBC Bank, Isle of Man Bank, Lloyds Bank, Nat West, Royal Bank of Scotland, Santander, TSB, Ulster Bank and Yorkshire Bank.

How will my personal data be used in Paym?

Your display name, mobile number and the sort code and account number of the account that you want payments to be made into, will be registered on the Paym system. By registering for Paym you are providing explicit consent for your personal data being used and disclosed in the course of using the service to the following persons:

  • the Operator
  • any third-party suppliers to the Operator (including the supplier or suppliers of the System or any component of the System)
  • other Participants
  • any employees or contractors of any of the foregoing
  • any other person that uses the Mobile Payments Service (Including Customers of other Participants).
You should not proceed with your registration if you do not give such consent.

How do I register for Paym using Danske Mobile Bank?

You must firstly have registered for and logged on to Danske eBanking.

To register using Danske Mobile Bank - You must log on to the App, select the Paym function on the wheel and follow the instructions.

How do I register using eBanking?

You must firstly have registered for and logged on to Danske eBanking.

To register using eBanking - You must log on to eBanking, select Paym and follow the instructions.

What device do I need to register?

You can register using a smartphone, PC or laptop.

You can also register using the Danske Bank Mobile App on your tablet device.

How many accounts can I register against a phone number?

You can only register one account against a phone number.

How many phone numbers can I register?

You can register up to 10 phone numbers.


When you have reached your maximum of 10 registrations, you must deactivate a mobile number in order to add a new one.

What format do I use to enter my mobile number?

First you must enter an international dialing code. Next enter your mobile number remembering to drop the first zero e.g. a UK mobile number 07720123456 would be entered as +44 7720123456.

What do I do if I cannot register my mobile number?

If you cannot register your mobile number, firstly check that you have input the number correctly, remember you need to drop the first zero.

If the number is correct then you may have opted out, intentionally or unintentionally, to receive certain text messages. To opt in again in order to receive the Paym activation code, text OPT IN to 60999 (standard rate text for your network provider applies). Try to register again for Paym. Once you receive the text message with the Paym activation code, if you wish to stop further marketing messages then text STOP to 60999.

If you still cannot register for the service, then you will need to contact us in order for us to investigate for you. You can contact us on (+44)(0)28 9004 9223.

What should I do if I do not receive an Activation Code?

If you have not received an activation code firstly check that you have input the number correctly, remember you need to drop the first zero.

If the number is correct then you may have opted out, intentionally or unintentionally, to receive certain text messages. To opt in again in order to receive the Paym activation code, text OPT IN to 60999 (standard rate text for your network provider applies). Try to register again for Paym. Once you receive the text message with the Paym activation code, if you wish to stop further marketing messages then text STOP to 60999.

If you still cannot register for the service, then you will need to contact us in order for us to investigate us for you. You can contact us on (+44)(0)28 9004 9223.

Does my mobile number need to be a UK number?

No, your mobile number does not have to be a UK number, any valid mobile number can be registered as long as it is against a UK sort code and account number.

What is the Display Name?

This is the name that will be used to identify you on the Paym system and which will be displayed to anyone who is registered on Paym who wishes to make a payment to You using Paym.

What is the receiving Account Number?

This is the account number that you have selected to register and receive funds into. You can only select one account. When another person sends a payment to you using your mobile number as the proxy, this sort code and account number will be credited.

What is the activation code?

This is the code sent to you via text message and which is used to complete your registration for Danske Mobile Payment Service. It is our means of confirming that you own the device before we register your details on Paym.

How many attempts do I have to enter in my activation code?

You will have 3 attempts to input the activation code correctly.

If you input the activation code incorrectly 3 times you will have to start the registration process again.

What happens if the session times out or I lose signal before I input the activation code?

When you register (on the Mobile App or eBanking) the activation code sent to you is linked to your current registration session and is only valid for input during that session.

If for any reason your session times out and then you receive an activation code, this activation code cannot be used and should be ignored.

In this case you will have to log in again using your User ID and passcode and start the registration process again to receive a new activation code for input during the current registration session.

The prompt receipt of an activation code is dependent on your mobile phone service provider. In instances where your provider is experiencing difficulties and is slow in delivering an activation code you may need to attempt registration on multiple occasions or at a different time.

Can both joint account holders register?

Yes, each joint account holder who has a separate mandate for the account (that has the right to operate the account without the consent of any other joint account holder) can register their details on Paym. They must register separately using their own mobile number(s).

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

To receive payments into one of your eligible Danske accounts you will need to deactivate your mobile from Paym with the other bank or building society and then register your mobile with Danske.

How can I change my sort code and account number which is registered on the Paym system?

If you wish to change the sort code and account number for receiving payments you may do this via the mobile app or eBanking.

Via the mobile app: On the "Paym" screen select the Settings symbol Settings symbol

Then on the "Settings" screen select "Edit" on iOS phones or on Android phones select Edit symbol

Via eBanking: Under the Agreement screen you can select the relevant registration you wish to amend. Within this screen select the Change Account screen and follow on screen instructions.

You can also change the sort code and account number by contacting us on (+44)(0)28 9004 9223. Please note that your registration must be active in order to amend the sort code and account number.

How do I deactivate my registration?

You can do this via the mobile app or eBanking.

Via the App: located under Settings and select Edit to deactivate one or all registrations.

Via eBanking: Under the Agreement screen you can select the button to Deactivate All, or if you click into one specific agreement you may Deactivate just this one registration. You can also deactivate by contacting us on (+44)(0)28 9004 9223.

Please note that you will not be able to send or receive money via Paym when you have deactivated. If you wish to use Paym in the future you will need to register via the mobile app or eBanking.

Can the Bank suspend or deactivate the service without my authority?

We may suspend your use of the service where we have reasonable grounds for doing so (this includes where we become aware of behaviour that we (acting reasonably) consider may be indicative of fraud in respect of your registration or Account.

How can I change my mobile number that is registered on the Paym system?

If you wish to change the mobile number registered on Paym you should deactivate your registration and then re-register using the new mobile number.

How can I keep my account safe when using the Danske Mobile Payment Service?

You should follow the guidance in clause 17 of the Special terms and conditions eBanking www.danskebank.co.uk/docs. In particular :

  • Never give your user ID or password to anyone. We will NEVER ask you to give us this information. If you are asked to give this information to someone, even though they may say that they work for Danske Bank, then it is likely that you are speaking to a fraudster.
  • Immediately notify us if you believe that your security information may have been compromised, you have lost your mobile phone or you see a transaction on your account that you have not authorised.
In addition you should always check the payee details before you authorise a payment.

Payments

How do I make a payment?

To make a payment select the Paym widget within the mobile app:

  • Select the account you want to make the payment from using the drop-down list.
  • Enter the amount you wish to pay.
  • Input the mobile phone number of the person you want to make the payment to by either inputting the mobile number, selecting a mobile number from one of your latest payments or selecting the mobile number using your contacts list on your phone.
  • You may also enter a message for the payee if you want to send one.
  • Please note that you can only send a payment to a person who is registered on the Paym system.
  • Once you have checked the details click ‘OK’ to move to the "Confirm payment" screen.
  • The "Confirm payment" screen displays details of the payment including your account to be debited, the amount to be debited, the name and mobile number of the person you wish to credit and any message you wish to send the payee.
  • Check the details to make sure you are sending money to the right person. If the details are correct swipe "Transfer money" to send the payment.
  • A "Confirmation" screen will tell you that the payment has been sent.

Do you access the information in my phone book?

The only time your phone book is used is when you select a contact to send a payment to. It will not be used for any other purpose.

What happens if I do not allow Paym access to my phone book?

For iOS phones you must allow Paym access to your phone book otherwise you will not be able to enter or select a payee and thus be unable to complete the payment.

How do I allow Paym access to my phone book so that I can select a payee when making a payment?

For iOS phones select the Settings app on your phone. Then select "Privacy", and then "Contacts". Make sure that "Mobile Bank" is set to "On".

How long will it take for a payment to be processed?

  • A payment made to another Danske Bank account will be processed as an electronic payment - internal transfer.
  • A payment made to an account held with another Bank will be processed as an electronic payment – faster payment.
  • Full details of the time taken to process such payments are set out in the Payment Table which can be found on www.danskebank.co.uk/docs.

What should I do if I make a payment in error?

If you make a mistake and send a payment to the wrong Payee you must contact us immediately and we will make reasonable efforts to try to get the payment returned.

What happens if I try to make a payment to a person who is not registered for the service with their Bank?

Payments cannot be made to anyone who is not registered for the service and you will immediately be notified of this.


We offer the option for you to send a text message to the payee, advising them that you wish to send them funds, they must register for the service with their Bank.

This text message is an optional feature you can use. This text message will be sent by you and not Danske Bank. Normal charges may apply specific to your network operator and/or your contract set-up.

What happens if I make a duplicate payment?

If you make a payment to the same person for the same amount within an hour a warning message will appear and you will be asked to confirm the payment.

What should I do if I see a payment that I have not authorised?

If you feel that you have not authorised a payment then please contact us immediately on (+44)(0)28 9004 9223 and we will investigate for you.

How do I know that the payment I have sent/received is through Danske Mobile Payment Service?

You can check the transaction on your account.


When you send a payment the transaction will show "Paym to" followed by the name of the payee.

When you receive a payment the transaction will show "Paym f." followed by the name of the payer.

When you send a payment and it is rejected the transaction will show "Reject Paym f." and the name of the payee.

How do I see any reference text for a Paym transaction?

Select the transaction by tapping it and further transaction details will be shown. If reference text has been keyed it will be displayed beside the "Text:" field. If no reference text was keyed then the "Text:" field will show "N/A".

What is the daily limit for Danske Mobile Payment Service?

The maximum daily amount is GBP250. Within the mobile app you can keep track of your daily spend via the payment slider on the payment screen. Please note that this will include any payments you send which are subsequently rejected.

Does it cost me anything to use Danske Mobile Payment Service?

The service is currently free of charge by the Bank, however you should refer to your mobile phone service provider for any additional charges that could be made by them.

What if I lose signal while sending a payment?

If you lose signal then you will have to log on again using your User ID and passcode. You can check if your payment was sent successfully by checking your account. If you make a payment to the same person for the same amount within an hour a warning message will appear and you will be asked to confirm the payment.

How do I send a payment should the service be unavailable?

If the service is unavailable you can still transfer funds via the Transfer section in the Mobile App or via your eBanking. Please note you will need to have the payee's account details to be able to do this.

Can I use Danske Mobile Payment Service to set up Standing Orders and Direct Debits?

No the service is designed to be used for one off payments.

Is it possible to use Danske Mobile Payment Service to send a payment in a currency other than Sterling?

The service allows you to send and receive sterling payments only between UK Bank accounts by using your mobile number.

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