Frequently asked questions

Need to know more? Find answers to common questions here

What is Pay by Bank app?

Pay by Bank app is a new online checkout option that lets you pay using the bank app on your phone. It's designed to make online checkout easier, whilst using all the security of your bank.

What makes it different?

Pay by Bank app isn’t a separate app to download or service to sign-up for – it works through the bank app you use already.

When you use it, you don’t need to enter your payment details at the checkout. You view your order details, choose which of your accounts to pay from, view your balance before you pay and see it updated immediately afterwards.

How do I get it?

You don’t need to download anything new or register for a new service. Pay by Bank app is automatically available for you to use through your existing bank app once your bank has chosen to offer it. Your bank will inform you when this happens.

Pay by Bank app is currently available with the following banks.

What types of payments can be made with Pay by Bank app?

Pay by Bank app can be used to pay online, through apps, and over the phone. The process in each case is slightly different. See how it works for more details.

Which retailers are already using Pay by Bank app?

If your bank offers Pay by Bank app, you can already use it when shopping with the following retailers.

What happens if something goes wrong?

Pay by Bank app is an ultra-secure solution, and using it results in far fewer opportunities for fraud. However, if something does go wrong during a payment, please speak to the retailer you’re buying from in the first instance.

If this doesn’t solve the problem, there’s no need to worry: Pay by Bank app has a clear and robust process for disputed transactions already agreed with your bank. In these instances, your bank will be able to help you raise a formal dispute to resolve the payment issue, with protection similar to what you will experience for debit card transactions. For more information please see our disputes service summary.