Pay a mobile contact

How to send and receive money using a UK mobile number.

Removal of Pay a Contact

We're removing the option to pay a mobile contact on 7th March 2023. You can still use our Mobile Banking app to make Faster Payments. You'll need to know the recipient's name, sort code and account number.

It’s quick and easy

  • No need to share your bank details
  • Send between £1 and £300 a day
  • Receive a text message when you're paid money
  • Works with single and joint accounts

Keep in mind

To send payments you don't need to be registered for Pay a Contact but you do need to registered to receive payments

To use Pay a Contact with the app

  • 1. Select ‘Pay & transfer'

    You'll find this at the bottom of the app screen.

    2. Choose an account

    If you have more than one account, select the account you wish to make the payment from.

    3. Select who to pay

    Either choose an existing payee or select 'Pay someone new' and ‘UK mobile number’ to set up a new one.

    4. Enter mobile number

    Choose the mobile number you want to pay from your list of contacts or enter a mobile number.

    5. Check the details

    Enter the amount you want to pay and a payment reference.

    Confirm the details by pressing the 'Continue' button.

    6. All done

    The money will be sent to your contact as soon as possible

  • 1. Check if you have received a text message

    When a payment is received into your account using Pay a Contact you’ll receive a text message letting you know.

    2. Confirm

    This text message will confirm the sender’s name, the amount being paid and the reference added by your contact.

  • 1. Select 'Profile and settings'

    You'll find this menu in the top right-hand corner of your app screen.

    2. Select 'Settings'

    Then select 'Pay a Contact settings'.

    3. Choose mobile number

    Then select 'De-register from Pay a Contact''.

    4. Confirm

    Confirm you want to de-register by entering your password and press 'Continue'.

    5. All done

    You will no longer receive Pay a contact payments into your account using this mobile number.

    You can also de-register for Pay a Contact using Internet Banking.

1. Select 'Profile and settings'

You'll find this menu in the top right-hand corner of your app screen.

2. Select 'Settings'

Then select 'Pay a Contact settings' and 'Register'.

3. Enter mobile number

Select the mobile number you want to use and select 'Continue'.

4. Choose an account

Choose the account you want to link to, then read and accept the terms and conditions.

Press 'Continue' when you’re ready to proceed. 

5. Validate your mobile number

We’ll give you a four digit code to enter when you receive our automated call. Follow the prompts to validate your phone number using the four digit code.

6. All done

You’re now ready to receive money using just your mobile number.

You can also register for Pay a Contact using Internet Banking.

Frequently asked questions

  • You can make payments from £1.00 to £300.00 from each of your accounts (current and joint accounts) every day. You will not be able to increase your daily limit. Each participating bank will have their own limits.

  • All online payments are made through Faster Payments provided the payment amount is within the FPS limits. The money will reach the recipient's account usually within 2 hours but can sometimes take up to close of business the next working day from the date the payment is sent. The bank account that you are sending the money to will need to be able to accept Faster Payments.

  • First you will have to de-register your number with the other bank / building society following their de-registration instructions.

    When you’ve successfully de-registered from the other bank’s / building society’s service you can register with Lloyds Bank.

  • Pay a Contact payments can only be sent using Mobile Banking. To access this, you need to log on using your user ID, password and memorable information.  No one will be able to access your account without this information.

    In the event of your mobile phone being lost or stolen, your contacts can still send you payments using Pay a Contact, as your mobile number is linked to your bank account’.

    If, as a result of your mobile being lost or stolen, you change your mobile number you should log on to Internet or Mobile Banking and remove your old mobile phone number from your personal details. This automatically de-registers the number from Pay a Contact. You should also remind your friends and family of your mobile number being changed.

    When you have a new mobile phone number, you can update your Internet Banking personal details and register the number for Pay a Contact.

    If you have reason to suspect your security credentials have been compromised, you should call us immediately on 0345 300 0116 (or +44 173 323 2030 from abroad).

    Lines are open 24/7.
    Not all Telephone Banking services are available 24 hours a day, seven days a week.  Please speak to an advisor for more information.

    We would advise you not to store this information on your mobile or anywhere else.

  • Pay a Contact lets you send payments to your friends and family from your personal Lloyds Bank Current Account using just your recipient’s mobile phone number (rather than their sort code and account number). It also lets you receive payments from your contacts into your account.

    Paym logo

    Pay a Contact is part of Paym, a wider service which allows payments to be sent or received from other banks and building societies.

    Learn more on the Paym website

More payments help

You can make many types of payment on your phone or in your internet browser.

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).

Telephone calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.

Mobile Banking: We don’t charge you for Internet Banking but your mobile operator may charge for some services, please check with them. Services may be affected by phone signal and functionality. You must be registered for Internet Banking.

Mobile Banking app: Our Mobile Banking app is available to Internet Banking customers with a UK personal account and valid registered phone number. Our app is available to iPhone and Android users only and minimum operating systems apply, so check the App Store or Google Play for details. Our app does not work on jailbroken or rooted devices. Device registration required.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google LLC. Terms and conditions apply.