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Make payments in our Business Banking App

You can make payments to new and existing payees as well as internal transfers between your own accounts in the Business Banking App.

First, navigate to Create new payee

  1. In the app, tap Pay & transfer
  2. Tap Pay new/existing payee
  3. Under ‘From’, tap Select account
  4. Tap the account you want to make the payment from
  5. Under ‘To’, tap Add/select payee
  6. Tap Create new payee.

Now, create and verify the new payee

  1. If you want to save the payee to pay them again in the future, tap the Save payee for future use toggle
  2. Enter the payee’s details, then tap Continue

    3. If your account has two or more users registered to online banking, we’ll ask you to select who will be able to view, edit and pay the new payee. Tap the relevant tick boxes to confirm, then tap Continue.

  3. The Confirmation of Payee service will verify whether the details you entered for the new payee match the details held by their bank.

If Confirmation of Payee shows that some details do not match, read the information and choose whether to continue, edit the payee’s details or cancel.

If the details match, you’ll be taken to the ‘Make a payment’ screen.

Finally, confirm and authorise the payment

  1. Check the accounts under ‘From’ and ‘To’ are correct, then tap Continue
  2. Enter the amount you’d like to pay
  3. Tap Review payment
  4. Tap the reason for the payment
  5. Read the scam warning information
  6. If you want to continue, tap the tick box to confirm you understand the information, then tap Continue with payment
  7. Tap Confirm payment
  8. Enter your 5-digit passcode
  9. Tap Confirm and send to complete the payment request.

Pay an existing payee

  1. In the app, tap Pay & transfer
  2. Tap Pay new/existing payee
  3. Under ‘From’, tap Select account
  4. Tap the account you want to make the payment from
  5. Under ‘To’, tap Add/select payee
  6. Tap the payee you want to pay
  7. Check the accounts under ‘From’ and ‘To’ are correct, then tap Continue
  8. Enter the amount you’d like to pay
  9. Check the reference is correct

    10. Please note: if you add or change a reference for an existing payee, we’ll ask if you’d like to verify the payee with Confirmation of Payee. If you choose to continue without verification, your payment could take longer to arrive, get lost or be sent to the wrong account.

  10. Tap Review payment
  11. Tap the reason for the payment
  12. Read the scam warning information
  13. If you want to continue, tap the tick box to confirm you understand the information, then tap Continue with payment.

If you have paid the payee before, tap Confirm payment to complete the payment request.

If you have not paid the payee before, tap Confirm payment. Then, enter your 5-digit passcode. Finally, tap Confirm and send to complete the payment request.

Please note: Payments received between 8pm and midnight will arrive in the payee's account the next business day. All other payments will usually arrive in the payee's account on the same day.

Make an internal transfer

  1. In the app, tap Pay & transfer
  2. Tap Transfer to one of your accounts
  3. Under ‘From’, tap Select account
  4. Tap the account you want to make the transfer from
  5. Under ‘To’, tap Select account
  6. Tap the account you want to transfer money to
  7. Check the accounts under ‘From’ and ‘To’ are correct, then tap Continue
  8. Enter the amount you’d like to transfer
  9. Tap Review payment
  10. Tap Confirm payment to complete the transfer request.

Please note: transfers received between 9pm and midnight will arrive in the receiving account the next business day.

Please note: our Business Banking App is currently experiencing issues with screen readers on Android devices. When making a payment or transferring money between your accounts, the desired amount will be read out followed by "edit box, zero pounds." The correct amount will be sent, so please ignore the zero pounds message and continue with the payment.

Daily payment limit

There are limits on the amount of money you can pay through the app in a single day.

Once the daily limit has been reached, you’ll be notified and asked to use an alternative way to make the payment.

Failed payments

If there is not enough money in your account at the start of the day on which you have asked us to make a payment (including cheque payments or Direct Debits), we will return the payment unpaid.

This will show in the list of transactions in the app, with a notice reading 'Payment failed'.

We will keep checking whether there's enough money in your account up until 2pm for cheque payments and 4.30pm for Direct Debits. If you credit your account with either cash or a bank transfer to pay the failed payment before these cut-off times, we will remove the warning message.

If there is no money for the payment before the cut-off times, the payment will fail and we will remove it from the transaction list the following day.

There may be other failed payments which we will not show you through the app, such as standing orders or future-dated payments. You can check these within your online banking.