If the person you’re paying is a NatWest, RBS, Ulster Bank, NatWest Offshore or Isle of Man Bank Mobile app user, they’ll receive a text and the money will be in their account instantly.
If the person you are paying does not have the Mobile app then we can send the payment via the Paym service. This is a service that is available to customers of most of the UK's leading banks and building societies. If your friend is registered for Paym with their own bank then the money will be in their account instantly.
You must have available funds to send from your account (including any overdraft facility). There is a maximum payment of £250 a day, which is separate from daily withdrawal and Get Cash limits.
More about mobile payments