You can use your contactless Visa Debit Card to buy all sorts of things like train tickets, cinema tickets, snacks and drinks etc, so you don’t have to worry about carrying cash. Make contactless payments up to £45. 

What you should know

We’ll send you a code called a PIN number. Don’t tell anyone this number. You enter it when you want to take money out of a cash machine, or pay for things in shops or online.

Log in with your fingerprint on selected Apple and Android devices – it’s simple, secure and fast.

View your accounts – you can check recent transactions (things you’ve spent money on) and transfer money between your own accounts. 

If you’re 16 or older you’re able to pay family and friends - for example, you can send money using their mobile number with Pay Your Contacts. It’s quick and easy (as long as they have our mobile app or are registered for Paym). Limits apply.

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

More about our Mobile Banking app

Interest is when your money earns money. So, if you had £100 in your account, 1% interest would be £1.00. In other words, you get a bit of extra money, just for keeping money in your account. Sweet.

What you should know

Interest is calculated daily and paid monthly.

Annual Equivalent Rate (AER): This is a notional rate used for interest bearing accounts which illustrates the interest rate if paid and compounded each year. It helps you to compare the effective rates of credit interest on different accounts.

Gross Rate: This means the interest rate you are paid before the deduction of basic rate income tax.

Apple Pay and Google Pay both let you make easy payments using your phone when you're out and about – they work by safely linking technology inside your phone with your bank account, so paying for things is a doddle.

Apple Pay is available on selected Apple devices. You must be aged 13+ to use this service.

Google Pay is available on selected Android devices. You must be aged 16+ to use this service.

Retailer limits may apply.

Paym lets you pay your mates back easily using your banking app - all you need is the mobile number of the person you want to pay, no need for their account number and sort code.

You can use this to send money to customers of other banks, who are also registered with Paym – you can register through our mobile banking app.

It’s a safe service to use – it has been developed by the participating UK banks and building societies to meet with their high security levels.

Just in case you're wondering, you don't need to register for Paym to send money to someone else via a conventional bank transfer.

To find out more about Paym, you can visit the Paym website.