You can send up to £250 a day using our app and someone's mobile phone number. It's quick and secure. Here is how you do it:

1. In the app, tap on the 'Payments' icon at the bottom of your screen and select 'Send money' and then tap 'Pay Your Contacts'.
2. If the recipient's mobile number is registered for Pay Your Contacts, continue to enter the payment information.
3. If they're not registered, you'll get the option to send the payment as a secure link.  Just press 'Yes continue' and they'll get a one-time payment link.  Enter the payee name, reference and amount you wish to pay and select 'Continue'.
4. Confirm security checks and details are correct and click 'Generate payment link'.  Be sure to tap 'Share your payment link' and select your preferred social messaging channels, including WhatsApp, SMS or email and send.  Once the recipient opens the link, they will see a list of participating banks to choose from.

If you would like more information, please visit our Pay Your Contacts page on our website. 

Please note:

• Available on eligible current accounts and exclusions may apply to non NWG* banks.
• There is a maximum payment of 20 payments totalling £250 per day. 
• You must be aged 16 and over. 

*NatWest Group - NatWest, Royal Bank of Scotland, Ulster Bank, NatWest International and Isle of Man Bank customers.

Here you can read step-by-step guides on how to pay someone new with the app or Anytime Banking.

How to pay someone new with the app

1. In the app, tap on the 'Payments' icon at the bottom of your screen and select 'Send money' and then tap on 'Make a payment'.
2. Tap ‘Pay someone new’.  Follow the guidance on screen.

For more information and full step on step detail visit Paying someone new. 

Please note:

• Payments under £1,000 can be saved on the mobile app and will also show in Anytime Banking for future use. 
• You must be aged 16 or over and there is a maximum of 5 payments totalling £1,000 per day.

How to pay someone new with Anytime Banking

To do this you will need your debit card and card reader. 

1. Login to Anytime Banking
2. Select 'Payments and transfers' from the left hand menu and choose which account you want to make the payment from and click on ‘Pay someone new’.  Follow on-screen guidance. 

For more information and full step by step detail visit our Making a payment page on our website. 

Please note:

• When making the first payment in Anytime Banking, an enabled card-reader will be required. Alternatively, you can make the first payment of up to £1,000 on our mobile app as detailed above.
• You must be aged 16 or over.

You can make international payments with Anytime Banking or our mobile app. We won’t charge you a fee to make standard international payments and you will be able to see exactly how much you’ll pay before you send.

How to make an international payment with Anytime Banking

1. Select 'Payments and transfers' from the left hand menu, select  'International payments' and then 'Make a Payment'.
2. If you have already set up the payee click 'Choose saved payee' and follow on screen guidance. To set up a new payee select 'Get a quote for paying someone new' then select 'Next' and follow the on screen guidance. 

For more detail, step by step visit our support page.

Please note:

• The receiving bank may charge you a fee.
• Once the payee has been set up in Anytime Banking you will be able to use it to make payments through the app. You can find the guidance in our Sending Money abroad page.

1. Log in to the app and select the current account Get Cash is linked to.
2. Select 'Get Cash' from the list.
3. Select an amount between £10-£130 (in multiples of 10).  If the available balance on your Ulster Bank account is less than £10, or if your debit card is no longer active, the Get Cash facility will not be available to you and the button will not appear on your mobile banking app.
4. Click on 'Create cash code'.
5. Click on 'Reveal code' to get your six-digit Get Cash code.  You can send your code to a phone contact by selecting 'Share', or if you have changed your mind select 'Cancel code'. 
6. Go to any Ulster Bank Northern Ireland, Royal Bank of Scotland (in Scotland), NatWest, Easycash or Tesco cash machine, press ‘Enter’ and then follow the on-screen instructions for emergency cash.
7. Your Get Cash withdrawal will be shown in your transactions. 

Please note:

• Withdraw up to £130 every 24 hours at any Ulster Bank NI, Royal Bank of Scotland (in Scotland), NatWest, Easycash or Tesco ATM, as long as it’s within your daily withdrawal limit. 
• You must have at least £10 available in your account.

• You can get cash and make deposits at your nearest Post Office using chip and pin.

• You can request to increase your standard debit card cash withdrawal limit to £500 per day. To do so, you need to be registered for telephone banking. Visit our telephone banking page to know more.

Enjoy all the benefits of your debit card and contactless payments but faster, easier and safer.  You can use Apple Pay and Google Pay in stores, or online, where contactless is available. All your information is safe with you as no personal data or account data is shared with the receiver.

How to set up Apple pay

If you have the app, and use an iPhone 6 or above:

1. Log in to the app, making sure you have the latest version downloaded.
2. On iPhone go to ‘Profile’ > ‘Manage my card’ > Tap the ‘Add to Wallet’ button and follow the on-screen instructions.

How to set up Google Pay

1. Open the Google Pay app on your device. You may need to download it from the Google Play Store (opens in a new window).
2. Select '+' to add your card and billing address details and follow the on-screen instructions.

Paying with contactless is an easier and faster way to pay, it's available in the majority of outlets in the UK.

Simply touch the contactless reader with your card to pay for anything that's £100 or under, in less than a second. There's no need to insert your card into the reader or enter your PIN.

To check it’s really you when using contactless, you’ll occasionally be asked to input your PIN when you present your card.

Find out more about contactless or other ways to pay visit our Contactless page.

1. Update your apps and computer software - Install the latest software on your computer, tablet or phone which could help protect your information.
2. Make sure the website is secure - Check the URL and only use trusted websites (look for the security padlock at the start of your address bar).
3. Make sure we have your correct phone number - All online payments are analysed for irregularities by our Fraud team. If we suspect or become aware that your account may be subject to fraud, we will attempt to contact you, either by phone or text. Your payment could be interrupted if we can’t contact you to confirm it’s genuine.
4. Be aware of new security measures - New regulations mean we need to check it’s really you more often when making purchases online. To do that we will text you a one-time passcode (OTP) to your mobile. If you’re in an area with poor phone coverage there will be other options available to receive an OTP.
5. Be aware of scams - Be careful of unsolicited and suspicious emails, phone calls or texts requesting personal information like passwords or account information following your purchase. If in doubt, do not click on any links or download files.
6. Take advantage of one-click service - With some shops you can use one-click-payments. You set up your account details, prove you are the right cardholder, and then you can shop online easily without the need to insert your card details every time.
7. Keep your devices safe and secure - Install antivirus on your devices. We have partnered with Malwarebytes, a provider of industry recognised cyber security solutions to make their Malwarebytes Premium product available for free to protect up to 10 devices of your choosing. Find out how to get Malwarebytes.
8. Saw something you don't recognise? - If you spotted a transaction you don't recognise or you got charged something different than you expected, we got you covered. Visit our Card payment support page.

Visit our security Centre to find out more on how to protect yourself.