Pay by Bank: your new way to pay
Pay by Bank is the easy, fast and secure way to pay that over 20 million people have already tried. You can use it for online shopping, paying for your takeaway and topping up your investments.
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Look for Pay by Bank when you pay online
So, what exactly is Pay by Bank?
Pay by Bank is a type of payment method that lets you pay for things online directly from your bank account via your bank app, no card needed.
Easy
No card details, no sign ups, no downloads
Fast
Use your Face ID, fingerprint or password
Secure
Protected by your own bank’s security
How does Pay by Bank work?
Select Pay by Bank when it’s available at the checkout
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Pay securely from your bank app - no card needed. Learn more
How you’re protected using Pay by Bank
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Every single payment authenticated by you
Every single payment is authenticated in your own banking app, using biometric security (such as your fingerprint or face recognition). No details are shared in the checkout.
No cards also means no card fraud
With Pay by Bank, you don’t need to give any details, apart from selecting your bank, so it’s a safe way to pay.
What if I have an issue with my payment?
In the unlikely event something goes wrong with your payment (for example, if the wrong amount or a duplicate payment is taken), you can claim a refund from your bank.
4 more reasons to try Pay by Bank
No card expiry: payments that just work
When your card expires, your payments stop working. Pay by Bank connects to your bank account, there’s nothing to expire, nothing to update and nothing to lose.
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Instant refunds: your money back in seconds, not days
Unlike with slow card refunds, Pay by Bank refunds arrive in your account in seconds. No waiting, no uncertainty, no checking your account every morning wondering where your money is.
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Budgeting certainty: see your balance before you spend
When you authenticate your Pay by Bank payment, you can see your current balance, so you know if you can afford this purchase. Plus, payments happen instantly, so no confusing pending payments.
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A genuine alternative when cards go down
Sometimes, card payment networks stop working, and when that happens you can’t complete your purchase. That goes for Apple Pay and Google Pay as well, as they still run on card technology. Because it doesn’t use cards at all, Pay by Bank is an alternative for when you need it.
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FAQs
Everything you need to know about Pay by Bank
Pay by Bank is a type of payment method that lets you pay for things directly from your bank account via your bank app.