6.1.1 Your Core Terms explain the different ways you can pay money into your account or take money out of your account.
6.1.2 Terms 6.2 to 6.3 below set out a payment service that is specific to Mobile Banking and is therefore not included in your Core Terms.
6.1.3 When you make a payment through Mobile Banking we'll make the payment using the Faster Payments Service if possible. If we can't use the Faster Payments Service we'll advise you of alternative ways to make the payment. If we can't use the Faster Payments Service we'll advise you of alternative ways to make the payment.
6.2 Pay Your Contacts (General)
6.2.1 Pay Your Contacts is a service within the App, which allows you to send money to a third party by using the payee's mobile phone number rather than their account number and sort code.
6.2.2 You can use this service to make payments to:
- anyone who has registered to use a NatWest, NatWest International, RBS, Ulster Bank Northern Ireland or Isle of Man Bank Mobile Banking App (the Group Apps);
- anyone who has registered for Paym (which is a service offered by a number of banks and building societies to allow you to send and receive payments in this way);
6.2.3 To make a payment in this way, you need to give us:
- the mobile phone number of the payee. (This is the information that we use to identify the payee); and
- the amount of the payment in Sterling.
You're responsible for ensuring that these details are correct.
6.2.4 Once you've asked us to make a payment you won't be able to cancel it. If you realise that you've given us an incorrect mobile phone number or payment amount, you must inform us as soon as possible by contacting us on 0345 366 7004 or +44 2381 244182 from outside the UK. Where possible we'll try to stop the payment, but might not be able to do so. We'll not be liable to you if we're unable to stop a payment in these circumstances.
6.2.5 We'll notify you within the App if we're unable to make a payment.
6.2.6 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits can be found in the Frequently Asked Questions section of the App.
6.3 Pay Your Contacts
6.3.1 You may ask us to make a payment to someone who is registered to use one of the Group Apps or Paym. When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.
6.3.2 If the payee is registered to use one of the Group Apps as well as Paym, we'll send the payment to one of the accounts linked to their Group App.
6.3.3 If the payee is not registered to use one of the Group Apps but is registered for Paym, we'll send the payment to the account they've registered for Paym.