Mobile phone banking

Keep in touch with your finances, wherever you are

Need to know your account balance fast when you're visiting a supplier? Want to make sure a payment has left your account when you're on the road? Now it's possible - via your mobile phone.

With mobile phone banking for sole traders partnerships and limited companies, you could save time and hassle when dealing with your account, day or night, as long as you have a Debit Card or ATM card with your Account, you can apply.

You can choose between the text only service which will send you updates on your account by text and the full mobile phone banking service that includes all the features detailed below.


Mobile phone banking benefits

  • Fast access to account information - texts your balance to your mobile at a set time of the week - what you need to know, when you need it
  • Get balances and mini statements - on your mobile on demand
  • Top-up your phone - add credit to a pay-as-you-go phone at no extra cost
  • Alerts - sends you a text if your balance drops below or exceeds a pre-chosen amount
  • Secure service - password-protected access from your phone only giving you peace of mind using the service

See mobile phone banking in action

See for yourself just how quick and easy it is to use.

Sign up now (Terms & conditions apply)

Apply for mobile phone banking today and make life easier on the move.

Technical info:

  • Text Alerts are sent on week days only.
  • Customers can set these alerts either AM or PM
  • Balance Alerts are Overnight Balances
  • Only Business customers who have Debit or ATM cards on their account can sign up for the mobile phone banking service.
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We’ve made it really easy to set up your mobile phone. Here’s what you’ll need to do:

  • Get the software – we’ll send you a link to get the secure mobile phone banking software for your phone
  • Stay secure - choose a passcode, so that nobody else can access your account details
  • Enjoy – that’s it: you’re ready to use mobile phone banking

Find out more

Need more information? Why not look at our common questions page

Ready to sign up today?

It only takes a few minutes to sign up - and start enjoying the freedom of mobile phone banking.

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Costs for mobile phone banking

  • Mobile phone banking is always inclusive if you're a Royalties Business customer
  • For all other business customers, the full mobile phone banking service will cost £2.50 a month, or £2 a month for the text only service

Data charges

If you’re on the Orange or Virgin networks, you may need to pay standard tariff rates for the data you download as part of the mobile phone banking service. Contact your network operator to find out more.

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Q. Just how secure is the mobile phone banking service?


A. It uses the same secure backbone as UK cash machines. It’s been developed with some of the world’s leading banking security companies.

Absolutely no bank account information held on your mobile, and every time you want to use the service, you need to enter a passcode that you set yourself.

All the information is 256 bit encrypted; this is a very high level of security.

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Q. I’ve lost my debit card or cash machine card. What should I do?


A. Call us on 0870 513 3550 as soon as possible. You’ll also need to call MONILINK on 08000 835 415.

Lines are open 24 hours a day, and calls may be recorded. Maximum call charge from a BT landline is 8p per minute. Calls from other networks may vary.

Once we send your replacement cards, you will need to re-register for the mobile phone banking service.

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Q. I have a new debit card or cash machine card. How do I update my mobile phone banking service?


A. Call MONILINK on 08000 835 415.

Lines are open 24 hours a day, and calls may be recorded. Calls cost up to 8p per minute from a BT landline.

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Q. I’ve lost my mobile phone – what should I do?


A. You need to tell your network operator as soon as possible.

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Q. What’s the difference between the full mobile phone banking service and the text-only service?


A. The full service allows you to access your account details any time you like. You can view recent transactions and balances, get SMS alerts and top-up any pre-paid mobile phone. Most modern phones can use the full service.

The text-only service sends you SMS alerts when your account hits limits that you set up yourself. You’ll also get a balance update once a week. All mobile phones can use the text-only service.

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Q. How do I transfer mobile phone banking to another phone?


A. You’ll need to login to our mobile phone banking service, download the software to your new phone and set a new password. This only applies to our full service.

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Q. Will my phone work with the full mobile phone banking service?


A. If your phone has a camera and is under three years old, it will probably work with our full service.

However, if your phone doesn’t work, you can always sign-up for our text-only service.

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