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Mobile Banking
Manage your money on the move
Available to personal or business customers who have Online Banking
and an Isle of Man, UK or international mobile number
(our app is available in 18 countries)
Get Cash
Forgotten your card? With our Mobile app you can use Get Cash to withdraw money through our cash machines even if you don't have your debit card with you.
How do I use Get Cash?
Pay Your Contacts
You can use Pay Your Contacts to send up to £250 a day to someone from your Mobile Banking app using just their mobile number. Your contact must have either:
- registered their account to receive money via Paym (Isle of Man Bank and non-Isle of Man Bank customers) or
- the Isle of Man Bank, NatWest, NatWest International, RBS or Ulster Bank Mobile Banking app
Paym
Paym lets you use the Isle of Man Bank mobile banking app to send money to your friend's account, just using their mobile phone number, and the money will be transferred instantly. It’s available to customers of most of the UK’s leading banks and building societies.
How does Paym work?Further information
Mobile Banking
Pay Your Contacts
Pay Your Contacts allows you to pay someone from your Mobile Banking app using just their mobile number. To use this service your contact must have either:
- registered their account to receive money via Paym or
- the Isle of Man Bank, NatWest, NatWest International, RBS or Ulster Bank Mobile Banking app
To pay money to a contact open your Mobile Banking app, click on the 'Pay Your Contacts' option, enter their mobile number, the amount you want to pay them and add a personal message. The funds will reach their account instantly.
You can send a minimum of £0.01 and a maximum of £250 in a single payment. The sum of all such payments cannot exceed £250 in a day.
Pay Your Contacts payment limits are independent of daily withdrawal and Get Cash limits.
Mobile Banking
How do I install the app on my mobile phone?
iPhone/iPad
To install the app on your iPhone/iPad please go to the Apple App Store and search for "Isle of Man Bank" then click Free or the Cloud icon.
Android
To install the app on your device please go to the Play Store and search for "Isle of Man Bank" then click Install.
Mobile Banking
What should I do if I change my mobile
number?
If you want to change your mobile phone number you will need to re-register for the Mobile Banking app using the new mobile phone number.
If you use the iPhone app and manage your text alerts with this service, please ensure that you cancel the alerts prior to changing your mobile phone number. Text alerts within the iPhone app are separate and cannot be managed in Online Banking.
Mobile Banking
I've forgotten the passcode. What should I do?
Open up the app and select 'Forgotten passcode' in the bottom left hand corner. This will take you through re-registration and allow you to select a new passcode.
To do this you will need your Online Banking log in details and debit card. You will also be sent a text message containing an activation code. It may take up to 24 hours to verify your details. On successful registration we will send you a text message to let you know you can enjoy Mobile Banking again.
Banking safely on your mobile
Strong registration
Before you can use our Mobile Banking service, we make sure we validate your details. A robust registration process for the Mobile Banking app helps us ensure that you are protected from fraudsters trying to register as you.
Please do not share any of the sensitive registration information with anyone else. If you believe this information has been compromised, please immediately contact us and we will be able to assist you to ensure your account remains protected.
Banking safely on your mobile
Passcode
Our Mobile Banking app is passcode protected with the passcode uniquely linked to the Mobile Banking app on your device.
Banking safely on your mobile
Sophisticated encryption
When you use the Mobile Banking app, data is transferred from your device to us, so we use advanced encryption technology to keep it secure.
Banking safely on your mobile
Passcode
Don't give your Mobile Banking security details, including your passcode, to anyone else and don't store these on your device.
Get in touch with us as soon as possible if you feel someone may know your Mobile Banking login details or if you lose your mobile phone or tablet. We can then stop the service to your device.
For added security, we recommend you should set up a passcode to access your mobile phone or tablet device. This option can be found under the Settings menu on your phone.
Banking safely on your mobile
App stores
Only download mobile apps from official app stores, such as Apple iTunes and Android Play Store. Our apps are only available on official app stores.
Banking safely on your mobile
Your handset
Don't leave your device unattended when logged on and watch out for people looking over your shoulder.
Think carefully before jail-breaking or rooting your device. We advise against doing this as it may weaken the security of your device and expose you to additional risks.
If possible, keep your mobile devices operating system updated with the latest security patches and upgrades. Older software may have security vulnerabilities that could expose you to additional risks.
You may also want to consider using a reputable brand of anti-virus software on your mobile device.
For added security, we recommend you should set up a passcode to access your mobile phone or tablet device. This option can be found under the Settings menu on your phone.
Banking safely on your mobile
SMS and eMail
Be cautious about opening links contained in SMS messages or emails. Don't respond to unsolicited messages or phone calls, and remember we will never contact you to ask you to disclose your security credentials.
Beware of phishing scams. Phishing is when criminals send convincing looking, but fraudulent emails to lure you into entering your details at a fake but genuine looking website or app. Criminals can also use hyperlinks or attached files within phishing emails as a way to infect your device with malicious software (malware).
Banking safely on your mobile
Websites and apps
Only use the official NatWest app and websites (www.natwestinternational.com) to do your banking.
Don't download content from sites or visit sites unless you are sure that the site is reputable. This is to safeguard against installing malicious software. Also be wary of using insecure and untrusted wireless networks.
Mobile Banking
Get Cash
Get Cash enables you to withdraw money without using your bank card. It is a great option for those times when you need small amounts of cash but don't have your wallet on you. Get Cash provides you with a method by which you can get access to your money quickly by simply using the Mobile Banking app.
How does it work?
With Get Cash you can use the app to choose an amount of cash that you would like to withdraw. We will provide you with a secure cash code that will be valid for 3 hours and can be used at any Isle of Man Bank, NatWest and NatWest International cash machines to withdraw your cash. Your cash code can also be used at any Ulster Bank or Easy Cash cash machines in Northern Ireland. You can use this cash code yourself or text it to someone else. You can use this service up to twice a day, but can only have one cash code at any one time.
Please note:
- Get Cash limits will apply for this service, including a maximum withdrawal limit of £130.
- The amount requested must be within the daily withdrawal limit for your debit card.
- There is a maximum limit of two Get Cash withdrawals per day.
- You must have at least £10 available funds to withdraw from your account (including any overdraft facility).
Send and receive money using just a mobile number
Paym
Paym lets you use the Isle of Man Bank mobile banking app to send money to your friend's account, just using their mobile phone number, and the money will be transferred instantly. It's available to customers of most of the UK's leading banks and building societies.
For more information visit the Paym website.
How does it work?
To use Paym, you need to register using the latest version of the Mobile Banking app. Open the app and select Paym from the menu. You'll find all the registration details there.
Paym is available on most personal accounts and the list of eligible accounts will show during the registration process. When registering you need to select the account in which you wish to receive payments.
To send a payment tap on 'Pay Your Contacts' in the app. Then simply choose a contact or type in a mobile number, then enter a message and the amount you want to send. If the person you're paying is registered for Paym or is an RBS Group mobile app user the money will be in their account instantly.
Paym is available on our Mobile Banking app for Android and iPhone.
If your friends have not registered for Paym, you can continue to use Pay Your Contacts to send them money however they will collect the payment online using their Visa card and the money will not be transferred until the next business day. We'll notify you by text message when they've collected the payment and your balance has been debited.