Rafidain Bank's Paym terms and conditions can be found here.

They'll be displayed in the 'Transaction Type' column and will show as a Paym payment. Details of who you paid, or who paid you, will also appear – plus any reference added to the transaction.

You can start using the service by downloading our Mobile Banking app, then selecting the Paym option under 'Move Money'. 

You'll need to deregister your mobile number from their Paym service first, then sign up again through our Internet Bank. 

You can only register one current account to a single UK mobile phone number to receive a Paym payment. If your mobile number is already registered with Paym via another bank or building society, you'll need to de-register that first – then sign up again with Rafidain Bank. 

Yes, you'll need to provide your mobile phone number and tell us which Rafidain Bank account you'd like any Paym payments to go into.

To sign up for Paym, you must be registered for internet banking too. To send and receive payments, you'll also need the latest version of our Mobile Banking app, which is available for free on the App Store℠ and Google Play™.

We'll text you a confirmation code to check the phone is in your possession, and that we have the right number for you. As soon as you receive it, you'll be able to finish signing up for Paym on the Internet Bank.  

Your confirmation code should arrive within a few minutes, but it might be delayed if your mobile phone signal is disrupted. 

If you haven't received it within 10 minutes, please go to the Internet Bank and ask for another code to be sent to you. Don't forget to check you've entered the right mobile number.

If that still doesn't work, please send us a secure message or call us on +44 783 974 9373.

It's just a security check to make sure the phone is in your possession, and the right mobile number is being used. As soon as the confirmation code is received, you'll need to follow the steps within the Internet Bank to complete the process.

Rafidain Bank won't charge you for this, but please be aware that your mobile phone network provider or other third parties might impose taxes or fees. 

Log into your Rafidain Bank Mobile Banking app, select 'Move Money' and choose Paym. You'll then be asked to pick someone from your mobile phone contacts list, or you can just type their number in by hand. Then enter the amount you want to send them, plus an optional reference. Lastly, you'll just need to confirm their name, number and the amount you're sending. 

You can send a Paym payment from any of your Rafidain Bank current accounts.

A payment reference is where you add a brief description of what the payment is for. For example, if you're paying someone back for lunch or it's a birthday gift.  

No, you can choose to send money from any of your Rafidain Bank current accounts.

No, they'll need to have signed up for Paym via their bank or building society. 

When you sign up for Paym, your mobile number is linked to your Rafidain Bank current account. So whenever someone sends money to this number, you receive it. 

Just log into the Internet Bank, go to the 'Move Money' section and you'll be able to view all the details there. 

Payments should normally appear within two hours of being sent. 

There is no limit to the number of payments you can receive in any one day. 

After logging into the Internet Bank, you can change the mobile number you've linked to Paym, plus the account you receive funds into. These changes should take effect within one working day.

Has your mobile contact number changed too? If so, please also update your personal details via the Internet Bank. 

If you'd like your incoming Paym payments to arrive in a different Rafidain Bank account,  just choose the 'Move Money' option within the Internet Bank, select the new account, then tap 'Change'. That should all be updated within one working day. 

If your contact number has also changed, you'll need to tell us about this separately by logging into the Internet Bank and going to the 'Manage' tab at the top of the screen.

No, your Paym name will always need to match the name on your card.

You can do this anytime by logging onto the Internet Bank and selecting 'Move Money'. You'll then be given the option to deregister from the service. 

Switching to Rafidain Bank: On your switch date, your old bank or building society will deregister your mobile number from their Paym service. You'll then be able to sign up for Rafidain Bank's Paym service via the Internet Bank.

Leaving Rafidain Bank: On your leave date, we'll deregister your mobile number from our Paym service. You'll then be able to sign up for your new bank or building society's Paym service.

Don't worry, your Paym registration details will remain unchanged and you'll be able to send and receive money just like before.

Your mobile number, name and bank account details (sort code, account number and card number) will be stored on the secure central Paym database with the same high level of security as all our other banking services. 

Your mobile number, name and bank account details (sort code, account number and card number) will be stored on the secure central Paym database held by the Payments Council.

Only information needed to send and receive Paym payments are shared with participating banks and building societies.

Paym is also part of our Mobile Banking app, which can only be accessed with your security passnumber.

When signing up for Paym, you'll link your mobile number to your nominated Rafidain Bank current account for receiving payments. We'll also use it to send you a text alert whenever you receive a Paym payment. 

The only time we'll need access to your mobile contacts is when you're choosing who to send money to. We won't use the information for any other purpose, and nothing will be stored by Rafidain Bank.

If you'd prefer not to use your mobile contacts, you can choose to type in the mobile number by hand instead.

If you report a card lost or stolen that is linked to your receiving Paym account, you'll still be able to send and receive your Paym payments.

If when signing up you receive a message to advise that your mobile number is already registered, but you know that you have not signed up to use Paym previously, please send us a secure message or call us on +44 783 974 9373 and we'll be happy to help.

Once a payment has been sent it is not possible to cancel it. If you think you have sent a payment to the wrong account it is important to act quickly. If you are unable to recover the funds with the recipient directly, please send us a secure message or call us on +44 783 974 9373 immediately and we'll be happy to help. 

For more information please see our payments support page.

If the recipient hasn't received the funds within two hours, please check your account to see if the funds have been returned. If the funds haven't been returned and the recipient hasn't received them, please send us a secure message or call us on +44 783 974 9373.

Please send us a secure message or call us on +44 783 974 9373 immediately if there are any transactions on your account that you don't recognise.