Need to pay someone without an invoice? Learn how to make manual payments for one-time expenses like HMRC payments, rent, utilities, or any other payment where you don't have a bill to pay from.
To make a manual payment
Go to Bill pay and click +New payment
Select Enter manually
Choose your recipient or add new contact details
Enter the payment amount and reference
Select your payment method
Complete the payment
Recipient details
Manual payments work similarly to a normal bank transfer. For UK recipients, you'll need their name, sort code, 8-digit account number, and optionally an email address for remittance advice.
We automatically verify UK bank details through Confirmation of Payee and flag any issues before you pay.
For international recipients, provide their full name and address, IBAN or local account number, BIC/SWIFT code, and payment currency.
Payment methods
Open Banking – Connect directly to your bank for instant authorisation. Money moves within minutes. Learn more in our guide: Pay via Open Banking.
Bank transfer – Make a traditional transfer from your online banking. Suitable for when Open Banking isn't available. See our detailed steps: Pay via bank transfer.
Card payment – Pay with your business or personal card and earn rewards. We charge your card and send a bank transfer to the recipient. A 2.9% fee applies. Full details available: Pay by credit card.
Card payments are typically completed by the next business day, around 2 PM UK time.
Keep in mind
Please make sure to verify all bank details before making a first-time payment to help avoid any delays.
Payment times may vary. UK transfers typically arrive within minutes, while international payments take between 1–3 business days.
Once your payment is complete, you'll receive confirmation and can send remittance advice to help your recipient understand what they've been paid for.