Pay by Bank

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Skip the card. Pay in seconds, straight from your bank.

Pay by Bank is the fastest, most secure way to check out at Simply Peptides. One tap inside your own banking app and you’re done — no card numbers, no CVV, no fuss.

Instant
Payment confirmed in seconds
Bank-grade secure
Authorised in your own banking app
Free to use
No fees, ever

What is Pay by Bank?

Pay by Bank is a modern UK payment method that lets you pay for your order directly from your bank account, without using a debit or credit card. Instead of typing in card details, you authorise the payment inside your own banking app — the same app you already trust to check your balance.

It runs on Open Banking, the secure financial infrastructure introduced in 2018 and overseen by the Financial Conduct Authority. Every major UK bank is required to support it, and over 11 million UK consumers use Open Banking services every month.

How it works — four taps, you’re done

1
Choose Pay by Bank

Select it as your payment method at checkout.

2
Pick your bank

Choose your bank from the list of UK providers.

3
Approve in your app

Confirm with Face ID, fingerprint or your usual login. Amount and recipient pre-filled.

4
Order confirmed

You’re back at Simply Peptides with payment complete. Under 30 seconds, start to finish.

Why customers love paying this way

Faster than card details

One tap with Face ID or fingerprint and the payment is done. No 16-digit number to find.

You never share card details

No card number, CVV or password leaves your bank. Nothing for a hacker to steal.

Quicker refunds when you need them

Refunds can land in your account in minutes, not the 2–5 working days a card refund takes.

Cleaner budgeting

Money leaves immediately. The balance you see is the balance you actually have — no “pending” lag.

Works on any device

Phone, tablet, laptop. If you can open your banking app, you can Pay by Bank.

Fully regulated

Fena is FCA-authorised — the same regulator that oversees the UK banking system.

Pay by Bank vs paying by card

Same checkout, fewer steps and nothing sensitive to share. Here’s how the two compare.

  Pay by Bank Paying by card
Checkout speed One tap — done in under 30 seconds Type a 16-digit number, expiry and CVV
Card details shared None — no card number ever leaves your bank Full card number, expiry date and CVV
How you approve Face ID, fingerprint or PIN in your own banking app One-time passcode or 3-D Secure password
Refund speed Often within minutes Typically 2–5 working days
If a retailer is breached No card data exists in the chain to leak Stored card details can be exposed
Cost to you Free Free

Works with every major UK bank

If your bank has a mobile app, it almost certainly supports Pay by Bank. The full live list appears at checkout — here are the most common.

  • Barclays
  • HSBC
  • Lloyds
  • NatWest
  • Santander
  • Halifax
  • Nationwide
  • Monzo
  • Starling
  • Revolut
  • First Direct
  • TSB
  • Virgin Money
  • Metro Bank
  • Chase UK
  • Co-operative Bank
+ 16 more, including Tesco Bank, M&S Bank, Coutts, Tide, AIB, Bank of Ireland

Is it safe? Arguably safer than paying by card.

Pay by Bank removes several of the structural weaknesses that make card payments risky:

  • You authenticate inside your own bank.

    Approval happens in your banking app, using the same biometric or PIN protection you trust for everything else. Nobody else sees your credentials.

  • No card data exists to steal.

    Card numbers can be skimmed, phished, or leaked in retailer breaches. With Pay by Bank, there’s no card number in the chain at all.

  • Strong Customer Authentication built in.

    Every transaction satisfies the FCA’s Strong Customer Authentication requirements by design.

  • Direct, not via card networks.

    Money moves directly between your bank and ours over the UK’s Faster Payments rails — no middlemen handling your data.

Frequently asked questions

No. If you already use your bank’s mobile app or online banking, you’re ready to go. Pay by Bank simply redirects you to the app or login page you already have.
Never. You log in directly with your bank, exactly as you would for any other banking task. Fena doesn’t store, see, or have access to your login details.
Instantly. Pay by Bank uses the UK’s Faster Payments network, so funds reach us in seconds and your order can be processed straight away.
Refunds work just like any other order — contact us and we’ll process it back to the bank account you paid from. They usually arrive much faster than card refunds.
No. Pay by Bank is completely free for you to use.
Yes — mobile is where Pay by Bank really shines. With biometric login you can complete a payment in seconds without typing a thing.

Try it on your next order

Add your products to the basket and select Pay by Bank at checkout. You’ll be on your way in under a minute.

Shop now →