What this tool does

This interactive tool checks whether a specific payment can actually be made between two parties using your chosen payment method. It takes into account UK banking rules, limits, and restrictions that vary depending on how you want to pay and who is involved.

The tool explains not just whether the payment will work, but also highlights potential risks, scam patterns, and what could go wrong so you can make informed decisions about your money.

When to use it

Use the tool when you are unsure about payment rules, especially for unusual situations like large transfers, payments to new recipients, or when someone has asked you to use your account in a way that feels unfamiliar. It is particularly helpful if you are dealing with high-value payments, international transfers, or situations involving people you do not know well.

The tool is also useful if a payment has been refused by your bank and you want to understand why, or if you need to know what documentation or checks might be required.

How it works

You select your payment method and describe who is paying, who is receiving, and the circumstances. The tool then explains whether the payment can proceed, what rules apply, and flags any red flags such as common scam patterns or money laundering risks.

You will also get practical guidance on what to do if something goes wrong, including how to recover mistaken payments and which UK authorities can help with disputes. Nothing you enter is saved, and you do not need to create an account to use the tool.