Giving you can actually trust.

When someone posts a bill, it doesn't go live straight away. The team looks at the photo of the bill and checks it against the supplier, amount and reference that were entered.

• The supplier has to be on our list, or the bill can't go live.
• Bills that look edited, aren't in the person's name, or don't add up are turned down.
• Each person can only have one open bill at a time.

Our checks are careful, but no check is perfect. If anything about a bill looks wrong to you, report it from the bill's details screen and the team will look into it.

Never to a person and never as cash. A chip-in is paid from your bank straight into the supplier's own account, using the bill's reference, so it can only go towards that bill.

We never hold it. Bill Pal has no wallet or balance. Payments are made through Open Banking by a regulated payment provider, and you approve every one in your own banking app.

We choose the account, not the bill. We add suppliers' bank details ourselves and check them. Bank details printed on a photo are never used, so a fake bill can't send money anywhere else.

If you post a bill, people see your first name, town, household size, your note, the supplier, the amounts and the last four characters of your reference. Never your surname, address, email, full reference or the photo.

If you chip in, the person you helped sees "a Bill Pal member" or your town. Not your name.

Information about money trouble is sensitive. We only use it to run Bill Pal. We never sell it or use it for advertising. You can delete your account in the app at any time. Read our privacy notice.

Fake or edited bills, bills that aren't yours, offensive notes, and anything that breaks the law. We close accounts that do these things and may report fraud. The full rules are in our terms.