The bank said customers should bring photographic identification and account details (account number and sort code) and a pay-slip if the balance did not reflect any salary payments.

BBC: Ulster Bank sign

The system will mean people can send and receive money to others by sharing just their mobile number - rather than having to swap other details such as sort code or account number.

BBC: A man uses his smartphone

Recipients print a coupon with a bar code that includes the account number, and mail it in with a check.

WSJ: For Graduation, a Gift of a 529