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Shoppers in the UK will soon be able leave their wallets at home thanks to a new app that will allow them to pay with their smartphones.

HSBC, First Direct, Nationwide, Santander and Metro Bank have announced that they will offer Zapp mobile payments to 18 million customers across the UK.

Together, this group represents over a third of all UK bank accounts with 60 per cent of the country’s businesses able to take advantage of the service.

Zapp will be integrated onto a mobile banking application. The customers will be able to see their balances on each account, and choose which one to pay from.

Zapp - the easiest and most secure way to pay

Zapp will put in 2014 real-time payments on millions of people’s mobile phones making it easier than ever to pay for goods and services. Without the hassle of new digital wallets or extra passwords or logins Zapp uses a consumer’s existing bank account and smart phone to enable faster and more secure payments.

Zapp can be easily integrated into merchant online and mobile checkouts and can be used at the point of sale for NFC, QR code or any other system that a retailer has implemented.

For consumers Zapp can be embedded in current mobile banking applications so that they can quickly and easily access mobile payments from a trusted source without new logins or passwords. Consumers can check their balance before paying for goods and services thereby staying in control of their finances.