Why does your Mobile app require access to a phones location, call service and contacts etc?

To enable some features in the Mobile app to work, it needs to access the phones location, call service and contacts etc.

For instance, when using Pay Your Contacts, the app needs to have access to your contacts so you can choose the number straight away, and send money.

For instance, if you use 'Near Me' to locate a branch or cash machine near you, the app will ask you to allow access to your phone location, so it can give you accurate results.