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Payment changes in mobile and online banking

We’re making some changes to the way you’ll make payments in the mobile app and online banking with the introduction of the Confirmation of Payee service. We’re also simplifying ‘one-off payments’ and giving you the ability to change a payment reference in the mobile app.


Confirmation of Payee service

Confirmation of payee is a name-checking service that helps make sure new payments made in the mobile app and online banking are sent to the right person or business. It can help protect you from certain types of scams, like 'Authorised Push Payment' scams and will also help reduce payments that are made to the wrong account by mistake.

It will do this by:

  • matching a payee’s name to the one on their account
  • letting you check the name if it’s a close match to the payee’s name, before sending a payment
  • explains the risk of making a payment when the name doesn’t match
  • when making a payment in the mobile app or online banking to someone new
  • when giving your account details to someone so they can send you a payment

How to enter the correct details when paying someone or receiving a payment

It’s important to have the right details:

  • when making a payment in the mobile app or online banking to someone new
  • when giving your account details to someone so they can send you a payment
  • Making payments in online banking and the mobile app

    Confirmation of Payee lets you check the name of the person or business you're paying when setting up a new payee in the mobile app or online banking. You'll see one of these results on screen:

    When we won’t be able to match your name

    • Within the first 24 hours of opening a new account
    • When making a new payment to a credit card
    You can continue with the payment – but always double-check the account name and details are correct.

    Changes to one-off payment in the mobile app

    Full mobile image

    To simplify the way you make payments to someone new, instead of having an option to make a ‘one off payment’ you’ll now be able to pay someone new and choose to save them if you wish to.

    If you’re wanting to make a one-off payment to someone and not save them to your payee list, you’ll need to select ‘Pay someone new’ and make sure you remove the tick from the ‘Save this payee’ box.

    Change a reference in the mobile app

    You'll soon have the ability to change a reference you have set up for a saved payee.

    To do this follow the below steps

    1. Select 'Pay a saved payee'
    2. Select the person you want to pay and the amount
    3. If required you can now change the reference in the 'Reference' box
    4. The reference will be updated on your payment and added to your saved payee list.