Confirmation of Payee is the account name checking service that allows payers to confirm if the name held on a payee’s account belongs to the person or business they want to pay.
This can help to protect individuals and businesses against certain types of fraud, and to prevent payments like CHAPS, Faster Payments and Standing Orders from being sent to the wrong account.
Metro Bank provides the Confirmation of Payee service for incoming payments and it’s available on all Metro Bank customer accounts.
This means that customers of banks who provide the Confirmation of Payee service for outgoing payments can confirm the details of their payees when paying into Metro Bank accounts.
Here are some tips to help make sure that your personal and business contacts can make payments to you. Remember that someone may not pay you if they don’t receive a confirmation that they’re making a payment to the right account.
Make sure that anyone who wants to pay you is provided with your:
For joint accounts, they only need to use the full name of one of the account holders.
Confirmation of Payee is being introduced to improve payments between UK banks and reduce cases of fraud, as well as payments going to the wrong account.
You can request to opt out of your details being checked when other people are trying to pay you however, if you opt out of Confirmation of Payee, when a person or business tries to pay you, they’ll get a message that your details can’t be checked which may prevent them from making the payment.
If your request to opt out is successful:
If you want to pay someone new, you’ll be able to see if the account details you have match the account details of the person or business you’re paying. This provides protection against certain types of fraud and also helps to prevent payments from going to the wrong account, keeping your money and accounts safe.
When you set up a new payee, Confirmation of Payee will automatically check the account details of the person or business you’re paying and will let you know whether the details are a match, a partial match or no match.
What these responses mean
Match – the details you’ve entered match the person or business you’re trying to pay. If all the details you enter are correct, we'll let you know that they match and you can continue with the paymentPartial match – this could be because:
You can update the details and try again or check them with the person or business you’re trying to pay.No match – this may mean that:
If you make a payment using the wrong details, it might not reach the correct account and you may not be able to recover the money. Always be cautious of making payments when the details don’t match.
You may also see other responses, such as a system problem or the account holder’s bank not supporting the Confirmation of Payee scheme. If this happens, please double check the payment details with the person or business you’re paying.
You’ll need to ensure that you have the correct payee details, including:
For personal accounts you’ll also need the payee’s:
For joint accounts, you only need to use the full name of one of the account holders.
For business accounts:
Confirmation of Payee checks aren’t available for payees created as part of BACS payments, including Direct Debits.
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