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Confirmation of Payee

Confirmation of Payee is an added security feature we’ve launched in line with other major banks, to give you improved confidence when you set up new people or small businesses to send money to (including one-off money movements and standing orders).

The launch of Confirmation of Payee aims to help protect you from “authorised push payment scams”, when people are tricked into sending money to fraudsters who are pretending to be people or organisations they are not. The service highlights whether the account name, type and number, as well as any relevant reference matches the details held at the bank who look after the account you’re sending money to. This will alert you if anything doesn’t match.

It gives you extra protection from fraud, as well as added confidence you’re definitely sending your money to the right account. It’ll also reassure you that your relevant reference is correct to indicate to the person or small business that it was you sending the money.

How does it work?

  1. You add the details of a new person or small business you want to send money to
  2. We send a request to their bank and let you know if the information you’ve added matches the account name, number, type of account and any relevant reference matches their account details or not.
  3. You receive a response straight back letting you know if the details are a ‘match’, a ‘close match’ or a ‘no match’.

What these responses mean

Details matched - The name of the account holder, account type and number, as well as any relevant reference you’ve input, match those held at their bank

Close match – The name you’ve entered closely matches the details held at their bank.

We’ll show you the actual account name if this closely matches, to help you decide whether or not to send the money or edit details and try again.

Not matched – The name, account type, account number or relevant reference doesn’t match the details on the account.

If your payment details return a ‘close’ or ‘no’ match, we recommend you contact the person or small business you’re trying to pay, to double check their details before you send them any money. 

The best way to contact them is on the phone, rather than replying to an email. Fraudsters sometimes set up email addresses of the person or small business you’re trying to pay. Therefore, it’s recommended you use a telephone number from a trusted source or, an official website (if paying a business).

You can select ‘Edit details’ if a warning message is presented. By choosing to complete the payment, you accept you could send money to the wrong account and may not get it back.

Fraud alert

Don’t fall victim to a scam. Criminals pretend to be people you trust, like a company you’d pay bills to, the police or even first direct.

first direct will never ask you to move money, but criminals will. Find out more by visiting firstdirect.com/help/security-centre.

Be aware that fraudsters might try convince you to ignore the Confirmation of Payee outcome. If you feel uneasy that something isn’t right, please get in touch with us on  03 456 100 100, any time, day or night.

Confirmation of Payee - Outbound Payments - FAQs