Confirmation of Payee explained

Confirmation of Payee is a new name-checking service that helps make sure payments are sent to the right personal or business account. Here’s a guide to how it works. 

How Confirmation of Payee works

Confirmation of Payee helps make sure that new payments, like one-off payments, bills, standing orders and CHAPS, are sent to the right person or business. It could also help to avoid certain types of Authorised Push Payment scams.

It does this by:

  • matching a payee’s name to the one on their account
  • letting the payer check the name before sending a payment
  • explaining the risk of making a payment when the name doesn’t match

Making a payment

Whether you’re making a payment online, on the banking app, by phone, or in a branch, it’s important to have the right details of the person you’re paying.

You’ll need their:

  • full first name – for example ‘Thomas’ not ‘Tom’
  • last name
  • sort code
  • account number (and account reference if needed)
  • account type – personal

For joint accounts, you only need to use the full name of one of the account holders.

For payments into a non-personal account, use the full business or organisation name and choose the account type as ‘business’.

Receiving a payment

If you’re expecting a payment from a person or business, it’s important they use the right details.

Remember, someone might not send a payment if the name they use doesn’t match the one on your account.

Make sure they have your:

  • full first name (for example, ‘Thomas’ not ‘Tom’)
  • last name
  • sort code
  • account number (and account reference, if needed)
  • account type – personal

For joint accounts, they only need to use the full name of one of the account holders.

For payments to a non-personal account, they need to use your full business or organisation name and choose the account type as ‘business’.

Paying yourself from another account

Always use your full first and last name when setting yourself up as a payee. Don’t use a shortened name or nickname.

This includes payments into your Nationwide:

  • current account
  • mortgage account
  • savings account
  • personal loan account

Deciding if a payment is safe

Confirmation of Payee lets you check the name of the person or business you’re paying when:

  • setting up a new payee
  • updating an existing payee

You’ll see one of these results on screen:

  • Account name is a match
  • Account name is a close match
  • Account name is not a match
  • Unable to check the account 

We may explain a bit more about the result, depending on the reason you’re seeing it. For example, if you’ve chosen to pay a personal account when the payee is a business, we’ll let you know.

What the results mean

Account name is a match 

The account name matches the payee’s name.


Account name is a close match

The account name is close to the payee’s name. You’ll be shown the name on the account you’re paying to help you decide whether it’s the right person. You should double-check the details before sending any payment.

Account is not a match

The account name doesn't match the payee’s name. Again, you should double-check the details, otherwise your money could be sent to the wrong account.

When it’s not possible to match a name, we’ll let you know that the payment could be sent to the wrong account. And if you choose to go ahead anyway, we may not be able to get your money back.

Unable to check account

Sometimes we won’t be able to check the name on the account you’re sending money to. That doesn’t mean that anything’s wrong. It could just be that the payee’s bank isn’t using Confirmation of Payee yet.

You can continue with the payment – but always double-check the account name and details are correct.

When we won’t be able to match your name

  • within the first 24 hours of opening a new account
  • on payments to a Nationwide credit card account – but we’re working on it

You can still continue with the payment – but always double-check the account name and details are correct.

Protecting against fraud

To help keep your money safe, be alert when:

  • someone you don’t know asks you to make a payment
  • the name of the person you’re paying doesn’t match the account name
  • someone asks you to ignore the check when the account name doesn’t match
  • you feel pressured to make a payment
  • a person or business’s account details change unexpectedly 

And remember:

  • don’t give out your personal or financial details
  • never open a link in an unexpected or suspicious email or text 
  • a genuine bank or business will never ask you for your PIN, banking password, or to move money

More about protecting yourself from fraud

If something goes wrong with a payment

Contact us straight away if you think:

  • a payment has been sent to the wrong account
  • someone is trying to scam you

Updating your details with us

You can avoid payment delays by keeping your details up-to-date. If anything changes – for example, your last name if you get married – please let us know.