Confirmation of Payee

Confirmation of Payee is an industry-wide service that adds a layer of protection for payments to a BSB and account number. It checks the account name, BSB and account number you’ve entered against the details held by the recipient’s bank and lets you know whether it’s a match. This can help you make informed decisions before you make a payment, reducing the risk of scams and mistaken payments.

Confirmation of Payee is an initiative of Australian Payments Plus, the same organisation that also provides trusted payment services like BPAY®, Osko®, eftpos®, PayID® and PayTo®.

Confirmation of Payee will be available in Online Banking and the Mobile App. You’ll need to download the latest version of the Mobile App which will be available from 24 March 2026 in order to access the new service. When you make a payment to a BSB and account number, or edit a payee’s BSB and account number, you will be given the match result before you make a payment.

When you make a payment to a BSB and account number, Confirmation of Payee checks the details entered against the account name, BSB and account number held by the recipient's bank and gives you a match outcome. This helps you decide what you want to do next - and gives you more confidence that your money is going where you intend it to go.

Confirmation of Payee checks the account name, BSB and account number you’ve entered against the details held by the recipient’s bank to let you know whether it’s a match or a close match – or if the details don’t match at all. All Confirmation of Payee information is passed securely between financial institutions to ensure your data remains safe.

If you are receiving money into a personal account, the person or business who’s paying you will be shown the account name only if the name they have entered is a match or a close match. If any of these details are incorrect, the account name will not be shown to protect your privacy. If you are receiving money into a non-personal account, the name of your account will be shown to the payer, regardless of whether it’s a match or not.

Confirmation of Payee will check account details for all first time payments or future dated first time payments set up to a BSB and account number and when you make amendments to your online banking address book. Additional checks will be made to a saved payee when a payment has not been made to the saved payee in the last 6 months.

Account match means the details you’ve entered match the bank records of the intended recipient.

‘Close match’ means the details you’ve entered closely match the bank records of the intended recipient.

‘No match’ means that the details you entered do not match the bank records of the intended recipient.

'Error' means that the service could not confirm the account details you entered match at this time.

‘This account is no longer active’ means that the account is closed.

‘No account found’ means that the account is not available.

Yes. Confirmation of Payee will never stop you from completing a payment, unless the account you are trying to pay is closed. We encourage you to be scam aware and always take steps to make sure you know who you are paying, as scams or mistaken payments may be difficult to retrieve.

If you want to get paid without any confusion or potential delays, you should share the account name, BSB and account number for your bank account.

Names with special characters, like apostrophes (‘), will still match without being entered. For example, enter O’Connor as O Connor or OConnor. Or an account name with an ampersand (&) such as Paper & Pen can be entered as Paper Pen.

If the name you’re trying to enter exceeds a character limit in your online banking, let the recipient know and consider how best to proceed by contacting us on 132 888 or send a Secure Mail message.

If you enter the wrong account details, you can end up sending your money to the wrong recipient. This can be difficult and time-consuming to resolve, which is why it’s important to check the accuracy of the details you enter before you send your money.

Eligible customers may request to be opted-out of the Confirmation of Payee service. This means your account name and match outcome will not be displayed to payers and could impact the likelihood of the payer proceeding with the payment. To understand the opt out process and the implications, please contact us on 132 888 or send a Secure Mail message.

To ensure your name is accurate in the Confirmation of Payee service, please contact us on 132 888 or send a Secure Mail message.