Confirmation of Payee (CoP) checks the name on the account you want to send money to and confirms the name on your account when someone wants to send a payment to you.

The service is designed to give individuals and businesses greater assurance that they are sending payments to the right person, helping them to avoid making payments to the wrong account holder, as well as providing another layer of protection in the fight against fraud and scams.  

Phase one: 23 October 2023, which will allow other UK banks to request confirmation of your account name before sending payments to your account.

Phase two: Will allow our customers to check the name of the account you want to send money to in the UK and we will be in touch with you in advance of this change.

We will only agree to an opt out request in exceptional circumstances. 

By opting out of the service your account will not be checked when another person or business tries to make a payment to you.

If you do opt out of this service, then individuals or businesses making payments to your account will get a message that your details can’t be checked.

Opt Out/Opt Back In Form

If you switch your account to another provider your opt out request will not automatically switch. You will need to opt out with your new account provider.

If you have already opted out of Confirmation of Payee and wish to opt back into the service, you can do so at any time.

Opt Out/Opt Back In Form