Confirmation of Payee explained
Confirmation of Payee (CoP) is a name checking service used by Building Societies and Banks to give people added confidence they are sending money to the right account by checking names and account details match the account holder. Confirmation of Payee is used when you or a third party makes a payment in to a Bath Building Society account using mobile or internet banking.
How Does it Work?
When a payment is made into your Bath Building Society account, the sending bank will use the Confirmation of Payee system to check that the name and account number used matches your account details. There are four possible outcomes:
- Match – If you have used the correct account name, you will receive confirmation that the details match and you can proceed with the payment.
- Close match – If you have used a similar name to the account holder, you will be provided with the actual name of the account holder to check. You can update the details and try again or contact the intended recipient to check the details.
- No match – If you have entered the wrong name for the account holder, you will be informed that the details do not match and advised to contact the person or organisation you are trying to pay.
- Unavailable – This occurs when it is not possible to check the name, for example, due to a timeout, you have opted out, or if you have only opened your account within the last 48 hours.
How do I make a payment into my savings account?
| Sole Personal Savings Account: | Select ‘Personal’ and use the full name the account holder |
| Joint Personal Savings Account: | Select ‘Personal’ and use the full name of one of the account holders |
| Business Accounts: (Pension/Trust/Charity) | Select ‘Business’ and use the full name of the Business or Organisation |
| Sort Code: | 62-30-45 |
| Account Number: | 00000000 (This is our NatWest account number) |
| Reference: | This is an 8 digit reference number, also known as your account number. It should be used in the reference section of your banking payment screen. |
How do I make a payment into my mortgage account?
| Sole Personal Mortgage Account: | Select ‘Personal’ and use the full name the account holder |
| Joint Personal Mortgage Account: | Select ‘Personal’ and use the full name of one of the account holders |
| Business Mortgage Accounts: | Select ‘Business’ and use the full name of one of the Business or Organisation |
| Sort Code: | 62-02-05 |
| Account Number: | 66358949 |
| Reference: | This is an 8 digit reference number, also known as your account number. It should be used in the reference section of your banking payment screen. |
