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Confirmation of Payee is an industry-wide service rolling out in 2025 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^®.

When you make certain payments to a BSB and account number, Confirmation of Payee checks the details you enter against the account details held by the recipient’s bank and gives you a match outcome. That helps you decide what you want to do next – and gives you more confidence that the money you’re paying is going where you intend it to.  

You don’t need to do anything. Confirmation of Payee is already available in the app and internet banking. When you add a new payee or make certain payments to a BSB and account number you will be given the match result.  

Match

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

Close match

• This means the details you’ve entered closely match the bank records of the intended recipient.
• This can happen with name abbreviations, initials, or small differences. However, you should still confirm the BSB, account number, and full account name directly with the person or business before continuing.
• Only go ahead with the payment if you’re sure the BSB and account number are right, and you trust who you're paying.

No match

• No match means that the details you entered do not match the bank records of the intended recipient.
• No match can also be returned where the character limit is exceeded.
• You should check the BSB, account number, and full account name directly with the person or business before continuing, as it's your responsibility to confirm the account information.
• Only go ahead with the payment if you’re sure the BSB and account number are right, and you trust who you're paying.

No account found

• No account found means the service could not confirm the account details you entered match.
• Check the BSB, account number and name with the payee.

Account is no longer active

• This means the account is now closed.
• The payment cannot go ahead.

Could not confirm

• The service may be temporarily unavailable.
• Check the BSB, account number and name with the payee.

Confirmation of Payee will check account details when you add a payee or make a payment to a new payee or a payee you haven’t already checked using the service in the previous 6 months. The Confirmation of Payee service may check the payee name you enter against the account details held by the payee’s bank and may provide you with a match outcome to indicate that the account name matches the account.  

If you are receiving money into a personal account using your BSB and account number, and the payer’s financial institution participates in the Confirmation of Payee service, the person who’s paying you will be shown your account name only if the name they have entered is a match or a close match. If any of these details are incorrect, your name will not be shown to protect your privacy. 

If you’re a business or government organisation account that’s receiving a payment, the name of your account will be shown to the payer, regardless of whether it’s a match or not. 

If you have any questions or concerns on how this may impact you, please contact us.

For further information about how we manage your privacy including how you can access and correct your personal information or make a complaint about how we have handled your information, please see our Privacy and Credit Reporting Policy.

If you want to get paid without any confusion or potential delays, you can share the account name, BSB and account number for your bank account. Alternatively, you can provide your PayID^®. This is especially important if you’re a business with an account name that differs from the name you’re using to take a payment; for instance, if you have a different trading name for a particular part of your business.

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 enter the wrong account details, you can end up sending your money to the wrong recipient. It may not be possible to recover funds from an unintended recipient, which is why it’s important to check the accuracy of the details you enter before you send your money.

Yes. Confirmation of Payee will not stop you from making a payment (unless it identifies the recipient account is closed), but if the match outcome indicates that the details do not look right, it is your responsibility to confirm the account information before proceeding, such as by checking with the intended recipient. You should only proceed with the payment if you are confident that the recipient’s BSB and account number is correct, and the payee is trustworthy. 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 not be able to be recovered.  

To ensure your name is accurate in the Confirmation of Payee service, please contact us to update your account details. You will need to provide appropriate proof of your change of name.  

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

You may apply to opt-out of the Confirmation of Payee service in limited circumstances. You can do this by visiting any of our branches or by calling us. 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.