Confirmation of Payee is an industry-wide service that matches the bank account details entered by a payer with the account details held by the recipient's bank and displays a match outcome to the payer.
It's a new layer of protection for Australian consumers and businesses when they're making a payment to a BSB and account number.
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’re sending money using a BSB and account number, Confirmation of Payee checks if the account details held by the recipient’s bank matches the account name, BSB, and account number you’ve entered.
You’ll be shown if it’s a match, a close match, a no match or if there is an error. That important information can help you decide whether you need to go back and check your details again, or if you feel comfortable to proceed with the payment.
There are four possible match outcomes. Each result gives you a chance to make an informed decision about what action to take next.
The account details you entered match the bank records of the intended recipient, and the recipient's name will be displayed.
The account details you entered closely match the bank records of the intended recipient, and the recipient's name will be displayed.
The account details you entered do not match the bank records of the intended recipient. The recipient's name will not be displayed unless it is a business or government organisation.
The service could not confirm the account details you entered match.
Confirmation of Payee matches the bank account details you've entered with the account details held by the recipient's bank and displays a match outcome, helping you avoid mistaken payments.
Confirmation of Payee can help protect you from scams and mistaken payments by matching the account details you've entered with the account details held by the recipient's bank.
Feel more confident that your money is going where you intend it to, with Confirmation of Payee.
Confirmation of Payee will be available in 2025.
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®.
You don’t need to do anything. Confirmation of Payee will be available in Internet Banking and the QBANK App.
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 you enter against the account name, BSB and account number 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.
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 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 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.
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 may be made depending on the financial institution.
Yes. Confirmation of Payee will never stop you from completing a payment.
You are responsible for ensuring that payments are made to the correct account to reduce the risk of a scam or mistaken payment. You will be liable for losses arising from a mistaken payment or misdirected payment you or your signatory makes to a third party, and it is not possible for us to recover those funds from the unintended recipient.
Sharing your account name, BSB and account number of your bank account may avoid confusion or potential delays when a payer wishes to make a payment to you.
You can find your account name in your bank statement, internet banking and QBANK App.
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.
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 13 77 28.
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 Members 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 13 77 28.
To ensure your name is accurate in the Confirmation of Payee service, please complete our Change of Name Request form and return to us via the following methods:
For any other enquiries please get in touch.
BPAY and Osko are registered trade marks of BPAY Pty Ltd ABN 69 079 137 518
eftpos is a registered trade mark of eftpos ABN 37 136 180 366
PayID and PayTo are registered trade marks of NPP Australia Ltd ABN 68 601 428 737
