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Confirmation of Payee: the name check
When you set up a new payment, your bank may check the name you entered against the account holder. This simple check stops many mistakes and scams, but only if you take it seriously.
What it is
Confirmation of Payee (CoP) is a UK name-checking service. When you enter the sort code, account number and the name of the person or business you are paying, your bank asks the recipient's bank whether those details match. Pay.UK oversees the service, and coverage has been extended to more banks and building societies over time, so not every account offers it yet.
The possible results
| Result | Meaning | What to do |
|---|---|---|
| Match | Name and account type fit the account | Likely fine, but still be wary of scams |
| Close match | Name is similar to the account holder's; the service shows the actual name | Correct it and retry, or check with the recipient before paying |
| No match | The name does not match | Stop and verify before going further |
| Unavailable | The name cannot be checked, for example because the other bank has not enabled the service | Take extra care and verify independently |
Personal or business?
You may be asked to choose between personal and business account. Choose the right one: an incorrect choice may cause a no match. A business may have a trading name that differs from its registered name.
Why it matters
A match message does not prove the person is who they say they are. Scammers can open accounts in a name that suits them. The check reduces typing mistakes and some fraud where the name on the account is not what the fraudster claimed, such as an invoice supposedly from your builder going to an unrelated name. It is only one safeguard.
Warnings and your rights
If you go ahead after a no match or close match warning, a bank may take that into account when it assesses a later fraud claim, so heed warnings. See APP fraud reimbursement. Never be told by a caller to "ignore the warning, it's just a glitch": that is what scammers say.
What it covers
UK Finance says the service covers UK-based payments, for both personal and business payees. It does not apply to payments abroad, and coverage varies by bank, so check with yours.
Being on the receiving end
If your own name is spelled differently on your account than people write, you may get no match when someone pays you. Tell people to use the exact name on your account. If you run a business, make sure the name on the account is clear on your invoices.
Top tips
- Type the name exactly as the recipient has given it.
- Obtain payment details from a trusted source and confirm by phone.
- Treat any mismatch as a reason to pause.
Related reading: Faster Payments and scams to watch for.
Why banks may still ask questions
Even with a match, a bank can add warnings or ask about the reason for a payment. These are not obstacles but protections, and honest answers help the bank to spot fraud in progress.
This is general information, not financial or legal advice. Rules, limits and fees differ between banks and change over time, so check with your bank and the official sources listed.
Frequently asked questions
Does a match mean the payment is safe?
No. It only shows the name fits the account. Scammers can use accounts in names that match what they tell you.
What should I do after a no match?
Stop, check the details with the recipient using a trusted contact, and do not go ahead unless you are sure.
Does CoP work for international payments?
No. It covers UK-based payments.