Confirmation of Payee - frequently asked questions

Confirmation of Payee (CoP) is an industry-wide service and an initiative of Australian Payments Plus (AP+) and the Australian Banking Association (ABA).

Confirmation of Payee is an additional check completed when payments are sent to another bank using account number and BSB.

It works by checking that the account name entered for the payment matches the details held by the receiving bank.

We will be rolling out CoP in a phased manner.

From February 2026, your account number, BSB and account name will be used to provide these prompts to people who bank elsewhere when they attempt to send money to your [People’s Choice] account.

All CoP data is securely passed between banks to keep your information safe.

Note: If you have a personal account then your full account name will not be displayed to the payer if the name check results in ‘No-Match’.

If you have a business account, then the full account name associated with the account will be displayed to the payer even if the account name check results in ‘No-Match’.

In some limited and very specific circumstances, eligible customers can request to opt out of the CoP service.

If your request to opt out is approved, your account name and match result won’t be shown to people who send you money.

If you’d like to find out more about opting out, you can drop into your local branch or give us a call on 13 11 82 24 hours a day, 7 days a week.