Confirmation of Payee

Confirmation of Payee will work for most Australian bank accounts with a BSB and account number. This includes all Great Southern Bank accounts.

No activation is required. The Confirmation of Payee service will automatically apply to payments between Australian banks when you:

• Make a payment to a new payee.
• Add a new payee.

You will receive a message indicating whether there's a match with the account name before you complete the action.

Confirmation of Payee will check account details for all first-time payments or future-dated first-time payments to a BSB and account number. Additional checks may be made depending on the corresponding financial institution.

To avoid potential delays, you should share your correct account name along with your BSB and account number. 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 (e.g. if you have a different registered trading name for a particular part of your business).

Alternatively, you can set up PayID within online banking by registering your phone number, email address, ABN/ACN or organisation name.

See our how-to guide for Sharing your account details.

No, Confirmation of Payee only applies to payments within Australia. It does not cover international or non-AUD payments.

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 they’re a match, a close match, or no 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, the payer will only be shown your account name if the details they have entered are a match or a close match.

The only exceptions to this are business or government organisation accounts. In these cases, the name of the account will be shown to the payer regardless of whether there’s a match or not.

Your account name, BSB and account number are the only details accessed and processed during a Confirmation of Payee check. The service is designed to comply with the Privacy Act, and no personal information is stored by AP+.

In limited circumstances, eligible customers may request to opt 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.

Please note, however, that even if you have opted out, your name may still be displayed to some government agencies for the purpose of making a payment to you.

To understand the opt-out process, please contact us on 133 282 or click the ‘Need help?’ button at the bottom right of your screen to access our Live Chat facility. Business+ customers should use the Live Chat facility in Business+ Online or the Business+ app.

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 making an online payment.

You’re only required to enter the correct name of one account holder. If this results in a match or close match, the payee will be informed that other account holders exist, but their name(s) won’t be displayed for privacy reasons.

Names with special characters such as apostrophes (‘) will still match even if the special characters aren’t entered. For example, the name “O’Brien” can be successfully entered as “O Brien” or “Obrien”.

Similarly, an account name with an ampersand (&) such as ‘Paper & Pen’ can be entered as ‘Paper Pen’.

Perhaps the most common cause of this problem is payers including middle names and titles such as Mr, Mrs, and Dr in the account name. The account name is typically no more or less than the legal first and last names of the account holder.

Similarly, when making payments to businesses, try removing Pty Ltd or using 'TA' instead of 'Trading As' to help with potential character restrictions. If all else fails, please call us on 133 282 so we can help resolve the issue.

Business+ customers should use the Live Chat facility in Business+ Online or the Business+ app.

To update your details, you must complete the Change of Name form and provide a certified copy of any relevant documentation (e.g. a marriage certificate).

If you require any further assistance, please contact us on 133 282 or click the ‘Need help?’ button at the bottom right of your screen to access our Live Chat facility.

Business+ customers should use the Live Chat facility in Business+ Online or the Business+ app.

Yes, you can still proceed with a payment in the event of a ‘No Match’ result. Confirmation of Payee will never stop you from transferring funds - it is there to help guide your decision-making and help reduce the chances of you being scammed.

If a ‘No Match’ result is returned, we recommend you check with the recipient before proceeding with the payment as incorrect payments can be difficult to retrieve.

If the account you are trying to pay in to is closed, the payment will not be processed, and you will need to ask your intended payee for alternative account details.