Match
The account owner name and account number match information held about the account.
Confirmation of Payee (CoP)
Confirmation of Payee is a service launched by the New Zealand banking industry to help reduce the risk of paying the wrong person.
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Confirmation of Payee at a glance
Confirmation of Payee can help you avoid sending money to the wrong place. Account providers that participate share information through a secure system. When using the BNZ app or Internet Banking to make a payment within New Zealand, the service checks if the account owner name and account number match information held about the account. This can give you more confidence when making payments.
How it works
When you set up a new payee, edit an existing payee, or make a one-off payment, we’ll check if the account owner name and account number match information held about the account.
Based on the result of the check, you can decide whether to make the payment. If you’re not sure, verify the details with the person you’re paying before continuing.
Partial match
The account owner name and account number aren’t an exact match. The name might have a typo or isn’t the exact name of the account owner.
No match
The account owner name and account number don’t match. You may have entered it wrong, or it might not be the account you mean to pay.
Partial or No match results
The Confirmation of Payee check can’t always identify mistakes. If money is sent to the wrong place, it’s unlikely we’ll be able to get it back.
If you get a Partial or No match result, follow the steps below.
1. Verify
Contact the person or business you’re paying to verify their payment details.
2. Double check
Double check that you’ve entered the account owner name and account number correctly.
3. Pause
The service won’t stop you from making a payment, so pause and consider whether you trust that the person you’re paying is legitimate.
Internet access required for online banking and the BNZ app. BNZ Internet Banking terms and conditions apply. Maintenance sometimes required.
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