Verify with Confirmation of Payee

Coming soon

We'll soon be enhancing Bank of Melbourne Verify to include Confirmation of Payee. Confirmation of Payee is a name matching service created by Australian Payments Plus and the Australian Banking Association, to help complete further checks when adding or changing a payee using BSB and Account number.

What is Bank of Melbourne Verify?

When adding a new BSB and account number payee, we’ll do a check to see if the account details you’ve entered have been commonly used, based on payment history available in our systems.

Bank of Melbourne will soon integrate Confirmation of Payee into Bank of Melbourne Verify. This means we will also check the account details you’ve entered against the details held at the payee's bank.

The additional check helps provide you another layer of protection – we’ll display a match outcome to help protect you from mistaken payments and Payment Redirection or Business Email Compromise scams.

What you'll see

We've got history

The account details you’ve entered appear to have been commonly used by Westpac Group customers when making payments to this account.

Is that the right name?

We've not seen the account name (or a variation of) on payments made to this BSB and account number. We recommend calling the payee to confirm the details are correct or check you've not made a typo.

We don't have enough info

We've not seen enough payments from Westpac Group customers to the payee details you've entered. We recommend calling the payee to confirm the details or check you've not made a typo.

There's a problem

We've encountered a technical issue and can’t locate information about this account. You can continue but we recommend you call the payee to confirm the details before proceeding.

Important:

You can still proceed with a payment in any of these scenarios. To be sure though, always speak to the payee first to confirm the account details, as it could be a new account or there may be a typo. You may not get your money back if you pay the wrong person or if it's a scam.

Scams can happen anywhere anytime

Scammers constantly evolve their approach, using different tactics to make you pay, or gain access to your personal or financial information. Remember, a scam can happen to anyone.

Learn about different types of scams

Frequently Asked Questions

Why do I need Bank of Melbourne Verify?

Bank of Melbourne Verify is designed to help prevent payments to incorrect account details and helps protect you from payment redirection scams or mistaken payments.

Payment redirection scams, sometimes called business email compromise scams, occur when scammers send emails or messages asking you to send money to new or updated payee details.

Mistaken payments can occur when you enter incorrect details.

Do I need to activate Bank of Melbourne Verify?

How does Bank of Melbourne check the details?

What happens if I don’t use the correct name?

Will Bank of Melbourne Verify check an existing payee?

Why would a Trust or Business name be coming back as no match?

Bank of Melbourne Verify will check the account name used for other payments we've seen made to the BSB and account number entered. Responses may not take into account where the account is established to accept payments in another name, e.g. the account owner has a registered trading name or trust account.

In these instances, if you have contacted the account owner and verbally confirmed that the payment details are correct, this should provide some confidence in continuing with the payment.

What if I don’t want someone to see my account name for Confirmation of Payee?

In some cases, eligible individual and sole trader customers can request to opt out of Confirmation of Payee by contacting us or visiting us in branch. You can find your nearest branch at bankofmelbourne.com.au/locator.

When opted out, your account name won’t be shown to payers during verification and may lower the payer’s confidence which could impact their decision to proceed with the payment.

Important: Opting out does not apply to certain payments from government agencies, such as welfare or emergency support payments.

You can request to opt back in to sharing your details with the Confirmation of Payee service any time.

The Detail

We will be enhancing Bank of Melbourne Verify to include Confirmation of Payee, an initiative of Australian Payments Plus. Confirmation of Payee is a name matching service to help conduct further checks when adding a payee using BSB and Account number. Bank of Melbourne does not currently provide Confirmation of Payee service. Verify with Confirmation of Payee Terms & Conditions (PDF 108KB) apply.

Bank of Melbourne Verify screening is based on the payment information available in our systems, at the time you add your payee details. As we are unable to validate the account details with the recipient bank, we can’t confirm whether the name and account details are an exact match.

Bank of Melbourne Verify applies to Internet and Mobile Banking only. It may be affected by such things as system outages or limitations, scheduled maintenance or other factors beyond our control, and may not be available at all times.

If your Bank of Melbourne account is compromised as a result of online fraud, we guarantee to repay any missing funds, providing you comply with our Bank of Melbourne Internet Banking Terms and Conditions. This includes keeping your logon details (including passwords, Secure Code) private. You must inform us immediately if you suspect the security of your access details has been compromised, or you suspect an unauthorised transaction or potential fraud on your accounts. Please refer to Bank of Melbourne Internet and Phone Banking Terms and Conditions and Important Information.