Confirmation of Payee

We’re delivering the CoP capability in a phased approach. We’re already verifying your account details with a payer’s financial institution and when available, when you create a new payee via online banking, we’ll show you if the payee's account details are a match, close match, no match or an error.

You don’t need to do anything to activate CoP. A CoP check will automatically run when you create a new payee, and typically every six months when making a payment to an existing payee.

A CoP check will automatically happen when you create a new payee  using a BSB and account number. We’ll also periodically reconfirm the details of existing payees (typically every six months) when you make a payment to them. In this case, you’ll see one of the match outcomes displayed and be asked whether you’d like to proceed with the payment. If the payee’s details are incorrect, or you receive an error, you can update them by deleting the payee and creating a new one with the correct information.

Yes, you can still proceed with a payment regardless of the CoP match results, except when the response is Account not active, which indicates the account is closed or when the response is No account found, which indicates that the account details may be incorrect or invalid.

We encourage you to stay alert to potential scams and always verify who you’re paying. Payments made in error or due to scams may not be recoverable. Visit our security page for more information on how to stay safe from scams and fraud.

When someone makes a payment to you, your account name will only be shown if the name they enter is a match or close match.  To protect your privacy, if the details don’t match, your name won’t be displayed.

For joint accounts, only the name(s) entered by the payer will be shown, along with an indication that there are additional account holders (e.g. “and others”). The names of other account holders will not be displayed.

If you have a business account, your account name will be shown to the payer regardless of the match outcome.

If you’ve updated your legal name, please contact us so we can update it in our system. Once your name has been updated, it will automatically be reflected in any future CoP checks.

If someone is trying to pay you and gets a ‘no match’ or ‘error’ outcome, ask the payer to enter your full account name exactly as it’s recorded with AMP Bank, including any middle names that are part of your account name.

They should also double check the spelling and formatting of the name, as even small differences can affect the CoP result. The name must match exactly with the details held by AMP Bank to return a successful match.

If you’re still experiencing issues, please contact us. 

If you’re trying to pay someone and get a ‘no match’ or ‘error’ outcome, double check the account name, BSB, and account number with the intended recipient to ensure all details are correct.Even small errors in spelling or formatting can affect the CoP result.

We also encourage you to stay scam aware and take steps to confirm the identity of the person you're paying. Payments made in error or due to scams may not be recoverable.

If you are still experiencing issues, please contact us.

In some limited circumstances you can opt out of having your account details verified by other financial institutions. If you do, then your account details will not be verified to indicate a match outcome, which could impact the likelihood of a payer making a payment to you. However, we may still need to verify your account details with government agencies, for the purpose of them making a payment to you.

To opt out, or understand the opt out process, eligibility and implications, please contact us. If you’ve previously opted out, you can opt back in at any time by contacting us.

You can find out more about CoP by visiting Australian Payments Plus or view our terms and conditions: