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Bank transfer verification

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  • colsten
    colsten Posts: 17,597 Forumite
    10,000 Posts Seventh Anniversary Photogenic Name Dropper
    edited 9 January 2021 at 10:49PM
    Armorica said:
    colsten said:
    Armorica said:
    Put your name.
    If that doesn't work, ring up Santander and Barclaycard and annoy them until you get an answer. 

    colsten - the OP is asking about the account name, not the reference field/card number.  COP is first and foremost a name-check service. (Although I didn't think HOCA/utility/credit card accounts were included in the current COP phase)
    Ringing Santander and Barclaycard “to annoy them” is the most unconstructive advice I have seen on this forum. 


    I've seen other advice on the forum and think that's unlikely. I do accept it might have been a bit too informal/shorthand - but the serious point is to press for the information that the banks should be capable of providing.

    How on earth would any bank be able to confirm that a payment to a sort code, account number and reference number would actually be a payment for a given Barclaycard account? CoP does not check reference numbers. 

    As mentioned several posts back, if someone wants to be sure they are paying their Barclaycard (or other credit card), they can pay with their debit card, or by DD. 

    Calling banks [or anyone] "to annoy" them is really unconstructive.
  • flo22
    flo22 Posts: 365 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Banks check (should check) the Biller database, if the sort code and account number matches a Barclaycard one or the customer input Barclaycard in the payee name then the bank knows that it is for Barclaycard.
    30+ years working in banking
  • schiff
    schiff Posts: 20,256 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I've got loads of payees on my Santander account and very few of them have a title that corresponds exactly to the destination. For instance each Virgin Regular Saver has its own title. If you are VERY careful to make sure that the sort code, account number and reference (if any) are correct, overriding is the answer.
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