Santander - New UI for paying existing payee

pafpcg

RG2015 said:

Frogletina said:

I have not tried this myself, but I'm sure I read that someone on MSE uses the CoP to identify that they have the correct account and once confirmed they amend the payee to the name that they want to use.

I cannot comment on Santander but NatWest allow this. In fact, once an account name has been verified, you are asked what name you would like to give the account.

I can confirm that it works for Santander accounts - I use that facility too.

RG2015

Deleted_User said:

RG2015 said:

Frogletina said:

I have not tried this myself, but I'm sure I read that someone on MSE uses the CoP to identify that they have the correct account and once confirmed they amend the payee to the name that they want to use.

I cannot comment on Santander but NatWest allow this. In fact, once an account name has been verified, you are asked what name you would like to give the account.

Just to clarify the details. Clearly, when setting up a new payee, to use CoP you have to enter the correct name on the receiving account. Having done that, are you saying that Natwest then says words to the effect: "What do you actually want to call this payee?" and you can respond with any characters that you like? For example could you put "My account with Coventry BS"? And from then on when you view your list of payees this one be shown as "My account with Coventry BS"" rather than the CoP verified name?

Further, is there a dialogue that you can subsequently use to change that payee name to something else? If so, that's extremely useful and sounds like a good implementation of the "nickname" facility I want to use.

1) Yes, you can call it what you like, although this is limited to 18 characters.
2) You can only edit the payee reference, not the payee name (given name).

kaMelo

Deleted_User said:

RG2015 said:

Frogletina said:

I have not tried this myself, but I'm sure I read that someone on MSE uses the CoP to identify that they have the correct account and once confirmed they amend the payee to the name that they want to use.

I cannot comment on Santander but NatWest allow this. In fact, once an account name has been verified, you are asked what name you would like to give the account.

Just to clarify the details. Clearly, when setting up a new payee, to use CoP you have to enter the correct name on the receiving account. Having done that, are you saying that Natwest then says words to the effect: "What do you actually want to call this payee?" and you can respond with any characters that you like? For example could you put "My account with Coventry BS"? And from then on when you view your list of payees this one be shown as "My account with Coventry BS"" rather than the CoP verified name?

Further, is there a dialogue that you can subsequently use to change that payee name to something else? If so, that's extremely useful and sounds like a good implementation of the "nickname" facility I want to use.

RBS, NatWest and Ulster, once you have gone through CoP you get to give it the name you want to see in your payee list (rather than just the name used for CoP) although limited to 18 characters. This is the screen after CoP confirmation has taken place.




Once set up you can change the reference field but not the payee name.

I did point this out in your previous thread in August.
https://forums.moneysavingexpert.com/discussion/comment/78570755#Comment_78570755

kaMelo

Deleted_User said:

RG2015 said:

Deleted_User said:

RG2015 said:

Frogletina said:

I have not tried this myself, but I'm sure I read that someone on MSE uses the CoP to identify that they have the correct account and once confirmed they amend the payee to the name that they want to use.

I cannot comment on Santander but NatWest allow this. In fact, once an account name has been verified, you are asked what name you would like to give the account.

Just to clarify the details. Clearly, when setting up a new payee, to use CoP you have to enter the correct name on the receiving account. Having done that, are you saying that Natwest then says words to the effect: "What do you actually want to call this payee?" and you can respond with any characters that you like? For example could you put "My account with Coventry BS"? And from then on when you view your list of payees this one be shown as "My account with Coventry BS"" rather than the CoP verified name?

Further, is there a dialogue that you can subsequently use to change that payee name to something else? If so, that's extremely useful and sounds like a good implementation of the "nickname" facility I want to use.

1) Yes, you can call it what you like, although this is limited to 18 characters.
2) You can only edit the payee reference, not the payee name (given name).

OK, so unfortunately it's not useful  to me because:

1 You cannot change the Payee Names which I need to do as they are mostly "My Name", but I want to have a field like "Nickname" which shows me to which of my accounts the payment is being sent. Currently most of my Santander Payees are:

My Name

My Name

...

My Name

and that makes it almost impossible to select the correct payee seeing My Name appear against pretty much every payee name. It's not only useless for trying to pick out the correct Payee from the list but it's also useless because the formal statements I receive monthly will be filled with transactions looking like this:

Transfer to My Name £xxx

Transfer to My Name £yyy

...

Transfer to My Name £zzz

I want to know to WHICH OF MY ACCOUNTS the payments go but Santander won't tell me unless I bypass CoP.

2. From what you say it looks like the 18 characters you refer to will be entered into the Reference field. Note that contrary to the belief of many in this thread, the Reference is not always available to enter whatever you want. For many of my payments the Reference field needs to filled with the account code I am paying. Hence the Reference is not available to me for anything else.

The bottom line is that with Santander payments I cannot use CoP. Instead I revert to the pre CoP "£1initial payment pantomime" which I have been using for years and it totally bypasses CoP because I refuse to have most of my Payee Names shown only as "My Name" .

No, look at the picture I attached above. You get to enter whatever name you want (for example, "kaMelo_VMHBRSv8" tells me it's a payment to Virgin Money Hombuyer Regular Saver v8. This is the name that appears on my payee list and on my statement. In addition to this you can enter a reference if you want/need to do so as well.  The only restriction is the name and reference are both limited to 18 characters.

RG2015

kaMelo said:

Deleted_User said:

RG2015 said:

Deleted_User said:

RG2015 said:

Frogletina said:

I have not tried this myself, but I'm sure I read that someone on MSE uses the CoP to identify that they have the correct account and once confirmed they amend the payee to the name that they want to use.

I cannot comment on Santander but NatWest allow this. In fact, once an account name has been verified, you are asked what name you would like to give the account.

Just to clarify the details. Clearly, when setting up a new payee, to use CoP you have to enter the correct name on the receiving account. Having done that, are you saying that Natwest then says words to the effect: "What do you actually want to call this payee?" and you can respond with any characters that you like? For example could you put "My account with Coventry BS"? And from then on when you view your list of payees this one be shown as "My account with Coventry BS"" rather than the CoP verified name?

Further, is there a dialogue that you can subsequently use to change that payee name to something else? If so, that's extremely useful and sounds like a good implementation of the "nickname" facility I want to use.

1) Yes, you can call it what you like, although this is limited to 18 characters.
2) You can only edit the payee reference, not the payee name (given name).

OK, so unfortunately it's not useful  to me because:

1 You cannot change the Payee Names which I need to do as they are mostly "My Name", but I want to have a field like "Nickname" which shows me to which of my accounts the payment is being sent. Currently most of my Santander Payees are:

My Name

My Name

...

My Name

and that makes it almost impossible to select the correct payee seeing My Name appear against pretty much every payee name. It's not only useless for trying to pick out the correct Payee from the list but it's also useless because the formal statements I receive monthly will be filled with transactions looking like this:

Transfer to My Name £xxx

Transfer to My Name £yyy

...

Transfer to My Name £zzz

I want to know to WHICH OF MY ACCOUNTS the payments go but Santander won't tell me unless I bypass CoP.

2. From what you say it looks like the 18 characters you refer to will be entered into the Reference field. Note that contrary to the belief of many in this thread, the Reference is not always available to enter whatever you want. For many of my payments the Reference field needs to filled with the account code I am paying. Hence the Reference is not available to me for anything else.

The bottom line is that with Santander payments I cannot use CoP. Instead I revert to the pre CoP "£1initial payment pantomime" which I have been using for years and it totally bypasses CoP because I refuse to have most of my Payee Names shown only as "My Name" .

No, look at the picture I attached above. You get to enter whatever name you want (for example, "kaMelo_VMHBRSv8" tells me it's a payment to Virgin Money Hombuyer Regular Saver v8. This is the name that appears on my payee list and on my statement. In addition to this you can enter a reference if you want/need to do so as well.  The only restriction is the name and reference are both limited to 18 characters.

I must say you are exhibiting admirable persistence in the face of extraordinary resistance.

Daliah

I can't think of any really compelling reason why anyone would want to change the payee name once you have set it up, so I don't understand where the requirement to change the payee name [on existing payee records]  would come from.

If you have made an error, just delete the payee and set it up again with correct details. Problem solved.

[Deleted User]

Thrugelmir said:

Deleted User said:

Deleted_User said:

AlwaysLearnin said:

I regularly change the reference field for one of my payees (to quote an invoice reference) when making a payment via the app.  The most recent reference is retained/shown in the payee list.

For some payees the Reference field may have a mandatory code in it to enable the payment to reach the correct account. Under those circumstances you can't then alter the contents to hold an invoice number or anything else. This is where it will be useful to have an optional field for you to enter that information

In these cases, the Building Society has opted to have account numbers that don't conform to industry standards i.e. eight digits along with a six digit sort code. 

Building societies operate outside the clearing bank system. Always have done. However they will use a clearing bank themselves to process transactions. 

No, it's a matter a scale - Nationwide Building Society doesn't rely on 'clearing banks' for it's FPs / BACS or cheques.

If the small Fintechs can use industry standard sort codes / account numbers, then Building Societies can also do so directly or via sponsor bank just like they do. Not wanting to do something is different than opting not to do something. 

RG2015

Deleted User said:

Thrugelmir said:

Deleted User said:

Deleted_User said:

AlwaysLearnin said:

I regularly change the reference field for one of my payees (to quote an invoice reference) when making a payment via the app.  The most recent reference is retained/shown in the payee list.

For some payees the Reference field may have a mandatory code in it to enable the payment to reach the correct account. Under those circumstances you can't then alter the contents to hold an invoice number or anything else. This is where it will be useful to have an optional field for you to enter that information

In these cases, the Building Society has opted to have account numbers that don't conform to industry standards i.e. eight digits along with a six digit sort code. 

Building societies operate outside the clearing bank system. Always have done. However they will use a clearing bank themselves to process transactions. 

No, it's a matter a scale - Nationwide Building Society doesn't rely on 'clearing banks' for it's FPs / BACS or cheques.

If the small Fintechs can use industry standard sort codes / account numbers, then Building Societies can also do so directly or via sponsor bank just like they do. Not wanting to do something is different than opting not to do something. 

This is a good point. Building Societies have a few options but it is their choice.

Some have chosen the clearing bank account route, with or without their own sort code, but most have remained in the traditional roll number system.

Either way, it is a commercial decision not one of conforming with a banking industry standard when they are not a bank.

Indeed, they are conforming with the Building Society industry standard by not changing.

pafpcg

Deleted_User said:

RG2015 said:

Deleted_User said:

RG2015 said:

Frogletina said:

I have not tried this myself, but I'm sure I read that someone on MSE uses the CoP to identify that they have the correct account and once confirmed they amend the payee to the name that they want to use.

I cannot comment on Santander but NatWest allow this. In fact, once an account name has been verified, you are asked what name you would like to give the account.

Just to clarify the details. Clearly, when setting up a new payee, to use CoP you have to enter the correct name on the receiving account. Having done that, are you saying that Natwest then says words to the effect: "What do you actually want to call this payee?" and you can respond with any characters that you like? For example could you put "My account with Coventry BS"? And from then on when you view your list of payees this one be shown as "My account with Coventry BS"" rather than the CoP verified name?

Further, is there a dialogue that you can subsequently use to change that payee name to something else? If so, that's extremely useful and sounds like a good implementation of the "nickname" facility I want to use.

1) Yes, you can call it what you like, although this is limited to 18 characters.
2) You can only edit the payee reference, not the payee name (given name).

...........
...........
The bottom line is that with Santander payments I cannot use CoP. Instead I revert to the pre CoP "£1initial payment pantomime" which I have been using for years and it totally bypasses CoP because I refuse to have most of my Payee Names shown only as "My Name" .

I'm not going to argue with you about how you want to operate your own account with Santander, but for the benefit of anyone else who reads this thread and draws the wrong conclusion from your claim "with Santander payments I cannot use CoP": 

No, when setting-up a new payee on a Santander bank account, it's perfectly possible to use the CoP facility and then change the payee name to whatever you want.

• Open the form for setting-up a new payee and enter the expected name on the payee's account together with the sort-code and account number.
• Check the payee's details using the CoP facility.
• If the CoP facility confirms the payee name matches the sort-code and account number, then (rather than clicking on 'Continue'), reverse out by clicking on the 'Back' button which will take you back to the initial payee set-up form.
• On the payee set-up form, leave the sort-code and account number unchanged, but type in the payee name that you require and re-run the 'Check payee details'.
• This time the CoP facility will display the warning that there's no match found.
• You know that the sort-code and account number are correct from the previous CoP check, so click on the 'Continue' button and proceed through set-up.

RG2015

pafpcg said:

Deleted_User said:

RG2015 said:

Deleted_User said:

RG2015 said:

Frogletina said:

I have not tried this myself, but I'm sure I read that someone on MSE uses the CoP to identify that they have the correct account and once confirmed they amend the payee to the name that they want to use.

I cannot comment on Santander but NatWest allow this. In fact, once an account name has been verified, you are asked what name you would like to give the account.

Just to clarify the details. Clearly, when setting up a new payee, to use CoP you have to enter the correct name on the receiving account. Having done that, are you saying that Natwest then says words to the effect: "What do you actually want to call this payee?" and you can respond with any characters that you like? For example could you put "My account with Coventry BS"? And from then on when you view your list of payees this one be shown as "My account with Coventry BS"" rather than the CoP verified name?

Further, is there a dialogue that you can subsequently use to change that payee name to something else? If so, that's extremely useful and sounds like a good implementation of the "nickname" facility I want to use.

1) Yes, you can call it what you like, although this is limited to 18 characters.
2) You can only edit the payee reference, not the payee name (given name).

...........
...........
The bottom line is that with Santander payments I cannot use CoP. Instead I revert to the pre CoP "£1initial payment pantomime" which I have been using for years and it totally bypasses CoP because I refuse to have most of my Payee Names shown only as "My Name" .

I'm not going to argue with you about how you want to operate your own account with Santander, but for the benefit of anyone else who reads this thread and draws the wrong conclusion from your claim "with Santander payments I cannot use CoP": 

No, when setting-up a new payee on a Santander bank account, it's perfectly possible to use the CoP facility and then change the payee name to whatever you want.

• Open the form for setting-up a new payee and enter the expected name on the payee's account together with the sort-code and account number.
• Check the payee's details using the CoP facility.
• If the CoP facility confirms the payee name matches the sort-code and account number, then (rather than clicking on 'Continue'), reverse out by clicking on the 'Back' button which will take you back to the initial payee set-up form.
• On the payee set-up form, leave the sort-code and account number unchanged, but type in the payee name that you require and re-run the 'Check payee details'.
• This time the CoP facility will display the warning that there's no match found.
• You know that the sort-code and account number are correct from the previous CoP check, so click on the 'Continue' button and proceed through set-up.

I understand this, however it falls short of the NatWest facility. NatWest registers that the payee name is confirmed and it shows this on the payee list irrespective of what the payee name field shows on the list.