How to differentiate identical account names (Halifax)

Daliah

Qyburn said:

In Lloyds it also stores the payment reference used last time.  Since these are all payments from myself to myself I use that to name the destination.  So I have a list of payees all called "Mr Qyburn", but the references say things like Marcus, Santander, Virgin ISA etc.

This might be fine for payees for whom you don't need a mandatory Reference, which many smaller banks do. It's also not a system that you can replicate to 100% of all banks and building societies.