Post Office Bank (Capital One) credit card-making a payment(s) to clear balance using online banking

MalMonroe

Hi, can't you just call them? https://www.capitalone.co.uk/postoffice/contact-us

For what it's worth, my current account is with Nationwide and when I've been making payments, if the name of the payee does not match exactly with that payee's account number and sort code, they come back to me for clarification.

Last time it was when I paid a businesswoman in her married name but she'd changed her last name since the last time I paid her and I didn't know but she was back to using her maiden name (although she has been divorced for a number of years now).

Nationwide picked that up, didn't process the payment and queried it. As soon as I changed her name to what it is now, the payment was made. I can't be the only Nationwide customer to have to go through that, can I? But if I am, why?

I don't think it's a bad thing. If you need to know exactly what to put, why not give CO/PO a ring? 

OceanSound

born_again said:

OceanSound said:

Attempting to make a payment to Post Office Bank (Capital One) credit card using nationwide bank mobile app. 

I had a look on Post Office Bank (Capital One) credit card statement. It has account number and sort code. But the name of the payee is not clear. 

It say's provide your bank with 'Capital One's details....' then goes on to list the account number and sort code.

When it came to entering these on nationwide app. I entered 'Capital One' (without quotes) for payee first. The nationwide app checked the name, account number and sort code then said no match found. I then entered 'CapitalOne' (whtout quotes). That wasn't found either.

Would have figured the payee name is a key bit of information to provide customers. yet it's not on the statement. 

I've now made a payment for  £1.00 with payee name 'Capital One'. 

Anyone know the exact payee name? Is it on the post office website? I cannot see it anywhere.

edit: I suppose I could pay using debit card as an alternative. Still curious to know what the exact payee name is, so others can enter it when making payments and get exact match (if that is possible).

edit2: I'm aware that the name does not matter when it comes to payment going through. It's only used by nationwide to check it against the account number and sort code. Still it'll be good to see confirmation.

COP will not always find a internal bank accounts. Which this is. 

40-02-50 sort is actually a HSBC one as well.

Best bet send £1 & see if it gets there. If it does then you know it's good for more ££.

Logged in to the Post Office (Capital One) online banking website a few hours later after making the £1  payment and it was showing as a 'pending' transaction. So, no need to wait 2 working days.

I also made a debit card payment of £2.00 using chase debit card yesterday. When i log in to the Capital One app (where I've added this post office bank credit card), I can see that the £1 transaction has now been committed and my balance updated accordingly, however, the £2.00 debit card payment is nowhere to be seen.
I guess that will appear tomorrow (2 working days).

As a forumite suggested before, I may wait until tomorrow and see how the payee name appears on the chase app recent transactions, for future reference. Although, I can now use nationwide bank to make further payments as I know yesterday's online payment went through fine (and the payee is setup so no need to setup a new payment using card reader again!).

MalMonroe said:

Hi, can't you just call them? https://www.capitalone.co.uk/postoffice/contact-us

For what it's worth, my current account is with Nationwide and when I've been making payments, if the name of the payee does not match exactly with that payee's account number and sort code, they come back to me for clarification.

Last time it was when I paid a businesswoman in her married name but she'd changed her last name since the last time I paid her and I didn't know but she was back to using her maiden name (although she has been divorced for a number of years now).

Nationwide picked that up, didn't process the payment and queried it. As soon as I changed her name to what it is now, the payment was made. I can't be the only Nationwide customer to have to go through that, can I? But if I am, why?

I don't think it's a bad thing. If you need to know exactly what to put, why not give CO/PO a ring? 

There is also an option to contact via website secure messaging: 
https://www.capitalone.co.uk/postoffice/contact-us

"Online messageTo send us a secure message go to the Help menu of your online account."
Although calling would be the most appropriate if I need immediate clarification. Thankfully, my 0% interest on purchases offer ends on 13 November (I think, because that's when the account was opened - and the offer was 12 months 0% interest on purchases. My last statement issued on 06 November 2022 strangely enough has no indication about the 0% offer end date and says my next month's interest will be £0.00. - I doubt this. I will probably start incurring interest from 13 November!!), and I always look at clearing the balance about a week beforehand in preparation for contingencies like this. 

Edit: When I login to Chase app now the £2.00 debit card payment is showing under 'All activity' as Capital One Europe. 

penners324

As it's a Post Office credit card, use Post Office as the payee

[Deleted User]

penners324 said:

As it's a Post Office credit card, use Post Office as the payee

It's a white label product; although it's Post Office branded it is essentially a Capital One card and it's likely that operational stuff reflects that.  

OceanSound

Nebulous2 said:

Try a debit card payment, even a token one, and see where your bank app / statement says the money went? 

Then use that as payee.... 

This morning I used the Nationwide app to setup a new payment with payee name Capital One Europe (as that is what is showing on the Chase bank app for the debit card payment). Nationwide app said 'Matching Payee found  The details you have entered (sort code, account number & reference) match someone you've paid before. Would you like to use the existing payee? Then it had the details. 

There was an option to 'USe the payee details above' or I could cancel. On hindsight I should have cancelled, deleted the payeee and tried to setup a new payee. However, I went ahead with another token payment. 

Now when I try to remove the payee (this can only be done using online banking not through the app - and within nationwide online banking the action is called 'Cancel this payee'), error message comes up 'Your payee details have not been cancelled. A payment is due today to this payee'. 

So, I guess I need to 'Cancel this payee' tomorrow and try setup payee again to see if Capital One Europe checks out. 

penners324 said:

As it's a Post Office credit card, use Post Office as the payee

I've now tried token payments with First Direct and RBS Apps. The payments process works a bit differently to Nationwide. 
With First Direct, we type the business name for payee and as we type it suggests businesses. In my case I started typing: 

capital one

and a long list of possibilities come up. The last of which was:

POST OFFICE- CAPITAL ONE MC

40-02-50 81077082

The sort code and account number is what is on my post office (capital one) card statement, so that is what I would need to select. I didn't go ahead with payment on this occasion. Was just doing this to test.

With RBS, similar system to First Direct. This time as you suggested 'Post Office' (I only saw your post after doing the First Direct Payment otherwise I would've done the same for that), I started typing:

Post

and it bought up these two options: 

POST OFFICE M/CARD 5425

POST OFFICE MCARD 518581

In this case I need the last suggestion as my card begins with '518581'. I went ahead with the token payment, as I'm probably gonno be using the RBS current account for future payments. 

Now, I'm thinking with First direct if I had typed 'Post' instead of the long list I probably would've seen the above two options. 

Tomorrow, with nationwide, I will remove the payee (or as nationwide call it 'cancel the payee') then try 'Post Office', 'POST OFFICE- CAPITAL ONE MC', or even 'POST OFFICE MCARD 518581' and see if the confirmation of payee is successful when using nationwide.

flo22

I pay to Post Office Credit Card on 903920 99943016

dr_adidas01

flo22 said:

I pay to Post Office Credit Card on 903920 99943016

That’s because you have the old post office Credit card that used to be supplied by Bank of Ireland UK and is now owned by JaJa Finance as they bought Bank of Ireland UK’s credit card accounts. 

The new post office credit card is run by Capital One. 

OceanSound

Nebulous2 said:

Try a debit card payment, even a token one, and see where your bank app / statement says the money went? 

Then use that as payee.... 

 This worked. Logged in to Nationwide online banking this morning. Cancelled the payee (which effectively removes the payee 'Capital One' which I had setup before).

Opened mobile app. First tried payee name: 

POST OFFICE- CAPITAL ONE MC

Confirmation of payment (COP) message 'The payee's name is different from the name on the account you're trying to send money to.....' appeared.

So next I try:

POST OFFICE MCARD 518581

same COP message.

Then I try:

POST OFFICE

again, same COP message

Then I try:

Capital One Europe  

which is the payee name that appeared on the Chase app for the debit card payment.

Then I see the message with a 'tick' mark and text saying:

The name and account details match those held by the account provider.....

With RBS, I reckon although 'POST OFFICE MCARD 518581' is programmed on the front end for us to select, perhaps on the backend their system links that name to Capital One Europe.