Confirmation of Payee Service
China Construction Bank (New Zealand) Limited (CCBNZL) has launched the Confirmation of Payee for Internet Banking on 15 April 2025. The service applies to new online domestic payments only.
How Confirmation of Payee works
Paying someone: Confirmation of Payee allows customers to check if the account names and account numbers match before making a payment. This helps to avoid payment to the wrong person and is another layer of protection against fraud and scams. To learn more visit: getverified.co.nz/paying-someone
Getting paid: To get paid quickly and easily, you must provide the right account information. You must now make sure you share the correct number and name registered to your account. To learn more visit: getverified.co.nz/getting-paid
You can learn more about Confirmation of Payee on the GetVerified website: https://www.getverified.co.nz
Confirmation of Payee responses
A check will be conducted when a client initiates a payment and enters the payee’s account holder name, the account number and other information. It will return the following results:
- Match – the payee name and account number match.
- Partial Match – the payee name does not exactly match the actual name on the account, but is close. You may have used a shortened name or made a typo.
- No Match – the payee name and account name don’t match so you may be paying to the wrong account and the funds may not be recovered.
- Account type can’t be checked – the account number you entered is invalid. You may have made a mistake, check again and only continue if you know and trust this payee.
- Can’t check payee details – the payee’s bank is not a participant of the Confirmation of Payee service, continue payment only if you know and trust this payee.
- Can’t check details right now – check is temporarily unavailable due to a technical issue, continue payment only if you know and trust the payee or try again later.
Customer Notices
Payment to a Personal account: When entering the details of the payee, please make sure you have entered the full first and last name as registered on their bank account.
Payment to a Business account: If you are making a payment to a business from your personal account, please enter the business name as registered on their bank account. Some businesses use “Trading As” names so you may need to ask for the correct account details as registered on their bank account.
Double-check the account name and number of the payee before making a payment.
If your information changes, please update your details in a timely manner. Make sure your correct name and account number is provided to the payer.
If the check does not return a Match recheck that you have entered the correct account name and number, or contact the payee to get the right account details. Ask for the correct account details as registered on their bank account.
If you have any questions, please contact us through the following ways:
- Phone: 08002995533 extension 6
- Email: cop_service@nz.ccb.com
If you contact CCBNZL after hours we endeavour to get back to you the following working day.
Frequently Asked Questions (FAQ’s)
The following frequently asked questions (FAQs) provide a detailed overview of how Confirmation of Payee works, its benefits, and what to expect when using the service.
When will I use Confirmation of Payee?
A: Confirmation of Payee will check the account names and numbers before you are making a payment via online banking to New Zealand based accounts.
Which banks have Confirmation of Payee?
A: Confirmation of Payee is available if you are making a payment to the following banks: ANZ, ASB, Bank of China, BNZ, CCB, The Co-operative Bank, Heartland Bank, ICBC, KiwiBank, Rabobank, SBS, TSB and Westpac. Later this year, more banks and payment service providers will also provide the service.
Does the check apply to payees saved in the past?
A: If payees are already saved in your online banking they will not be checked by the Confirmation of Payee service unless you are editing a saved payee.
Can I opt out of Confirmation of Payee?
A: You cannot opt out of using Confirmation of Payee. However, you can choose whether to proceed with the payment after receiving a Confirmation of Payee response.
What should I do if I don’t receive a Match?
A: Contact the person or business you are trying to pay to confirm the correct account name and number registered with their bank. Avoid making payment until you are certain the details entered are correct and you trust the payee.
Are there any fees associated with Confirmation of Payee?
A: There is no additional fee for Confirmation of Payee service.
If you have any other questions that are not covered here, please contact us or visit GetVerified website at https://www.getverified.co.nz/faq
