New payee - confirm details are a match

Hi Monzo team,

I’d like to feedback my experience of adding a new payee to my account.

After adding in their bank details, if the details do not match then a very clear message is shown saying ‘Details do not match, do you wish to go back or proceed anyway?’

However, when the details do match instead of confirming this to the user, an intimidating ‘Is this a scam’ message i shown.

Ideally, at the start I wold find it very reassuring to see a message telling me that the details do match. I’m all for the scam warning, and for the checklist to be shown too - it serves a purpose. But I think it is important to reassure the User that bank details they have entered do match the ones on record too.

Note - other bank’s apps that I use do provide confirmation that details match, before proceeding to the scam warning. I definitely find this a preferable approach.


Just because the details march, doesn’t mean that person isn’t scamming you.

So it’s a double barrel warning to protect you.

Confirmation of payee first to tell you if the account owner is who they say they are.

The next is saying is this person trying to scam you. Whilst inconvenient for 5 seconds of a payment journey, it’s likely made a reduction of fraudulent payments/scams since launch.

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I think my point wasn’t clear.

There is no confirmation that the account details match.

Currently the user is taken straight to the scam warning.


This means the name matched, no concerns, here’s a scam warning too.

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Carl don’t shut down the suggestion. I’d agree with the OP, if there’s no positive confirmation the details match, it’s something Monzo could do better.


Agreed, I have noticed this and by trial and error worked out that this is the case.

A screen confirming that the account details match and then adding (on the same screen or a subsequent one) that you should still be careful of scams would be a great improvement. And a relatively easy change to make.



I completely agree, even if it does match Monzo should tell you it does. It’s caught me out before - I know the details are right but without that confirmation they are I always double check.

I hope you don’t mind but I edited the title a little bit to make it clear what you would like to happen as others might want this too.


I didn’t one bit shut it down. Just explained.

Starling has a nice “details match” page and then give the scam warning.

Though those who can handle different, can understand no name match page = all is well.

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I think this is a pretty sensible suggestion. I don’t think the OP is suggesting any scam warnings are removed in the event details match, but if you are warned the details don’t match it makes sense that you get a little confirmation that details do match as well.

@j06 I don’t know how this has somehow replied directly to you :laughing:

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Simple but key improvement.

Vote from me


Just never been a concern, as CoP exists at Monzo, no CoP prompt = no issue.

Not everyone is the same I agree.

Feels like this is a good one for @giorgio and the core app team. Especially as (I hope) we’ve put forward a compelling case to look again at transfers/payments.


I’ve decided to not be a mood for once and actually (kinda) agree with @Carlo1460! :raised_hands:

I don’t know if anyone remembers back to the controversy of Monzo hiding payee details from incoming payments.

I wonder if the thinking with Monzo’s approach might be similar. One of privacy first and the whole you don’t really need to know ideal.

I’m not sure where I sit on the fence with this, but I have pre existing conflicts with the whole CoP system in the first place. For now I think I line up with the thought that the lack of a confirmation isn’t the issue, but the big scary too many words warning that follows.

I wonder, and maybe @Carlo1460 will know, is Monzo one of the banks that will spot if you’re close and tell you the match anyway? Because if so, then my whole reasoning and opinion can be dismissed because I’ll be swapping to #teamconfirmationplease

And on that note, I’ve just realised I missed the splatfest this weekend. Totally forgot. Bummer. White chocolate won as well! :sob:

I think we’ve had a thread on something similar but firstly, if I’m making a payment I think I do need to know that the details match.

Even if I don’t need to know, as in the previous thread the actual likelihood of you guessing a persons name, and account number is so silly low that privacy really is a minor issue if at all.


Im not sure I’ve ever experienced Monzo do it.

I tested it with a name I recall Starling historically amending:

Cap One

Capital One

Shows the corrected full name when it’s a close enough match, but not if it’s way off.


Oh no, the callback I’m making is for something else that’s a only monzo thing.

Took me a bit to find it but it’s this one:

In that case I’m team confirmation please. So I agree with the others now and not you. Sorry Carlo :cry:

Appreciate you checking though.

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Everyday is a learning day.

I have been lightly pondering whether I would care or not, and given I never send money to anyone I don’t know, pretty much only ever other half, I dont think I’d be a use case for it.

I’m quite money anxious all the time so sending to someone I don’t know just really wouldn’t happen, I’d rather pay and someone pay me back (weird huh?) Even though the end result could also be a loss.

But unless it’s lunch for a homeless person etc I’d never casually buy something for someone I didn’t know, with the expectation of being paid back.

Not sure if that makes sense. Far past bed time :sleeping:


Being as the whole system is designed to be reassuring to the user, it’s weird Monzo decided to leave out the reassuring step.


In the case of when I banked with Monzo I was like you, only the same two people ever really got money and they were saved, so it was an unnecessary step.

However for my “main” account if I’m paying for a tradesman etc and I have bank details, even if they are a match and it says “the details match” it stops me going back and triple checking.

Once, years ago, I was one digit out on my bank details to my payroll department and they paid the totally wrong person (claimed it back and I was given a cheque and a bit of slap on the wrist for it) so since then I’ve always wanted to ensure it’s definitely right.