Hey there! Ready to simplify your banking? Adding a payee with Nationwide is a straightforward process, whether you prefer the convenience of their mobile app or the classic feel of internet banking. Let's get you set up so you can send money securely and efficiently.
How to Add a Payee with Nationwide: A Step-by-Step Guide
Adding a payee is an essential banking task, allowing you to send money to individuals or businesses. Nationwide makes this process secure and user-friendly. Here's how you can do it:
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| How To Add Payee Nationwide |
Step 1: Choose Your Preferred Banking Method – App or Internet Banking?
Before we dive into the specifics, decide which method you'd like to use. Both are convenient and secure, but the steps differ slightly.
- Mobile Banking App: Ideal for on-the-go payments, quick access, and often features biometric login (fingerprint/Face ID) for speed.
- Internet Banking (Web Browser): Perfect for when you're at your computer, prefer a larger screen, or need to manage more complex transactions.
Once you've made your choice, proceed to the relevant section below.
Reminder: Revisit older posts — they stay useful.
Step 2: Gathering the Essential Payee Details
Regardless of whether you're using the app or internet banking, you'll need the following critical information for the person or company you wish to pay. Having these details ready beforehand will make the process much smoother:
- Full Name of Recipient: This should be the name as it appears on their bank account. For joint accounts, the full name of one account holder is usually sufficient.
- Account Number: The 8-digit bank account number of the payee.
- Sort Code: The 6-digit sort code of the payee's bank.
- Payment Reference (Optional but Recommended): A clear reference helps the recipient identify what the payment is for (e.g., "Rent June," "Birthday Gift," "Invoice #123").
Step 3: Adding the Payee via the Nationwide Mobile Banking App
The Nationwide Banking App is designed for simplicity and speed.
Sub-heading: Logging In and Navigating to Payments
- Open the Nationwide Banking App: Find the app icon on your smartphone or tablet and tap to open it.
- Log In Securely: You'll be prompted to log in using your passnumber, fingerprint (Touch ID), or facial recognition (Face ID), depending on your device's capabilities and your setup.
- Access Payments: Once logged in, look for a "Payments" or "Pay or move money" option. This is usually prominently displayed on the home screen or within a main menu (often in the top right corner).
Sub-heading: Entering Payee Details
- Select "Pay New": Within the "Payments" section, you'll likely see options like "Choose who to pay" or "Pay someone new." Select the option to add a new payee.
- Choose Payment Type: The app may ask if you're paying a "person" or a "company." Select the appropriate option.
- Input Details: Carefully enter the payee's full name, account number, and sort code into the designated fields. Double-check for any typos!
- Confirmation of Payee (CoP): Nationwide employs the Confirmation of Payee service. After you enter the details, the system will check if the name you provided matches the account holder's name. You'll typically see a message confirming if it's a match, a partial match, or no match. Always proceed with caution if there isn't a full match.
- Enter Amount and Reference: Now, input the amount you wish to send. You can also add a payment reference here.
- Set Payment Date (Optional): You can choose to send the payment immediately or set it for a future date (up to 31 days in advance).
Sub-heading: Reviewing and Confirming the Payment
- Review All Details: Before finalising, the app will show you a summary of the payment details. This is your last chance to catch any errors. Check the payee's name, account number, sort code, amount, and reference.
- Confirm Payment: If everything looks correct, select "Confirm" or "Make Payment."
- Authorise the Transaction: For security, you'll likely need to re-enter your passnumber, use your fingerprint, or Face ID to authorise the payment.
- Payment Confirmation: You'll receive a confirmation that the payment has been sent. You often have the option to share or save a payment receipt.
Step 4: Adding the Payee via Nationwide Internet Banking
For those who prefer a desktop or laptop experience, Nationwide's Internet Banking is equally robust.
Tip: Focus more on ideas, less on words.
Sub-heading: Logging In and Accessing Payments
- Go to the Nationwide Website: Open your web browser and navigate to the official Nationwide website (nationwide.co.uk).
- Log In to Internet Bank: Look for the "Log In" or "Internet Banking" button, usually found in the top right corner of the homepage.
- Enter Your Credentials: You'll need to enter your login details (e.g., customer number, memorable data, and password).
- Find Payments & Transfers: Once logged in, navigate to the "Payments & transfers" section. This is typically a prominent tab or menu option.
Sub-heading: Entering Payee Information
- Select "Pay Someone New": Within the "Payments & transfers" section, locate and click on "Pay someone new."
- Input Payee Details: Carefully type in the payee's full name, account number, and sort code.
- Confirmation of Payee (CoP): Similar to the app, the internet banking system will perform a Confirmation of Payee check to verify the name against the account details. Pay close attention to the result.
- Enter Amount and Reference: Specify the amount you wish to send and add a clear payment reference.
- Choose Payment Date: You can elect to send the payment immediately or schedule it for a future date (typically up to 31 days ahead).
Sub-heading: Authorising the Payment with Your Card Reader (if required)
- Review and Proceed: A summary of the payment will be displayed. Take a moment to carefully review all the details. If correct, click "Continue" or "Make a payment."
- Card Reader Authentication (Potentially): For new payees or larger payments, Nationwide Internet Banking often requires you to use your card reader for an additional layer of security.
- You'll be prompted to insert your debit card into the card reader.
- Enter your PIN into the card reader.
- The screen will display a code, which you then enter into the corresponding field on your computer screen.
- You may also receive a call from Nationwide asking you to enter a 4-digit number displayed on your screen into your phone. This is another security measure.
- Payment Confirmation: Once authorised, you'll receive a confirmation message that your payment has been successfully processed.
Step 5: Verification and Future Payments
Congratulations! You've successfully added a payee.
- Initial Payment Hold (Potentially): For your very first payment to a new payee, especially if it's a significant amount, Nationwide may temporarily hold the funds or apply a lower limit (e.g., £25,000 per day for new payees online) for security checks. This is a standard fraud prevention measure.
- Faster Payments Service: Most UK bank transfers through Nationwide use the Faster Payments service, meaning the money should arrive instantly or within two hours.
- Future Payments: Once a payee is added, they will be saved in your list of payees, making future payments to them much quicker and easier – you won't need to re-enter all their details again.
Frequently Asked Questions (FAQs)
Here are 10 related "How to" questions with quick answers to help you navigate Nationwide payments:
How to check if my payee has received the money?
Most UK bank transfers via Nationwide's Faster Payments system are instant or arrive within 2 hours. You can check your account statement in the app or online to see if the payment has left your account. If the recipient confirms they haven't received it after 2 hours, contact Nationwide.
QuickTip: A careful read saves time later.
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How to change an existing payee's details in Nationwide?
Log in to your Nationwide app or Internet Bank, navigate to your list of payees, select the payee you wish to amend, and you should find an option to "Edit" or "Amend details." Be prepared for security checks.
How to set up a standing order to a new payee with Nationwide?
First, add the payee as described in the guide. Once the payee is saved, you can then set up a standing order to them by selecting them from your payee list and choosing the "Set up Standing Order" option, where you'll define the amount, frequency, and start date.
How to make an international payment with Nationwide?
For international payments, you'll typically need the recipient's full name and address, their International Bank Account Number (IBAN), and their bank's SWIFT/BIC code. Nationwide's Internet Banking allows international payments, and you may need your card reader. There might be different limits and fees compared to UK payments.
Tip: Read actively — ask yourself questions as you go.
How to find Nationwide's daily payment limits?
Nationwide has daily payment limits that vary depending on whether you're paying a new payee, an existing one, or if you're making the payment online or in a branch. You can find up-to-date limits on the Nationwide website under their "Payment and Transfer Limits" section or within the app when initiating a payment. Generally, online payments to new payees are limited to £25,000 per day.
How to cancel a pending payment in Nationwide?
If a payment is set for a future date, you can usually cancel it up to 10 pm on the working day before it's due to leave your account via the app or Internet Bank. Once a Faster Payment has been sent, it generally cannot be cancelled or reversed.
How to get a payment receipt from Nationwide?
After completing a payment in the Nationwide app, you often have the option to "Share" or "Save" a payment receipt directly from the confirmation screen. In Internet Banking, you can usually view transaction details and print or save the screen as a receipt.
How to ensure my payment is secure with Nationwide?
Nationwide uses various security measures, including Confirmation of Payee (CoP) to verify recipient details, multi-factor authentication (passnumber, fingerprint, Face ID, card reader codes), and secure online platforms. Always ensure you're using the official Nationwide app or website and never share your security details.
How to resolve a payment sent to the wrong account with Nationwide?
If you've sent money to the wrong account, contact Nationwide immediately. While it's difficult to recover funds once sent, they have a "credit payment recovery" process and will attempt to contact the receiving bank to reclaim the funds.
How to pay a Nationwide mortgage or credit card account?
You can set up your Nationwide mortgage or credit card as a payee from your own Nationwide current account, or from an external bank account. For a mortgage, you'll typically use sort code 07-00-94 and account number 44444445, along with your full mortgage account number as the reference. For a credit card, use sort code 07-30-12 and account number 00001604, with your 16-digit credit card number as the reference.
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