For most of the accounts, we need the following details:

• Sort code
• Account number
• Payee’s first and last name

Some accounts may require additional reference called Secondary Reference Data (SRD) to be entered, so the bank can apply the payment to the right account after making the check. For example, SRD may include:

• A 16-digit credit card number (when you’re paying off your credit card bill)
• A roll number (when you’re making a payment to some building society accounts)

When you attempt a payment to such accounts, the Confirmation of Payee check will use the reference to ensure the account name is correct.

The Kroo app will pre-fill the secondary reference if it’s available and you will be able to change it before you confirm and send the payment.

If the details are invalid or not recognised, you’ll be informed that we couldn’t find an account matching the secondary reference provided and we’ll ask you to check the details you’ve entered.

You can attempt another check after amending the payee details or tap the “Continue anyway” button. However, remember that tapping the “Continue anyway” button means that you’re fully aware of and accept the risk of sending money to an unverified payee.

If the payee’s details were unverified or incorrect, and you’ve decided to proceed with the payment anyway, there’s a risk that you’ve accidentally paid the wrong person. If that’s due to a genuine mistake, we can try to recover the money for you, but please remember that this can take up to 20 working days and can’t be done for payments under £25.

As we care about the safety of your money and we want to do all we can to ensure your money reaches the desired account, we strongly advise to confirm the details with the payee before proceeding with the payment.

If you’re a victim of a scam, please get in touch with us as soon as possible.