Why can’t I edit the reference on a payment?

Some banks and building societies use unique references to identify their customers’ accounts. When you pay a person or business whose bank uses unique references, we use a service called Confirmation of Payee (CoP) to check that the reference you’ve entered matches the reference on the account.

If the reference saved to a payee has been checked using CoP, you won’t be able to edit it – you’ll need to set up a new payee using the details of the person or business you’d like to pay. If you need to delete a payee because their reference is no longer right, you can do this in Online Banking. From the menu at the top of the page, go to ‘Move money’ and select ‘Manage saved payee list’.

To change the reference on a standing order or future-dated payment, you'll need to first delete it, then set up a new one. You can do this in the 'Manage standing orders' section of the app, and the 'Transfers, standing orders and Direct Debits' section in Online Banking.