How do I change the payee reference?

There are 2 ways to change a payee reference:  
  • Temporarily change the reference for a once-off SEPA payment.
  • Permanently change the reference for all future payments by setting up the payee again (the Bank of Ireland App allows you to do this in minutes).

How to make a temporary change to a payee reference on a once-off payment (SEPA only):

  1. On the transfer screen, tap 'Amend' beside the payee reference you wish to change and begin typing.
  2. Complete the transfer details and tap 'Continue'.
  3. Enter the 3 requested digits of your 6-digit 365 PIN.
  4. Review the details of the transfer with the amended reference. You can choose to print this screen or save it as a PDF.
  5. The next time you make a payment to that payee, the reference will return to the original reference you chose when adding your payee.

Temporary changes are useful for making small convenient changes to payee references. For example, “John” to “John Rugby ticket” or “John Dinner”.

Please note

The Quick Transfer tool does not allow you to change a reference.

How to permanently change a payee reference:

  1. Log in to 365 online.
  2. Tap 'Manage Accounts'.
  3. Select 'Manage Payees'.
  4. Tap (+) under the IBAN column of the payee whose details you would like to change and make a note of their details.
  5. Select the payee name and tap 'Delete [X]' below.
  6. Use the 'Add a Payee' option to add the payee again with a new reference and the details you took note of in step 4.

Permanent changes are useful if you want to change a bill reference. For example, changing the customer reference number with the same provider.

Please note

If adding a new Bank of Ireland credit card we always advise setting up a new payee to ensure the 16-digit number is correct.

How to make a temporary change to a payee reference on a once-off payment (SEPA only):

  1. Log in to your account on the Mobile Banking app.
  2. Tap 'Transfers' on the bottom menu.
  3. Select an account to pay from.
  4. Tap 'Pay a Person or a 'Bill'.
  5. Choose a payee from your list of SEPA payees.
  6. Enter an amount.
  7. Tap 'Message to Payee' to change the payee reference for this once-off payment.
  8. Tap 'Continue'.
  9. Confirm the details of the transfer and tap 'Yes' to proceed.
  10. Enter the 3 requested digits of your 6-digit 365 PIN.

Please note

The next time you make a payment to that payee, the reference will return to the original reference you chose when adding your payee.

Temporary changes are useful for making small convenient changes to payee references. For example, “John” to “John Rugby ticket” or “John Dinner”.

How to permanently change a payee reference:

When setting up a new payee, the reference you enter will be permanently saved with the payee details. Therefore, to permanently change a reference, you'll need to delete the payee and add them again.

How to delete a payee on the Mobile Banking app (ROI only):

  1. Log in to your account on the Mobile Banking app.
  2. Tap 'More' on the bottom menu.
  3. Select 'Manage Payees'.
  4. Choose the payee you want to delete from your list of registered payees.

- a. Android – Tap and hold on the payee. A pop-up will appear. Tap ‘Delete’. Tap 'Yes' to confirm you want to delete the payee.

- b. iOS – Swipe to right on the payee. Tap ‘Delete’. Tap 'Yes' to confirm you want to delete the payee.

How to add a payee on the Mobile Banking app:

  1. Log in to your account on the Mobile Banking app.
  2. Tap 'More'.
  3. Select 'Manage Payees'.
  4. Tap 'Add New Person' and enter the payee details.

Permanent changes are useful if you want to change a bill reference. For example, changing the customer reference number with the same provider.

Please note

If adding a new Bank of Ireland credit card we always advise setting up a new payee to ensure the 16-digit number is correct.

How to make a temporary change to a payee reference for a once-off payment (SEPA only):

  1. Log in to your account on the Bank of Ireland App.
  2. Tap 'Payments' on the bottom menu.
  3. Select 'Send money or pay a bill'.
  4. Select an account to pay from.
  5. Tap 'Select payee'.
  6. Enter an amount, then select 'Edit' beside the reference and enter your changes.
  7. Tap 'Continue'.
  8. Review the details of the transfer and tap 'Continue'.
  9. Enter the requested 3 digits of your 6-digit 365 PIN
  10. Swipe to approve.

Please note

This reference change is only applied to the once off payment. The reference will return to the original reference you chose when adding your payee.

Temporary changes are useful for making small convenient changes to payee references. For example, “John” to “John Rugby ticket” or “John Dinner”.

How to permanently change a payee reference:

When setting up a new payee, the reference you enter will be permanently saved with the payee details. Therefore, to permanently change a reference, you'll need to delete the payee and add them again.

How to delete a payee on the Bank of Ireland App:

  1. Log in to your account on the Bank of Ireland App.
  2. Tap 'Payments' on the bottom menu.
  3. Select 'Manage payees'.
  4. Choose the payee you wish to delete.
  5. On the payee details page, tap ‘Delete payee’.
  6. Tap 'Delete payee' again to confirm you want to delete the payee.

How to add a payee on the Bank of Ireland App:

  1. Log in to your account on the Bank of Ireland App.
  2. Tap 'Payments' on the bottom menu.
  3. Select 'Send money'.
  4. Select an account to pay from.
  5. Tap 'Select payee'.
  6. Tap 'Add Person' and enter the payee details.

Permanent changes are useful if you want to change a bill reference. For example, changing the customer reference number with the same provider.

Please note

If adding a new Bank of Ireland credit card we always advise setting up a new payee to ensure the 16-digit number is correct.

Last updated: September 07, 2020

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