Ask users for Bank details
This pattern is currently experimental because more research is needed to validate it.
When to use this pattern
Follow this pattern if you need users to provide their bank details so you can pay them.
Only ask for bank details securely within your service. For example, do not ask users to send their bank details by email.
This pattern does yet not cover asking users for bank details so they can pay by Direct Debit.
If your service lets users set up Direct Debit payments, first check if you can use GOV.UK Pay.
How it works
Include extra fields if your payment service provider needs additional information.
Do not ask users for their account type
Do not ask users if they have a bank account or building society account as not all users know this.
If your service does not support building society accounts, remove building society from the content and do not ask for a roll number.
Asking for building society roll numbers
Roll numbers are only used by some building societies for certain types of account, so make this field optional.
However, you need a user’s roll number when they have one. This is why the label says ‘(if you have one)’.
Allow different formats for the sort code
Let users enter their sort code in whatever format is familiar to them. Allow additional spaces, hyphens and dashes.
Use one input for the sort code. It allows users to enter their sort code more quickly, and avoids them needing to read and understand multiple input labels.
Use a branching question if users can choose how to get paid
Not everyone has a bank account or wants to share their account details online.
Let users choose to get paid by an alternative method.
Adapt this question depending on what payment options your users need and what your service can support.
Turn off HTML5 validation
You should turn off HTML5 validation to prevent browsers from validating the pattern attribute used by the bank details pattern.
International bank account details
If you expect your users will have a non-UK bank account, you’ll need to:
- use different fields to sort code and account number – usually BIC code (also known as ‘SWIFT code’) and IBAN
- do research on other fields you may need to add for the countries your service supports
- only show the fields for the country your user selects
If you expect your users to have a non-UK bank account, give them an option to select this.
International bank accounts require different fields to sort code and account number.
Different countries ask for additional details. This guidance does not cover all possibilities. You will need to research what information is needed by the countries your service supports.
Only show the fields that relate to that country.
Most countries need the IBAN and BIC, sometimes known as the SWIFT code.
Error messages should be styled like this:
Make sure errors follow the guidance in error message and have specific error messages for specific error states.
If the name on the account is empty
Say ‘Enter the name on the account’.
If the sort code is empty
Say ‘Enter a sort code’.
If the sort code is not in the correct format
Say ‘Enter a valid sort code like 309430’.
If the account number is empty
Say ‘Enter an account number’
If the account number is not in the correct format
Say ‘Enter a valid account number like 00733445’.
If the account number is too long or too short
Say ‘Account number must be between 6 and 8 digits’.
If the building society roll number is too long
Say ‘Building society roll number must be between 1 and 18 characters’.
If the building society roll number uses characters that are not allowed
Say ‘Building society roll number must only include letters a to z, numbers, hyphens, spaces, forward slashes and full stops’.
Research on this pattern
This pattern was originally contributed by a team at the Ministry of Justice.
It has not been tested in user research yet. It’s closely based on the pattern used by GOV.UK Pay, and patterns used by the following government services.
Department for Work and Pensions
Get Jobseeker’s Allowance
Get your State Pension
HM Revenue & Customs
Register your anti-money laundering supervision
Office of the Public Guardian
Claim a power of attorney refund
Ministry of Justice
Claim for costs of a child’s funeral
If you’ve used this pattern, get in touch to share your user research findings.
The team that developed this pattern only found one service, Claim power of attorney refund, that warns users their bank details will be hidden for their security.
But GoCardless, GOV.UK Pay’s Direct Debit provider, says to display a user’s bank details again before the user submits them.
Some users with older bank or building society accounts might have account numbers that are 9 or 10 digits long. Research is needed to confirm that these users know how to shorten their account number to fit into the field.
More research is also needed on:
- how to ask users for their bank details in the context of setting up Direct Debit payments
- whether bank details should be shown or not on a ‘Check your answers’ page and how that affects this pattern
- how to handle international bank accounts so users are only asked for information that’s needed based on the location of their bank account
- the information required to pay credit union accounts and how to ask credit union members for that information
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How do I find out about Building Society Roll Numbers?
Whilst most standard UK bank accounts have an 8 digit account number and 6 digit sort code, some Building Society accounts may also have what’s referred to as a ‘Building Society roll number’ or just a ‘roll number’ – a reference code with letters and numbers.
If you are making a payment to a Building Society account, then the Building Society should provide you with the roll number if required. When making a payment online, you should add the roll number as the reference of the payment you are sending.
Though it’s difficult to say how many financial institutions still use roll numbers to uniquely identify an individual’s account (usually a savings account), customers will sometimes be asked to contact their bank or Building Dociety to obtain the eight-digit account number and the six-digit sort code equivalent if say, setting up a direct debit thus negating the use of the roll number.Whilst most standard UK bank accounts have an 8 digit account number and 6 digit sort code, some Building Society accounts may also have… ]]>