Bank account in another name?

[wilsonwilson]

Is it possible to add a bank account to your Etsy account if the name on the bank account is not the same as the name of the Etsy shop owner?

Additionally, the shop owner and the bank would be two different countries. Shop would be Canadian owner and bank would be USA (different name).

Curious if this is possible or if there are any ways to get this to work.

Cheers.

[gushi]

In my experience, I have not had issues with missmatched names. Also, in my experience, no system can find out what is the bank account/credit card owners' name.

[rsot]

Originally Posted by gushi

In my experience, I have not had issues with missmatched names. Also, in my experience, no system can find out what is the bank account/credit card owners' name.

Credit card owner's name - no but bank account name can be acquired by the system if the does a deposit/withdrawal or if user uploads funds - these methods generate an e-receipt that can reveal true name on the bank account from what I have seen

[wilsonwilson]

Originally Posted by rsot

Credit card owner's name - no but bank account name can be acquired by the system if the does a deposit/withdrawal or if user uploads funds - these methods generate an e-receipt that can reveal true name on the bank account from what I have seen

Oh this is interesting. I can't remember if Etsy makes small deposits into the account in order to verify it. If they do, do they confirm that the names match on both the bank account and shop name?

[wilsonwilson]

Originally Posted by agent006140

I know the bank name must match the name of the person who owns the shop.
I dont think country matters,it will deposit the fund into your bank account,it is up to you how to withdraw them.
Someone may come and shed more light on this

Do you know this for certain or is it just an assumption based on what has been heard?

[degsey69]

It’s been my experience that the name is not checked just the routing and account number, banks can not disclose names.

[rsot]

Originally Posted by wilsonwilson

Oh this is interesting. I can't remember if Etsy makes small deposits into the account in order to verify it. If they do, do they confirm that the names match on both the bank account and shop name?

I haven't seen what Etsy does to confirm the bank account - perhaps others can confirm

[rsot]

Originally Posted by agent006140

When you sold some items,Etsy will deposit the proceeds into your bank account ,this is how they find out the bank account name does not match shop owner name?

Simply depositing into the account wouldn't reveal the name - the name would be generated on a receipt of sending money from the account or authorized withdrawal from the account...

[SaiJin]

Originally Posted by wilsonwilson

Is it possible to add a bank account to your Etsy account if the name on the bank account is not the same as the name of the Etsy shop owner?

Additionally, the shop owner and the bank would be two different countries. Shop would be Canadian owner and bank would be USA (different name).

Curious if this is possible or if there are any ways to get this to work.

Cheers.

The basics is that when you disburse INTO your bank acc, the platform can't see the bank acc name.

So you're ok

[Rom Tittenhouse]

According to Chat GPT... Etsy themselves cannot view your banking info. But the 3rd party payment providers they use (world pay, Adyen etc) can. But they don't actually see the info, they just submit the name and account number to the bank and the bank replies with one of: [match, close match/similar, mismatch]. They are also running the name through all other financial records and credit bureaus to make sure you are a real person and not a sanctioned individual.
And despite this, I am hearing that people have had success using Wise with other names. Has anyone tried this recently? What happened?

[rswomA]

Originally Posted by Rom Tittenhouse

According to Chat GPT... Etsy themselves cannot view your banking info. But the 3rd party payment providers they use (world pay, Adyen etc) can. But they don't actually see the info, they just submit the name and account number to the bank and the bank replies with one of: [match, close match/similar, mismatch]. They are also running the name through all other financial records and credit bureaus to make sure you are a real person and not a sanctioned individual.
And despite this, I am hearing that people have had success using Wise with other names. Has anyone tried this recently? What happened?

I'm using different bank name and its okey

[Rom Tittenhouse]

Can I ask how long ago you created your account/entered bank info?

[SaiJin]

Originally Posted by Rom Tittenhouse

Can I ask how long ago you created your account/entered bank info?

SInce this is an old thread, I recommend you make a new one so it bumps up to the top for more people to see

[rswomA]

Originally Posted by Rom Tittenhouse

Can I ask how long ago you created your account/entered bank info?

I did that multiple time in multiple accounts, it doesnt matter

[rsot]

Originally Posted by rswomA

I did that multiple time in multiple accounts, it doesnt matter

All other accounts unlinked and operated well independently?

[VeryVERO]

As of June 2025 both for USA bank account they use Plaid’s Instant option which is fast and easy way but not clear what data exchanges with Etsy. So i can't be sure if a different name may be OK.

[VeryVERO]

For SEPA (again as of June 2025) Etsy made a microdeposit and asked what was the amount (which they don't collect back like ebay). When you input that amount correctly, the verification is done.

[VeryVERO]

From plaid.com site they state they offer these checks:
account & routing numbers
account-holder information

[rsot]

Originally Posted by VeryVERO

From plaid.com site they state they offer these checks:
account & routing numbers
account-holder information

Congrats on getting to 25 posts - few posts stringing...odd hmm why unearth old 2025 threads?

[agent006140]

Originally Posted by rsot

Congrats on getting to 25 posts - few posts stringing...odd hmm why unearth old 2025 threads?

This is a free country,not NAZI LAND

[VeryVERO]

Originally Posted by rsot

Congrats on getting to 25 posts - few posts stringing...odd hmm why unearth old 2025 threads?

Here's why,,,
i'm looking for new ebay & etsy acc. and i was going around posts related to that and especially how an acc. can be transferred to another name and details on how that can be done before buying an acc.
Etsy clearly says they dont allow.
I contacted ebay and asked if i can change the name.
They said i can but since they already have the previous name on file and already verified it, if i change the name significantly (misspellings can go through though) if i change it then it will be a breech of agreement and will be blocked.
I ended up in this thread where there's no definite answer whether a deposit in another name is possible or not.
Also there's no certainty on how the check is done by Etsy.
My search didn't yield more recent results on this matter.
So i thought to share my 1 year ago experience.
If you believe i shouldn't, well then what i can say...

[VeryVERO]

Originally Posted by rsot

Congrats on getting to 25 posts - few posts stringing...odd hmm why unearth old 2025 threads?

PS: I also believe that when someone has to say something about or to someone, the best way is a direct message instead of hijacking a thread to open a discussion or asking for irrelevant to the OP subject.
Of course this is only possible if the member has made 25 posts....
Until then everything needs to go public and so the thread ends up with irrelevant posts...
Like we do now

For me that rule of 25 posts is unnecessary, counterproductive and easily breached.

We need to have in mind that this forum (aspkin) deals significantly with the purpose to breach, break or bend the rules of other websites (marketplaces) and ways to do it or not.
Most people come here specifically for that.
Therefore i believe it's illogical to believe they wont try to bend the rules of this forum as well, specifically if the rule stops them from fulfilling what they came here for.

Don't u think ?