Can you pay for a transfer from someone else’s bank account?

Mostly no. The bank account you pay from has to be in your own name, the same name you used when you opened your transfer account. There is one exception that works cleanly, and one workaround for everything else. Both are below.

The three cases you are probably in

A joint account you are both named on. If the account has both names on it, and one of them matches the name on your Wise, Revolut, or bank account, you can pay from it. This is the everyday case for a couple who share bills, and it works. Wise confirms this in its help centre. Starling treats a joint holder as an owner of the account. You may be asked once for a bank statement showing your name is on the account. After that, it is done.

A partner’s or a parent’s account you are not named on. This is the case that gets paused. Even if the person paying is your husband or your mother, and you have their full permission, the provider still sees a name on the debit that is not yours. Wise will pause the transfer and refund the money to the account it came from. Revolut will not let a top-up in from an outside account whose name does not match the one on your Revolut. A regular bank does the same: only a named signatory on the account can push a payment out of it. You have not done anything wrong. The provider is doing its job under the UK rules it has to follow. But the money is not going where you meant it to.

A business account. A personal transfer paid from a limited-company account, or from a sole-trader account you use for work, is treated as a third-party payment. Wise will only accept it if you hold a Wise Business account and the business name matches yours as the sender. Otherwise: the same pause and refund. Do not use the company card because it happened to be in your wallet.

What actually happens if you try anyway

The provider spots the mismatch as soon as the money lands. You get a message asking you to cancel the transfer. When you do, the money goes back to the account it came from. That takes a few working days if it was a bank transfer and up to about two weeks if it was a card. The recipient does not see the money at all in this time.

There is a bigger problem sitting underneath the pause. A third-party payment can trigger a source-of-funds review on your account, which is the provider asking you to prove where the money came from. Expect a request for bank statements, payslips, or the sender’s ID. If you do not answer within the time they give you, the account can be limited or closed. This is the part nobody warns you about, and it is why the workaround below matters more than the pause itself.

The clean route out

Two extra hops. No fuss.

Ask the person to transfer the money to your own account first. Wait for it to land. Then send from your own account, in your own name. This is exactly what the rule is asking for, and it clears the check in one step instead of two weeks of ID paperwork.

If the reason you were using the other account in the first place was a card that keeps getting declined, that is a different problem. Try a bank transfer from your own account instead of a card payment, or write to the provider from inside the app before you send again.

If the transfer is already paused and you want to know what to do next, transfer help has the pieces on paused, cancelled, and stuck transfers. The rest of the money-life between shared accounts and family funding lives under between systems.