gnawsome wrote:The latest clarifications:-
Alternatively you can also setup payments by visiting any Santander branch, please ensure you take proof of account ownership (card/statement) and at least one form of photographic identification (passport/driving licence).
Please note, once a new payee is set up you may be asked for an OTP when you go to pay that person or organisation again via Online Banking. To do this select Payments and Transfers >Pay or view existing payees and follow the on screen instructions.
Does that not appear to be self-contradictory
Not at all due to the word "may".
If you set up a payee but hadn't used it for 10 years then it seems quite reasonable they "may" want to confirm.
If you set up a payee and made regular payments of £50 and then wanted to make a payment of £20,000 it seems quite reasonable they "may" want to confirm.