The payee must, in the bank account name—actually, it comes down to specifics, and I guess we are digging quite deep into the way these things must be operated, but, again, like with so many things we have learnt from bitter experience. For a payer, the bank account must include the words "retention money trust account", and if the account is set up to hold retentions for one payee or more construction contracts, the account name must include the payee's name. 