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How to use customer-specific bank accounts for payments in Business Central?

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Posted on by peter fun

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I’ve added bank accounts on the customer card (e.g., Mom and Dad for the Son), but I’m not sure how to use these specific bank accounts when receiving payments on behalf of the customer. These bank accounts are not showing up in the Cash Receipt Journal or Payment Journal. How can I handle this scenario in Business Central where Mom or dad pays for their son using their bank account or if they pay via check?

Any guidance or documentation link would be appreciate

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Dynamics 365 Business Central

Dynamics 365 Business Central migration

Microsoft Dynamics RMS

Microsoft Dynamics NAV

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techreviews.digital 376 on at

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Hi Peter,

Greetings!!!

The purpose of storing the Bank Account details on the Customer card is only for information. This information is not linked to any Journals (whether cash receipt journal or payment journal), but Business Central is updating this information automatically while posting of the transaction, based on the default value setup on customer card.

Default Value Setup on Customer Card:

Select the related customer bank account in the Preferred Bank Account Code, available in the Payments section of Customer card. Attaching below screenshot for your reference.

Once the transaction will be posted, then Business Central will update the Preferred Bank Account Code in the Recipient Bank Account field, available in the backend of Customer Ledger Entries. You can verify and confirm it from the Inspection Pane.

I hope it will resolve your concerns.

Best Regards,

Sheikh Muhammad Jawad

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Kamal Khakhkhar 1,274 on at

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Hii there , as per suggested you can add prefered bank account as per mentioned in customer card page .

else if you want to do customization you can add a field and in gen journal line you can validate bank account accordingly.

If you found answer mark it answered.

Thank You.

Kamal Khakhkhar

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peter fun 617 on at

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Can i get Payer account no field on cash receipt journal? the Bank account who is paying for student.

I’ve created a bank account for the son’s mom. Now, there is a prepayment of 1000 against the son, and I want to make the payment using the mom’s bank account. How can I do that?

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techreviews.digital 376 on at

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Dear @peter fun,

Greetings!!!

Please follow the below steps:

Step 1: Open the Customer Card of Son. Select the Mom's bank account in the Preferred Bank Account Code, available in the Payments section of Customer card.

Step 2: Record the payment, the system will update the Mom's bank account automatically in Recipient Bank Account field, available in the backend of Customer Ledger Entries.

Enhancement Option:

- Create a customized field on Cash Receipt Journal for Recipient Bank Account, and link the Customer Bank Account table to this field with a filter of same customer. So, you can manually select the related bank account.

- For next step following options can be considered:

Option 1: The updated value must be updated in the Preferred Bank Account Code in the Customer Card from Cash Receipt Journal, and then system must post the transaction accordingly. Make the Recipient Bank Account field visible on the Customer Ledger Entries from backend to frontend by writing the AL code.

Option 2: Create a customized field for Recipient Bank Account in the Customer Ledger Entries and then store the information from the Cash Receipt Journal to the Customer Ledger Entries.

Option 3: The updated value must be updated in the Recipient Bank Account in the Customer Ledger Entries after posting of the transaction. Make the Recipient Bank Account field visible on the Customer Ledger Entries from backend to frontend by writing the AL code. (This option might be or might not be feasible)

I hope it will resolve all of your concerns.

Thanks & Best Regards,

Sheikh Muhammad Jawad

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RockwithNav 8,600 Super User 2025 Season 2 on at

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In Business Central, the bank accounts added on the customer card are for reference and don’t show up in the Cash Receipt or Payment Journal. To handle scenarios where a parent (like Mom or Dad) pays on behalf of their child, you can either mention the payer’s name in the description field of the journal for a simple solution, or create separate customer cards for the parents and apply their payments to the child’s invoices for better tracking. The latter allows clearer reporting and audit trails. Direct use of those customer bank accounts for receipts isn’t supported without customization.

Blog - rockwithnav.wordpress.com/
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YUN ZHU 95,329 Super User 2025 Season 2 on at

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Just add some information, you can do this with a simple customization.

Thanks.

ZHU

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Andrés Arias 4,188 Super User 2025 Season 2 on at

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Hello,
I could work with Customer functionality, this to transfer customer debt, parent to child.

I hope you can help.

Regards

,
Andres

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Mansi Soni 8,907 Super User 2025 Season 2 on at

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Hello @peter fun,

There’s no native function to apply different bank accounts per customer for payment processing directly. For extended tracking, customization or Power Platform automation may be used.

Hope this answer will help you as well!

Regards,
Mansi Soni

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Gerardo Rentería Ga... 25,157 Most Valuable Professional on at

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Hi

Analyze whether it's feasible to create related clients and collect from them. Then, using credit/debit notes, transfer the balance to the final client. Or, you could also implement a development that allows you to select the specific bank account.

Best

GR

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Jainam M. Kothari 15,631 Super User 2025 Season 2 on at

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Hello,

Bank accounts added to a customer card (e.g., Mom or Dad for their son) are for reference only and do not appear in the Cash Receipt or Payment Journals during payment processing.

To handle third-party payments, you should post the payment against the correct customer and use fields like "External Document No." or "Description" to note who made the payment (e.g., "Paid by Mom - Chq #123").

For more advanced tracking, you may consider customizing the journal to include a field for third-party bank details.

May this can help : https://learn.microsoft.com/en-us/training/paths/process-customer-vendor-payments-dynamics-365-business-central/

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