[$500] Invoice shows waiting for user to add a bank account despite payer already having a verified bank account

[izarutskaya]

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Version Number:
Reproducible in staging?: Needs Reproduction (Reproduction blocked due to card expense)
Reproducible in production?: Needs Reproduction
If this was caught during regression testing, add the test name, ID and link from BrowserStack:
Email or phone of affected tester (no customers):
Logs: https://stackoverflow.com/c/expensify/questions/4856
Expensify/Expensify Issue URL:
Issue reported by: @stephanieelliott
Slack conversation (hyperlinked to channel name): #expensify_bugs

Action Performed:

Precondition: Have 2 accounts on the same workspace, one with a verified business bank account

1. From the account with a VBBA, send an invoice to the other account (payer)
2. As the payer, pay the invoice with a credit card
3. As the payee/VBBA owner, see the message: [payer] started payment, but is waiting for [payee/VBBA account] to add a bank account.

Expected Result:

To have the payment sent to the payee's linked VBBA

Actual Result:

Payee sees a message to add VBBA despite them already having one

Workaround:

Unknown

Platforms:

Select the officially supported platforms where the issue was reproduced:

• Android: App
• Android: mWeb Chrome
• iOS: App
• iOS: mWeb Safari
• iOS: mWeb Chrome
• Windows: Chrome
• MacOS: Chrome / Safari

Screenshots/Videos

Additional information in the OP

View all open jobs on GitHub

Upwork Automation - Do Not Edit

• Upwork Job URL: https://www.upwork.com/jobs/~022002912372922159577
• Upwork Job ID: 2002912372922159577
• Last Price Increase: 2026-03-09

Issue Owner

Current Issue Owner: @huult

[melvin-bot]

Triggered auto assignment to @VictoriaExpensify (Bug), see https://stackoverflow.com/c/expensify/questions/14418 for more details. Please add this bug to a GH project, as outlined in the SO.

[melvin-bot]

Job added to Upwork: https://www.upwork.com/jobs/~022002912372922159577

[melvin-bot]

Triggered auto assignment to Contributor-plus team member for initial proposal review - @huult (External)

[MelvinBot]

This has been labelled "Needs Reproduction". Follow the steps here: https://stackoverflowteams.com/c/expensify/questions/16989

[huult]

@stephanieelliott Could you reproduce this issue using the bank account user_good?

Screen.Recording.2025-12-22.at.11.28.37.mov

[melvin-bot]

@huult Whoops! This issue is 2 days overdue. Let's get this updated quick!