Why can’t we find your rent payment?
By Sam Kane · Last checked 9 October 2026
If we cannot find your rent, it is usually because your tenancy is new, your rent is not paid on a regular schedule, or it is paid from a different bank account. You do not lose anything. We keep your account and email you when we can report your rent.
The short version
- We look at the last 3 months of transactions in the bank account you connect.
- We need three things: regular rent (monthly, every 4 weeks or weekly), a tenancy at least 2 months old, and 2 similar rent payments in the last 90 days.
- The most common reasons: a new tenancy, the wrong bank account, or rent that is not paid on a regular schedule.
- You pay nothing until we find your rent.
- Your account stays open. We email you when we can report.
- You can check and try again. Many cases are simple to fix, and we can help.
How we look for your rent
When you connect your bank, we read the last 3 months of transactions. The connection is read-only. We look for a payment that:
- goes out on a regular schedule, monthly, every 4 weeks or weekly
- goes to the same place each time
- is a similar amount each time
- has happened at least twice in the last 90 days
When we find one, we show it to you and you confirm it is your rent. If nothing matches, we cannot report yet. Get in touch and we will help fix it. Read how rent reporting works.
The usual reasons, and what to do
| Reason | Why it stops us | What you can do |
|---|---|---|
| Your tenancy is less than 2 months old | We need 2 rent payments to see a pattern | Nothing. We keep your account and email you when we can report. |
| You connected a different account | Your rent goes out of another account | Connect the account you pay rent from. You can connect a second bank account. |
| Your rent is not paid on a regular schedule | We need rent paid monthly, every 4 weeks or weekly | Pay your rent on the same schedule each time if you can. Get in touch and we will help. |
| Your rent changed recently | The new amount does not match the rent we know | Log in to your account and tell us the new rent |
| Someone else pays your rent | The payment does not leave your account | Pay your rent from your own account |
| Your housing costs go straight to your landlord | The payment does not leave your account | We can only report rent you pay from your own account |
| You pay in cash | We cannot see cash payments, so we cannot report them | Pay your rent by bank transfer, standing order or direct debit |
Rent paid to a housemate, a partner or a family member does not count, and we cannot use it. Read rent reporting if you pay an agent or a housemate. If Universal Credit or housing benefit helps with your rent, read rent reporting for council and housing association tenants.
If your tenancy is new
This is the most common reason. We need a tenancy at least 2 months old and 2 similar rent payments in the last 90 days. If you have just moved in, we cannot see a pattern yet.
You do not need to do anything. You pay nothing until we find your rent. We keep your account and email you when we can report.
Common questions
Why can’t you find my rent?
Usually because the tenancy is new, the rent is not paid on a regular schedule, or it is paid from a different bank account.
Will I lose my account if you cannot find my rent?
No. We keep your account and email you when we can report. You pay nothing until we find your rent.
What if my rent does not appear?
We show you the payments we find, and you confirm which one is your rent. If your rent is not there, get in touch and we will help fix it.
I pay rent every 4 weeks. Can I still use Report My Rent?
Yes. We can report rent paid every 4 weeks, as well as rent paid monthly or weekly. We look for 2 similar payments in the last 90 days.
My rent went up. What do I do?
Log in to your account and tell us the new rent. We carry on reporting at the new amount.
Sources
This page explains how Report My Rent finds rent payments. It does not rely on outside sources.