diff --git a/forgerock-openbanking-uk-aspsp-rs/forgerock-openbanking-uk-aspsp-rs-gateway/forgerock-openbanking-uk-aspsp-rs-gateway-server/src/main/java/com/forgerock/openbanking/aspsp/rs/api/payment/v3_1_8/vrp/DomesticVrpsApiController.java b/forgerock-openbanking-uk-aspsp-rs/forgerock-openbanking-uk-aspsp-rs-gateway/forgerock-openbanking-uk-aspsp-rs-gateway-server/src/main/java/com/forgerock/openbanking/aspsp/rs/api/payment/v3_1_8/vrp/DomesticVrpsApiController.java
index c7592ff40..da1482c60 100644
--- a/forgerock-openbanking-uk-aspsp-rs/forgerock-openbanking-uk-aspsp-rs-gateway/forgerock-openbanking-uk-aspsp-rs-gateway-server/src/main/java/com/forgerock/openbanking/aspsp/rs/api/payment/v3_1_8/vrp/DomesticVrpsApiController.java
+++ b/forgerock-openbanking-uk-aspsp-rs/forgerock-openbanking-uk-aspsp-rs-gateway/forgerock-openbanking-uk-aspsp-rs-gateway-server/src/main/java/com/forgerock/openbanking/aspsp/rs/api/payment/v3_1_8/vrp/DomesticVrpsApiController.java
@@ -123,6 +123,7 @@ public ResponseEntity<OBDomesticVRPResponse> domesticVrpPost(
             f.validateRisk(obDomesticVRPRequest.getRisk());
             f.checkRequestAndConsentInitiationMatch(initiation, consent);
             f.checkRequestAndConsentRiskMatch(obDomesticVRPRequest, consent);
+            f.checkCreditorAccountIsInInstructionIfNotInConsent(new OBDomesticVRPRequest(), consent);
         });
         ResponseEntity responseEntity =  vrpPaymentsEndpointWrapper.execute((String tppId) -> {
             HttpHeaders additionalHeaders = new HttpHeaders();
diff --git a/forgerock-openbanking-uk-aspsp-rs/forgerock-openbanking-uk-aspsp-rs-gateway/forgerock-openbanking-uk-aspsp-rs-gateway-server/src/main/java/com/forgerock/openbanking/aspsp/rs/wrappper/endpoints/DomesticVrpPaymentsEndpointWrapper.java b/forgerock-openbanking-uk-aspsp-rs/forgerock-openbanking-uk-aspsp-rs-gateway/forgerock-openbanking-uk-aspsp-rs-gateway-server/src/main/java/com/forgerock/openbanking/aspsp/rs/wrappper/endpoints/DomesticVrpPaymentsEndpointWrapper.java
index 8d79ef395..b26e85cf4 100644
--- a/forgerock-openbanking-uk-aspsp-rs/forgerock-openbanking-uk-aspsp-rs-gateway/forgerock-openbanking-uk-aspsp-rs-gateway-server/src/main/java/com/forgerock/openbanking/aspsp/rs/wrappper/endpoints/DomesticVrpPaymentsEndpointWrapper.java
+++ b/forgerock-openbanking-uk-aspsp-rs/forgerock-openbanking-uk-aspsp-rs-gateway/forgerock-openbanking-uk-aspsp-rs-gateway-server/src/main/java/com/forgerock/openbanking/aspsp/rs/wrappper/endpoints/DomesticVrpPaymentsEndpointWrapper.java
@@ -32,6 +32,8 @@
 import com.forgerock.openbanking.model.error.OBRIErrorType;
 import lombok.extern.slf4j.Slf4j;
 import org.springframework.http.ResponseEntity;
+import uk.org.openbanking.datamodel.error.OBError1;
+import uk.org.openbanking.datamodel.error.OBStandardErrorCodes1;
 import uk.org.openbanking.datamodel.payment.OBRisk1;
 import uk.org.openbanking.datamodel.vrp.OBDomesticVRPInitiation;
 import uk.org.openbanking.datamodel.vrp.OBDomesticVRPRequest;
@@ -113,6 +115,15 @@ public void checkRequestAndConsentRiskMatch(OBDomesticVRPRequest request, FRDome
         }
     }
 
+    public void checkCreditorAccountIsInInstructionIfNotInConsent(OBDomesticVRPRequest vrpRequest,
+                                                                  FRDomesticVRPConsent frConsent) throws OBErrorException {
+        if(frConsent.getVrpDetails().getData().getInitiation().getCreditorAccount() == null){
+            if(vrpRequest.getData().getInitiation().getCreditorAccount() == null){
+                throw new OBErrorException(OBRIErrorType.REQUEST_VRP_CREDITOR_ACCOUNT_NOT_SPECIFIED);
+            }
+        }
+    }
+
     public interface DomesticVrpPaymentRestEndpointContent {
         ResponseEntity run(String tppId) throws OBErrorException;
     }
diff --git a/forgerock-openbanking-uk-aspsp-rs/forgerock-openbanking-uk-aspsp-rs-gateway/forgerock-openbanking-uk-aspsp-rs-gateway-server/src/test/java/com/forgerock/openbanking/aspsp/rs/wrappper/endpoints/DomesticVrpPaymentsEndpointWrapperTest.java b/forgerock-openbanking-uk-aspsp-rs/forgerock-openbanking-uk-aspsp-rs-gateway/forgerock-openbanking-uk-aspsp-rs-gateway-server/src/test/java/com/forgerock/openbanking/aspsp/rs/wrappper/endpoints/DomesticVrpPaymentsEndpointWrapperTest.java
index a17b9ca44..8d0d881cd 100644
--- a/forgerock-openbanking-uk-aspsp-rs/forgerock-openbanking-uk-aspsp-rs-gateway/forgerock-openbanking-uk-aspsp-rs-gateway-server/src/test/java/com/forgerock/openbanking/aspsp/rs/wrappper/endpoints/DomesticVrpPaymentsEndpointWrapperTest.java
+++ b/forgerock-openbanking-uk-aspsp-rs/forgerock-openbanking-uk-aspsp-rs-gateway/forgerock-openbanking-uk-aspsp-rs-gateway-server/src/test/java/com/forgerock/openbanking/aspsp/rs/wrappper/endpoints/DomesticVrpPaymentsEndpointWrapperTest.java
@@ -33,6 +33,7 @@
 import org.junit.runner.RunWith;
 import org.mockito.Mock;
 import org.mockito.junit.MockitoJUnitRunner;
+import uk.org.openbanking.datamodel.error.OBStandardErrorCodes1;
 import uk.org.openbanking.datamodel.vrp.OBDomesticVRPInitiation;
 import uk.org.openbanking.datamodel.vrp.OBDomesticVRPRequest;
 import uk.org.openbanking.testsupport.vrp.OBDomesticVRPCommonTestDataFactory;
@@ -130,5 +131,63 @@ public void fail_checkRequestAndConsentInitiationMatch() throws OBErrorException
 
         // Then
         assertThat(exception.getObriErrorType()).isEqualTo(OBRIErrorType.REQUEST_VRP_INITIATION_DOESNT_MATCH_CONSENT);
+        assertThat(exception.getOBError().getErrorCode()).isEqualTo(OBStandardErrorCodes1.UK_OBIE_RESOURCE_CONSENT_MISMATCH.toString());
     }
+
+    /**
+     * If the CreditorAccount was not specified in the consent, the CreditorAccount must be specified in the
+     * instruction.
+     */
+    @Test
+    public void success_checkCreditorAccountIsInInstructionIfNotInConsent() throws OBErrorException {
+        // Given
+        DomesticVrpPaymentsEndpointWrapper domesticVrpPaymentsEndpointWrapper =
+                new DomesticVrpPaymentsEndpointWrapper(endpointWrapperService, tppStoreService,
+                        riskValidator);
+            // Create the request data
+        OBDomesticVRPRequest vrpRequest = OBDomesticVRPRequestTestDataFactory.aValidOBDomesticVRPRequest();
+
+            // Create an FR Consent with slightly differing initiation data
+        FRDomesticVRPConsent frConsent = FRVrpTestDataFactory.aValidFRDomesticVRPConsent();
+        frConsent.getVrpDetails().getData().getInitiation().setCreditorAccount(null);
+
+
+        // When
+        domesticVrpPaymentsEndpointWrapper.checkCreditorAccountIsInInstructionIfNotInConsent(vrpRequest, frConsent);
+
+        // Then
+
+    }
+
+    /**
+     * If the CreditorAccount was not specified in the consent, the CreditorAccount must be specified in the
+     * instruction.
+     */
+    @Test
+    public void fail_checkCreditorAccountIsInInstructionIfNotInConsent() throws OBErrorException {
+        // Given
+        DomesticVrpPaymentsEndpointWrapper domesticVrpPaymentsEndpointWrapper =
+                new DomesticVrpPaymentsEndpointWrapper(endpointWrapperService, tppStoreService,
+                        riskValidator);
+        // Create the request data
+        OBDomesticVRPRequest vrpRequest = OBDomesticVRPRequestTestDataFactory.aValidOBDomesticVRPRequest();
+        vrpRequest.getData().getInitiation().setCreditorAccount(null);
+
+        // Create an FR Consent with slightly differing initiation data
+        FRDomesticVRPConsent frConsent = FRVrpTestDataFactory.aValidFRDomesticVRPConsent();
+        frConsent.getVrpDetails().getData().getInitiation().setCreditorAccount(null);
+
+
+        // When
+        OBErrorException exception =
+                catchThrowableOfType(() ->
+                        domesticVrpPaymentsEndpointWrapper.checkCreditorAccountIsInInstructionIfNotInConsent(vrpRequest, frConsent),
+                        OBErrorException.class);
+
+        // Then
+        assertThat(exception.getObriErrorType()).isEqualTo(OBRIErrorType.REQUEST_VRP_CREDITOR_ACCOUNT_NOT_SPECIFIED);
+        assertThat(exception.getOBError().getErrorCode()).isEqualTo(OBStandardErrorCodes1.UK_OBIE_RESOURCE_CONSENT_MISMATCH.toString());
+
+    }
+
 }
\ No newline at end of file