diff --git a/app/models/payroll/banking_name_normalizer.rb b/app/models/payroll/banking_name_normalizer.rb
new file mode 100644
index 0000000000..310bd401cc
--- /dev/null
+++ b/app/models/payroll/banking_name_normalizer.rb
@@ -0,0 +1,34 @@
+module Payroll
+  class BankingNameNormalizer
+    def self.normalize(name)
+      new(name).normalize
+    end
+
+    def initialize(name)
+      @name = name
+    end
+
+    def normalize
+      return nil if @name.nil?
+
+      @name
+        .then { |n| strip(n) }
+        .then { |n| final_cleanup(n) }
+    end
+
+    private
+
+    # CAPT-2088 - if we strip spaces in form objects this would't be needed
+    # Payroll requires this can't have leading spaces
+    def strip(name)
+      name.strip
+    end
+
+    # Just remove anything that isn't allowed by Payroll
+    # BankDetailsForm::BANKING_NAME_REGEX_FILTER is actually stricter than what is allowed here
+    # So there is no need to worry about UTF-8 issues
+    def final_cleanup(name)
+      name.gsub(/[^A-Za-z0-9 &'()*,-.\/]/, "")
+    end
+  end
+end
diff --git a/app/models/payroll/name_normalizer.rb b/app/models/payroll/name_normalizer.rb
new file mode 100644
index 0000000000..94b867bdd6
--- /dev/null
+++ b/app/models/payroll/name_normalizer.rb
@@ -0,0 +1,32 @@
+module Payroll
+  class NameNormalizer
+    def self.normalize(name)
+      new(name).normalize
+    end
+
+    def initialize(name)
+      @name = name
+    end
+
+    def normalize
+      return nil if @name.nil?
+
+      @name
+        .then { |n| transliterate(n) }
+        .then { |n| final_cleanup(n) }
+    end
+
+    private
+
+    # Transliterates UTF-8 characters to ASCII
+    # Attempt to replace things like `è` with `e`
+    def transliterate(name)
+      I18n.transliterate(name)
+    end
+
+    # Just remove anything that isn't allowed by Payroll
+    def final_cleanup(name)
+      name.gsub(/[^A-Za-z]/, "")
+    end
+  end
+end
diff --git a/app/models/payroll/payment_csv_row.rb b/app/models/payroll/payment_csv_row.rb
index cf34456281..7acae9dfd9 100644
--- a/app/models/payroll/payment_csv_row.rb
+++ b/app/models/payroll/payment_csv_row.rb
@@ -27,6 +27,18 @@ def to_a
 
     private
 
+    def first_name
+      NameNormalizer.normalize(model.first_name)
+    end
+
+    def middle_name
+      NameNormalizer.normalize(model.middle_name)
+    end
+
+    def surname
+      NameNormalizer.normalize(model.surname)
+    end
+
     def title
       TITLE
     end
@@ -112,7 +124,7 @@ def student_loan_plan
     end
 
     def banking_name
-      model.banking_name
+      BankingNameNormalizer.normalize(model.banking_name)
     end
 
     def bank_sort_code
diff --git a/spec/models/payroll/banking_name_normalizer_spec.rb b/spec/models/payroll/banking_name_normalizer_spec.rb
new file mode 100644
index 0000000000..45491650c9
--- /dev/null
+++ b/spec/models/payroll/banking_name_normalizer_spec.rb
@@ -0,0 +1,57 @@
+require "rails_helper"
+
+RSpec.describe Payroll::BankingNameNormalizer do
+  describe ".normalize" do
+    subject { described_class.normalize(name) }
+
+    context "nil" do
+      let(:name) { nil }
+      it { is_expected.to be_nil }
+    end
+
+    context "empty string" do
+      let(:name) { "" }
+      it { is_expected.to eq "" }
+    end
+
+    context "blank string" do
+      let(:name) { "   " }
+      it { is_expected.to eq "" }
+    end
+
+    context "name with nothing to change" do
+      let(:name) { "John" }
+      it { is_expected.to eq "John" }
+    end
+
+    context "name with leading and trailing spaces" do
+      let(:name) { " John Doe " }
+      it { is_expected.to eq "John Doe" }
+    end
+
+    context "name with spaces" do
+      let(:name) { "Oscar Hernandez" }
+      it { is_expected.to eq "Oscar Hernandez" }
+    end
+
+    context "name with multiple spaces" do
+      let(:name) { "Chan Chiu Bruce" }
+      it { is_expected.to eq "Chan Chiu Bruce" }
+    end
+
+    context "name with allowed characters" do
+      let(:name) { "John &'()*,-./ Doe" }
+      it { is_expected.to eq "John &'()*,-./ Doe" }
+    end
+
+    context "name with disallowed characters" do
+      let(:name) { "John &'()*,-./+`%£^ Doe" }
+      it { is_expected.to eq "John &'()*,-./ Doe" }
+    end
+
+    context "name that has it all" do
+      let(:name) { "   John &'()*,-./+`%£^ Doe " }
+      it { is_expected.to eq "John &'()*,-./ Doe" }
+    end
+  end
+end
diff --git a/spec/models/payroll/name_normalizer_spec.rb b/spec/models/payroll/name_normalizer_spec.rb
new file mode 100644
index 0000000000..4ee92952f0
--- /dev/null
+++ b/spec/models/payroll/name_normalizer_spec.rb
@@ -0,0 +1,67 @@
+require "rails_helper"
+
+RSpec.describe Payroll::NameNormalizer do
+  describe ".normalize" do
+    subject { described_class.normalize(name) }
+
+    context "nil" do
+      let(:name) { nil }
+      it { is_expected.to be_nil }
+    end
+
+    context "empty string" do
+      let(:name) { "" }
+      it { is_expected.to eq "" }
+    end
+
+    context "blank string" do
+      let(:name) { "   " }
+      it { is_expected.to eq "" }
+    end
+
+    context "name with nothing to change" do
+      let(:name) { "John" }
+      it { is_expected.to eq "John" }
+    end
+
+    context "name curly quotes" do
+      let(:name) { "O’Something" }
+      it { is_expected.to eq "OSomething" }
+    end
+
+    context "name accents and spaces" do
+      let(:name) { "Óscar Hernández" }
+      it { is_expected.to eq "OscarHernandez" }
+    end
+
+    context "name with multiple spaces" do
+      let(:name) { "Chan Chiu Bruce" }
+      it { is_expected.to eq "ChanChiuBruce" }
+    end
+
+    context "name with emojis spaces" do
+      let(:name) { "Thumbs 👍 Up " }
+      it { is_expected.to eq "ThumbsUp" }
+    end
+
+    context "name with semi-colon" do
+      let(:name) { "Samuel;" }
+      it { is_expected.to eq "Samuel" }
+    end
+
+    context "name with hyphen" do
+      let(:name) { "Double-Barrelled" }
+      it { is_expected.to eq "DoubleBarrelled" }
+    end
+
+    context "name with a period" do
+      let(:name) { "John. Smith" }
+      it { is_expected.to eq "JohnSmith" }
+    end
+
+    context "name that has it all" do
+      let(:name) { "Jámes'. Ryan, O’Hughes 👍" }
+      it { is_expected.to eq "JamesRyanOHughes" }
+    end
+  end
+end