diff --git a/src/libs/ReportNameUtils.ts b/src/libs/ReportNameUtils.ts
index e8b54650ddcd..85fe5ee0e42c 100644
--- a/src/libs/ReportNameUtils.ts
+++ b/src/libs/ReportNameUtils.ts
@@ -736,7 +736,7 @@ function computeReportNameBasedOnReportAction(
 
     if (isMoneyRequestAction(parentReportAction)) {
         const originalMessage = getOriginalMessage(parentReportAction);
-        const last4Digits = reportPolicy?.achAccount?.accountNumber?.slice(-4) ?? '';
+        const last4Digits = originalMessage?.accountNumber?.slice(-4) ?? reportPolicy?.achAccount?.accountNumber?.slice(-4) ?? '';
 
         if (originalMessage?.type === CONST.IOU.REPORT_ACTION_TYPE.PAY) {
             if (originalMessage.paymentType === CONST.IOU.PAYMENT_TYPE.ELSEWHERE) {
diff --git a/src/pages/inbox/report/actionContents/PaymentContent.tsx b/src/pages/inbox/report/actionContents/PaymentContent.tsx
index 7de016892c0a..9934ea5ebb78 100644
--- a/src/pages/inbox/report/actionContents/PaymentContent.tsx
+++ b/src/pages/inbox/report/actionContents/PaymentContent.tsx
@@ -39,7 +39,7 @@ function PaymentContent({action, policyID}: PaymentContentProps) {
     }
 
     if (paymentType === CONST.IOU.PAYMENT_TYPE.VBBA) {
-        const last4Digits = getBankAccountLastFourDigits(originalMessage.bankAccountID, bankAccountList, policy);
+        const last4Digits = originalMessage.accountNumber?.slice(-4) ?? getBankAccountLastFourDigits(originalMessage.bankAccountID, bankAccountList, policy);
         const crossBorderMessage = getCrossBorderReimbursedMessage(translate, originalMessage, last4Digits);
         if (wasAutoPaid) {
             const translation = crossBorderMessage ?? translate('iou.automaticallyPaidWithBusinessBankAccount', '', last4Digits);
diff --git a/tests/ui/ReportActionItemTest.tsx b/tests/ui/ReportActionItemTest.tsx
index 3443313b7fcf..edf070cc486f 100644
--- a/tests/ui/ReportActionItemTest.tsx
+++ b/tests/ui/ReportActionItemTest.tsx
@@ -24,7 +24,7 @@ import CONST from '@src/CONST';
 import type {TranslationPaths} from '@src/languages/types';
 import * as ReportActionUtils from '@src/libs/ReportActionsUtils';
 import ONYXKEYS from '@src/ONYXKEYS';
-import type {BankAccountList, ReportAction} from '@src/types/onyx';
+import type {BankAccountList, Report, ReportAction} from '@src/types/onyx';
 import type {OriginalMessage} from '@src/types/onyx/ReportAction';
 import type ReportActionName from '@src/types/onyx/ReportActionName';
 
@@ -1949,6 +1949,54 @@ describe('ReportActionItem', () => {
             expect(screen.getByText(/paid with bank account/i)).toBeOnTheScreen();
         });
 
+        it('IOU PAY VBBA manual prefers originalMessage accountNumber over current policy account', async () => {
+            const policyID = 'snapshot-policy';
+            await act(async () => {
+                await Onyx.merge(`${ONYXKEYS.COLLECTION.POLICY}${policyID}`, {
+                    id: policyID,
+                    achAccount: {
+                        accountNumber: 'XXXX2222',
+                    },
+                });
+            });
+            await waitForBatchedUpdatesWithAct();
+
+            const action = createReportAction(CONST.REPORT.ACTIONS.TYPE.IOU, {
+                type: CONST.IOU.REPORT_ACTION_TYPE.PAY,
+                paymentType: CONST.IOU.PAYMENT_TYPE.VBBA,
+                automaticAction: false,
+                accountNumber: 'XXXX1111',
+            });
+            const report = {
+                reportID: 'testReport',
+                ownerAccountID: ACTOR_ACCOUNT_ID,
+                policyID,
+            } as Report;
+
+            render(
+                <ComposeProviders components={[OnyxListItemProvider, LocaleContextProvider, HTMLEngineProvider]}>
+                    <ScreenWrapper testID="test">
+                        <PortalProvider>
+                            <ReportActionItem
+                                chatReport={undefined}
+                                report={report}
+                                transactionThreadReport={undefined}
+                                parentReportAction={undefined}
+                                action={action}
+                                displayAsGroup={false}
+                                shouldDisplayNewMarker={false}
+                                isFirstVisibleReportAction={false}
+                            />
+                        </PortalProvider>
+                    </ScreenWrapper>
+                </ComposeProviders>,
+            );
+            await waitForBatchedUpdatesWithAct();
+
+            expect(screen.getByText(/1111/)).toBeOnTheScreen();
+            expect(screen.queryByText(/2222/)).toBeNull();
+        });
+
         it('IOU PAY VBBA automatic renders auto-paid message', async () => {
             await act(async () => {
                 // eslint-disable-next-line @typescript-eslint/naming-convention
diff --git a/tests/unit/ReportNameUtilsTest.ts b/tests/unit/ReportNameUtilsTest.ts
index f26c2583a7e6..e5725fa148d9 100644
--- a/tests/unit/ReportNameUtilsTest.ts
+++ b/tests/unit/ReportNameUtilsTest.ts
@@ -470,6 +470,60 @@ describe('ReportNameUtils', () => {
             );
             expect(name).toBe(expected);
         });
+        test('VBBA pay parent action uses action accountNumber before current policy account', () => {
+            const policyID = '123';
+            const thread: Report = {
+                ...createWorkspaceThread(61),
+                policyID,
+            };
+            const parentAction: ReportAction<typeof CONST.REPORT.ACTIONS.TYPE.IOU> = {
+                actionName: CONST.REPORT.ACTIONS.TYPE.IOU,
+                reportActionID: String(thread.parentReportActionID),
+                message: [],
+                created: '',
+                lastModified: '',
+                actorAccountID: 1,
+                person: [],
+                originalMessage: {
+                    type: CONST.IOU.REPORT_ACTION_TYPE.PAY,
+                    paymentType: CONST.IOU.PAYMENT_TYPE.VBBA,
+                    accountNumber: 'XXXX1111',
+                },
+            };
+
+            const reportActionsCollection: Record<string, ReportActions> = {
+                [`${ONYXKEYS.COLLECTION.REPORT_ACTIONS}${thread.parentReportID}`]: {
+                    [String(thread.parentReportActionID)]: parentAction,
+                },
+            };
+            const policiesCollection: Record<string, Policy> = {
+                [`${ONYXKEYS.COLLECTION.POLICY}${policyID}`]: {
+                    ...createRandomPolicy(Number(policyID), CONST.POLICY.TYPE.TEAM),
+                    id: policyID,
+                    achAccount: {
+                        bankAccountID: 1,
+                        accountNumber: 'XXXX2222',
+                        routingNumber: '',
+                        addressName: '',
+                        bankName: '',
+                        reimburser: '',
+                    },
+                },
+            };
+
+            const name = computeReportName(
+                thread,
+                emptyCollections.reports,
+                policiesCollection,
+                undefined,
+                undefined,
+                participantsPersonalDetails,
+                reportActionsCollection,
+                currentUserAccountID,
+            );
+
+            expect(name).toBe(translate(CONST.LOCALES.EN, 'iou.businessBankAccount', undefined, '1111'));
+        });
         test('Cross-border pay parent action', () => {
             // Given a thread on a payment that converted currency for the employee
             const thread: Report = createWorkspaceThread(60);