This is the process as i understood feom the bank customer service rep.:
- Upwork processes the transfer automatically undee your Upwork name with the account number and the bank swiftcode.
- When the bank receives the transfer; its staff do a quick check before actually enter the amount into your account. that is simply to check if the name is correct. (The two names matches or not).
- if the bank staff member suspects that there is a mistake; he either tries to reach the sender to confirm or he returns the amount to the sender directly. which means more fees and delays for you.
So if i were you i would request a name change from Upwork to the name you are going to open the account with to be sure. BTW, you would like to get your papers scaned to be sent with that request. ( passport for example)