What Is a Reference Number

Alessandro G
Alessandro G
  • Updated

The reference number is the number located underneath the Beneficiary details and above the notice in the purple box.

EurDep2.jpg

With the reference number, we are able to make sure your SWIFT deposit will go directly into your SwissBorg app account as fast as possible by identifying you in the system. Please make sure you use it every time.

If you happen to send money without the reference number, we will not know to whom the deposit belongs. This would then require an investigation on our side, which could take a long time, further delaying the arrival of your deposit.

Think of it this way. Sending money without the reference number is the same as putting a 2'000 EUR package in front of the bank door without any details about the receiver. The bank will not know into which bank account the money should go.

You can read more about the topic in the missing reference number help centre article.

The reference is currently needed only for the following currencies:

  • EUR (for Global Transfers only)
  • GBP (for Global Transfers only)
  • AED
  • CAD
  • HKK
  • ILS
  • SGD

What if my bank doesn't have a reference number?

In different banks and their apps, the reference number might have a different name. Some common examples include: 

  • Reason for payment

  • Message for the beneficiary

  • Title

  • Transfer title

  • Line reserved for communication

  • Transfer notification/statement/communication

  • Their Reference/Recipient Reference

  • Subject

  • Recipient Message

  • Description

Below, you can see screenshots of different banking apps and the naming they use for the reference number field.

Airsoft France

Airsoft_France.jpg

BCF - Banque Cantonale de Fribourg

BCF.png

BNP Paribas

bnp_barnas.jpg

Boursorama Banque

Screenshot_Boursorama_pour_SwissBorg_-_Augustin_Delille.jpg

 

Caisse D'epargne

Screenshot_2022-04-27_at_16.28.26.png

Comdirect

cyber_investor.jpg

Credit Agricole
credit_agricole.png

 

Credit Suisse

Cr_dit_Suisse.png

Crédit Mutuel

Screenshot_2022-04-27_at_16.31.20.png

Ersparniskasse Schaffhausen AG

Ersparniskasse_Schaffhausen_AG.jpg

FNB (First National Bank)

Screenshot_2022-04-27_at_16.32.32.png

 

Fortuneo

virement_sb_fortuneo_-_Pierre_M.jpg

HELLO BANK

HelloBank_-_Lotfi_HADJI.jpg

 

ING

ING.jpg

Intesa Sanpaolo

Intesa_Sanpaolo_1.jpg

mBank

mBank.png

Monzo

Monzo_bank_ref_code.png

 

 

N26 France

N26.png

NEON

NEON.png

 

Nordea Finland

nordea_reference.jpg

 

OTP Bank

OTP_Bank__Hungary__HUF_.png

 

PKO BP

PKO_BP.png

 

 

 

Raiffeisen

Raiffeisen.jpg

 

Santander

santander-1.jpg

 

Société Générale

Soci_t__G_n_rale.jpg

UBS

Screenshot_2021-02-02_at_20.18.31.png

 

Your banking app is not on the list? Send us screenshots, tell us what the reference number field is called in your app, and we'll add it to the article. Happy investing with SwissBorg!