What is a Reference Number

The Reference Number is the number above the purple box you can see in the screenshot below.

It allows us to identify you in the system and to make sure that your deposit will go directly into your Wealth App account as fast as possible. Make sure you use it every time. Sending money without the reference is the same as putting a 2000 EUR package in front of the bank door without any details about the receiver. Without it, we will not know whom this deposit belongs to. We'll have to do an investigation which can take a long time for your deposit to arrive. You can see more details in the missing reference number article. 

How is it called in my bank? 

In different bank apps it can have a different name, for example: 

• Reason for payment;
• Message for the beneficiary;
• Title;
• Transfer title;
• Ligne reserved for communication;
• Transfer notification/statement/communication;
• Their Reference / Recipient Reference;
• Subject;
• Recipient Message;
• Description.

Now, let's take a look at a few UI examples. 

Credit Agricole

Credit Suisse

FNB (First National Bank)

ING

Intesa Sanpaolo

mBank

Monzo

Nordea Finland

OTP Bank

PKO BP

postfinance

Raiffeisen

Revolut

Santander

UBS

Airsoft France

Boursorama Banque

Comdirect

Basler Kantonalbank

Fortuneo

Your bank app is not on the list? Send us the screenshots of your e-banking portal and tell us how the reference field is named in your bank app and we'll add it to the article. Happy investing with SwissBorg!