What is a payee reference?
A payee reference is a message you can include alongside a payment to help the payee identify it.
The reference may include details to help the receiver recognise:
- You as the sender; and /or
- The reason for the transfer
For example, if you're repaying a friend who purchased tickets to an event, you may use “John tickets” as the payee reference.
Advice for paying bills
If setting up a bill we advise confirming with the company which reference to use. For example:
- A customer reference; or
- An invoice number
Your Bank of Ireland credit card reference should always be the long 16-digit number on the front of your MasterCard.
- References should include only letters and numbers.
- References are not available for international payees.