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.

Please note

  • References should include only letters and numbers.
  • References are not available for international payees.
Last updated: September 07, 2020

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