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

Note: the reference remains the same for all payments

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.