The Structure of The Creditor Reference

The Creditor Reference is 25 characters long and alphanumeric. In the beginning there are two letters 'RF'. After it there are two check digits. Check digits will confirm that the reference will be entered correctly.

The remaining part of the Creditor Reference (up to 21 alfa-numberic character) is the Reference. The content of the creditor reference part can be determined without any restrictions.

Creditor Reference example RF ISO


  • RF identify ISO's Creditor Reference
  • CC Check digit. Two number. Either 0C or CC.
  • 43256216 is the reference - unique identifier of transaction

If Reference (XXXXXXX) is E.g. 6 marks long. The Creditor Reference helps identify 999.999 unique customer delivery. Using letter you can multiply it.

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