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Reference number

Estonian reference number, made or checked

Type an invoice or client number and get the reference number banks check, with its RF form. Or check one you were given. No sign-up.

What to do

Reference number

12344

International (RF)
RF0812344

What a reference number is

A number the payer writes into the transfer so the payee recognises the payment without reading the description. Estonian banks check it, and an accounting program matches the payment to its invoice by it.

How it is made

The base digits are weighted 7, 3, 1, 7, 3, 1 from the right, the products are added, and the check digit is what takes the sum to the next multiple of ten. Base 1234 gives 12344.

RF reference

The international form (ISO 11649) starts with RF and two check digits. Banks in the euro area accept it, so it suits a client abroad.

Frequently asked questions

  • From 2 to 20 digits, the check digit included.

  • Yes. Make a list for the client codes and the payment shows whose it is, whatever the description says.

  • The payment still arrives; it has to be matched by hand, by the name and the sum.

All questions in the help centre

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