00000005
Account unidentifiable without reference
RETAccount
Community Reference: This is an unofficial resource compiled from public banking documentation. Severity and behavior may vary by bank and payment provider. View sources.
The payment was returned because the receiving bank couldn't identify which account to credit without a specific payment reference. Some accounts require references to route funds correctly.
Common Causes
- •Missing payment reference
- •Collection account requires reference
- •Corporate account needs customer ID
- •Reference-dependent routing
What to Tell the Customer
“Your payment was returned because a reference is required. Please get the correct reference from the recipient and try again.”
How to Fix
- 1Obtain the required reference from the recipient
- 2Ensure reference is in the correct format
- 3Enter reference in the correct field
- 4Resend with the reference included