1163
Account cannot be identified without reference
REJAccount
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 receiving account requires a specific reference number to identify where to credit the funds. Without this reference, the bank cannot process the payment. Common with loan repayments, utility bills, and corporate accounts.
Common Causes
- •Missing mandatory payment reference
- •Payment to a collection account without customer reference
- •Corporate account requires specific reference format
- •Reference field left blank or contains invalid characters
What to Tell the Customer
“This payment requires a reference number. Please check with the recipient for the correct reference to use.”
How to Fix
- 1Obtain the correct payment reference from the beneficiary
- 2Ensure the reference is entered in the correct field
- 3Check for any specific format requirements (numbers only, etc.)
- 4Retry the payment with the reference included