Girlfriend & I use different banks. We transfer money between us from
time to time. When she sends me money, when I look at my account
online, in the narrative bit, I get her sort & account details and I get
meaningless text ("000000 INTERN 9270") in what might otherwise be the
reference for the received payment. When I send her money I can add a
reference, but it doesn't get passed across when she sees the payment in
her account, all she gets is my name (and not the reference I added)

Sister & I use same bank, when either of us send money and add a
reference, that reference gets noted beside the payment details in both
accounts (sending and receiving).

Are there any guidelines (APACS?) as to what should happen to any
payment reference. Within the same bank it's not really an issue. The
issue arises when it's between different banks.

I wonder what happens when I pay my (mythical) gas bill for example. I
send a payment to British Gas (for example) and add a reference to the
payment of my British Gas account number (otherwise how will BG tie up
my payment with my BG account compared to their other customers). I am
assuming BG don't have their account with the same bank as me.

Any thoughts?

It's not a problem, it would be useful to have, and I'm mildly curious
as to how the "reference" bit of the payment works, especially between
different banks.

TIA

Allan

On 17 June, 10:42, Allan wrote:
Girlfriend & I use different banks. *We transfer money between us from
time to time. *When she sends me money, when I look at my account
online, in the narrative bit, I get her sort & account details and I get
meaningless text ("000000 INTERN 9270") in what might otherwise be the
reference for the received payment. *When I send her money I can add a
reference, but it doesn't get passed across when she sees the payment in
her account, all she gets is my name (and not the reference I added)

Sister & I use same bank, when either of us send money and add a
reference, that reference gets noted beside the payment details in both
accounts (sending and receiving).

Are there any guidelines (APACS?) as to what should happen to any
payment reference. *Within the same bank it's not really an issue. *The
issue arises when it's between different banks.

I wonder what happens when I pay my (mythical) gas bill for example. *I
send a payment to British Gas (for example) and add a reference to the
payment of my British Gas account number (otherwise how will BG tie up
my payment with my BG account compared to their other customers). *I am
assuming BG don't have their account with the same bank as me.

Any thoughts?

It's not a problem, it would be useful to have, and I'm mildly curious
as to how the "reference" bit of the payment works, especially between
different banks.


The reference field will still be there, its just that different banks
desplay details differently in their online banking/statements. A
cashier/call center worker will be able to pull up the reference if
you really need it.

I think we can asume British gas isn't using consumer internet banking
to check whos paid them and probably get a full data feed from their
bank.

On 19 June, 12:19, Peter King wrote:
On 17 June, 10:42, Allan wrote:





Girlfriend & I use different banks. *We transfer money between us from
time to time. *When she sends me money, when I look at my account
online, in the narrative bit, I get her sort & account details and I get
meaningless text ("000000 INTERN 9270") in what might otherwise be the
reference for the received payment. *When I send her money I can add a
reference, but it doesn't get passed across when she sees the payment in
her account, all she gets is my name (and not the reference I added)

Sister & I use same bank, when either of us send money and add a
reference, that reference gets noted beside the payment details in both
accounts (sending and receiving).

Are there any guidelines (APACS?) as to what should happen to any
payment reference. *Within the same bank it's not really an issue. *The
issue arises when it's between different banks.

I wonder what happens when I pay my (mythical) gas bill for example. *I
send a payment to British Gas (for example) and add a reference to the
payment of my British Gas account number (otherwise how will BG tie up
my payment with my BG account compared to their other customers). *I am
assuming BG don't have their account with the same bank as me.

Any thoughts?

It's not a problem, it would be useful to have, and I'm mildly curious
as to how the "reference" bit of the payment works, especially between
different banks.

The reference field will still be there, its just that different banks
desplay details differently in their online banking/statements. A
cashier/call center worker will be able to pull up the reference if
you really need it.

I think we can asume British gas isn't using consumer internet banking
to check whos paid them and probably get a full data feed from their
bank.

I would have thought the purpose of giving a reference would be for
the convenience of the people receiving the money. If you have to call
the bank and go through the security rubbish it reduces the
efficiency. I've never thought that people in banks have any brains so
this would seem to be another example that indicates that is the case.

On 19 June, 13:38, PeterSaxton wrote:
On 19 June, 12:19, Peter King wrote:



On 17 June, 10:42, Allan wrote:

Girlfriend & I use different banks. *We transfer money between us from
time to time. *When she sends me money, when I look at my account
online, in the narrative bit, I get her sort & account details and I get
meaningless text ("000000 INTERN 9270") in what might otherwise be the
reference for the received payment. *When I send her money I can add a
reference, but it doesn't get passed across when she sees the payment in
her account, all she gets is my name (and not the reference I added)

Sister & I use same bank, when either of us send money and add a
reference, that reference gets noted beside the payment details in both
accounts (sending and receiving).

Are there any guidelines (APACS?) as to what should happen to any
payment reference. *Within the same bank it's not really an issue. *The
issue arises when it's between different banks.

I wonder what happens when I pay my (mythical) gas bill for example. *I
send a payment to British Gas (for example) and add a reference to the
payment of my British Gas account number (otherwise how will BG tie up
my payment with my BG account compared to their other customers). *I am
assuming BG don't have their account with the same bank as me.

Any thoughts?

It's not a problem, it would be useful to have, and I'm mildly curious
as to how the "reference" bit of the payment works, especially between
different banks.

The reference field will still be there, its just that different banks
desplay details differently in their online banking/statements. A
cashier/call center worker will be able to pull up the reference if
you really need it.

I think we can asume British gas isn't using consumer internet banking
to check whos paid them and probably get a full data feed from their
bank.

I would have thought the purpose of giving a reference would be for
the convenience of the people receiving the money. If you have to call
the bank and go through the security rubbish it reduces the
efficiency. I've never thought that people in banks have any brains so
this would seem to be another example that indicates that is the case.

I agree, you'd have though that it would have been considered a
important field to include when they designed their internet banking
front ends. Most banks appear to have taken the view that it wasn't
important for consumers though.