Introducing of some annoying questions when making ext. transactions

@Iskender Hi, there is no legal necessity for ‘payment reference’ filled, at least not in Germany. On the contrary I have got massive problems at the moment, because Revolut changes the reference provided at Swift and local transfers (beyond SEPA) as one can see at wrong payment reference in Swift or local transfers causes big problems (not in SEPA transfer)

Therefore I would mostly support Frank’s proposal of confirmation prompt “do you want to send this without reference? Yes/no" definitely …