Payment Reference


#1

If I make a payment to the US will the recipient be able to see the extra reference?
If I make a SEPA payment to UK will the recipient be able to see my extra reference?


#2

Should be safe for SEPA payments. For US SWIFT payments, it’s really hard to predict. Too many middle men, and standards that are stitched together, legacy banking networks … it depends on a specific combination of sender and receiver. I would say: most likely, the reference should appear at the receiver’s end.