I know what you’re refering to, but that’s also possible with a wire-transfer (Banküberweisung).
I also understand the details requiring some additional information as it’s “pay to Credit-Suisse, receipient: revolut”, BUT:
is there a reason why the reference-number isn’t sufficient to allocate the sent money?
Answer: maybe. Because it’s just “a number”, and typos - especially when entered in a cellphone-app - happen very fast.
The solution though isn’t “enter commas, which isn’t always supported”, or “enter several lines”, especially, since the “local topup” is only an option for people living in switzerland, not “enter the country-code of the account owner”.
But a unique alpha-numeric sequence. IN ONE LINE, without “special characters”.
(@AndreasK and all the other - officials: feel free to use following lines as feedback and solution to the issue!)
Eg. a mix between “customer-number”, initials and some random-values. eg. “12345 AbCd 12rd” (dashes or blanks are supported, ask credit suisse if need be). The sequence shouldn’t be overly complicated or too long but easy, and as small as possible - yet unique and set up so that no sequence matches the other; so only payments who do NOT match the number get rejected, and a typo doesn’t lead to a missallocation of funds.
Edit: and as revolut atm is no alternative to swiss banks (salarys can’t be paied to revolut as they require accounts that “belong to the receipient” and not some 3rdparty), it couldn’t harm to make the “local transfer” “from the account-owner himself only”, as in “revolut-accountholders address must match the details of the money-sender”…
OR, to be honest, several banks in CH are handing out personal CH-IBANs. maybe THAT would be the easier way to go for all in the long run after all, solving all kinds of issues…?