The Reference Number can be found in the detailed bank statement, under the 'online banking' section. To know about the reference number of any transaction, you can also click on the 'transaction details' or 'narration' option in your bank account statement.. This depends if you're paying a person or a bill. If you're paying a friend or individual, you may not need a specific reference number. As long as you have their sort code and account number, the payment will go through to that person's bank account. In the reference field you could put something like 'birthday gift' or 'holiday money'.

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In India, "UTR number" means Unique Transaction Reference number. This number is used to identify a specific bank transaction in India. All banks in India use UTR numbers for all types of money transfer. Every UTR number is unique and each is generated to identify each fund transfer. UTR numbers in India are generated by the banks that.. Look for the number on your bank statement. If the transaction involves a bank transfer or debit/credit card payment, you should be able to find the transaction reference number on your bank statement. Contact customer service. If you are unable to locate the transaction reference number using the above methods, you can contact the customer.