Add ISO 11649 check digits to a reference, or check whether an existing RF creditor reference is valid. Free, no signup required.
ISO 11649 defines a structured creditor reference: the letters RF, two check digits, and your own reference, such as an invoice number. The check digits are calculated with the MOD 97-10 algorithm, the same method used to check IBANs.
A valid checksum confirms that the reference passes the ISO 11649 structure check. It is a useful way to catch entry errors before you print or send the reference.
Checksum validity does not confirm that your bank or the recipient will accept it, or that a specific payment scheme supports RF references. Confirm with your bank or the recipient before relying on it.
It means the reference passes the ISO 11649 MOD 97-10 checksum. Confirm actual bank or scheme acceptance separately when it matters.
Yes. Enter your invoice number or another reference and generate the RF-prefixed version with check digits added.
You can continue to the SEPA payment QR generator and enter the reviewed reference as the structured payment reference.
Understand the related terms: Payment reference and IBAN.
