The Creditor Reference (ISO 11649) is an internationally standardised payment reference designed to replace unstructured remittance information. On Swiss QR-bills it is used when the creditor holds a regular IBAN (not a QR-IBAN).
Format: RF + 2-digit check digits + up to 21 alphanumeric characters.
Example: RF18 5390 0754 7034
The check digits are calculated using the same algorithm as the IBAN (ISO 7064 MOD-97-10), making the reference self-validating. It is carried in the QR Code field Reference with type SCOR.
Key facts
- Standard: ISO 11649
- Format:
RF+ 2 check digits + max 21 alphanumeric chars (max 25 total) - Used with: regular IBAN (not QR-IBAN)
- QR Code reference type:
SCOR - Internationally recognised — usable for cross-border invoices