RF Creditor Reference Calculator

How RF Creditor Reference Calculator Works?

The RF Creditor Reference Calculator adds RF00 to the reference and converts letters to numbers. It subtracts the remainder modulo 97 from 98. The result fills positions 3–4 of the ISO 11649 RF reference.

1. 1Enter the creditor's own reference (up to 21 alphanumeric characters).
2. 2Append R, F, 0, 0 to the end.
3. 3Replace letters with numbers (A = 10 … Z = 35, so R = 27 and F = 15).
4. 4Compute 98 − (number mod 97).
5. 5Write RF + 2 check digits + reference.

RF Creditor Reference Calculator Formula

The RF reference formula is Check = 98 − (num(reference + RF00) mod 97).

Check = 98 − (num(ref ‖ "RF00") mod 97)
RF reference = "RF" ‖ Check ‖ ref

• ref is the creditor reference.
• num() converts letters to 2-digit numbers.

539007547034 + RF00 → 539007547034271500
mod 97 = 80
Check = 98 − 80 = 18
RF reference = RF18 5390 0754 7034

RF Creditor Reference Calculator Conversion Table

The RF conversion table lists creditor references with their RF check digits.

What is RF Creditor Reference Calculator?

An RF Creditor Reference Calculator is a tool that builds an ISO 11649 structured creditor reference with valid RF check digits. The RF reference lets a creditor match incoming payments to invoices automatically.

RF references work in SEPA credit transfers across all SEPA countries and hold up to 25 characters including the RF prefix and check digits.

What are the uses of RF Creditor Reference Calculator?

There are 3 main uses of the RF Creditor Reference Calculator, including invoice references, automatic reconciliation, and payment slips.

• Invoice references: Billers print RF references on invoices.
• Automatic reconciliation: Accounting systems match payments by reference.
• Payment slips: Companies print RF references on QR and paper slips.