The Creditor Reference (RF) is an international business standard based on ISO 11649. In Finland the RF reference must be formed from a valid Finnish reference number, so the structure is "RF" + two check digits + valid Finnish reference.
As from 18 November 2024, it is no longer necessary to use a Finnish creditor reference as the basis for generating an RF Creditor Reference. RF Creditor References may be freely formed in compliance with the ISO 11649 rules.
Example
Phase 1: Forming the Finnish reference number
- Basis of the reference: 12345
- Check digit for the Finnish reference number: 3
- Finnish reference number: 123453
Phase 2: Forming the Creditor Reference from the Finnish reference number
- Basis of the Creditor Reference: 123453
- Check digits for the Creditor Reference: 81
- Creditor Reference: RF81123453