Before making any payment, you need a 16-digit Reference Number made up of:
[Payee Code — first 8 digits] + [Payment Code — next 8 digits
The order matters — reversing it will cause payment failure.
Each type of payment has its own unique 8-digit Payment Code. You need to find the correct one for your specific payment purpose.
Simply join both codes in the correct order:
[Payee Code (8 digits)] + [Payment Code (8 digits)] = Your 16-digit Reference Number
📌 For foreign remittances (programmes, projects, scholarships, donations from abroad): contact the Finance Branch before transferring to get the Account Number, Reference Number, and SWIFT code — the bank will not accept foreign payments without these.