Where do I get a reference number when paying online?
If you're paying a friend or individual, you may not need a specific reference number. As long as you have the sort code and account number the payment will go through to that person's bank account. In the reference field you could put something like 'birthday gift' or 'holiday money'.
If you're paying a bill issued by a company, for example a gas bill or credit card bill, the company receiving the money will need you to quote a specific reference so that they can identify the money has come from you.
For a gas or electricity bill, for example, the reference will be your customer number, which is on your bill. For a credit card it will be your credit card number. Many bills will tell you what details you need to quote when paying your bill in Online Banking. If you're unsure, the company you're paying will be able to tell you. Once you've got the reference number, you can pay your bill with Online Banking and save the details so that it will be even easier the next time.