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Mandatory
This field contains the reference for the account owner (Receiver), for example, field 21, from the SWIFT message which resulted in this credit.
This field must not start or end with a slash '/' and must not contain two consecutive slashes '//' (Error code(s): T26).
This reference must be copied unchanged from the inward message that caused the credit on the account, for example, field 20 of a received MT 103, or field 21 of the MT 202 (or MT 205) or MT 202 COV (or MT 205 COV) must be copied unchanged to this field.