What is an international RF creditor reference (ISO 11649)?

The ISO 11649 standard prepends 'RF' followed by two modulo-97 check digits to a national reference number. It allows seamless, automated payment reconciliation across European SEPA bank transfers.

How long can a Finnish reference number be?

A domestic Finnish reference number consists of 3 to 19 base digits plus 1 check digit, giving a total length between 4 and 20 digits.

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Invoicing Standards

Reference Number Calculator: Finnish 7-3-1 & International RF

Generate official Finnish domestic reference numbers (7-3-1 algorithm) and international ISO 11649 RF references for B2B invoices.

Base Number / Invoice Number (3–19 digits)

Finnish Domestic Reference (7-3-1)

1 00256

International RF Reference (ISO 11649)

RF71 1002 56

Usein kysytyt kysymykset

Vastauksia yleisimpiin kysymyksiin laskennasta, säännöistä ja käytännöistä.

The Finnish domestic banking standard calculates a check digit by weighting base numbers from right to left with repeating weights of 7, 3, and 1. The sum is subtracted from the next multiple of ten to determine the final check digit.