Nordic Payment Reference Generator
One tool for the four payment references Nordic invoicing runs on: the Norwegian KID-nummer, the Swedish OCR-nummer with its Luhn check digit and optional length digit, the Finnish viitenumero, and the pan-European ISO 11649 RF Creditor Reference. Enter a base number to get the finished reference with the correct check digit, or switch to validate mode and paste an existing reference to find out whether it is genuine.
Reference standard
Norwegian KID-nummer: your base number plus a mod-10 (Luhn) or mod-11 control digit, 2-25 digits in total.
What do you want to do?
Usually your invoice number, or a customer number followed by an invoice number. Digits only.
Control-digit algorithm
The common default. Every base number can carry a mod-10 digit.
KID
Your reference will appear here
Type a base number on the left - the check digit is calculated as you type.
Why invoices need a reference number at all
When a customer pays, the bank tells you an amount and a date - not which invoice it settles. A payment reference solves that: it is your invoice number with a check digit glued onto the end, so that a single mistyped digit is caught immediately instead of silently crediting the wrong customer. Every Nordic country invented its own flavour of the same idea, and ISO 11649 later standardised a version that works across all of Europe.
| Reference | Country | Check digit | Length |
|---|---|---|---|
| KID | Norway | Mod 10 (Luhn) or mod 11 | 2-25 digits |
| OCR-nummer | Sweden | Mod 10 (Luhn), optional length digit | 2-25 digits |
| Viitenumero | Finland | Weights 7-3-1 from the right | 4-20 digits |
| RF reference | All of SEPA | ISO 7064 mod 97-10 | 5-25 characters |
Every algorithm here was verified against the published reference numbers in Finanssiala ry's Pankkiviivakoodi-opas (which lists eighteen worked test invoices with their viitenumero and RF equivalents) before this tool shipped.
अक्सर पूछे जाने वाले प्रश्न
Hvordan bruker jeg denne KID nummer generator - mod 10 eller mod 11?
Pick whichever your bank agreed with you when the KID series was set up; it is a per-agreement choice, not a national rule. Mod 10 is the Luhn algorithm and works for any base number. Mod 11 uses the weights 2-3-4-5-6-7 repeating from the right, and a small share of base numbers would need a control digit of 10, which does not exist - the tool tells you when that happens so you can change the last digit or fall back to mod 10.
Hur fungerar en OCR-nummer generator kontrollsiffra med längdkontroll?
Without length control the OCR number is just your reference plus a Luhn check digit. With Bankgirot's hard length control, a length digit is inserted first: it is the last digit of the finished number's total length. So a reference of 1234 becomes 123463 - base 1234, length digit 6 because the whole thing is six digits long, then the Luhn check digit 3. Turn it on if your Bankgiro agreement specifies hard control, because the bank will reject references without it.
Miten viitenumero laskuri laskee tarkistusnumeron?
The digits of your base number are weighted 7, 3 and 1 repeating from right to left, the products are summed, and the check digit is whatever you must add to reach the next multiple of ten. A base of 86851625961989 gives the finished reference 868516259619897. A Finnish reference is 4 to 20 digits including the check digit, leading zeros are never printed, and it is conventionally shown in groups of five from the right.
What does an RF creditor reference generator actually add to my invoice number?
ISO 11649 takes your existing reference, appends the literal text RF00, converts letters to numbers (A=10 through Z=35), takes the remainder modulo 97 and subtracts it from 98. Those two digits become the check digits after the RF prefix, so 539007547034 becomes RF18 5390 0754 7034. Because the whole reference validates with the same mod-97 rule as an IBAN, any European bank can check it without knowing anything about your invoicing.
Can I check whether a KID or OCR number I received is real?
Yes - switch the tool to Validate and paste the reference. It recomputes the check digit and reports a match or a mismatch. For a KID it tells you which algorithm the number satisfies, and for a Swedish OCR number it also reports separately whether the length digit is present and correct, since a number can pass soft control while failing hard control.
Which reference should I use for a customer in another country?
The RF Creditor Reference. KID, OCR and viitenumero are each recognised only by banks in their own country, so a Norwegian KID pasted into a German transfer form is just free text. An RF reference is defined by ISO 11649, is understood everywhere in SEPA, and drops straight into the structured-reference field of a SEPA payment QR code.