If you wish to make regular payments to the same beneficiary quoting different reference numbers, it is industry standard practice to create multiple beneficiaries, each quoting the required reference. Alternatively, if you wish to amend the reference on an existing beneficiary for future payments, you can do so using the beneficiaries menu but do remember to authorise the changes using the ‘Awaiting Authorisation’ screen, before making any payments. Once a Beneficiary ‘template’ has been created it will not automatically update if you change a reference when processing an individual payment but the money will reach the destination quoting the reference you enter.