[bemmu]

I have paid through bank transfers a lot in Japan. Instead of just needing a name and an account number, additionally you need to know name of receiving bank and the branch of that bank the recipient uses.

Looking at the last two payments I made, it seems reference codes are not used. How the businesses know which order a payment relates to is a bit mysterious to me. I suppose someone looks at the accounts and tries to match by sender name and date.