Most innocent payment reference?

[ramoged843]

What is the most innocent payment reference to indicate (and easy to explain to Bank‌ if requested) when one private person from makes ~8k EUR one-time transfer to another person's‍ bank account? Both parties are in Europe and using Banks/EMI.

 

[TravelAfficionado]

Is anything being provided in return? If nothing is being provided in return, it sounds‌ like a gift, in which case you could mark it as "gift". Check whether there‍ are any gift taxes payable.

 

[ramoged843]

Yes, there is service provided, but not possible to indicate that in reference 🙂 Gift reference‌ sounds too plain and worn out. Anything smarter?

 

[Marie Manila]

Plutonium - Weapon capable rof/%

Honestly, I never got asked by any bank for mid-range 4‌ digit transfers.
For EMIs it might be different.
Maybe you could use 2 different sender‍ and 2 different receiver accounts?
So every bank will just see a transfer of 4k⁠ EUR.

 

[avalanche]

loan for venture

 

[CaptK]

Hospital Bills, School fees, funeral donation or Dentist Bills. Works every time!! 😉

 

[GPT]

Love offering or voluntary donation works without consequences up to 25k.

 

[uplana]

I don't believe there is anything you can write in that field that let the‌ transfer go through if the bank or EMI has doubts on other parts say the‍ sender.