Normally the reference number will be attached to the transaction itself, so you would enter it at the same time as you entered the amount to send.
Seems others are having the issue with name not matching the number on that account. Maybe ask Wise for help?
https://community.hmrc.gov.uk/customerf ... 2248c89666
UK Pension & Voluntary Payments Questions
Re: UK Pension & Voluntary Payments Questions
I have Wise but have never used it for HMRC so can't help.snoogly wrote: ↑Wed Apr 30, 2025 4:16 am I am trying to pay class 3 contributions for 2024-2025 using Wise, but I am having trouble understanding how to enter the necessary information to carry out the transfer. Is there a ‘dummies’ guide anywhere explaining exactly how to use the Wise interface to pay such HMRC contributions?
I do Japanese bank account--> Wise --> NatWest --> HMRC.
A few more steps, but it has worked so far. Touch wood.
Aiming to retire at 60 and live for a while longer. 95% index funds (eMaxis Slim etc), 5% Japanese dividend stocks.