A bank reference is a confirmation of your money transfer. 

You can view the confirmation of the money transfer at the end of the process, on the bank's website or app, and then upload a copy of the confirmation with a screenshot, or by requesting the document from a representative at the bank in order to complete your order. The reference picture should include the beneficiary name, bank details, date and your order's number (which can be added as a comment).

What is a reference number?

A reference number is a bank approval number for the money transferred from your bank account to Bits of Gold's bank account.