When completing a transfer, what are the Description and Reference fields used for?
The Description field is used to explain what the payment is for. You can use up to 280 characters in this field. This field is visible for both the sender and the recipient.
The Reference field is a short description that can be used for things like providing a receipt or invoice number for your records. This field is visible for the sender only.
https://www.beyondbank.com.au/need-help/what-are-description-and-reference-fields-on-mobile-banking