diff --git a/BankingClientModel/src/commonMain/kotlin/net/codinux/banking/client/model/AccountTransaction.kt b/BankingClientModel/src/commonMain/kotlin/net/codinux/banking/client/model/AccountTransaction.kt
index 521da432..95e9f6af 100644
--- a/BankingClientModel/src/commonMain/kotlin/net/codinux/banking/client/model/AccountTransaction.kt
+++ b/BankingClientModel/src/commonMain/kotlin/net/codinux/banking/client/model/AccountTransaction.kt
@@ -7,7 +7,7 @@ import net.codinux.banking.client.model.config.NoArgConstructor
 open class AccountTransaction(
     val amount: Amount = Amount.Zero,
     val currency: String,
-    val reference: String, // Alternative: purpose (or Remittance information)
+    val unparsedReference: String, // Alternative: purpose (or Remittance information)
 
     /**
      * Transaction date (Buchungstag) - der Tag, an dem ein Zahlungsvorgang in das System einer Bank eingegangen ist.
@@ -62,5 +62,9 @@ open class AccountTransaction(
     var category: String? = null,
     var notes: String? = null,
 ) {
+
+    val reference: String
+        get() = sepaReference ?: unparsedReference
+
     override fun toString() = "${valueDate.dayOfMonth}.${valueDate.monthNumber}.${valueDate.year} ${amount.toString().padStart(4, ' ')} ${if (currency == "EUR") "€" else currency} ${otherPartyName ?: ""} - $reference"
 }
\ No newline at end of file