Why when I make a payment with a specific reference for the transaction it does not show up on my monthly statement? When you hover your mouse over the question mark next your reference, it says this reference will appear in your statement but it definitely does not. Am I missing something or are you just expected to reconcile your monthly payments using the proof of payment instead of our bank statement? If so, that's ridiculous. Reconciling invoices from bank statements is common practice and it seems to be that Standard Bank have not thought this through.