An RFI is easier to answer when every document tells the same story. The company, counterparty, amount, currency, payment purpose, and source of funds should match across the transfer and its supporting records.
A bank RFI is a request for evidence about a company, counterparty, or payment. The fastest response is usually a short explanation followed by complete documents. Ten unrelated files without context make the review harder.
What the reviewer needs to confirm
The bank or EMI generally needs to understand who sends the money, who receives it, why it is being paid, whether the amount makes sense, where the money came from, and whether it fits the company's stated business.
Larger-than-usual deposits and new counterparties are more likely to need evidence.
The core document package
Invoice
Provide the full invoice. It should show both legal names, invoice number and date, goods or services, currency and amount, payment terms, and agreed bank details.
Signed contract
The contract should identify both parties, describe the relationship, and include signatures and dates. Include schedules or order forms if they contain the price or scope.
Bank statement
Use a statement showing the company name, bank, account details, relevant balance, and transaction history. It should connect the money to the revenue, loan, investment, or sale described in the explanation.
Wise lists statements, service agreements, financial statements, invoices, loan agreements, and investment agreements as examples.
For a large incoming deposit
Prepare the sender's legal name, country and registration number, sender bank, amount, currency, expected date, commercial reason, relationship between the parties, invoice, signed contract, and source-of-funds evidence when requested.
For investment proceeds, include the subscription agreement and ownership records where relevant. For a loan, include the signed loan agreement, purpose, repayment terms, and evidence that the lender funded the payment.
Revolut's guidance for large incoming business transfers similarly asks for documents showing the purpose, parties, dates, terms, amount, and signatures.
How to write the explanation
Use plain language:
April Corp Ltd expects EUR 240,000 from Buyer GmbH on 22 July 2026. The payment covers invoice AC-104 for industrial equipment under the signed supply agreement dated 4 June 2026. Buyer GmbH will send from its corporate account at Example Bank. The attached contract and invoice support the payment.
Do not write “consulting services” if the invoice describes software licenses. Do not call a shareholder contribution “customer revenue.” Inconsistency creates more questions.
Check the files before sending
- scans are complete and readable
- names, dates, amounts, and signatures are visible
- no page is missing
- files have clear names
- translations are included if requested
- nothing is edited or covered
A useful name is Invoice_AC-104_Buyer-GmbH_EUR-240000.pdf, not scan-final-2.pdf.
Responding through HEVN
Include the HEVN account, transaction reference, amount, currency, and one-paragraph explanation. If the request is unclear, ask which fact needs confirmation.
HEVN organises the response and passes it to the relevant partner. The bank or EMI controls the timeline and may ask follow-up questions. Complete documents reduce avoidable back-and-forth but do not guarantee approval.
How to answer an RFI in HEVN
- Open Payments and select the transaction marked for review.
- Open the Request for information notice.
- Read each question before uploading files.
- Add a short explanation linking the sender, beneficiary, amount, and purpose.
- Upload complete invoices, signed contracts, statements, and sender evidence.
- Submit the response and monitor the transaction status.
If the request concerns a large upcoming deposit rather than an existing payment, contact HEVN before the sender initiates it.
Need help preparing a large payment or RFI package? Book a call with the HEVN team.
