diff --git a/app/models/bank_transaction.rb b/app/models/bank_transaction.rb
index 69cf6fc2a..76ed9ae27 100644
--- a/app/models/bank_transaction.rb
+++ b/app/models/bank_transaction.rb
@@ -121,7 +121,8 @@ class BankTransaction < ApplicationRecord
   end
 
   def ref_number_from_description
-    match_data = /(\d{7})/.match(description)
-    match_data[0] if match_data.present?
+    (Billing::ReferenceNo::MULTI_REGEXP.match(description) || []).captures.each do |match|
+      break match if match.length == 7 || Registrar.where(reference_no: match).present?
+    end
   end
 end
diff --git a/app/models/billing/reference_no.rb b/app/models/billing/reference_no.rb
index 23812214c..849c06b85 100644
--- a/app/models/billing/reference_no.rb
+++ b/app/models/billing/reference_no.rb
@@ -1,6 +1,7 @@
 module Billing
   class ReferenceNo
     REGEXP = /\A\d{2,20}\z/
+    MULTI_REGEXP = /(\d{2,20})/
 
     def self.generate
       base = Base.generate