Bank Reference Letter, Sample & Format


A bank reference letter is a letter for affirming that you are their customer for a certain period of years. A bank reference should also confirm that banking relationship has been acceptable, without any defaults from your part.  A bank reference is an informative letter, stating that the bank knows you for certain period of time as a decent customer. It is written by the bank to provide assurance to a third party requesting information about one of the bank’s clients. This bank reference letter serves to establish the relationship between the bank and its customers so that the financial status of the client is established to enable further business collaborations.

A bank reference, also known as a banker’s reference, is a statement from a bank regarding one of its customers, saying whether he or she is able to meet a specific financial commitment. A supplier who is trying to decide whether to agree to credit terms for a new customer will usually ask for a bank reference.

Sample Letter

Below is the sample for a bank reference letter.


Dora Linton

Bank Manager

First Chartered Bank


1096 Jody Road
Fort Washington, PA 19034

To Whom It May Concern

RE: Reference letter for Bayer Industry

This letter confirms that Bayer Industry of 1753 Bryan Street, Lexington, NC 27292 is one of the bank’s loyal customers in good standing.

Our records state that Bayer Industry has been established since 2001 and has been conducting businesses with our bank satisfactorily over these years. The said client has taken a couple of loans over the years of which all have been fully redeemed. They have never delayed in making a payment and they are one of our esteemed clients. Bayer Industry seems stable in its cash flow with a five figure balance in its account with this bank.

To date, the highest credit limit extended to Bayer Industry was $100,000.

I am sure Bayer Industry will be as worthy a customer to you as it is to us. I am sure you will fully agree with us after a few years of business with them.


Dora Linton

Bank Manager

First Chartered Bank

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