diff --git a/app/models/bank_transaction.rb b/app/models/bank_transaction.rb
index 7d3db208..fa1a3da5 100644
--- a/app/models/bank_transaction.rb
+++ b/app/models/bank_transaction.rb
@@ -36,7 +36,7 @@ class BankTransaction < ApplicationRecord
   def assign_to_invoice
     return false unless supplier
 
-    content = text
+    content = text || ""
     content += "\n" + reference if reference.present?
     invoices = supplier.invoices.unpaid.select { |i| content.include? i.number }
     invoices_sum = invoices.map(&:amount).sum
diff --git a/app/views/finance/bank_transactions/_transactions.html.haml b/app/views/finance/bank_transactions/_transactions.html.haml
index 389978b8..c3277893 100644
--- a/app/views/finance/bank_transactions/_transactions.html.haml
+++ b/app/views/finance/bank_transactions/_transactions.html.haml
@@ -19,7 +19,7 @@
       %tr
         %td= h link_to format_date(t.date), finance_bank_transaction_path(t)
         %td= h(t.text).gsub("\n", "<br>").html_safe
-        %td= h t.reference
+        %td= h(t.reference).gsub("\n", "<br>").html_safe
         %td.numeric{style: 'width:5em'}= format_currency t.amount
         %td
           - if t.financial_link