diff --git a/src/components/AddMoney/components/AddMoneyBankDetails.tsx b/src/components/AddMoney/components/AddMoneyBankDetails.tsx
index 7cbf2592d..12e3bac39 100644
--- a/src/components/AddMoney/components/AddMoneyBankDetails.tsx
+++ b/src/components/AddMoney/components/AddMoneyBankDetails.tsx
@@ -105,6 +105,11 @@ export default function AddMoneyBankDetails(props: AddMoneyBankDetailsProps) {
     const amount = isAddMoneyFlow ? (amountFromUrl ?? '') : requestFulfilmentOnrampData?.depositInstructions?.amount
     const onrampData = isAddMoneyFlow ? onrampContext.onrampData : requestFulfilmentOnrampData
 
+    // The single source for every surface that hands the reference to the user
+    // (display, copy, share, summary). Bridge can't reconcile a wire sent with
+    // anything short of the full depositMessage — never truncate or format it.
+    const depositReference = onrampData?.depositInstructions?.depositMessage
+
     const currencySymbolBasedOnCountry = useMemo(() => {
         // symbol of the detected onramp currency (e.g., €, $)
         return getCurrencySymbol(onrampCurrency)
@@ -236,7 +241,7 @@ ${routingLabel}: ${routingValue}`
         }
 
         bankDetails += `
-Deposit Reference: ${onrampData?.depositInstructions?.depositMessage?.slice(0, 10) || 'Loading...'}
+Deposit Reference: ${depositReference}
 
 Please use these details to complete your bank transfer.`
 
@@ -273,15 +278,12 @@ Please use these details to complete your bank transfer.`
                 <Card className="p-4">
                     <p className="text-xs font-normal text-gray-1">Deposit reference</p>
                     <div className="flex items-baseline gap-2">
-                        <p className="text-xl font-extrabold text-black md:text-4xl">
-                            {onrampData?.depositInstructions?.depositMessage?.slice(0, 10) || 'Loading...'}
+                        {/* break-all handles the visual overflow of the full reference */}
+                        <p className="break-all text-xl font-extrabold text-black md:text-4xl">
+                            {depositReference || 'Loading...'}
                         </p>
-                        {onrampData?.depositInstructions?.depositMessage && (
-                            <CopyToClipboard
-                                textToCopy={onrampData.depositInstructions.depositMessage?.slice(0, 10)}
-                                fill="black"
-                                iconSize="4"
-                            />
+                        {depositReference && (
+                            <CopyToClipboard textToCopy={depositReference} fill="black" iconSize="4" />
                         )}
                     </div>
 
@@ -416,7 +418,7 @@ Please use these details to complete your bank transfer.`
                     title="Double check in your bank before sending:"
                     items={[
                         `Amount: ${formattedCurrencyAmount} (exact)`,
-                        `Reference: ${onrampData?.depositInstructions?.depositMessage?.slice(0, 10) || 'Loading...'} (included)`,
+                        `Reference: ${depositReference || 'Loading...'} (included)`,
                     ]}
                 />
 
@@ -424,14 +426,18 @@ Please use these details to complete your bank transfer.`
                     I've sent the transfer
                 </Button>
 
-                <ShareButton
-                    generateText={generateBankDetails}
-                    title="Bank Transfer Details"
-                    variant="primary-soft"
-                    className="w-full"
-                >
-                    Share Details
-                </ShareButton>
+                {/* No share until the reference exists — a shared blob with a
+                    missing reference produces an unreconcilable wire */}
+                {depositReference && (
+                    <ShareButton
+                        generateText={generateBankDetails}
+                        title="Bank Transfer Details"
+                        variant="primary-soft"
+                        className="w-full"
+                    >
+                        Share Details
+                    </ShareButton>
+                )}
             </div>
         </div>
     )
diff --git a/src/components/AddMoney/components/__tests__/AddMoneyBankDetails.test.tsx b/src/components/AddMoney/components/__tests__/AddMoneyBankDetails.test.tsx
new file mode 100644
index 000000000..83ce2b2a4
--- /dev/null
+++ b/src/components/AddMoney/components/__tests__/AddMoneyBankDetails.test.tsx
@@ -0,0 +1,149 @@
+/**
+ * AddMoneyBankDetails — the Bridge bank-transfer instructions screen.
+ *
+ * Regression tests for the deposit-reference truncation bug: the reference was
+ * sliced to 10 chars in display AND copy, so users wired funds with a reference
+ * Bridge couldn't reconcile (deposit stuck AWAITING_FUNDS). Every surface that
+ * hands the reference to the user must carry the FULL depositMessage. Nested
+ * primitives are stubbed so only this component's own logic is under test.
+ */
+import React from 'react'
+import { render, screen } from '@testing-library/react'
+
+jest.mock('next/navigation', () => ({
+    useRouter: () => ({ push: jest.fn(), replace: jest.fn() }),
+    useParams: () => ({ country: 'germany' }),
+}))
+jest.mock('nuqs', () => ({
+    useQueryState: () => ['100', jest.fn()],
+    parseAsString: {},
+}))
+jest.mock('@/context/OnrampFlowContext', () => ({
+    useOnrampFlow: () => mockUseOnrampFlow(),
+}))
+jest.mock('@/context/RequestFulfillmentFlowContext', () => ({
+    RequestFulfillmentBankFlowStep: { BankCountryList: 'BankCountryList' },
+    useRequestFulfillmentFlow: () => ({
+        setFlowStep: jest.fn(),
+        onrampData: undefined,
+        selectedCountry: undefined,
+    }),
+}))
+jest.mock('@/hooks/useOnrampQuote', () => ({
+    useOnrampQuote: () => ({ netRate: 1, isLoading: false }),
+}))
+
+jest.mock('@/components/Global/NavHeader', () => ({ __esModule: true, default: () => <div /> }))
+jest.mock('@/components/Global/Card', () => ({
+    __esModule: true,
+    default: ({ children }: { children: React.ReactNode }) => <div>{children}</div>,
+}))
+jest.mock('@/components/Global/CopyToClipboard', () => ({
+    __esModule: true,
+    default: ({ textToCopy }: { textToCopy: string }) => <div data-testid="copy" data-text={textToCopy} />,
+}))
+jest.mock('@/components/Global/InfoCard', () => ({
+    __esModule: true,
+    default: ({ title, description, items }: { title?: string; description?: string; items?: string[] }) => (
+        <div>
+            {title}
+            {description}
+            {items?.map((item) => (
+                <p key={item}>{item}</p>
+            ))}
+        </div>
+    ),
+}))
+jest.mock('@/components/Payment/PaymentInfoRow', () => ({
+    PaymentInfoRow: ({ label, value }: { label: React.ReactNode; value: React.ReactNode }) => (
+        <div>
+            {label}: {value}
+        </div>
+    ),
+}))
+jest.mock('@/components/0_Bruddle/Button', () => ({
+    Button: ({ children, onClick }: { children: React.ReactNode; onClick?: () => void }) => (
+        <button onClick={onClick}>{children}</button>
+    ),
+}))
+let capturedGenerateText: (() => Promise<string>) | undefined
+jest.mock('@/components/Global/ShareButton', () => ({
+    __esModule: true,
+    default: (props: { generateText: () => Promise<string> }) => {
+        capturedGenerateText = props.generateText
+        return <div data-testid="share-button" />
+    },
+}))
+
+const mockUseOnrampFlow = jest.fn()
+
+// import must come after jest.mock
+import AddMoneyBankDetails from '../AddMoneyBankDetails'
+
+// 20 chars, the real shape of a Bridge deposit message — anything shorter than
+// the full string is un-reconcilable by Bridge
+const FULL_REFERENCE = 'BRGTESTREF1234567890'
+
+const baseOnrampData = {
+    transferId: 'transfer-123',
+    depositInstructions: {
+        amount: '100',
+        currency: 'EUR',
+        depositMessage: FULL_REFERENCE,
+        bankName: 'Deutsche Bank',
+        bankAddress: 'Frankfurt, Germany',
+        iban: 'DE89370400440532013000',
+        bic: 'COBADEFFXXX',
+        accountHolderName: 'Peanut Protocol',
+    },
+}
+
+beforeEach(() => {
+    capturedGenerateText = undefined
+    mockUseOnrampFlow.mockReturnValue({ onrampData: baseOnrampData })
+})
+
+describe('AddMoneyBankDetails deposit reference', () => {
+    it('displays the full reference untruncated and copies the full reference', () => {
+        render(<AddMoneyBankDetails onBack={jest.fn()} />)
+
+        // display — the full 20-char reference, not the first 10 chars
+        expect(screen.getByText(FULL_REFERENCE)).toBeInTheDocument()
+        expect(screen.queryByText(FULL_REFERENCE.slice(0, 10))).not.toBeInTheDocument()
+
+        // the reference copy button carries the full value
+        const copyTexts = screen.getAllByTestId('copy').map((el) => el.getAttribute('data-text'))
+        expect(copyTexts).toContain(FULL_REFERENCE)
+        expect(copyTexts).not.toContain(FULL_REFERENCE.slice(0, 10))
+    })
+
+    it('includes the full reference in the "double check before sending" summary', () => {
+        render(<AddMoneyBankDetails onBack={jest.fn()} />)
+
+        expect(screen.getByText(`Reference: ${FULL_REFERENCE} (included)`)).toBeInTheDocument()
+    })
+
+    it('includes the full reference in the shareable bank-details text', async () => {
+        render(<AddMoneyBankDetails onBack={jest.fn()} />)
+
+        expect(capturedGenerateText).toBeDefined()
+        const details = await capturedGenerateText!()
+        expect(details).toContain(`Deposit Reference: ${FULL_REFERENCE}`)
+    })
+
+    it('offers no copy or share while the reference is still loading', () => {
+        mockUseOnrampFlow.mockReturnValue({
+            onrampData: {
+                transferId: 'transfer-123',
+                depositInstructions: { ...baseOnrampData.depositInstructions, depositMessage: undefined },
+            },
+        })
+        render(<AddMoneyBankDetails onBack={jest.fn()} />)
+
+        // the 'Loading...' placeholder must never leave the screen — no share
+        // blob, no copyable value carrying the literal placeholder
+        expect(screen.queryByTestId('share-button')).not.toBeInTheDocument()
+        const copyTexts = screen.getAllByTestId('copy').map((el) => el.getAttribute('data-text'))
+        expect(copyTexts).not.toContain('Loading...')
+    })
+})