Could we not have a collapsible/optional reference field below the description field allowing the user to choose whether it is structured or unstructured remittance information? I think most people should be savvy enough to be able to google which they need, and the default can be like now, with a small info button explaining that the default is sufficient for 99% of cases.

Also, just my opinion, but "Description" isn't the right word for this field, and it causes unnecessary confusion. I think you would have less confusion if you called it "Reference" like most other international banks. Evidence for my statement: the fact that people keep coming to the forum to check whether description = reference, and who need to double and triple check that it's the case. I bet there's a lot more people that were confused than just the forum posts would imply. At least put an info tooltip or something on it that actually says "This is the reference field (unstructured)" or something.