=== modified file 'account_banking/banking_import_transaction.py'
--- account_banking/banking_import_transaction.py	2013-03-21 13:27:19 +0000
+++ account_banking/banking_import_transaction.py	2013-04-07 02:34:02 +0000
@@ -297,8 +297,8 @@
         # reference instead of the other way around, as most human interventions
         # *add* text.
         if len(candidates) > 1 or not candidates:
-            ref = trans.reference.upper()
-            msg = trans.message.upper()
+            ref = trans.reference and trans.reference.upper() or ''
+            msg = trans.message and trans.message.upper() or ''
             # The manual usage of the sales journal creates moves that
             # are not tied to invoices. Thanks to Stefan Rijnhart for
             # reporting this.