I’am really sorry (Newb, horrible at finances, english not first language) but the reference number, next to the date in banktransactions doesn’t auto add up like in cash transactions.
This is because it is designed to contain the reference the bank puts on the bank statement and it is not possible, in advance, to know what that will be
Oh I see I though it was ment for seperating cash or card transactions 
I usually put the cheque number for cheques and type of payment for others eg DD=Direct debit, LATM=ATM lodgement - I use the same reference as the bank. This helps to make it easy to reconcile the bank statement
But you can use what you like
A cash transaction should be entered under Cash Transactions tab. A credit card transaction should be entered under Bank Transactions.