diff --git a/account_banking_sepa_credit_transfer/models/account_banking_sepa.py b/account_banking_sepa_credit_transfer/models/account_banking_sepa.py
index 69b7d20ae..8298ff800 100644
--- a/account_banking_sepa_credit_transfer/models/account_banking_sepa.py
+++ b/account_banking_sepa_credit_transfer/models/account_banking_sepa.py
@@ -33,7 +33,7 @@ class BankingExportSepa(models.Model):
 
     @api.one
     def _generate_filename(self):
-        ref = self.payment_order_ids[0].reference
+        ref = self.payment_order_ids and self.payment_order_ids[0].reference or False
         if ref:
             label = unidecode(ref.replace('/', '-'))
         else: