diff --git a/addons/account/models/account_reconcile_model.py b/addons/account/models/account_reconcile_model.py
index d0f705c32ae..2b5f60b724f 100644
--- a/addons/account/models/account_reconcile_model.py
+++ b/addons/account/models/account_reconcile_model.py
@@ -634,30 +634,42 @@ class AccountReconcileModel(models.Model):
             if partner:
                 st_line_subquery += r" AND aml.partner_id = %s" % partner.id
             else:
-                st_line_subquery += r"""
-                    AND
-                    (
-                        substring(REGEXP_REPLACE(st_line.payment_ref, '[^0-9\s]', '', 'g'), '\S(?:.*\S)*') != ''
-                        AND
-                        (
-                            (""" + self._get_select_communication_flag() + """)
-                            OR
-                            (""" + self._get_select_payment_reference_flag() + """)
-                        )
-                    )
-                    OR
-                    (
-                        /* We also match statement lines without partners with amls
-                        whose partner's name's parts (splitting on space) are all present
-                        within the payment_ref, in any order, with any characters between them. */
+                st_line_fields_consideration = [
+                    (self.match_text_location_label, 'st_line.payment_ref'),
+                    (self.match_text_location_note, 'st_line_move.narration'),
+                    (self.match_text_location_reference, 'st_line_move.ref'),
+                ]
 
-                        aml_partner.name IS NOT NULL
-                        AND """ + unaccent("st_line.payment_ref") + r""" ~* ('^' || (
-                            SELECT string_agg(concat('(?=.*\m', chunk[1], '\M)'), '')
-                              FROM regexp_matches(""" + unaccent("aml_partner.name") + r""", '\w{3,}', 'g') AS chunk
-                        ))
-                    )
-                """
+                no_partner_query = " OR ".join([
+                    r"""
+                        (
+                            substring(REGEXP_REPLACE(""" + sql_field + r""", '[^0-9\s]', '', 'g'), '\S(?:.*\S)*') != ''
+                            AND
+                            (
+                                (""" + self._get_select_communication_flag() + r""")
+                                OR
+                                (""" + self._get_select_payment_reference_flag() + r""")
+                            )
+                        )
+                        OR
+                        (
+                            /* We also match statement lines without partners with amls
+                            whose partner's name's parts (splitting on space) are all present
+                            within the payment_ref, in any order, with any characters between them. */
+
+                            aml_partner.name IS NOT NULL
+                            AND """ + unaccent(sql_field) + r""" ~* ('^' || (
+                                SELECT string_agg(concat('(?=.*\m', chunk[1], '\M)'), '')
+                                  FROM regexp_matches(""" + unaccent("aml_partner.name") + r""", '\w{3,}', 'g') AS chunk
+                            ))
+                        )
+                    """
+                    for consider_field, sql_field in st_line_fields_consideration
+                    if consider_field
+                ])
+
+                if no_partner_query:
+                    st_line_subquery += " AND " + no_partner_query
 
             st_lines_queries.append(r"st_line.id = %s AND (%s)" % (st_line.id, st_line_subquery))
 
diff --git a/addons/account/tests/test_reconciliation_matching_rules.py b/addons/account/tests/test_reconciliation_matching_rules.py
index 4d32c31591b..d5c429b05b9 100644
--- a/addons/account/tests/test_reconciliation_matching_rules.py
+++ b/addons/account/tests/test_reconciliation_matching_rules.py
@@ -298,6 +298,51 @@ class TestReconciliationMatchingRules(AccountTestInvoicingCommon):
             self.bank_line_5.id: {'aml_ids': [self.invoice_line_6.id], 'model': self.rule_1, 'partner': self.bank_line_5.partner_id},
         }, statements=self.bank_st_2)
 
+    def test_matching_fields_match_text_location_no_partner(self):
+        self.bank_line_2.unlink() # One line is enough for this test
+        self.bank_line_1.partner_id = None
+
+        self.partner_1.name = "Bernard Gagnant"
+
+        self.rule_1.write({
+            'match_partner': False,
+            'match_partner_ids': [(5, 0, 0)],
+            'line_ids': [(5, 0, 0)],
+        })
+
+        st_line_initial_vals = {'ref': None, 'payment_ref': 'nothing', 'narration': None}
+        recmod_initial_vals = {'match_text_location_label': False, 'match_text_location_note': False, 'match_text_location_reference': False}
+
+        rec_mod_options_to_fields = {
+            'match_text_location_label': 'payment_ref',
+            'match_text_location_note': 'narration',
+            'match_text_location_reference': 'ref',
+        }
+
+        for rec_mod_field, st_line_field in rec_mod_options_to_fields.items():
+            self.rule_1.write({**recmod_initial_vals, rec_mod_field: True})
+            # Fully reinitialize the statement line
+            self.bank_line_1.write(st_line_initial_vals)
+
+            # Nothing should match
+            self._check_statement_matching(self.rule_1, {
+                self.bank_line_1.id: {'aml_ids': []},
+            }, statements=self.bank_st)
+
+            # Test matching with the invoice ref
+            self.bank_line_1.write({st_line_field: self.invoice_line_1.move_id.payment_reference})
+
+            self._check_statement_matching(self.rule_1, {
+                self.bank_line_1.id: {'aml_ids': self.invoice_line_1.ids, 'model': self.rule_1, 'partner': self.env['res.partner']},
+            }, statements=self.bank_st)
+
+            # Test matching with the partner name (reinitializing the statement line first)
+            self.bank_line_1.write({**st_line_initial_vals, st_line_field: self.partner_1.name})
+
+            self._check_statement_matching(self.rule_1, {
+                self.bank_line_1.id: {'aml_ids': self.invoice_line_1.ids, 'model': self.rule_1, 'partner': self.env['res.partner']},
+            }, statements=self.bank_st)
+
     def test_matching_fields_match_journal_ids(self):
         self.rule_1.match_journal_ids |= self.cash_st.journal_id
         self._check_statement_matching(self.rule_1, {