XML ACCOUNT STATEMENT. Service Description

Size: px
Start display at page:

Download "XML ACCOUNT STATEMENT. Service Description"

Transcription

1 XML ACCOUNT STATEMENT Service Description October 2011

2 OY SAMLINK AB SERVICE DESCRIPTION 2 (18) Table of contents Table of contents Error! No table of contents entries found.

3 OY SAMLINK AB SERVICE DESCRIPTION 3 (18) 1 General This document comprises a service description of an account statement material in XML format. The material is created available for download in a channel agreed upon with the customer. The XML account statement produced by Samlink corresponds with the content and structure described in the ISO Account Statement Guide of the Federation of Finnish Financial Services (FK), with a few exceptions. This service description applies to Aktia, Handelsbanken, Itella Bank, POP Banks and Savings Banks. 2 XML account statement The XML account statement can be downloaded through the Web Services channel or the Corporate Network Service (batch transfer), but not through the Patu channel. The message type used in the XML account statement is the Bank-to-Customer Statement message (camt BankToCustomerStatementV02). Through the Bank-to-Customer Statement message, the bank reports registered account transactions, any itemisations and bala information. It is an official account statement provided by the bank and approved by the Accounting Standards Board. The structure of the material is described below.

4 OY SAMLINK AB SERVICE DESCRIPTION 4 (18) 1..1 GrpHrd BkToCstmrStmt Stmt Acct RltdAcct Bal TxsSummary 0..n 1..1 Ntry BkTxCd 0..n 0..1 NtryDtls Btch 0..n 0..1 TxDtls 0..1 Refs AmtDtls Chrgs RltdPties The section corning the structure of the account statement material describes the content of the XML account statement produced by Samlink. The Recnt column in the table is described in the following: 1..1 data available at all times 0..1 data can be available or missing 0...n data can occur between zero and n times 1..n data occurs at least o, but it can also occur more frequently The application ID of the XML account statement material retrieved through Samlink s batch transfer is XT for all banks. A single material contains one account statement (one group header and one statement). Instructions for retrieving the XML account statement through Web Services The material is downloaded using the DownloadFileList operation following the same procedure as is applied to other downloaded material. The XT material type is to be set in the FileType element in the ApplicationRequest message. XML account statements are UTF-8 encoded similarly to other XML material. In the Web Services channel, the maximum size of the material is 30 MB. A test account statement and its downloading instructions were added to this service description in autumn RmtInf

5 OY SAMLINK AB SERVICE DESCRIPTION 5 (18)

6 OY SAMLINK AB SERVICE DESCRIPTION 6 (18) 3 Structure of the account statement material XML message data: Group header ur re GroupHeader <GrpHdr> 1..1 MessageIdentificati <GrpHdr> FI on <MsgId> Identifier of the message formed by the bank CreationDateTime <GrpHdr> <CreDtTm> T23:05: The time the account statement message was generated Statement Statement <Stmt> 1..n Statement Id <Stmt><Id> 1..1 Account statement ID Format: yyyymmdd + account number + running number/date ElectronicSeque Number LegalSequeNu mber <Stmt> <ElctrnSeqNb> <Stmt> <LglSeqNb> 0..1 Not in use Account statement number. Daily and periodical account statements have separate numbers The time the account 12T23:05: statement was generated 1..1 The first day of the account statement period CreationDateTime <Stmt> <CreDtTm> FromDateTime <Stmt> <FrToDt><FrDt Tm> ToDateTime <Stmt> 1..1 The final day of the <FrToDt> account statement period <ToDtT> Account <Stmt><Acct> 1..1 <Stmt><Acct> 1..1 FI Account number

7 OY SAMLINK AB SERVICE DESCRIPTION 7 (18) <Id><IBAN> Type <Stmt><Acct> <Tp><Cd> Cncy <Stmt><Acct> <Ccy> Owner Name <Stmt><Acct> Servicer/FinancialI nstitutionidentificat ion Related Account Additional Statement Information <Own><Nm> <Stmt><Acct> <Svcr> <FinInstnId> <BIC> <Stmt> <RltdAcct><Id> <IBAN> <Stmt> <AddtlStmtInf> 1..1 Default CACC = Cnt 1..1 Cncy code of the account 0..1 Name of the account owner 1..1 HELSFIHH (Aktia, BIC code of the Savings Banks and POP reporting bank Banks) HANDFIHH (Handelsbanken) ITELFIHH (Itella Bank) 0..1 If the statement account (Account) is a subaccount of a consolidated account, the account number of the primary account is stated here Message provided by the bank Balas Bala <Stmt><Bal> 1..n Type/Code <Stmt><Bal> <Tp> <CdOrPrty> <Cd> Included <Stmt><Bal> <CdtLine> <Incl> 1..1 Bala types OPBD = Opening bala CLBD = Closing bala CLAV = Available bala 1..1 This indicates whether any account limit has been taken into account in the bala (FALSE/TRUE).

8 OY SAMLINK AB SERVICE DESCRIPTION 8 (18) Amount <Stmt><Bal> <CdtLine> <Amt> Amount <Stmt><Bal> <Amt> CreditDebitIndicato <Stmt><Bal> r Date <CdtDbtInd> <Stmt><Bal> <Dt><Dt> 0..1 Account limit amount 1..1 EUR 2, Account cncy and bala 1..1 CRDT = Positive bala DBIT = Negative bala Bala date Transaction Summary TransactionSumma <TxsSummry> 1..1 ry TotalEntries <TtlNtries> TotalCreditEntries TotalCreditEntries TotalDebitEntries TotalDebitEntries Statement Entry <NbOfNtries> <TtlCdtNtries> <NbOfNtries> <TtlCdtNtries> <Sum> <TtlDbtNtries> <NbOfNtries> <TtlDbtNtries> <Sum> 1..1 Number of all entries in the account statement 1..1 Number of all deposit entries in the account statement 1..1 Total amount of all deposit entries in the account statement 1..1 Number of all withdrawal transactions in the account statement 1..1 Total amount of all withdrawal transactions in the account statement Statement Entry <Stmt> 0 n Amount <Amt> 1..1 EUR Transaction cncy and amount CreditDebitIndicato r <CdtDbtInd> 1..1 DBIT = Withdrawal CRDT = Deposit

9 OY SAMLINK AB SERVICE DESCRIPTION 9 (18) Status <Sts> 1..1 BOOK = Transaction entered in the account Booking Date <BookgDt> <Dt> Registration date ValueDate AccountServicer Refere BankTransactionCo de/ Domain FamilyCode <ValDt> <Dt> <AcctSvcrRef> <BkTxCd> <Domn> <Cd> <BkTxCd> <Domn> <Family> <Cd> Value date 0..1 Archive ID of the transaction 1..1 PMNT = Payments LDAS= Loans and deposits CAMT= Cash Management (sweeping, topping, etc.) NTAV = Not available 1..1 RCDT =Received Credit Transfers ICDT =Issued Credit Transfers MCRD = Merchant Card Transaction IDDT = Issued Direct Debits RDDT = Received Direct Debits CCRD = Customer Card Transactions ICHQ = Issued Cheques MDOP = Miscellaneous Debit Operations MCOP = Miscellaneous Credit Operations ACCB = Account Balancing NTAV = Not available SubFamilyCode <BkTxCd> <Domn> <Family> 1..1 ESCT = SEPA Credit Transfer SALA = SEPA Credit Transfer / Sala

10 OY SAMLINK AB SERVICE DESCRIPTION 10 (18) <SubFmlyCd> DMCT = Domestic Credit Transfer NTAV = Not available INTR = Interest OTHR = Other RIMB = Reimbursement PMDD = Direct Debit STDO = Standing Order CHRG = Charges XBCT = Cross-Border Credit Transfer ZABA = Zero Balancing SWEP = Sweeping TOPG = Topping Proprietary Code Issuer Message Payment Information NumberOf Transactions Transaction Details AccountServicer Refere InstructionIdentific ation <BkTxCd> <Prtry><Cd> <BkTxCd> <Prtry> <Issr> <Btch> <MsgId> <Btch> <PmtInfId> <Btch> <NbOfTxs> <Tx Dtls><Refs> <AcctSvcrRef> Recurring transaction Registration code + registration code in plain text 0..1 Default FFFS Payment message identification, if any, provided by the payer. Otherwise blank Batch identification, if any, provided by the payer. Otherwise blank Number of transactions related to the consolidated transaction 1..n 0..1 Archive ID of the transaction 0..1 Information provided by the payer for himself or herself

11 OY SAMLINK AB SERVICE DESCRIPTION 11 (18) EndToEndIdentific ation ProprietaryType Proprietary Refere <Refs><InstrId> <Refs> <EndToEndId> <Refs> <Prtry><Tp> <Refs> <Prtry><Ref> 0..1 Information provided by the payer for the recipient 0..1 Card number of a card transaction. ORIG for correcting transactions 0..1 A shop s archive refere for a card transaction or the default value CARD. The original archive ID of a correcting transaction Instructed amount Transaction Amount SourceCncy TargetCncy <AmtDtls> <lnstrdamt> <Amt> <AmtDtls> <TxAmt> <Amt> <AmtDtls> <TxAmt> <CcyXchg> <SrcCcy> 0..1 SEK 1, Cncy code (ISO) and amount of a payment denominated in a foreign cncy 0..1 EUR Cncy code and amount (in the account cncy) of a payment amount 0..1 Original payment cncy 0..1 Account cncy

12 OY SAMLINK AB SERVICE DESCRIPTION 12 (18) <AmtDtls> <TxAmt> <CcyXchg> UnitCncy ExchangeRate Contract <TrgCcy> <AmtDtls> <TxAmt> <CcyXchg> <UnitCcy> <AmtDtls> <TxAmt> <CcyXchg> <XchgRate> <AmtDtls> <TxAmt> <CcyXchg> <CtrctId> Proprietary Amount <AmtDtls> <PrtryAmt> Debtor Name Address <Dbtr><Nm> 0..1 Cncy used in exchange 0..1 Exchange rate 0..1 Exchange rate refere When a payment is made in USD in an SEK account, this structure is used. The structure is repeated twice (USD EUR and EUR SEK, with separate exchange information) The payer s name. Used for crediting transactions 0..1 The payer s address. Used for crediting transactions

13 OY SAMLINK AB SERVICE DESCRIPTION 13 (18) <Dbtr> <PstlAdr> Organization OR <AdrLine> <RltPties> <Dbtr><Id> <OrgId> <Othr><Id> 0..1 The payer s ID Private Ultimate Debtor UltimateDebtor Organization OR Private <RltPties> <Dbtr><Id> <PrvId> <Othr><Id> <UltmtDbtr> <Nm> <RltPties> <UltmDbtr> <Id> <OrgId> <Othr><Id> <RltPties> <UltmDbtr> <Id><PrvId> The payer s ID 0..1 Name of the original payer 0..1 ID of the original payer ID of the original payer

14 OY SAMLINK AB SERVICE DESCRIPTION 14 (18) Creditor Name Address Organization <Othr><Id> <Cdtr><Nm> <Cdtr> <PstlAdr> <Adrline> <RltPties> <Cdtr><Id> <OrgId> <Othr><Id> 0..1 The recipient s name 0..1 The recipient s address 0..1 The recipient s ID OR Private Creditor Account/IBAN OR Creditor Account/other <RltPties> <Cdtr><Id> <PrvId><Othr> <Id> <CdtrAcct> <Id><IBAN> The recipient s ID 0..1 The recipient s IBAN account The recipient s account if other than IBAN

15 OY SAMLINK AB SERVICE DESCRIPTION 15 (18) <CdtrAcct> <Id><Othr> Scheme Name Type/proprietary Ultimate Creditor Name Organization OR Private <Id> <CdrtAcct> <Id><Othr> <SchmeNm> <Cd> <CdtrAcct> <Tp><Prtry> <UltmtCdtr> <Nm> <RltPties> <UltmCdrt> <Id> <OrgId> <Othr><Id> <RltPties> <UltmCdtr> <Id> <PrvId> <Othr><Id> 0..1 If the recipient s account is other than IBAN, BBAN is entered here If the bank has changed the account number, ACWC is entered here Name of the ultimate recipient 0..1 ID of the ultimate recipient ID of the ultimate recipient

16 OY SAMLINK AB SERVICE DESCRIPTION 16 (18) Related Agent CreditorAgent <RltdAgts> <CdtrAgt> <FinInstnId> <BIC> 0..1 BIC of the recipient s bank Purpose/Code OR Purpose/Proprietary AcceptaDate <Purp><Cd> <Purp><Prtry> <RltdDts> <AccptncDtTm > 0..1 Purpose of payment If the transaction is a recurring payment and credit and no code was found in the previous field, the purpose of the payment is entered in this field in plain text Payment date Format: yyyy-mm-dd + default T + hh:mm:ss + default +02:00 In addition, the following data can be associated with the payment. Remitta Information Free-format message in the payment: 0..1 Remitta Information/Unstru ctured <Ustrd> Free-form message

17 OY SAMLINK AB SERVICE DESCRIPTION 17 (18) Payment refere: 0..1 Refere Type Code Issuer Refere <CdtrRefInf> <Tp> <CdOrPrtry> <Cd> <CdtrRefInf> <Tp><Issr> <CdtrRefInf> <Ref> SCOR = There is a refere When the refere is international, the default value is ISO. Refere Itemisations related to the payment Type/Code <RfrdDocInf> <Tp> <CdOrPrtry> <Cd> Number <RfrdDocInf> <Nb> RelatedDate 0..n Invoice type CREN = Credit invoice CINV = Invoice 123 Invoice number Invoice date

18 OY SAMLINK AB SERVICE DESCRIPTION 18 (18) <RfrdDocInf> <RltdDt> Amount <RfrdDocAmt> <RmtdAmt> Refere Type Code Issuer Refere Organization Id Additional Information <CdtrRefInf> <Tp> <CdOrPrtry> <Cd> <CdtrRefInf> <Tp><Issr> <CdtrRefInf> <Ref> <Invcr> <Id><OrgId> <Othr><Id> <AddtlRmtInf> EUR Amount and cncy When the payment has a refere, the default value is SCOR. When the refere is international, the default value is ISO. Refere Customer number Message in the invoice itemisation

Record description XML File Transfer Balance and Transaction list camt.052.001.02

Record description XML File Transfer Balance and Transaction list camt.052.001.02 Record description XML File Transfer Balance and Transaction list camt.052.001.02 15.11.2012 Page 2 of 14 Change date Version Changed 10.10.2011 1.0 07.02.2012 1.1 2.1 Identification kentän pituus muuttunut,

More information

ISO 20022 ACCOUNT STATEMENT GUIDE. v 1.3

ISO 20022 ACCOUNT STATEMENT GUIDE. v 1.3 ISO 20022 ACCOUNT STATEMENT GUIDE v 1.3 4.10.2012 1 ISO 20022 Account Statement Guide Table of contents 1 Introduction... 3 2 General... 3 2.1 Effects on customer routines... 4 2.2 Activities... 4 3 Electronic

More information

Appendix 1 Bank Transaction Codes Account Statement

Appendix 1 Bank Transaction Codes Account Statement Version: 1.3 Page 1 (11) Appendix 1 Bank Transaction Codes Account Statement (Changes from previous version are highlighted in grey) Canada Account Management Miscellaneous Credit Operations Interests

More information

XML message for SEPA Credit Transfer Initiation Implementation Guidelines for the Netherlands

XML message for SEPA Credit Transfer Initiation Implementation Guidelines for the Netherlands XML message for SEPA Credit Transfer Initiation Implementation Guidelines for the Netherlands Disclaimer These guidelines may be subject to changes. Utmost care has been taken to ensure the information

More information

SEPA Direct Debit Unpaid Report File Format

SEPA Direct Debit Unpaid Report File Format SEPA Direct Debit Unpaid Report File Format PAIN.002.001.03 XML File Structure This document is published by Bank of Ireland, and both it, and its contents, are the property of Bank of Ireland. This document

More information

DESCRIPTION OF SEPA XML FORMAT FOR ING BUSINESSONLINE IMPORT AND EXPORT TEMPLATES

DESCRIPTION OF SEPA XML FORMAT FOR ING BUSINESSONLINE IMPORT AND EXPORT TEMPLATES DESCRIPTIN F SEPA XML FRMAT FR ING BUSINESSNLINE IMPRT AND EXPRT TEMPLATES TABLE F CNTENTS Import of orders 3 1. Introduction 3 1.1 Notation 3 1.2 File structure 4 1.3 Batching rules 4 1.4 Differentiation

More information

Incoming reference payments. Service description

Incoming reference payments. Service description Incoming reference payments Service description August 2016 Content Use of reference number in invoices... 2 Fming the reference number... 2 Finnish reference number... 2 International reference number...

More information

Credit Transfer PAIN XML File Structure

Credit Transfer PAIN XML File Structure Credit Transfer PAIN.001.001.03 XML File Structure This document is published by Bank of Ireland, and both it, and its contents, are the property of Bank of Ireland. This document may not be reproduced

More information

SEPA Credit Transfer Unpaid Report File Format

SEPA Credit Transfer Unpaid Report File Format SEPA Credit Transfer Unpaid Report File Format PAIN.002.001.03 XML File Structure This document is published by Bank of Ireland, and both it, and its contents, are the property of Bank of Ireland. This

More information

XML message for SEPA Direct Debit Initiation Implementation Guidelines for the Netherlands

XML message for SEPA Direct Debit Initiation Implementation Guidelines for the Netherlands XML message for SEPA Direct Debit Initiation Implementation Guidelines for the Netherlands Core and Business-to-Business Implementation Guidelines Disclaimer These guidelines may be subject to changes.

More information

OUTGOING PAYMENTS ISO 20022 APPLICATION GUIDELINE

OUTGOING PAYMENTS ISO 20022 APPLICATION GUIDELINE Version 2.5 13.4.2016 OUTGOING PAYMENTS ISO 20022 APPLICATION GUIDELINE 2 (54) CONTENTS VERSION INFORMATION... 4 1 OUTGOING PAYMENTS, ISO 20022 APPLICATION GUIDELINE... 5 1.1 ISO 20022 MESSAGE DESCRIPTION

More information

OP's C2B SERVICES Pain 03. Payment Transfer Products

OP's C2B SERVICES Pain 03. Payment Transfer Products OP's C2B SERVICES Pain 03 Payment Transfer Products Customer Guidelines March 2015 2/104 Version Key Changes Changed section November 2012 added money orders 13 C2B money orders July 2013 updated payment

More information

XML format guide for Belgium SEPA Credit Transfer (SCT) version March

XML format guide for Belgium SEPA Credit Transfer (SCT) version March Financial Supply Chain SEPA XML format guide for Belgium SEPA Credit Transfer (SCT) version March 2014 www.ing.be/sepa Introduction 1 Frequently asked questions 2 How should the CreationDateTime be correctly

More information

XML message for SEPA Direct Debit Initiation Implementation Guidelines for the Netherlands

XML message for SEPA Direct Debit Initiation Implementation Guidelines for the Netherlands XML message for SEPA Direct Debit Initiation Implementation Guidelines for the Netherlands Core and Business-to-Business Implementation Guidelines Disclaimer These guidelines may be subject to changes.

More information

DANISH CGI MIGS Appendix to

DANISH CGI MIGS Appendix to Appendix to Danish Message Implementation Guideline for Common Global Implementation (CGI) Customer Credit Transfer Initiation and Danish Implementation Guideline for CGI Customer Payment Status Report

More information

Payments Market Practice Document. ISITC Settlements Working Group

Payments Market Practice Document. ISITC Settlements Working Group Payments Market Practice Document ISITC Settlements Working Group Publication Date: October, 2012 Author(s): ISITC Settlements Working Group DISCLAIMER This market practice document has been developed

More information

SEPA CREDIT TRANSFER SCHEME INTER-BANK IMPLEMENTATION GUIDELINES

SEPA CREDIT TRANSFER SCHEME INTER-BANK IMPLEMENTATION GUIDELINES Doc: EPC115-06 25 November 2014 (Version 8.0 Approved) EPC SEPA CREDIT TRANSFER SCHEME INTER-BANK IMPLEMENTATION GUIDELINES Abstract Document Reference Issue This document sets out the rules for implementing

More information

OUTGOING PAYMENTS ISO 20022 APPLICATION GUIDELINE

OUTGOING PAYMENTS ISO 20022 APPLICATION GUIDELINE Version 1.94 13.4.2016 OUTGOING PAYMENTS ISO 20022 APPLICATION GUIDELINE Pain.001.001.02 Pain.002.001.02 2 (51) Sisällysluettelo MANUAL VERSION INFORMATION... 4 1 SEPA CREDIT TRANSFER, ISO 20022 APPLICATION

More information

ISO 20022 PAYMENT GUIDE. Messages: Pain.001.001.03 Pain.002.001.03

ISO 20022 PAYMENT GUIDE. Messages: Pain.001.001.03 Pain.002.001.03 ISO 20022 PAYMENT GUIDE Messages: Pain.001.001.03 Pain.002.001.03 20.11.2012 1 ISO 20022 Payment Guide Table of Contents 1 Background... 3 1.1 SEPA and ISO 20022... 3 1.2 Usage of ISO 20022 in Finland...

More information

Message Definition Report Part 1

Message Definition Report Part 1 Standards Bank To Customer Cash Management November 2016 Standards MX Message Definition Report Part 1 This document provides information about the use of the messages for Bank-to-Customer Cash Management

More information

XML message for Payment Initiation Implementation Guideline. Version 1.02

XML message for Payment Initiation Implementation Guideline. Version 1.02 XML message for Payment Initiation Implementation Guideline Version 1.02 Version 1.02 Changes Updated 20131211 1) SEB specific rule added under tag 2.44 Equivalent Amount 2) To the tag 2.89 Regulatory

More information

SEPA CREDIT TRANSFER SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES

SEPA CREDIT TRANSFER SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES Doc: EPC132-08 25 November 2014 (Version 8.0 Approved) EPC SEPA CREDIT TRANSFER SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES Abstract Document Reference Issue This document sets out the rules for

More information

XML SEPA CT IN KB (valid from 28th November 2015)

XML SEPA CT IN KB (valid from 28th November 2015) XML SEPA CT IN KB (valid from 28th November 2015) 1/20 Content: 1. Scope... 3 2. Application... 3 3. Message structure (items used by KB)... 4 3.1 Group leader... 5 3.2 N Payment information... 5 4. Rules

More information

ABNAMRO addendum on the XML message for SEPA Credit Transfer Initiation Implementation Guidelines for the Netherlands

ABNAMRO addendum on the XML message for SEPA Credit Transfer Initiation Implementation Guidelines for the Netherlands on the XML message for SEPA Credit Transfer Initiation Implementation Guidelines for the Netherlands Version 1.0 December 2010 Contents 1. Introduction...8 Character Set...9 2. Message items description...10

More information

Payments Standards - Clearing and Settlement

Payments Standards - Clearing and Settlement UNIFI (ISO 20022) Message Definition Report Payments Standards - Clearing and Settlement Approved by UNIFI Payments SEG on 06 June 2006 Edition July 2006 Table Of Contents Overview... 1 What does this

More information

Customer Statement - MT940 with Structured Information To Account Owner

Customer Statement - MT940 with Structured Information To Account Owner General Information The MT940 customer statement message is an electronic message containing financial statement information for customers concerning their accounts. Danske Bank can send a MT940 either

More information

XML Format of Account Statements Supported by KB, Effective as from 25 February 2016

XML Format of Account Statements Supported by KB, Effective as from 25 February 2016 Client XML Format KB Account Statements XML Format of Account Statements Supported by KB, Effective as from 25 February 2016 Contents: 1/21 Client XML Format KB Account Statements 1 Introduction... 4 1.1

More information

SNS Bank addendum on the XML message for SEPA Credit Transfer Initiation Implementation Guidelines for the Netherlands

SNS Bank addendum on the XML message for SEPA Credit Transfer Initiation Implementation Guidelines for the Netherlands SNS Bank addendum on the XML message for SEPA Credit Transfer Initiation Implementation Guidelines for the Netherlands Version 1.2 April 2015 1-14 Contents 1. Introduction... 8 Character Set... 9 2. Message

More information

Format description XML SEPA Credit Transfer. Format Description

Format description XML SEPA Credit Transfer. Format Description Format description XML SEPA Credit Transfer Format Description CONTENTS 1 SEPA CT Import format 3 1.1 SEPA CT import format description 3 1.1.1 Description 3 1.1.2 General characteristics 3 1.1.3 Difference

More information

SEPA CORE DIRECT DEBIT SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES

SEPA CORE DIRECT DEBIT SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES Doc: EPC130-08 25 November 2014 (Version 8.0 Approved) EPC SEPA CORE DIRECT DEBIT SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES Abstract Document Reference Issue This document sets out the rules for

More information

Implementation of ISO 20022: starter kit for software partners

Implementation of ISO 20022: starter kit for software partners Insert images: Swiss Post menu > image > insert image. For more images go to www.brandingnet.ch Technical details Full screen image size W 25.4 cm x H 19.05 cm equals W 1500 pixels x H 1125 pixels Resolution

More information

SEPA CORE DIRECT DEBIT SCHEME INTER-BANK IMPLEMENTATION GUIDELINES

SEPA CORE DIRECT DEBIT SCHEME INTER-BANK IMPLEMENTATION GUIDELINES Doc: EPC114-06 25 November 2014 (Version 8.0 Approved) EPC SEPA CORE DIRECT DEBIT SCHEME INTER-BANK IMPLEMENTATION GUIDELINES Abstract Document Reference Issue This document sets out the rules for implementing

More information

pg. 2 pg. 6 pg.8 pg. 20

pg. 2 pg. 6 pg.8 pg. 20 SEPA Extra Payment news pg. 2 pg. 6 pg.8 pg. 20 SEPA harmonises payments The account number format when SEPA is valid SEPA will cause changes to material transfer services Is your company ready for SEPA?

More information

Online Banking Record Descriptions

Online Banking Record Descriptions Record s hotline@sydbank.dk Page 1 of 65 Contents Introduction... 3 Sydbank format... 3 Format descriptions... 5 of fixed-length records... 5 of variable-length records... 6 Payment start... 7 IB000000000000...

More information

Record description XML File Transfer ISO 20022 XML pain.001.001.02

Record description XML File Transfer ISO 20022 XML pain.001.001.02 Record description XML File Transfer 20022 XML pain.001.001.02 15.11.2012 2 Change date Version Changed 2.6.2010 1.0 2.15 Payer s business id. Length can be 8, 9, 13 or 14 marks (so called long business

More information

Danske Bank Guideline to payments in ISO XML format (pain )

Danske Bank Guideline to payments in ISO XML format (pain ) Danske Bank Guideline to payments in ISO 20022 XML format (pain.001.001.03) This document describes how to distinguish between the variety of payments supported by Danske Bank using ISO 20022 XML CustomerCreditTransferInitiation

More information

Guide. 1 Dec 2010. Introduction of the global Structured Creditor Reference in Finnish companies. 1 December 2010

Guide. 1 Dec 2010. Introduction of the global Structured Creditor Reference in Finnish companies. 1 December 2010 1 Dec 2010 Guide Introduction of the global Structured Creditor Reference in Finnish companies 1 December 2010 Federation of Finnish Financial Services Contents Guide Introduction of the global Structured

More information

SEPA (ISO XML) Direct Debit payments. July 2014

SEPA (ISO XML) Direct Debit payments. July 2014 SEPA (ISO 20022 XML) Direct Debit payments This white paper describes the functionality in Microsoft Dynamics AX that supports the Single Euro Payments Area (SEPA) Direct Debit (ISO 20022 XML) payment

More information

Danish Message Implementation Guideline for Common Global Implementation (CGI) Customer Direct Debit Initiation

Danish Message Implementation Guideline for Common Global Implementation (CGI) Customer Direct Debit Initiation Appendix to Danish Message Implementation Guideline for Common Global Implementation (CGI) Customer Direct Debit Initiation December 15th 2012 FINAL VERSION Table of Contents INTRODUCTION 3 DANISH PAYMENT

More information

Addendum on the XML message for SEPA Direct Debit Initiation (PAIN)

Addendum on the XML message for SEPA Direct Debit Initiation (PAIN) Deutsche Deutsche Bank Bank Addendum on the XML message for SEPA Direct Debit Initiation (PAIN) Addendum on the XML message for SEPA Direct Debit Initiation (PAIN) 01 Contents Introduction 03 1.1 Change

More information

ISO 20022 Message Implementation Guide for Payment Initiation

ISO 20022 Message Implementation Guide for Payment Initiation ISO 20022 Message Implementation Guide for Payment Initiation Pain001 Pain002 Version: 1.5 Issue date: 16 November 2015 Author: Swedbank Table of Contents 1. Introduction 2. Customer Credit Transfer Initiation

More information

Migration of mandates based on NBB file. version July

Migration of mandates based on NBB file. version July Financial Supply Chain SEPA Migration of mandates based on NBB file version July 2013 www.ingsepa.com Background 1 Acquisition 1 Formats 1 DOM80 migration 2 Processing of the NBB migration file 2 SDD Mandate

More information

Nordea Account structure. Corporate egateway

Nordea Account structure. Corporate egateway Nordea Account structure Corporate egateway 1. Nordea Account structures The purpose of this document is: A) To provide an overview of the possibilities for customer to send and receive BBAN and IBAN account

More information

Hal E-Bank Foreign payments (Format of export/import files)

Hal E-Bank Foreign payments (Format of export/import files) Hal E-Bank Foreign payments (Format of export/import files) Hal E-Bank Foreign payments: format of export/import files Version: 17.x.x.20 Author: HALCOM d.d., Ljubljana Editor: HALCOM a.d., Beograd, July

More information

Implementing SEPA in Belgiu m

Implementing SEPA in Belgiu m SEPA Country Guide Belgium Implementing SEPA in Belgiu m All you need to know for a successful SEPA migration Introduction This document provides an overview of all the country specific information you

More information

SEPA Direct Debit Implementation Guide. Version 1.7

SEPA Direct Debit Implementation Guide. Version 1.7 SEPA Direct Debit Implementation Guide Version 1.7 DANSKE BANK Table of contents 1 Change log... 3 2 Purpose of this document... 4 2.1 Target groups... 4 2.2 Help... 4 3 Introduction to SEPA Direct Debit...

More information

Formats for Internet Bank

Formats for Internet Bank 1/42 Formats for Internet Bank This document specifies payment initiation and account statement formats in LHV Internet Bank. PAYMENT INITIATION... 2 XML FORMAT (ISO 20022 PAYMENT INITIATION MESSAGE PAIN.001.001.03)...

More information

499.35 en (pf.ch/dok.pf) 11.2015 PF. EPO manual Electronic payment order via file transfer

499.35 en (pf.ch/dok.pf) 11.2015 PF. EPO manual Electronic payment order via file transfer 499.35 en (pf.ch/dok.pf) 11.2015 PF EPO manual Electronic payment order via file transfer Customer support Customer support for EPO Consulting & Sales Phone +41 848 888 900 (CHF 0.08/min. from a landline)

More information

OP's C2B SERVICES Pain 02. Payment transfer products

OP's C2B SERVICES Pain 02. Payment transfer products OP's C2B SERVICES Pain 02 Payment transfer products Customer Guidelines March 2015 2/105 Version Key Changes Changed section November 2012 added money orders 1.3 C2B money orders July 2013 updated payment

More information

SEPA (ISO XML) credit transfer payments. July White paper

SEPA (ISO XML) credit transfer payments. July White paper SEPA (ISO 20022 XML) credit transfer payments This white paper describes the functionality in Microsoft Dynamics AX that supports the standard Single Euro Payments Area (SEPA) credit transfer (ISO 20022

More information

SEPA CREDIT TRANSFER SCHEME INTER-BANK IMPLEMENTATION GUIDELINES

SEPA CREDIT TRANSFER SCHEME INTER-BANK IMPLEMENTATION GUIDELINES Doc: EPC115-06 30 November 2012 (Version 7.0 Approved) EPC SEPA CREDIT TRANSFER SCHEME INTER-BANK IMPLEMENTATION GUIDELINES Abstract Document Reference Issue This document sets out the rules for implementing

More information

User's manual for OTPdirekt Internet Banking. v.1.0

User's manual for OTPdirekt Internet Banking. v.1.0 User's manual for OTPdirekt Internet Banking v.1.0 1 Contents General... 4 Log in... 4 Logging out... 4 Home page... 5 Accounts... 5 Accounts - Overview of movements... 6 Accounts - OTPdirekt transactions...

More information

SEPA CREDIT TRANSFER SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES

SEPA CREDIT TRANSFER SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES Doc: EPC132-08 17 November 2011 (Version 6.0 Approved) EPC SEPA CREDIT TRANSFER SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES Abstract Document Reference Issue This document sets out the rules for

More information

Questions & Answers on Payment Statistics

Questions & Answers on Payment Statistics Questions & Answers on Payment Statistics The European Central Bank and the Bank of Finland have compiled statistics on payment transmission before, so what s new? In November 2013, the European Central

More information

Payment Status Report

Payment Status Report Payment Status Report Implementation Guidelines Version 1.0 Beligian Finance Sector Federation rue d Arlon, 82 B-1040 Brussels http://www.febelfin.be T +32 2 507 68 11 F +32 2 888 68 11 2 Table of Contents

More information

RF Creditor Reference

RF Creditor Reference RF Creditor Reference Facilitating full end-to-end straight-through payment processing version 1.0, May 2010 RF Expert Group 2 (36) Page RF Creditor Reference... 1 Facilitating full end-to-end straight-through

More information

Nordea Bank AB Lithuania branch Price List for corporate customers Valid from 1 st of September, 2016. Contents

Nordea Bank AB Lithuania branch Price List for corporate customers Valid from 1 st of September, 2016. Contents Contents DAILY BANKING... 2 BANK ACCOUNTS...2 ELECTRONIC SERVICES...2 Nordea Electronic Banking... 2 Nordea Internetbank for... 2 Package of daily banking services for corporate... 2 Web Service channel...

More information

Form Payments statistics (formerly form-9006)

Form Payments statistics (formerly form-9006) Form Payments statistics (formerly form-9006) General The report contains data on payments, specifically payments between consumers, businesses and the government. As of July 2014, this report implements

More information

BEST client format supported by KB (valid from 28th November 2015)

BEST client format supported by KB (valid from 28th November 2015) supported by KB (valid from 28th November 2015) 1/19 List of contents: 1 Introduction... 4 1.1 Purpose of this document... 4 1.2 Characteristics of BEST format... 4 2 Formal check of BEST format... 4 2.1

More information

ERP SEPA readiness checklist

ERP SEPA readiness checklist ERP SEPA readiness checklist version July 2013 www.ingsepa.com Financial Supply Chain SEPA This list contains 11 questions to determine the level of SEPA-readiness of an ERP 1. The first 3 questions deal

More information

IMPLEMENTATION TEMPLATES

IMPLEMENTATION TEMPLATES CGI Overview MISSION The mission of the Common Global Implementation (CGI) initiative is to provide a forum for financial institutions (banks and bank associations) and nonfinancial institutions (corporates,

More information

IBAN calculation and validation. Service description

IBAN calculation and validation. Service description IBAN calculation and validation Service description Content 1 Functional description of the service... 3 2 The calculation and validation of IBAN of the Finnish accounts... 3 2.1 Checking of the validity

More information

Spanish legacy branch code 4 numbers. Spanish legacy bank code 4 numbers

Spanish legacy branch code 4 numbers. Spanish legacy bank code 4 numbers SEPA in Spain Useful links Spanish official SEPA website (in Spanish language) http://www.sepaesp.es/ National Central Bank of Spain www.bde.es/bde/en Official Migration Guide for the Spanish market Download

More information

Payment statistics 2014, reporting template

Payment statistics 2014, reporting template Payment statistics 2014, reporting template The data for this table in respect of 2014 is to be reported to the Bank of Finland in the first quarter of 2015. This workbook is not made for reporting, but

More information

SEPA CORE DIRECT DEBIT SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES

SEPA CORE DIRECT DEBIT SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES Doc: EPC130-08 30 November 2012 (Version 7.0 Approved) EPC SEPA CORE DIRECT DEBIT SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES Abstract Document Reference Issue This document sets out the rules for

More information

Trouble Shooting Guide for Reconciling AR Account 12000001

Trouble Shooting Guide for Reconciling AR Account 12000001 This guide could be used to identify differences which exist when an agency tries to reconcile AR Account 12000001 Trial Balance amount to the Grant Open Invoice Items query TN_AR18_OPEN_GRANT_ITEMS. Step

More information

Service description IBAN Calculation for Account Numbers and Checking the Validity of Accounts

Service description IBAN Calculation for Account Numbers and Checking the Validity of Accounts Service description IBAN Calculation for Account Numbers and Checking the Validity of Accounts 15.11.2012 The service is intended for calculating the IBAN number for accounts and checking the validity

More information

Implementing SEPA in Au s t r ia

Implementing SEPA in Au s t r ia Implementing SEPA in Au s t r ia All you need to know for a successful SEPA migration Introduction This document gives you an overview of all the country specific information you need to implement successfully

More information

This translation has been prepared with the greatest possible care; however, in case of doubt, the German text is the authoritative version.

This translation has been prepared with the greatest possible care; however, in case of doubt, the German text is the authoritative version. The Deutsche Bundesbank s technical specifications for the clearing and settlement of interbank SEPA credit transfers via the RPS ( SCT/BCT/SCL technical specifications ) Version 2.4 valid from 30 September

More information

SEPA DIRECT DEBIT SCHEME IMPLEMENTATION GUIDELINES

SEPA DIRECT DEBIT SCHEME IMPLEMENTATION GUIDELINES Doc: EPC114-06 19 June 2007 (Version 2.3 ) OITS SG SEPA DIRECT DEBIT SCHEME IMPLEMENTATION GUIDELINES Abstract Document Reference Issue This document sets out the SEPA rules for implementing the direct

More information

Intra-day payment Frequently asked questions

Intra-day payment Frequently asked questions Intra-day payment Frequently asked questions Contents 1. THE MEANING, advantages and scope of intra-day payment... 3 1.1. What does the launch of intra-day payment mean?... 3 1.2. What advantages does

More information

SEPA in Slovakia. Quick facts. International Bank Account Number (IBAN) IBAN structure. 75 SEPA Country Sheets - Slovakia

SEPA in Slovakia. Quick facts. International Bank Account Number (IBAN) IBAN structure. 75 SEPA Country Sheets - Slovakia SEPA in Slovakia Useful links Slovak Central Bank www.nbs.sk/en/payment-systems/sepa SEPA Implementation Plan Download the PDF Slovak Banking Association www.sbaonline.sk/en Quick facts International Bank

More information

SEPA. Changes in the Payment System Implementation of the European SEPA Regulations for Kuna and Euro Payments

SEPA. Changes in the Payment System Implementation of the European SEPA Regulations for Kuna and Euro Payments SEPA Changes in the Payment System Implementation of the European SEPA Regulations for Kuna and Euro Payments SEPA The Single Euro Payments Area (SEPA) stands for a European Union (EU) payments integration

More information

The New System of Accounts Message structure: Cash settlement balances derivatives (demt.smc.001.01)

The New System of Accounts Message structure: Cash settlement balances derivatives (demt.smc.001.01) The New System of Accounts Message structure: Cash settlement balances derivatives (demt.smc.001.01) Document date: 01.02.2007 : This message includes a statement of financial liabilities and receivables

More information

Switching your Business Current Accounts

Switching your Business Current Accounts Switching your Business Current Accounts Summary of the Key Features of the Account Switching Code for Business customers Bank of Ireland ("New Bank") can facilitate all the steps required in order to

More information

BULLETIN ON PAYMENT SERVICE

BULLETIN ON PAYMENT SERVICE 1 st. of April 2016 This bulletin contains general advance information on payment services which the Bank must provide to a consumer customer before entering into a master agreement (hereinafter the "Bulletin

More information

Electronic foreign currency payments, LUM2

Electronic foreign currency payments, LUM2 Electronic foreign currency payments, LUM2 Contents 1 Electronic foreign currency payment service... 3 2 Service agreement and testing... 3 2.1 Agreement... 3 2.2 Testing... 4 2.2.1 File transfer and processing...

More information

E-payment. Service description

E-payment. Service description E-payment Service description Page 2 (15) Content 1 E-payment... 3 1.1 General description... 3 1.2 Advantages... 3 1.3 Availability... 3 1.4 Security... 3 2 Service agreement, instructions and start-up...

More information

SEPA - Frequently Asked Questions

SEPA - Frequently Asked Questions SEPA - Frequently Asked Questions Contents SEPA Overview Questions... 2 What is SEPA?... 2 What is the aim of SEPA?... 3 Where did SEPA come from?... 3 What countries are included in SEPA?... 3 What currencies

More information

SEPA Country-Specific Information Hungary

SEPA Country-Specific Information Hungary SEPA Country-Specific Information Hungary Cash Management & ebanking January 2014 Contents INTRODUCTION 3 END-DATE INFORMATION 3 IBAN CONVERSION SERVICE 3 SEPA PRODUCTS 4 SEPA CREDITOR IDENTIFIER (CI)

More information

Appendix for BSK Implementerings Guides ISO 20022

Appendix for BSK Implementerings Guides ISO 20022 Appendix for BSK Implementerings Guides ISO 20022 PAIN 001.001.03 CustomerCreditTransferInitiation PAIN 002.001.03 CustomerPaymentStatusReport Eksempelfiler for transaksjoner i norske betalingssystemer

More information

SEPA CBI XML generator Documentation

SEPA CBI XML generator Documentation SEPA CBI XML generator Documentation Release 0.1.0 Emanuele Pucciarelli July 06, 2014 Contents 1 Introduction 3 2 Quick start 5 3 Usage 7 4 The IdHolder class 9 5 The Payment class 11 5.1 Adding transactions...........................................

More information

HAL E-BANK MANUAL ADDITIONAL TOOLS AND SETTINGS. Hal E-Bank version: 17.X.X.01

HAL E-BANK MANUAL ADDITIONAL TOOLS AND SETTINGS. Hal E-Bank version: 17.X.X.01 HAL E-BANK MANUAL ADDITIONAL TOOLS AND SETTINGS Hal E-Bank version: 17.X.X.01 Content of Manual The manual consists of several content sections. The current section is highlighted on the list. The manual's

More information

SEPA! No "niche" of questions unanswered. Ready, set... Editorial

SEPA! No niche of questions unanswered. Ready, set... Editorial Ready, set... SEPA! Quarterly bulletin Number 9 2016 No "niche" of questions unanswered Editorial Two years have passed since the famous SEPA end date took place in February 2014. It's definitely one of

More information

NOTIFICATION SERVICE GUIDELINES

NOTIFICATION SERVICE GUIDELINES NOTIFICATION SERVICE GUIDELINES Version 2.0 March 2012, added ReceiverProposal, changes to message descriptions, direct payment in use 18 January 2013. 1 (2) Table of Contents 1 General... 13 2 Message

More information

Standards MX Message Implementation Guide and Rule Book

Standards MX Message Implementation Guide and Rule Book Solutions SWIFT for Corporates Standards MX Message Implementation Guide and Rule Book Payment Initiation and Account Reporting This document describes and references a set of rules and guidelines you

More information

SUMMARY PRICE LIST. valid from 8 June 2016

SUMMARY PRICE LIST. valid from 8 June 2016 SUMMARY PRICE LIST valid from 8 June 2016 Page 1 I N D E X I. INDIVIDUAL PERSONS... 3 1. ACCOUNT SERVICES... 3 2. PAYMENT SERVICES... 6 II. CORPORATE CLIENTS... 9 1. ACCOUNT SERVICES... 9 2. PAYMENT SERVICES...

More information

F o r e i g n p a y m e n t i n P o l a n d Page 1 of 6 B u s i n e s s O n l i n e

F o r e i g n p a y m e n t i n P o l a n d Page 1 of 6 B u s i n e s s O n l i n e F o r e i g n p a y m e n t i n P o l a n d Page 1 of 6 Version 2 Change log Version Date Change 1 2013-10-07 Document created 2 2015-01-09 Field :57D: updated with bank codes (e.g FedWire routing No.

More information

1.1. Overview... 5 1.2. Direct credits... 6 1.3. Direct debits... 9 1.4. Nab direct credits... 12

1.1. Overview... 5 1.2. Direct credits... 6 1.3. Direct debits... 9 1.4. Nab direct credits... 12 1.1. Overview... 5 1.2. Direct credits... 6 1.3. Direct debits... 9 1.4. Nab direct credits... 12 2.1. Overview... 16 2.2. Credit card transaction... 17 2.3. Credit card response... 20 3.1. Overview...

More information

ibusiness Banking User guide

ibusiness Banking User guide ibusiness Banking User guide www.aibgb.co.uk/ibusinessbanking Contents Overview 1 Getting Started 2 Daily log-on 3 The role of the Local Administrator 5 The role of the User 6 Viewing Account Information

More information

in Fr a nce Introduction

in Fr a nce Introduction in Fr a nce Introduction This document provides an overview of all the country specific information you need to successfully implement your migration to SEPA in France. Intending to provide a global picture

More information

HSBC Your Guide to SEPA. Capitalising on the opportunities

HSBC Your Guide to SEPA. Capitalising on the opportunities HSBC Your Guide to SEPA Capitalising on the opportunities Executive Summary Developed by the European Payments Council, the Single Euro Payments Area or SEPA expands on the vision behind the Euro to establish

More information

corporate payment charges

corporate payment charges corporate payment charges 2015 Payment products Accounts Business account 5.50 per account per month Third Party account 5.50 per account per month Foreign Currency account 5.50 per account per month Business

More information

SEPA Credit Transfer Customer-to-Bank Implementation Guidelines for the Netherlands

SEPA Credit Transfer Customer-to-Bank Implementation Guidelines for the Netherlands SEPA Credit Transfer Customer-to-Bank Implementation Guidelines for the Netherlands Disclaimer These guidelines may be subject to changes. Utmost care has been taken to ensure the information in this publication

More information

Short description of services offered to business customers in Danske Internet Bank

Short description of services offered to business customers in Danske Internet Bank Short description of services offered to business customers in Danske Internet Bank Field of activity Entry to Danske Internet Bank Accounts Services Agreements Security elements Account balance Account

More information

This translation has been prepared with the greatest possible care; however, in case of doubt, the German text is the authoritative version.

This translation has been prepared with the greatest possible care; however, in case of doubt, the German text is the authoritative version. The Deutsche Bundesbank s technical specifications for the clearing and settlement of interbank SEPA credit transfers via the RPS SEPA- Clearer ( SCT/BCT/SCL technical specifications ) Version 2.5 valid

More information

Entering the Take-up data in CrossCheck Travel

Entering the Take-up data in CrossCheck Travel Entering the Take-up data in CrossCheck Travel Review of Data Entry procedures By now you will have prepared your financial take-up figures ready to be entered into CCT and faxed them to your GSC representative.

More information

480.84 en (pf.ch/dok.pf) 10.2015 PF. Manual PostFinance ISO messages for banks [pacs messages]

480.84 en (pf.ch/dok.pf) 10.2015 PF. Manual PostFinance ISO messages for banks [pacs messages] 480.84 en (pf.ch/dok.pf) 10.2015 PF Manual PostFinance ISO messages for banks [pacs messages] Customer service Enquiries concerning service ISO 20022 for banks PostFinance Ltd Customer Service Banks Mingerstrasse

More information

for CONSUMERS Information on the SINGLE EURO PAYMENTS AREA

for CONSUMERS Information on the SINGLE EURO PAYMENTS AREA Version 5.0 - February 2014 for CONSUMERS Information on the SINGLE EURO PAYMENTS AREA All you need to know about SEPA EPC Shortcut Series* Shortcut to SEPA Shortcut to the SEPA Direct Debit Schemes Shortcut

More information

Functional specification for Payments Corporate egateway

Functional specification for Payments Corporate egateway Functional specification for Payments Corporate egateway 2(53) Page Table of contents 1 Introduction... 5 1.1 Explanation of definitions for EDIFACT & XML ISO20022 6 1.2 Level descriptions for EDIFACT

More information