SEPA Country-Specific Information Austria

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1 SEPA Country-Specific Information Austria Cash Management & ebanking January 2014

2 Contents INTRODUCTION 3 END-DATE INFORMATION 3 IBAN CONVERSION SERVICE 3 SEPA PRODUCTS 4 SEPA CREDITOR IDENTIFIER (CI) 6 MANDATE INFORMATION 6 SEPA FORMATS 7 CHANNELS AND CUT-OFF TIMES 8 MISCELLANEOUS 8 VALUE-ADDED SERVICES 9

3 3 INTRODUCTION This document provides an overview of all country-specific information you need in order to successfully overcome the challenges of SEPA and achieve a seamless migration. Being properly informed and equipped with the necessary tools, you will be able to fully realise all the potential the new SEPA instruments will bring. END-DATE INFORMATION SEPA has become a regulatory project. The mandatory end-date was agreed upon for 31 January Regulation (EU) no. 260/2012 set the end-dates for national payment schemes and SEPA migration schemes, as follows: END-DATE INFORMATION The end date was set for 31 January 2014 based on the EU regulation 260/2012. The amendment for an additional transition period until 31 July 2014 was approved by the EU authorities. The related impact on national products is linked to the end-date information. For more related information please refer to the link below.* National formats 31 July 2014 Niche products (Products with less than 10% market share/country, based on ECB statistics) 31 January 2016 Paper-based transactions which could not be translated into SEPA transactions (ATIB) National products with a different migration date 31 January 2016 Elektronisches Lastschriftverfahren, ELV Payment transactions made by using a payment card at the point of sale which results in a direct debit Optional BIC national 31 January 2014 Optional BIC cross-border 31 January 2016 Conversion services for national payments using BBAN for consumers 31 January 2016 IBAN/BIC CONVERSION SERVICE Conversion tools offered by a third party The APC (Austrian Payment Council) has developed a conversion service, based on CSV format, enabling the conversion from legacy account numbers and bank routing codes to IBAN and BIC. This service is offered by all Austrian banks. Conversion tools offered by UniCredit Bank Austria AG We offer our corporate customers a conversion service (subject to a fee) for Austrian account relationships. The standard format for all conversions of all banks can be downloaded from the STUZZA website (the English format can be accessed only via the German-language version): IBAN BIC- IBAN-Konvertierungs-Service Einheitliches Format. Bank Austria customers can deliver their data (including the account numbers and Bank Codes of your customers with Austrian bank accounts) via , USB stick or another data carrier in CSV format. *

4 4 IBAN structure In Austria the IBAN is composed of 20 characters structured as follows Positions 1 2: ISO country code (AT for Austria) Positions 3 4: Check digits Positions 5 9: Bank and branch identifier (Bankleitzahl BLZ) Characters 10 20: Account number* * Please note that Austrian account numbers have in every case 11 digits, if only less digits of the account number are shown in a document (e.g. 1234), '0' should be added on the left side in order to reach the 11 characters (e.g ) SEPA PRODUCTS Domestic products Bulk domestic EUR credit transfers (e.g. EDIFACT) will have to be migrated to SCT. Domestic direct debits ( Einzugsermächtigung and Abbuchungsauftrag für Lastschriften ) will have to be migrated to SDD Core. COMPARISON EU STANDARD TRANSFER VS. SEPA CREDIT TRANSFER Criteria EU Standard Transfer Domestic Credit Transfer SEPA Credit Transfer Coverage area IBAN/BIC Transactions For domestic and cross-border payments within the SEPA area IBAN and BIC of beneficiary required SHARED fees only EUR currency Processing time** 1 day guaranteed since days for paper-based Execution date Central Bank reporting * BIC mandatory only for cross-border payments ** Working days Debit: At execution date Credit: 1 day (based on PSD) Austrian National Bank reporting has to be done separately by the ordering party; only for crossborder payments Only for domestic payments Account number and National Bank Code required N/A 1 day guaranteed since days for paper-based Debit: At execution date Credit: UniCredit Bank Austria AG: D+0 Other banks: D+1 Austrian National Bank reporting has to be done separately by the ordering party; only for crossborder payments For cross-border payments within EU and domestic payments IBAN/BIC* of beneficiary required SHARED fees only EUR currency 1 day guaranteed since days for paper-based Debit: At execution date Credit: UniCredit Bank Austria AG: D+0 Other banks: D+1 Austrian National Bank reporting has to be done separately by the ordering party; only for crossborder payments

5 5 Comparison Domestic Direct Debits vs. SEPA Direct Debits While designing your migration approach, make sure you understand the related impact, as also summarised below: COMPARISON DOMESTIC DIRECT DEBITS VS. SEPA DIRECT DEBITS Criteria Einzugsermächtigung Abbuchungsauftrag für Lastschriften Allowance of SDD collection No Local format does not contain all necessary data to allow SDD SDD Core Region Only domestic Only domestic Domestic and crossborder Format EDIFACT EDIFACT XML XML Yes SDD B2B Domestic and crossborder Sequence type N/A N/A First/Recurrent/One-off First/Recurrent/One-off Eligible debtor Submission** and due date Mandate management Refunds Mandate checking Consumer and nonconsumer Consumer and nonconsumer Consumer and nonconsumer No due date, paid at sight No due date, paid at sight D-5 (First/One-off) D-2 (Recurrent) D-1 (COR1)*** Einzugsermächtigung kept by the creditor Unconditional refund right within 8 weeks, following the date of debit 13 months for an unauthorised transaction No check of the Einzugsermächtigung by the debtor bank Abbuchungsauftrag für Lastschriften kept by the creditor and by the debtor bank No refund for an authorised transaction (if additional information is provided to the debtor) 13 months for an unauthorised transaction Check of the Abbuchungsauftrag für Lastschriften by the debtor bank Mandate kept by the creditor Unconditional refund right within 8 weeks, following the date of debit. 13 months for an unauthorised transaction No check of the mandate by the debtor bank Pre-notification N/A N/A Min. 14 days before due date**** * In Austria, micro-enterprises are seen as businesses and can therefore be declared debtors of B2B mandates ** Please consider the cut-off-time of the bank *** Direct debit with reduced presentation date (D-1) = COR1 as an option based on the Rulebook 6.0 (for Austrian IBAN) **** The Pre-notification time can be reduced if agreed upon by both the debtor and the creditor. Non-consumer only * D-1 (all) Mandate kept by the creditor and by the debtor bank No refund for authorised transactions No unauthorised transaction is possible (all mandate information is stored and checked for each transaction) A copy of the mandate must be stored at debtor s bank before the first collection and is checked by the debtor bank with every debit entry Min. 14 days before due date****

6 6 SEPA CREDITOR IDENTIFIER (CID) CID for Austria CID for Austria consists of 18 characters, structured as follows: Positions 1 2: ISO country code (AT for Austria) Positions 3 4: Check digits Positions 5 7: Creditor Business Code (to be assigned by creditor, by default ZZZ ) Characters 8 18: Creditor National Identifier numbered in consecutive ascending order How to obtain a Creditor Identifier An Austrian CID can be obtained via UniCredit Bank Austria AG and is issued by the Austrian Central Bank. The prerequisite for its allocation is for the creditor to have its main residence/office in Austria. A CID issued by the Austrian Central Bank can be used in all SEPA countries. MANDATE INFORMATION Mandate migration In Austria existing authorised mandates based on the Austrian Einzugsermächtigung and Abbuchungsauftrag für Lastschriften can be migrated easily: Existent Einzugsermächtigungsverfahren and Abbuchungsauftrag für Lastschriften mandates can be transformed into SDD CORE A mandate transformation into SDD B2B is not possible, a new mandate has to be issued by the creditor Migration rules A written and authorised direct debit Einzugsermächtigung or Abbuchungsauftrag für Lastschriften must exist at the creditor Mandate Reference and CID must be noted at the old mandate Paying party (debtor) must be informed by the creditor about mandate s details (e.g. CID, Mandate Reference, due date) before the first collection via SDD Core (e.g. via Pre-notification) First collection of an SDD is carried out with the FIRST sequence Date of the Pre-notification for migration is used as prenotification to the debtor SDD B2B: No migration from the old mandates is possible; a new mandate from previous debtors participating in the debit order procedure needs to be obtained by the creditor; a copy of the mandate needs to be presented by the debtor at its bank

7 7 SEPA FORMATS Country-specific formats are based on ISO20022 and have been adopted by the respective domestic banks. STUZZA (Studiengesellschaft für Zusammenarbeit im Zahlungsverkehr) is the local administrator for Austrian customer bank formats, valid for all banks and customers in Austria. For more details please refer to the website where the specifications of data formats are described. For validation purposes an own XML Checker is available. Overview Products related to domestic formats Direct debits and domestic credit transfers in Austria are largely used as payment collection instruments and are generally processed in EDIFACT format. OVERVIEW PRODUCTS RELATED TO DOMESTIC FORMATS Type Description End date Target product and specifics/formats EDIFACT Supporting Einzugsermächtigung EDIFACT Supporting Abbuchungsauftrag für Lastschriften EDIFACT Supporting credit transfer EDIFACT Domestic urgent payments Einzugsermächtigung is a form of direct debit with refund right Abbuchungsauftrag für Lastschriften is a form of direct debit without a refund Used for domestic credit transfers 31 July 2014 Used for urgent payments 31 July 2014 Target product SDD CORE: Existing mandates can be transferred into SDD CORE, after the debtor has been informed about the switch to SDD (including the CID and the respective mandate ID) Format: Austrian SEPA XML SDD CORE (pain.008) 31 July 2014 Target product SDD CORE: Existing mandates can be transfed into SDD CORE, after the debtor has been informed about the switch to SDD (including the CID and the respective mandate ID); if changed to SDD B2B a new mandate has to be issued Format: Austrian SEPA XML SDD CORE (pain.008) Target product SCT Format: Austrian SEPA XML SCT (pain.001) No end-date has been defined so far Target product XML-urgent (not SEPA-related): Already offered by UniCredit Bank Austria AG and by other banks in Austria from September 2013 onwards Format: Austrian NON-SEPA XML (pain.001) XML related formats availability at UniCredit Bank Austria AG XML RELATED PAYMENT INITIATION, BOOKING INFORMATION AND ACCOUNT STATEMENTS Availability at UniCredit Bank Austria AG Note: camt. is not guaranteed by every bank. XML urgent pain.001 pain.001 pain.002 pain.008 camt.052 camt.053 camt.054 camt.086 Yes Yes No Yes Yes Yes Yes No (planned (planned for 2014) for 2014)

8 8 Remittance information Either unstructured or structured remittance information is possible. If both are delivered on paper based orders only the structured information will be forwarded to the creditor. CHANNELS AND CUT-OFF TIMES CHANNELS FOR SEPA PAYMENTS INITIATION SWIFT Availability Fin and FileAct for both SCORE and MA-CUG Local ebanking solution BusinessLine, BusinessNet, MultiCash (EBICS communication) Others Host-to-host Paper-based Single payment Online-banking, Telephone banking, self service terminals Support of different protocols (e.g. ConnectDirect, Ecodex, etc.) SCT B2B/ Core SCT B2B/ Core Bulk payments (electronic files) SCT B2B/ Core Yes No Yes Yes Yes Yes CUT-OFF TIMES COT SEPA Credit Transfer SDD Core SDD B2B 1 p.m. CET (> 1 p.m. CET on a best-effort basis) 1 p.m. CET (> 1 p.m. CET on a best-effort basis) Presentation day Same day SDD CORE: D-6/D-3 First/One-off/Recurrent SDD COR1: D-2 First/One-off/Recurrent 1 p.m. CET (> 1 p.m. CET on a best-effort basis) D-2 MISCELLANEOUS Interchange fees for direct debits There is currently a Fee as a return fee/refund fee/item to be paid by the creditor bank to the debtor bank (the amount of this fee is not fixed and varies from bank to bank). The fee is passed on to the creditor. Additional optional services COR 1 Local instrument code COR1 created in order to cater to an optional shorter time cycle (D-1). The Austrian Payment Council introduced this service in Austria starting 8 April 2013.

9 9 VALUE-ADDED SERVICES UniCredit Bank Austria AG is able to provide you with additional value-added services. Support of different category purposes (e.g. SALA for salary payments) Same-day salary payments This special service is offerred by UniCredit Bank Austria AG in order to support our customers with handling SEPA salary payments in an efficient and automatic manner. This solution enables the salaries of all your employees to be booked on the same day irrespective of whether payment recipients have their accounts with UniCredit Bank Austria AG or another bank within the SEPA area. XML Urgent Payments Payments will be processed with same-day value at the beneficiary bank if submitted within the COT (e.g. 1 p.m. CET when sent via our electronic banking solution) XML EUR urgent can be used for domestic payments within Austria and cross-border to all EU/EEA countries. The execution of these payments to the beneficiary bank will occur as fast as possible with compensated value Please use Austrian SEPA XML format version pain (For further details please refer to the STUZZA homepage Three different products are available: Urgent Payments, Same-day Value Payments, Intra-day Payments Testing services File check: XML scheme checks based on APC-, EPC-, and ISO-Format; additional business rules are checked Test reports including the results shown in the format tree available in English 1 EUR end-to-end-test in the production environment or user acceptance test in the testing environment Connectivity test ebanking camt.05x test and parallel delivery in addition to current MT94x messages Sample files for all relevant message types (available at the STUZZA homepage Camt. messages UniCredit Bank Austria AG supports all relevant camt.0xx messages (account information). More information on different SEPA topics, including the Country-Specifics Guides can be found on our website UniCredit Bank Austria AG's website also provides comprehensive, related information. Please refer to Disclaimer The products and services featured above are offered by a network of banks and representative offices of UniCredit S.p.A. or its affiliates (the UniCredit Group ) in accordance with appropriate local legislation and regulation. UniCredit Corporate & Investment Banking is a trademark of UniCredit S.p.A. Nothing in this publication is intended to create contractual obligations on any of the entities composing Corporate & Investment Banking Area of UniCredit Group which is composed of (the respective Units of) UniCredit Bank AG, Munich, UniCredit Bank Austria AG, Vienna, and UniCredit S.p.A., Rome. UniCredit Bank AG is regulated by the German Financial Supervisory Authority (BaFin), UniCredit Bank Austria AG is regulated by the Austrian Financial Market Authority (FMA) and UniCredit S.p.A. is regulated by both the Banca d Italia and the Commissione Nazionale per le Societa e la Borsa (Consob).

10 UniCredit Bank AG Corporate & Investment Banking Cash Management & ebanking Am Tucherpark 1 D Munich

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