ING Bank N.V., Prague branch. Payments in ING Online electronic banking. User guide

Transcription

1 ING Bank N.V., Prague branch Payments in ING Online electronic banking User guide

2 Overview of transactions Transaction Page 1. Domestic payment in Czech Republic 5 2. Direct Debit 7 3. International Payment in CZK 9 4. International payment outside European Union and EEA Option 1 known SWIFT / BIC of the beneficiary bank 5. International payment outside European Union and EEA Option 2 unknown SWIFT / BIC of the beneficiary bank 6. International payment outside European Union and EEA Option 3 payment to Russian Federation in RUB Conversion between clients own accounts 17 Zahraniční P ING Online User guide for payments submission 2

3 Cut Off Times (COT) Table 1 Payments Currency COT Remarks Settlement Standard payments to third banks CZK PLN, HUF, RON, BGN, NOK,SEK, DKK, JPY, AUD, CHF, TRY, RUB 16:00 D 14:00 D Local clearing payment or outward SWIFT. Regardless conversion Outward SWIFT. Regardless conversion. D+1 D+1 EUR, GBP, USD, CAD 15:30 D CZK 12:00 D Or other instructed currencies converted to CZK clearing payment. D EUR, USD, GBP, CAD 14:30 D Instructed as MT103 SDVA Regardless conversion. D Urgent payments to third banks* CHF, PLN, HUF, RON, BGN, NOK, SEK, DKK KZT, RUB, TRY 09:00 D 10:00 D Instructed as MT103 SDVA Regardless conversion. DKK and SEK may not always be guaranteed same day value receipt by ultimate beneficiary. D JPY, AUD 12:00 D D 1 Internal Any 16:00 D Regardless conversion. D transfers * flagged in electronic banking as urgent (express) The Bank will provide: Online updates on debit and credit movements throughout the day until 06:00 p.m. CET; Electronic account statement between 5 AM CET and 8 AM CET on the following day. ING Online User guide for payments submission 3

4 Code/reserved words used for electronic payment In the tables below you will find code/reserved words, which may have an impact on the level of automation during the payments processing process in ING Commercial Banking Prague. Code/reserved words valid specifically per Czech Republic are listed in the Table 2. Table 2 Code word EXPP NOSTP SXWIFT FX NOSTRO Note Express payment Sent for manual processing Sent for manual processing (spec.) Sent for manual processing (spec.) Code/reserved words from the Table 2 can be used only after prior agreement with ING Bank; unless you have agreed upon in the past already. In the Table 3 we list the reserved words that systems recognize but their presence in payment instruction (regardless whether domestic or international payment) sent to ING Commercial Banking Praha are not allowed. In case that string of letters corresponds to some of reserved words in the Table 3 will be recognized during payments processing this transaction might be processed the way you have not intended. Table 3 Reserved word RTGS //RT SDVA URGP EXPRES URGENT TRFCCY: MF. BKMG PDE PDM INTC /REJT /REJTN Note Restricted for CZ, transaction might not be processed according original request Before the first usage of a code/reserved word present in the Table 2 please call ING Online User guide for payments submission 4

5 1. Domestic payment in Czech Republic To create this type of payment in the ING Online use option Transactions> Domestic Payment". Field Description Example Express - choose for same day value D+0 (tick out) box if you want to Payment Payer Account Name credit the beneficiary account the same day as debit - enter value date of transaction - future value payment are accepted only if the day date does not exceed 90 days - payment executions is determine to date of sending select account from your list name of client appears automatically, also manual THE IPCM TEST amendment is available MANAGEMENT GROUP - account number of client appears automatically Account Address - address of the ordering party appears automatically PLZENSKA 345/5 PRAHA Amount Amount - enter amount of the transfer Currency - select currency from the list CZK Beneficiary Name - enter whole and exact name of the beneficiary, use line 1 and line 2. - Street - enter street address of the beneficiary ULICNI 10 City - enter city of the address of beneficiary PRAHA 1 Beneficiary s Bank PRIJEMCE S.R.O. Pre account - enter the pre account number (if the account contains it) 86 number Account - enter the account number of the beneficiary bank Bank code - enter the bank code of beneficiary bank 0100 Bank name - name of beneficiary bank appears automatically KOMERCNI BANKA, A.S. Symbols Constant Optional select from the list 8 Variable Optional Specific Optional PAYMENTS Detail of Payment Line 1 - please quote INVOICE Line 2 additional Line 3 information Line 4 for beneficiary, only! Recurring Payment order - choose to create a template for a standing order (RPO) ING Online User guide for payments submission 5

6 Pic.1 Domestic payment ING Online User guide for payments submission 6

7 2. Direct Debit To create this type of payment in the ING Online use option Transactions> Direct Debit". Field Description Example Express - choose for same day value D+0 (tick out) box if you want to Payment credit the beneficiary account the same day as debit - enter value date of transaction - future value payment are accepted only if the day date does not exceed 90 days - payment executions is determine to date of sending Initiating party Account - select account from your list Name - name of client appears automatically TEST MANAGEMENT GROUP Account - account number of client appears automatically Address - address of the ordering party appears automatically PLZENSKA 345/5 PRAHA Amount Amount - enter amount of the transfer Currency - select currency from the list CZK Payer Name - enter whole and exact name of the payer, use line 1 and line 2. PLATCE S.R.O. Street - enter street address of the payer INKASNI 10 City - enter city of the address of payer PRAHA 2 Payer Bank Prefix - enter the pre account number (if the account contains it) Account - enter the account number of the payer bank Bank code - enter the bank code of payer bank 0800 Bank name - name of payer bank appears automatically CESKA SPORITELNA, A.S. Symbols Constant Optional select from the list 8 Variable Optional Specific Optional PAYMENTS Detail of Payment Line 1 - please quote INVOICE 05/2012 Line 2 additional Line 3 information Line 4 for beneficiary, only! Recurring Payment order - choose to create a template for a standing order (RPO) ING Online User guide for payments submission 7

8 Pic. 2. Direct Debit ING Online User guide for payments submission 8

9 3. International Payment in CZK To enter this type of payment in the ING Online use option Transactions> International Payment in CZK". Field Description Example Express - choose for same day value D+0 (tick out) box if you want to Payment credit the beneficiary account the same day as debit - enter value date of transaction - future value payment are accepted only if the day date does not exceed 90 days - payment executions is determine to date of sending Initiating party Account - select account from your list Name - name of client appears automatically TEST MANAGEMENT GROUP Account - account number of client appears automatically Address - address of the ordering party appears automatically PLZENSKA 345/5 PRAHA Amount Amount - enter amount of the transfer Currency - select currency from the list CZK Beneficiary Name - enter whole and exact name of the beneficiary, use line 1 and 2. Street - enter street address of the beneficiary ULICNI 10 City - enter city of the address of beneficiary PRAHA 1 Country - select country from the list CZ Beneficiary s Bank SWIFT/ BIC - enter exact SWIFT ( BIC Bank Identifier Code) of beneciary bank PRIJEMCE S.R.O. INGBCZPP Name - appears automatically ING BANK N. V. Address - appears automatically PLZENSKA 345/5 City - appears automatically PRAGUE Country - appears automatically CZ Account - enter IBAN, if IBAN is not known use account number - IBAN can be use in various formats, IBAN CZ , or IBAN CZ , or IBAN CZ , the payment order must to be filled entirely without shortcut "IBAN", spaces, periods, dashes or other special characters. CZ IBAN Unchecked, check if IBAN is given CZK Correspondent of Beneficiary`s Bank Optional; Both lines must be filled! Optional; Both lines must be filled! KOMERCNI BANKA, A.S. Payments title Optional select from the list 110 Detail of Payment - if necessary, provide information to the recipient INVOICE Recurring Payment order - choose to create a template for a standing order (RPO) ING Online User guide for payments submission 9

10 Pic. 3 International Payment in CZK ING Online User guide for payments submission 10

11 4. International payment outside European Union and EEA Option 1 known SWIFT / BIC of the beneficiary bank Specifics: When using OUR for payment orders to the U.S., the fee will be automatically changed by U.S. banks to BEN or SHA. To enter this type of payment in the ING Online use option Transactions> International Payment". Field Description Example Express - choose for same day value D+0 (tick out) box if you want to Payment Initiating party Account credit the beneficiary account the same day as debit - enter value date of transaction - future value payment are accepted only if the day date does not exceed 90 days - payment executions is determine to date of sending select account from your list Name - name of client appears automatically TEST MANAGEMENT GROUP Account - account number of client appears automatically Address - address of the ordering party appears automatically PLZENSKA 345/5 PRAHA Amount Amount - enter amount of the transfer Currency - select currency from the list USD Beneficiary Name - enter whole and exact name of the beneficiary, use line 1 and SHIPS AND CO LTD line 2. Street - enter street address of the beneficiary 213 MAIN STREET City - enter city of the address of beneficiary PORTLAND Country - select country from the list US Beneficiary s Bank SWIFT/ BIC - enter exact SWIFT ( BIC Bank Identifier Code) of beneficiary bank BBRUBEBB Name - appears automatically ING BELGIUM NV/SA Address - appears automatically AVENUE MARNIX 24 City - appears automatically BRUSSELS Country - appears automatically BE Account - enter IBAN - IBAN can be use in various formats, IBAN UA , or IBAN UA , or IBAN UA the payment order must to be filled entirely without shortcut "IBAN", spaces, periods, dashes or other special characters. - if the IBAN is not known, enter the account number (BBAN) exactly as shown in the accounting document IBAN Unchecked, check if IBAN is given Payments title Optional select from the list 110 Detail of Payment Line 1 - please quote CAR PARTS Line 2 additional INVOICE Line 3 information Line 4 for beneficiary, only! Details of Charges select an option from the list of management fees SHA Recurring Payment order - choose to create a template for a standing order (RPO) * Charges are always shared (SHA) in case of sending EHP currency within EU/EHP according of legislation adopted by the Eiropean Union (the Payment service directive PSD EU Directive 2007/64/EC, OJ L 319/1). ING Online User guide for payments submission 11

12 Pic. 4. International payment outside European Union and EEA ( known SWIFT/ BIC of the beneficiary bank) ING Online User guide for payments submission 12

13 5. International payment outside European Union and EEA Option 2 unknown SWIFT / BIC of the beneficiary bank Specifics: When using OUR for payment orders to the U.S., the fee will be automatically changed by U.S. banks to BEN or SHA. To enter this type of payment in the ING Online use option Transactions> International Payment". Field Description Example Express - choose for same day value D+0 (tick out) box if you want to Payment Initiating party Account credit the beneficiary account the same day as debit - enter value date of transaction - future value payment are accepted only if the day date does not exceed 90 days - payment executions is determine to date of sending select account from your list Name - name of client appears automatically TEST MANAGEMENT GROUP Account - account number of client appears automatically Address - address of the ordering party appears automatically PLZENSKA 345/5 PRAHA Amount Amount - enter amount of the transfer Currency - select currency from the list USD Beneficiary Name - enter whole and exact name of the beneficiary, use line 1 and SHIPS AND CO LTD 2. Street - enter street address of the beneficiary 213 MAIN STREET City - enter city of the address of beneficiary PORTLAND Country - select country from the list US Beneficiary s Bank SWIFT/ BIC Do not fill Name - enter whole and exact name of the beneficiary, use line 1 and PORTLAND BANK 2. - routing number, or SC (Sort Code) Address - enter address of the beneficiary 118 LONG STREET City - enter city of the address of beneficiary PORTLAND Country - select country from the list US Account - fill in the account number (IBAN or BBAN) exactly as shown the accounting document IBAN Unchecked, check if IBAN is given Payments title - select from the list 110 Detail of Payment Line 1 - routing number, or SC (Sort Code) CAR PARTS Line 2 - please quote INVOICE Line 3 additional Line 4 Information for beneficiary, only! Details of Charges select an option from the list of management fees* SHA Recurring Payment order - choose to create a template for a standing order (RPO) * Charges are always shared (SHA) in case of sending EHP currency within EU/EHP according of legislation adopted by the Eiropean Union (the Payment service directive PSD EU Directive 2007/64/EC, OJ L 319/1). ING Online User guide for payments submission 13

14 Pic. 5 International payment outside European Union and EEA (unknown SWIFT/ BIC of the beneficiary bank) ING Online User guide for payments submission 14

15 6. International payment outside European Union and EEA Option 3 payment to Russian Federation in RUB To enter this type of payment in the ING Online use option Transactions> International Payment in CZK". Field Description Example Express - choose for same day value D+0 (tick out) box Payment Payer Account - enter value date of transaction - future value payment are accepted only if the day date does not exceed 90 days - payment executions is determine to date of sending select account from your list Name - name of client appears automatically TEST MANAGEMENT GROUP Account - account number of client appears automatically Address - address of the ordering party appears automatically PLZENSKA 345/5 PRAHA Amount Amount - enter amount of transfer Currency - select currency from the list RUB Beneficiary Name - enter whole and exact name of the beneficiary, use line 1 and line 2. Street - enter street address of the beneficiary RED SQUARE 53 City - enter city of the address of beneficiary MOSCOW Country - select country from the list RU Beneficiary s Bank SWIFT/ BIC - enter the exact SWIFT address ( co called BIC Bank Identifier Code) of the beneficiary bank PROSPERITY KOVORUB FUND O.O.O., INGBRUMMXXX Name - enter the exact name of the beneficiary bank, use line 1 and 2. ING BANK (EURASIA) ZAO Address - enter street address of the beneficiary bank AMBER PLAZA City - enter city of beneficiary bank MOSCOW Country - choose country for the list RU Account No - the account number is always 20 characters; fill it exactly as shown in the accounting document - account number must be complete with a slash and number of the INN identifier (10 to 12 digit registration number of the tax administration similar to the Czech VAT)!optional! / INN IBAN Unchecked Payment Title - choose from the payment title list 110 Detail of Payment Line 1 - enter identifier "VOCODE" (5 digit Russian payment title) VOCODE Line 2 - enter identifier "C / A" (20 digit account number at the Russian National Bank correspondent account) Line 3 - enter identifier "BIK" (9 digit numeric Bank Identifier Code) BIK Line 4 - please provide more relevant data indicating clear reason / subject of payment (verbal description of the reason payment or, where applicable, as well as number of invoices, contracts, and information on value added tax (VAT) * C/A ICOPAL LLC NO, , REPLENISHMENT OF A/C, NO VAT Any transaction must retain the above payment details; the order of additional data is arbitrary! Details of charges - select one of the options from the list of management fees SHA Recurring Payment order - choose to create a template for a standing order (RPO) * ATTENTION! Information about the detail of value added tax must be included in all cases: NO VAT VAT is included VAT is excluded VAT not appreciable VAT is % If you have questions about any payments in RUB, please contact your Account Manager. ING Online User guide for payments submission 15

16 Pic. 6 International payment outside European Union and EEA (payment to Russian Federation in RUB) ING Online User guide for payments submission 16

17 7. Conversion between clients own accounts To enter this payment in ING Online use Transactions> Conversion between clients own accounts. Description Example Datum Due Debetní účet Account - the date (current) appears automatically select account from your list Name - name of client appears automatically THE IPCM TEST MANAGEMENT GROUP BIJLMERPLEIN 888 AMP N AMSTERDAM ZUIDOOST Credit Account Account - select account from your list Name - name of client appears automatically THE IPCM TEST MANAGEMENT GROUP Amount Sell Amount Buy Amount! Please always use the bought amount! 1000 Informative ING Exchange Rate Details of Payment Line 1 Line 2 - please quote additional information for beneficiary, only! Pic. 8. Conversion between clients own accounts ING Online User guide for payments submission 17

18 Notes ING Online User guide for payments submission 18

19 ING Online User guide for payments submission 19

20