Technical Specifications

Size: px
Start display at page:

Download "Technical Specifications"

Transcription

1 SEPA Plus TXT Files Version 3 Technical Specifications This document describes the technical matters of the SEPA ROUTING TXT file, included in the SEPA Plus product. The file is used by financial institutions to find for a beneficiary bank the available SEPA payment channels. For the IBAN Plus files please read the IBAN Plus Technical Specifications. Update date: 12 November 2012 Note that changes relative to Version 2 are marked in blue font.

2 Table of Contents Table of Contents... 2 Preface General product information SEPA Plus File format File names Previous file versions Downloading the files Importing the files Future file changes Release notes Support SEPA ROUTING file Field definitions... 7 Appendix A Character Set... 9 Appendix B Fields and Flags B.1 Modification Flag...10 B.2 Record keys...10 B.3 Date fields...10 Appendix C Payment Channel List Appendix D - Cross Referencing D.1 BIC field...12 D.2 COUNTRY CODE field...12 Appendix E SEPA Additional Optional Services Legal Notices

3 Preface Packaging The SEPA Plus product contains the files that are part of the IBAN Plus product and the file SEPA ROUTING TXT. For the technical details of IBAN Plus files please read the IBAN Plus TXT Files technical specifications. This document describes the SEPA ROUTING file. The SEPA ROUTING file is also available as part of the Payment Plus product package. Purpose The SEPA ROUTING file contains data that is needed to send SEPA payments to the right SEPA-ready destination using SEPA-ready channels. The SEPA ROUTING file includes data that are used by financial institutions to Look-up a financial institution s available SEPA channels (ACHes or CSMs) and their intermediaries in case they are indirect participants Choose the most convenient channel for the payment The SEPA ROUTING file contains a bank s membership of SEPA compliant Clearing and Settlement Mechanism (CSM), operational readiness for the SEPA schemes and any intermediary institutions. The SEPA ROUTING file is intended for use with the IBAN Plus file. Data sources The data is obtained from, cross-referenced with and validated against the following sources: ISO 9362 BIC Directory. Financial institutions operationally ready for SEPA collected via SEPA PAKs (online screens). SEPA Clearing and Settlement Mechanisms. 3

4 1 General product information 1.1 SEPA Plus The product SEPA Plus is one of the products of SWIFTRef. The SEPA Plus product includes a set of TXT files. A subset of the files is separately available as the IBAN Plus product. The files are compressed in a.zip package. The zip package is updated and published monthly. 1.2 File format The files are structured TXT files, with: Line separator: CR/LF Field separator: Tab character File extension:.txt The files are encoded in the UFD8 format. The characters used within the files belong to the SWIFT X character set (see Appendix). 1.3 File names The downloadable SEPA Plus zip package contains the following files: Latest file versions Available SEPAROUTING_V3_FULL_YYYYMMDD.txt Jan 2013 SEPAROUTING _V3_DELTA_YYYYMMDD.txt Feb 2013 IBANPLUS_V3_FULL_YYYYMMDD.txt Jan 2013 IBANPLUS_V3_DELTA_YYYYMMDD.txt Feb 2013 IBANSTRUCTURE_FULL_YYYYMMDD.txt Currently The FULL file contains the full set of data. It can be used to re-initialise, re-build the target data base. The DELTA file only contains the changes (additions, deletions and modifications) relative to the previous release. It is used to update the target data base. There is no DELTA version of the IBAN STRUCTURE file. The structure and content of the SEPA ROUTING files are explained in further sections in this document. The IBAN PLUS and the IBAN STRUCTURE files are described in the IBAN Plus TXT Files technical specifications document. The md5sum file (not shown in table above) contains the digest for file integrity verification. The Release Notes file (optional, not shown in table above) contains a brief description of the latest changes (see section Release Notes). 4

5 1.4 Previous file versions SEPA Plus TXT Files Technical Specifications The files listed in the previous section are the latest version files included in the zip package. If previous versions of files exist, they also might be included in the downloadable zip package. Currently the following previous version files also are included in the SEPA Plus package and will be removed in the future: Previous version files Provided until SEPAROUTING_V2_FULL_YYYYMMDD.txt 31 Dec 2013 SEPAROUTING_V2_DELTA_YYYYMMDD.txt 31 Dec 2013 IBANPLUS_V2_FULL_YYYYMMDD.txt 31 Dec 2013 IBANPLUS_V2_DELTA_YYYYMMDD.txt 31 Dec 2013 IBANPLUS_FULL_YYYYMMDD.txt 31 Jun 2013 IBANPLUS_DELTA_YYYYMMDD.txt 31 Jun 2013 Customers are urged to migrate from the previous versions to the latest version as soon as possible and in any case before the Included until date. The SEPA Routing Directory is a predecessor of the new SEPA ROUTING file and will be phased out in December Many of the SEPA Routing Directory fields are present in the SEPA ROUTING file. For a detailed mapping of the fields between the old SEPA Routing Directory and the new SEPA ROUTING TXT file please read the SWIFT Directories File Upgrades technical specifications. 1.5 Downloading the files The IBAN Plus zip package can be downloaded manually or automatically from by authorised users only using a supplied access key. For the automation option please ask for the document BIC Download Automation Interface Specification. Customers connected to the SWIFT Network also can obtain the files securely and automatically via FileAct. Please read the Implementation Guidelines for Directories Distribution over FileAct for more information. Please contact us at swiftref@swift.com to order the FileAct delivery option. The downloadable zip packages are published at the activation dates listed in the table on ule.page. Please unzip the zip files on reception. 1.6 Importing the files The files in SEPA Plus can be imported into: Your target application and data bases. The TXT files need to be translated into the EBCEDIC format for import into IBM systems. 5

6 Microsoft Excel or Microsoft Access for desktop consultation. Please make sure to format the Excel sheet as text before importing the file in order to preserve leading zeros ( 0 ). 1.7 Future file changes The structure of the data files can exceptionally evolve with time, for example because new data must be added in the form of new columns in order to support a new regulation. SWIFT will take care to limit the number of changes to a minimum. In case SWIFT changes a file it will keep providing the old file for 18 months. The files and the relevant technical specifications will be identified by a version number. 1.8 Release notes Customers are notified on important changes to the files in the zip packages through the Release Notes. Release Notes are simple TXT files included in the downloadable zip packages and contain a brief description of a change. Examples are: a new version of a file due to a structure change, change to the meaning of the data in a file, phase-out of an old version of a file. If a Release Note is present in the zip package please read it carefully and take any actions if required. 1.9 Support Customers subscribed to the SEPA Plus can receive support on the data content by sending an to the SWIFTRef data team at swiftrefdata@swift.com. Customers who want to provide or update their own data in the products also can contact the data team. Support also can be asked via support@swift.com. For information on all SWIFTRef products please visit 6

7 2 SEPA ROUTING file The SEPA ROUTING file contains SEPA reachability channels for the financial institutions in SEPA countries 2.1 Field definitions The table below contains the definitions of the fields (columns) in the SEPA ROUTING file both the full and the delta file. Field name Data type Max length Always present Description MODIFICATION FLAG alpha 1 yes Modification flag of type ADM, in DELTA files: A (addition) M (modification) D (deletion) RECORD KEY BIC In FULL files: A (addition) 12 yes The unique key of the record in the file. 11 yes The BIC of the beneficiary financial institution. In case a BIC8 was issued it is padded with XXX. INSTITUTION NAME any type 105 yes Institution name of the BENEFICIARY BIC. CITY any type 35 no City name of the Beneficiary BIC. ISO COUNTRY CODE alpha 2 yes The ISO alpha-2 code of the country of the Beneficiary BIC (see CCH file). SCHEME alpha 8 yes The SEPA scheme for which this BIC can be reached through the payments channel. Is one off: ADHERENCE BIC ADHERENCE START DATE ADHERENCE STOP DATE alphanumeric alphanumeric alphanumeric date YYYYM MDD date YYYYM MDD - SCT - SDD B2B - SDD CORE 11 no The BIC published in the EPC Adherence Register under which this institution or branch registered with the EPC for the scheme. If the BIC is not present then either: institution did not register institution will register soon the BIC is not known Note that occasionally the ADHERENCE BIC might be an invalid BIC, for example if the institution changed its BIC and the EPC register has not been updated. 8 no The date from which, according to the EPC Adherence Register, the institution will be ready for operating the scheme. 8 no The date after which, according to the EPC Adherence Register, the institution will cease the scheme operations. 7

8 PAYMENT CHANNEL ID PREFERRED CHANNEL FLAG 11 yes Identification of the clearing channel through which the beneficiary institution can receive payment instructions according to the scheme. For example: "EBAS" for EBA Clearing STEP2 SEPA, "VOCA" for VOCA / LINK United Kingdom (see Appendix C for a complete list of structured clearing & settlement service codes). alpha 1 no This flag indicates if the payment channel is the preferred payment channel of the beneficiary institution for receiving payment: P if preferred REACHABILITY alpha 1 no This field indicates the beneficiary institution's reachability through the payment channel: D if direct I if indirect INTERMEDIARY INSTITUTION BIC START DATE STOP DATE date YYYY MMDD date YYYY MMDD If "I" (Indirect), the field "INTERMEDIARY INSTITUTION BIC" identifies the institution that will route the payment. 11 no BIC of the intermediary institution in case reachability of the institution in payment channel is "I" (Indirect). In case a BIC8 was issued it is padded with XXX. 8 no The date from which the institution becomes reachable via this payment channel. 8 no The date after which the institution is no longer reachable via this payment channel. AOS alpha 4 No Indicates membership of a SEPA Additional Optional Service. FIELD A FIELD B alphanumeric alphanumeric alphanumeric alphanumeric See Appendix E. 35 no This field is reserved for future use. In case values will be populated, the file structure and the field name will not change. 70 no This field is reserved for future use. In case values will be populated, the file structure and the field name will not change. 8

9 Appendix A Character Set The files only contain characters from the SWIFT X character set. SWIFT X character set Type Allowed characters Alphabetical characters A to Z (upper case) a to z (lower case) Numeric characters 0 to 9 Special characters / -? : ( )., ' + CrLf SPACE Transliteration of special characters that do not fit withing the SWIFT X character (AT) (double quote) (single quote) Note: The previous versions of the IBAN PLUS TXT file and the other files included in the package were using the SWIFT Z character set. This has now been restricted to the SWIFT X character set. The characters that will not appear anymore in the files are: =! " % _ & * < > ; # 9

10 Appendix B Fields and Flags B.1 Modification Flag The MODIFICATION FLAG field reflects the update status of a specific record compared to the previous issue. Value A D M MODIFICATION FLAG description Added since last issue. The record was not present in the previous issue and is therefore new in the current issue. In the FULL file all records have the MODIFICATION FLAG set to A. This is because when a FULL file is being imported all records need to be added to the target data base. In the DELTA file the new records are marked with A. Deleted since last issue. In the FULL file the record has been removed. In the DELTA file the record is still present but marked with D. It will not appear in the next issue of the DELTA file. Modified since last issue. The record does not contain the same information as in the previous issue. In the FULL file the modified records have the MODIFICATION FLAG set to A. This is because when a FULL file is being imported all records need to be added to the target data base. In the DELTA file the modified records have the MODIFICATION FLAG set to M. B.2 Record keys The RECORD KEY field contains the unique identifier of a particular record. The RECORD KEYs are unique. If information in a record has changed then the record appears with modification flag M. If the RECORD KEY itself changes, then the record in the next DELTA file will not have a modification flag M. Instead, the record will appear twice: once with the old information (MODIFICATION FLAG set to D), and once with the new information (MODIFICATION FLAG set to A). The two records will have different RECORD KEYs. B.3 Date fields Date fields have a length of 8 characters, structured in the format YYYYMMDD, where: YYYY = 4 digits year MM = 2 digits month DD = 2 digits day 10

11 Appendix C Payment Channel List The table below lists the payment channels (CSMs or ACHes) in SEPA. Payment Channel ID BBSN BGCS BSVB CECB DBSC DIAS EBAS EQNS EUGI GIRO IBPA KIRP PBSD SCTI SIAS SIBS SICS STET STPA VOCA Description BBS (NICS) Norway BGC Clearing Sweden Bankservice Bulgaria CEC/UCV Belgium RPSE Retail Payment System SEPA Clearing - Deutsche Bundesbank Germany DIAS Greece EBA Clearing STEP2 SEPA EQUENS (Interpay Netherlands & TAI Germany) Eurogiro Network A/S GIRO Hungary Iberpay (SNCE) Spain KIR Poland PBS Denmark ICBPI-ICCREA Italy SIA / SSB Italy SIBS Portugal eurosic (Swiss Interbank Clearing) Switzerland STET (CORE) France STEP.AT Austria VOCA / LINK United Kingdom 11

12 Appendix D - Cross Referencing The data records in the SEPA ROUTING file are cross-referenced with: IBAN PLUS file COUNTRY CODE file The data fields used for cross-referencing are described in the following sections. D.1 BIC field The IBAN BIC field and ROUTING BIC field in IBAN PLUS file correspond to the BIC field in the SEPA ROUTING file. Through this correspondence a beneficiary bank s SEPA routing channels (ACH, scheme, Intermediary bank) can be found from the IBAN and the BIC issued by the bank. First the IBAN BIC should be used to look-up the channel, if none found, use the ROUTING BIC. IBAN PLUS file RECORD KEY IBAN CC IBAN NATIONAL ID IBAN BIC ROUTING BIC IB P6 AT RLNWATWWXXX RLNWATWWXXX IB P2V ES CXAVESB1XXX BCOEESMMXXX SEPA ROUTING file RECORD KEY CC BIC SCHEME PAYMENT CHANNEL ID SP A AT RLNWATWWXXX SCT EBAS SP B AT RLNWATWWXXX SDD CORE EBAS SP F57 ES BCOEESMMXXX SCT IBPA SP F58 ES BCOEESMMXXX SCT EBAS D.2 COUNTRY CODE field The ISO COUNTRY CODE field in SEPA ROUTING file corresponds to the COUNTRY CODE field in the COUNTRY CODE file, the CURRENCY CODE file, the HOLIDAY file and the TIMEZONE file, included in the Bank Directory Plus product. 12

13 Appendix E SEPA Additional Optional Services To be provided at a later stage. 13

14 Legal Notices Copyright SWIFT All rights reserved. You may copy this publication within your organisation. Any such copy must include these legal notices. Confidentiality This publication contains SWIFT or third-party confidential information. Do not disclose this publication outside your organisation without the prior written consent of SWIFT. Disclaimer The information in this publication may change from time to time. You must always refer to the latest available version on Translations The English version of SWIFT documentation is the only official and binding version. Trademarks SWIFT is the trade name of S.W.I.F.T. SCRL. The following are registered trademarks of SWIFT: SWIFT, the SWIFT logo, the Standards Forum logo, 3SKey, Innotribe, Sibos, SWIFTNet, SWIFTReady, and Accord. Other product, service, or company names in this publication are trade names, trademarks, or registered trademarks of their respective owners. 14

Frequently Asked Questions

Frequently Asked Questions Reference Data SEPA Plus Frequently Asked Questions This document describes the most Frequently Asked Questions (FAQs) about the SEPA Plus product. This includes information about the SEPA Plus files and

More information

Frequently Asked Questions

Frequently Asked Questions This document describes (FAQs) about IBAN Plus. This includes the IBAN Plus product, how to use the product, the quality of the data, and IBAN regulations and standards. This document is for anyone who

More information

Reference Data. IBAN Plus. Questions & Answers. This document contains the most frequently asked questions and answers.

Reference Data. IBAN Plus. Questions & Answers. This document contains the most frequently asked questions and answers. Reference Data IBAN Plus Questions & Answers This document contains the most frequently asked questions and answers. Update date: 16 June 2013 Table of Contents Table of Contents... 2 Questions about the

More information

Single Euro Payments Area

Single Euro Payments Area Single Euro Payments Area Overview SEPA (Single Euro Payments Area) is a European payments initiative which aims to create one single, integrated, standardised payments market in Europe. It is an area

More information

SWIFTReady for Corporates Cash Management

SWIFTReady for Corporates Cash Management Service Partners SWIFTReady for Corporates Cash Management Label Criteria 2012 This document explains the business criteria needed to obtain the SWIFTReady for Corporates Cash Management label, aimed at

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

SWIFT Certified Application - Exceptions and Investigations

SWIFT Certified Application - Exceptions and Investigations Service Partner Programme SWIFT Certified Application - Exceptions and Investigations Label Criteria 2016 This document explains the criteria required to obtain the SWIFT Certified Application - Exceptions

More information

SWIFT Certified Application for Corporates - Trade and Supply Chain Finance

SWIFT Certified Application for Corporates - Trade and Supply Chain Finance Service Partner Programme SWIFT Certified Application for Corporates - Trade and Supply Chain Finance Label Criteria 2016 This document explains the business criteria required to obtain the SWIFT Certified

More information

SEPA. Frequently Asked Questions

SEPA. Frequently Asked Questions SEPA Frequently Asked Questions Page 1 of 13 Contents General SEPA Questions... 4 What is SEPA?... 4 What is the aim of SEPA?... 4 What are the benefits of SEPA?... 4 What countries are included in SEPA?...

More information

Department Payments and Settlement Systems

Department Payments and Settlement Systems processing of retail payments: Services offered by the Deutsche Bundesbank Department Payments and Settlement Systems Processing of retail payments: Services offered by the Deutsche Bundesbank The Deutsche

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

Microsoft Dynamics NAV. SEPA Credit Transfers and Direct Debits

Microsoft Dynamics NAV. SEPA Credit Transfers and Direct Debits Microsoft Dynamics NAV SEPA Credit Transfers and Direct Debits July 2012 EXECUTIVE SUMMARY... 1 SEPA PAYMENT INSTRUMENTS... 2 SEPA CREDIT TRANSFERS... 2 SEPA DIRECT DEBITS... 2 OVERVIEW OF SEPA DIRECT

More information

ISO 20022 in Central Bank Projects: The Deutsche Bundesbank s Interbank SEPA Clearing Services

ISO 20022 in Central Bank Projects: The Deutsche Bundesbank s Interbank SEPA Clearing Services ISO 20022 in Central Bank Projects: The Deutsche Bundesbank s Interbank SEPA Clearing Services Dr. Johannes Kaiser Conception of Retail Payment Services Payment Systems Policy Division Moscow, 1 Agenda

More information

SWIFT Certified Application Payments

SWIFT Certified Application Payments SWIFT Certified Application Payments Technical validation Guide 2014 Version 1.1 April 2014 Legal notices Copyright SWIFT 2014. All rights reserved. You may copy this publication within your organisation.

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

International Hints and Tips

International Hints and Tips International Hints and Tips Content Q: What is the cut off time for processing International payments? A: International payments must be submitted and fully approved within the cut off time indicated

More information

Credit transfer to Customer account with AS "Meridian Trade Bank" EUR, USD free of charge * - 4.1.2. Other countries currency information in the Bank

Credit transfer to Customer account with AS Meridian Trade Bank EUR, USD free of charge * - 4.1.2. Other countries currency information in the Bank Pricelist for individuals residents of Latvia SERVICES 4. TRANSFERS In the Bank PRICE LIST IN EUR Using «MultiNet» 4.1. 4.1.1. Credit transfer to Customer account with EUR, USD free of charge * 4.1.2.

More information

Chase Online SM Wire Transfer Help Guide page 1 of 16. How to Send Wire Transfers on Chase Online SM

Chase Online SM Wire Transfer Help Guide page 1 of 16. How to Send Wire Transfers on Chase Online SM Chase Online SM Wire Transfer Help Guide page 1 of 16 How to Send Wire Transfers on Chase Online SM For a convenient, secure and quick way to send money directly to someone s bank account, use a wire transfer

More information

EUROPEAN DIRECT DEBIT. ING Luxembourg s SEPA Direct Debit. European Direct Debit 1

EUROPEAN DIRECT DEBIT. ING Luxembourg s SEPA Direct Debit. European Direct Debit 1 EUROPEAN DIRECT DEBIT ING Luxembourg s SEPA Direct Debit European Direct Debit 1 EUROPEAN DIRECT DEBIT OR SEPA DIRECT DEBIT 3 Introduction to the European direct debit 3 Which countries are part of SEPA?

More information

SEPA Country-Specific Information Italy

SEPA Country-Specific Information Italy SEPA Country-Specific Information Italy Cash Management & ebanking January 2014 Contents INTRODUCTION 3 END-DATE INFORMATION 3 IBAN CONVERSION SERVICE 3 SEPA PRODUCTS 4 SEPA CREDITOR IDENTIFIER (CI) 6

More information

ICEPAY & SEPA Direct Debit

ICEPAY & SEPA Direct Debit ICEPAY & SEPA Direct Debit Page 1 July 2014 S. Campbell v0.5 Table of Contents 1. Purpose of this document... 3 1.1 Support... 3 2. SEPA - Introduction... 3 2.1 SEPA - Goals... 3 2.2 SEPA Bank accounts,

More information

NATIONAL BANK OF ROMANIA

NATIONAL BANK OF ROMANIA NATIONAL BANK OF ROMANIA Unofficial translation Regulation regarding the usage of the IBAN codes in Romania Having regard to the provisions of Article 2, paragraph (2) and Article 23 of the Law no. 101/1998

More information

Processing of retail payments: Services of Deutsche Bundesbank. Department Payments and Settlement System

Processing of retail payments: Services of Deutsche Bundesbank. Department Payments and Settlement System : Services of Deutsche Bundesbank Department Payments and System Page 2 Processing of retail payments: Services offered by the Deutsche Bundesbank The Deutsche Bundesbank offers its bank and nonbank customers

More information

HANDBOOK FOR THE STANDARDISATION AND APPLICATION OF

HANDBOOK FOR THE STANDARDISATION AND APPLICATION OF BANKING COMMITTEE FOR THE STANDARDISATION AND APPLICATION OF IBAN HANDBOOK FOR THE STANDARDISATION AND APPLICATION OF Basic Bank Account Number (BBAN) And International Bank Account Number (IBAN) IN CYPRUS

More information

RULES FOR FOREIGN PAYMENTS

RULES FOR FOREIGN PAYMENTS RULES FOR FOREIGN PAYMENTS The terms used in these Rules have the following meaning: 1. Bank mbank S.A., 2. Client a natural person, legal person or organisational unit without legal personality, provided

More information

Interface Certification for a FIN Interface

Interface Certification for a FIN Interface Title Page Interface Certification for a FIN Interface BOX Messaging Hub (formerly known as BOX For SWIFTNet) Conformance Statement Table of Contents Title Page... 1 1 General Information... 3 1.1 Supplier...

More information

Connectivity. Alliance 7.0. Alliance Interfaces. FileAct support in SWIFTNet Release 7.0

Connectivity. Alliance 7.0. Alliance Interfaces. FileAct support in SWIFTNet Release 7.0 Connectivity Alliance Alliance Interfaces Act support in SWIFTNet Release February 2012 Table of Contents Preface... 3 1 Introduction... 4 2 Portfolio Act Support... 6 2.1 Alliance Gateway... 6 2.1.1 Overview...

More information

Customer Testing Policy

Customer Testing Policy SWIFT Customer Testing Policy This document provides specific conditions for performance or vulnerability testing of SWIFT services and products and non-swift services and products. This document covers

More information

W I R E T R A N S F E R S E R V I C E S

W I R E T R A N S F E R S E R V I C E S Move money quickly and easily through Chase Commercial Online s Wire Transfers service. 1 Select U.S. dollars or another eligible currency to wire funds to most domestic or international recipients. Add

More information

SEPA Creditors Guide. SEPA Direct Debit Core Scheme. Version 1.3 Final Page 1 of 38

SEPA Creditors Guide. SEPA Direct Debit Core Scheme. Version 1.3 Final Page 1 of 38 SEPA Creditors Guide SEPA Direct Debit Core Scheme Version 1.3 Final Page 1 of 38 Log of Revisions to the SDD Creditors Guide Version number Version1.1 Brief description of revision Comprehensive guide

More information

SEPA Country Guide Italy. Introduction

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

More information

Interface Certification for a Store-andforward InterAct Messaging Interface

Interface Certification for a Store-andforward InterAct Messaging Interface Title Page Interface Certification for a Store-andforward InterAct Messaging Interface IBM Sterling B2B Integrator SWIFTNet MEFG Server Conformance Statement Table of Contents Title Page... 1 1 General

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

Working Holiday Maker visa programme report. 31 December 2014

Working Holiday Maker visa programme report. 31 December 2014 Working Holiday Maker visa programme report 31 December 2014 Contents Page About this report 1 Enquiries 1 Definition of terms 2 Background to the Working Holiday Maker programme 3 Recent developments

More information

Single Euro Payments Area (SEPA) with Oracle E-Business Suite for German Banks

Single Euro Payments Area (SEPA) with Oracle E-Business Suite for German Banks Single Euro Payments Area (SEPA) with Oracle E-Business Suite for German Banks DOAG SIG-Meeting E-Business Suite Vienna, 27-SEP-2010 Daphne Schmitz Copyright 2010, Toshiba Corporation. Information Systems

More information

STANDARD 48 FORMAT OF THE IBAN ISSUED IN THE UK (International Bank Account Number) June 2007

STANDARD 48 FORMAT OF THE IBAN ISSUED IN THE UK (International Bank Account Number) June 2007 STANDARD 48 FORMAT OF THE IBAN ISSUED IN THE UK (International Bank Account Number) June 2007 UK Payments Administration Mercury House, Triton Court Finsbury Square London EC2A 1LQ Limited 2009 COPYRIGHT

More information

Format Validation Tool ING Commercial Banking

Format Validation Tool ING Commercial Banking Format Validation Tool ING Commercial Banking Help instructions and additional information For Payment and collection formats Publication date: 11/09/2013 This document is meant for both ING internal employees

More information

White Paper on Extended Remittance Information (ERI) and Payment Notification

White Paper on Extended Remittance Information (ERI) and Payment Notification White Paper on Extended Remittance Information (ERI) and Payment Notification (Version 1.0, February 2015) Note: Relevant regulations and any applicable legislation take precedence over the guidance notes

More information

SWIFT Certified Specialist - Consultancy for Trade and Supply Chain Finance Track Criteria

SWIFT Certified Specialist - Consultancy for Trade and Supply Chain Finance Track Criteria Service Partners SWIFT Certified Specialist - Consultancy for Trade and Supply Chain Finance Track Criteria This document introduces the framework of the SWIFT Certified Specialist (formerly, SWIFTReady

More information

Working Holiday Maker visa programme report

Working Holiday Maker visa programme report Working Holiday Maker visa programme report 30 June 2015 This page is left blank intentionally. Table of Contents About this report 1 Enquiries 1 Definition of terms 2 Background to the Working Holiday

More information

SEPA Testing Framework. Wat is SEPA? LogicaCMG 2007 1. Rik Marselis. Even voorstellen: Rik Marselis

SEPA Testing Framework. Wat is SEPA? LogicaCMG 2007 1. Rik Marselis. Even voorstellen: Rik Marselis Wat is SEPA? Rik Marselis 17 oktober 2007 LogicaCMG 2007. All rights reserved Even voorstellen: Rik Marselis Senior Test Adviseur o.a. bij European Payments Council Penningmeester van Belgium & Netherlands

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

SEPA in Netherlands. Quick facts. International Bank Account Number (IBAN) IBAN structure. 66 SEPA Country Sheets - Netherlands

SEPA in Netherlands. Quick facts. International Bank Account Number (IBAN) IBAN structure. 66 SEPA Country Sheets - Netherlands SEPA in Netherlands Useful links Information campaign, by National Forum on SEPA migration www.overopiban.nl IBAN-Acceptgiro information www.acceptgiro.nl/ IBAN BIC conversion service www.ibanbicservice.nl

More information

SWIFTNet Online Operations Manager

SWIFTNet Online Operations Manager Messaging SWIFTNet 7.0 SWIFTNet Online Operations Manager Quick Overview December 2010 Table of Contents Preface... 3 1 Introduction... 4 1.1 Background... 4 1.2 SWIFTNet Online Operations Manager... 4

More information

EBA CLEARING and Europe's banking infrastructure

EBA CLEARING and Europe's banking infrastructure EBA CLEARING and Europe's banking infrastructure How can banks build for success in payments? David Renault, Senior Manager STEP2 Erwin Kulk, Senior Manager STEP2 Overview Introduction to STEP2 STEP2 concepts

More information

Electronic Bank Account Management - EBAM

Electronic Bank Account Management - EBAM Electronic Bank Account Management - EBAM This guide provides an overview of s EBAM offering. It includes a definition of the scope of the offering as well as a high level description of its building blocks.

More information

Personal Token Software Installation Guide

Personal Token Software Installation Guide This document explains how to install and how to remove the token software for your personal token. 20 May 2016 Table of Contents Table of Contents Preface...3 1 Token Software Installation Prerequisites...4

More information

Employee eligibility to work in the UK

Employee eligibility to work in the UK Employee eligibility to work in the UK This document details legal requirements that apply to ALL new members of staff All employers in the UK are legally bound to comply with the Asylum and Immigration

More information

Interface Certification for a RMA Interface

Interface Certification for a RMA Interface Title Page Interface Certification for a RMA Interface STAR/RMA Conformance Statement Table of Contents Title Page... 1 1 General Information... 3 1.1 Supplier... 3 1.2 Product Information... 3 1.3 Operational

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

Oracle FLEXCUBE Direct Banking Release 12.0.1.0.0 Retail Transfer and Payments User Manual. Part No. E52306-01

Oracle FLEXCUBE Direct Banking Release 12.0.1.0.0 Retail Transfer and Payments User Manual. Part No. E52306-01 Oracle FLEXCUBE Direct Banking Release 12.0.1.0.0 Retail Transfer and Payments User Manual Part No. E52306-01 Retail Transfer and Payments User Manual Table of Contents 1. Transaction Host Integration

More information

FAQ TrustPay internet banking

FAQ TrustPay internet banking FAQ TrustPay internet banking General Information What is the difference between TrustPay account and a bank account? TrustPay account is a payment account under the Law 492/2009 of payment services. This

More information

International Compliance

International Compliance YOUR FREE COPY - NEW - Additional countries outside European Union LEGAL WHITE PAPER International Compliance Legal requirements international einvoicing European Union & Selected Countries Worldwide International

More information

BUSINESS JUSTIFICATION

BUSINESS JUSTIFICATION BUSINESS JUSTIFICATION FOR THE DEVELOPMENT OF NEW UNIFI (ISO 20022) FINANCIAL REPOSITORY ITEMS Name of the request: Payments Mandates Submitting organization: SWIFT SCRL Avenue Adèle, 1 1310 La Hulpe Belgium

More information

International ACH: Payment Gateway to Europe

International ACH: Payment Gateway to Europe International ACH: Payment Gateway to Europe Treasury Symposium St. Petersburg Florida Tuesday, January 27 Concurrent Session 16 10:15am 11:30am International ACH: Payment Gateway to Europe Presenters:

More information

More information on completing payment details

More information on completing payment details More information on completing payment details Agreement number [applicable to Transfer from account abroad] Enter reference number for agreed rate or forward rate. Amount Enter the amount, and specify

More information

Intel Product Integrator Intel Reseller Program. Intel Technical Support and Service Benefits help you to grow your business

Intel Product Integrator Intel Reseller Program. Intel Technical Support and Service Benefits help you to grow your business Intel Product Integrator Intel Technical Support and Service Benefits help you to grow your business As an Intel Channel Program member, you have the ability to back your Intel -based solutions by offering

More information

Alliance Access Integration Automated File Transfer

Alliance Access Integration Automated File Transfer Alliance Access Integration Automated File Transfer Technical Qualification Test 2011 This document lists the tests for application providers that integrate their middleware or back-office application

More information

Payments to Overseas banks Things to be aware of

Payments to Overseas banks Things to be aware of Payments to Overseas banks Things to be aware of Payment can be made to accounts in most countries. If you wish to have your pension paid overseas, the Royal Bank of Scotland (RBS), the Funds bankers,

More information

Wire Transfer User Guide

Wire Transfer User Guide Wire Transfer User Guide November 2007 Copyright 2007 KeyCorp All rights reserved. Contents I. Wire Transfer Product Offerings and Implementation 3 II. Wire Transfer Terms, Definitions, and Additional

More information

INTERNATIONAL BANK ACCOUNT NUMBER (IBAN) AND BANK IDENTIFIER CODE (BIC) IN PAYMENTS

INTERNATIONAL BANK ACCOUNT NUMBER (IBAN) AND BANK IDENTIFIER CODE (BIC) IN PAYMENTS INTERNATIONAL BANK ACCOUNT NUMBER (IBAN) AND BANK 5.7.2015 1 Table of contents 1 IBAN... 2 1.1 IBAN Structure... 2 1.2 IBAN verification... 2 1.3 Usage... 3 1.3.1 IBAN in incoming payments... 3 1.3.2 IBAN

More information

2. Is registration with PARAFES free? Yes.

2. Is registration with PARAFES free? Yes. Automated Border Control 1. What does PARAFES stand for? PARAFES (translated from French) means Automated Fast Track Crossing at External Schengen Borders. 2. Is registration with PARAFES free? Yes. 3.

More information

INTERNATIONAL SERVICES TARIFF

INTERNATIONAL SERVICES TARIFF INTERNATIONAL SERVICES TARIFF Supporting your international business Our service promise. If you experience a problem, we will always try to resolve it as quickly as possible. Please bring it to the attention

More information

INTERNATIONAL. Helping your money travel around the world. International payments travel money and CHAPS. Talk to us today

INTERNATIONAL. Helping your money travel around the world. International payments travel money and CHAPS. Talk to us today INTERNATIONAL Helping your money travel around the world International payments travel money and CHAPS Talk to us today Access your money, at home and away Maybe you have family overseas and want to send

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

This factsheet contains help and information for financial advisers who wish to advise their clients who live in Europe.

This factsheet contains help and information for financial advisers who wish to advise their clients who live in Europe. Financial Conduct Authority Factsheet No.025 Investment advisers Passporting This factsheet contains help and information for financial advisers who wish to advise their clients who live in Europe. Introduction

More information

Background. IBAN Overview

Background. IBAN Overview International Bank Account Number ( IBAN ) IBAN Overview The International Bank Account Number ( IBAN ) is an international standard for identifying bank accounts across national borders in a way that

More information

International Services tariff

International Services tariff International Services tariff Contents International Services Sending money abroad 1 International payments 1 International drafts 1 Receiving money from abroad 1 Cut-off times and exchange rates 2 BIC

More information

EN ISO 14121-1. Safety of machinery Risk assessment. Sicherheit von Maschinen Risikobeurteilung Teil 1: Leitsätze (ISO 14121-1:2007)

EN ISO 14121-1. Safety of machinery Risk assessment. Sicherheit von Maschinen Risikobeurteilung Teil 1: Leitsätze (ISO 14121-1:2007) ÖNORM EN ISO 14121-1 Edition: 2008-01-01 Safety of machinery Risk assessment Part 1: Principles (ISO 14121-1:2007) Sicherheit von Maschinen Risikobeurteilung Teil 1: Leitsätze (ISO 14121-1:2007) Sécurité

More information

SEPA Mandate Guide. Contents. 1.0 The purpose of this document 2. 2.0 Why mandates are required 2. 2.1 When a new mandate is required 2

SEPA Mandate Guide. Contents. 1.0 The purpose of this document 2. 2.0 Why mandates are required 2. 2.1 When a new mandate is required 2 SEPA Mandate Guide Contents 1.0 The purpose of this document 2 2.0 Why mandates are required 2 2.1 When a new mandate is required 2 2.2 Cancellation of a mandate 2 2.3 When to amend a mandate 2 3.0 Mandate

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

Connectivity. SWIFTNet Link 7.0. Functional Overview

Connectivity. SWIFTNet Link 7.0. Functional Overview Connectivity SWIFTNet Link 7.0 Functional Overview December 2010 SWIFTNet Link 7.0 Table of Contents 1 Introduction... 3 2 Enhancements and features... 4 2.1 Message and File Copy... 4 2.2 Message and

More information

Roadmap for the Single Euro Payments Area

Roadmap for the Single Euro Payments Area www.europeanpaymentscouncil.eu Roadmap for the Single Euro Payments Area Status and progress Gerard Hartsink Chair - European Payments Council Raad Nederlandse Detailhandel Utrecht, 28 augustus 2009 Agenda

More information

EMBO Short Term Fellowships Information for applicants

EMBO Short Term Fellowships Information for applicants EMBO Short Term Fellowships Information for applicants - Purpose - Duration - Eligibility - How to apply - Selection procedure - End of fellowship report - Benefits - EMBC Member States - Contact details

More information

Need to send money abroad securely?

Need to send money abroad securely? International Payments Need to send money abroad securely? Trust us to get it there. Sending money abroad with Lloyds TSB. It s easy and secure. As a Lloyds TSB customer, if you need to send money overseas,

More information

Alliance Access Integration MQ Host Adaptor

Alliance Access Integration MQ Host Adaptor Alliance Access Integration MQ Host Adaptor Technical Qualification Test 2014 This document lists the tests for application providers that integrate their back-office application or middleware with Alliance

More information

IBM Financial Services Sector. IBM Payment Platform to face SEPA A flexible approach for a Smarter Bank

IBM Financial Services Sector. IBM Payment Platform to face SEPA A flexible approach for a Smarter Bank IBM Payment Platform to face SEPA A flexible approach for a Smarter Bank Market Forces Driving the Payments Industry to Transform Economic Pressures Increasing pressures on fees Margins being squeezed

More information

EBA REPORT ON THE BENCHMARKING OF DIVERSITY PRACTICES. EBA-Op-2016-10 08 July 2016

EBA REPORT ON THE BENCHMARKING OF DIVERSITY PRACTICES. EBA-Op-2016-10 08 July 2016 EBA REPORT ON THE BENCHMARKING OF DIVERSITY PRACTICES EBA-Op-2016-10 08 July 2016 BENCHMARKING OF DIVERSITY PRACTICES AT THE EU LEVEL Benchmarking of diversity practices at the European Union level List

More information

Information concerning Terms and Conditions of Provision of Payment Services by Citibank Europe plc, pobočka zahraničnej banky

Information concerning Terms and Conditions of Provision of Payment Services by Citibank Europe plc, pobočka zahraničnej banky Information concerning Terms and Conditions of Provision of Payment Services by Citibank Europe plc, pobočka zahraničnej banky I. Introductory Provisions 1. This Information concerning Terms and Conditions

More information

SEPA Implementation and Migration in GREECE

SEPA Implementation and Migration in GREECE SEPA Implementation and Migration in GREECE HELLENIC BANK ASSOCIATION Status of preparation and plans as per July 2007 1 Table of contents (1) Introduction 3 (2) Implementation and migration phases 5 (3)

More information

Technical Specifications

Technical Specifications essaging SWIFTRemit Directory 2.0 Technical Specifications These technical specifications provide detailed information about the SWIFTRemit Directory. They include descriptions of records, fields, and

More information

Thomas Renner, Maximilien Kintz, Falko Kötter, Jan Finzen E-MANDATES FOR SEPA DIRECT DEBIT

Thomas Renner, Maximilien Kintz, Falko Kötter, Jan Finzen E-MANDATES FOR SEPA DIRECT DEBIT FRAUNHOFER-INSTITUT FÜR arbeitswirtschaft und organisation iao Thomas Renner, Maximilien Kintz, Falko Kötter, Jan Finzen E-MANDATES FOR SEPA DIRECT DEBIT Opportunities for Banks, Creditors and Service

More information

International Wire Transfers Help Guide Transfer Funds to Overseas Banks

International Wire Transfers Help Guide Transfer Funds to Overseas Banks PERSONAL ONLINE BANKING International Wire Transfers Help Guide Transfer Funds to Overseas Banks Follow the instructions within this guide to Create, Edit, Cancel or Make a new wire transfer from an existing

More information

relating to household s disposable income. A Gini Coefficient of zero indicates

relating to household s disposable income. A Gini Coefficient of zero indicates Gini Coefficient The Gini Coefficient is a measure of income inequality which is based on data relating to household s disposable income. A Gini Coefficient of zero indicates perfect income equality, whereas

More information

SEPA Country-Specific Information Austria

SEPA Country-Specific Information Austria SEPA Country-Specific Information Austria 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

UTX Europe V2 - Enhancements

UTX Europe V2 - Enhancements UTX Europe V2 - Enhancements Global Enhancements... 2 Country-By-Country Analysis - UTX Europe V2 Feature Enhancements... 3 Austria... 3 Belgium... 3 Czech Republic... 3 Denmark... 3 Finland... 3 France...

More information

Working Holiday Maker visa programme report

Working Holiday Maker visa programme report 0 Working Holiday Maker visa programme report 31 December 2015 This page is left intentiolly blank. Table of Contents Page About this report 1 Enquiries 1 Definition of terms 2 Background to the Working

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

EPC332-10 Report on the results of the IBAN+BIC Survey Joint EPC and EUC Task Force on IBAN+BIC 2

EPC332-10 Report on the results of the IBAN+BIC Survey Joint EPC and EUC Task Force on IBAN+BIC 2 Doc EPC332-10 (Version 1.1) 5 May 2011 EUC/EPC Joint Task Force on IBAN+BIC Circulation to: Publicly available Restricted: No Report on the Results of the IBAN+BIC Survey (Approved by the Customer Stakeholders

More information

SEPA DATA MODEL. Reason for Issue Approved by the EPC Plenary on 13 December 2006

SEPA DATA MODEL. Reason for Issue Approved by the EPC Plenary on 13 December 2006 Doc: EPC029-06 (Version 2.2) 13 December2006 OITS SG SEPA DATA MODEL Abstract Document Reference Issue This document sets out the SEPA Data Model which is referred to in the SEPA Credit Transfer and Direct

More information

Payments via Unitel & Corporate Netbank Request for Transfer Customer tariff effective from 1 September 2016

Payments via Unitel & Corporate Netbank Request for Transfer Customer tariff effective from 1 September 2016 Payments via Unitel & Corporate Netbank for Transfer Customer tariff effective from 1 September 2016 Contents About the... 3 Charges... 3 and local... 3 Intercompany transfers... 3 Cancellations... 3 Disclosure

More information

AX 2012 R3 SEPA (ISO 20022 XML) Credit transfer and direct debit payments Date: March 3 rd, 2015

AX 2012 R3 SEPA (ISO 20022 XML) Credit transfer and direct debit payments Date: March 3 rd, 2015 Contents Introduction... 2 Setup Credit Transfer... 3 Export the xml stylesheet for the payment format from AOT... 3 Setup a batch job to generate SEPA files... 4 Setup Outbound ports for electronic payments...

More information

Information supplied by the manufacturer with medical devices

Information supplied by the manufacturer with medical devices Irish Standard I.S. EN 1041:2008 Information supplied by the manufacturer with medical devices NSAI 2008 No copying without NSAI permission except as permitted by copyright law. I.S. EN 1041:2008 Incorporating

More information

Q&A Payment Transaction Standardization in Europe and Switzerland

Q&A Payment Transaction Standardization in Europe and Switzerland Payment Transaction Standardization in Europe and Switzerland Version: October 2015 Payment Transaction Standardization in Europe and Switzerland General Introduction Starting February 1, 2014, Europe

More information

EPIF POSITION PAPER ON ACCESS TO BANK SERVICES FOR PAYMENT INSTITUTIONS

EPIF POSITION PAPER ON ACCESS TO BANK SERVICES FOR PAYMENT INSTITUTIONS Page1 21 MAY 2014 EPIF POSITION PAPER ON ACCESS TO BANK SERVICES FOR PAYMENT INSTITUTIONS ABOUT EPIF (EUROPEAN PAYMENT INSTITUTIONS FEDERATION) EPIF was founded in 2011 to represent the interests of the

More information

Single Euro Payments Area SEPA Herman Ciappara Payments & Banking Department Central Bank of Malta

Single Euro Payments Area SEPA Herman Ciappara Payments & Banking Department Central Bank of Malta Single Euro Payments Area SEPA Herman Ciappara Payments & Banking Department Central Bank of Malta 1 1 Outline What is SEPA? Objectives Opportunities Important SEPA Dates Impact of SEPA Challenges 2 2

More information

Bottled Water in France

Bottled Water in France Brochure More information from http://www.researchandmarkets.com/reports/53727/ Bottled Water in France Description: The Bottled Water in France industry profile is an essential resource for top-level

More information

FREQUENTLY ASKED QUESTIONS ABOUT SEPA

FREQUENTLY ASKED QUESTIONS ABOUT SEPA FREQUENTLY ASKED QUESTIONS ABOUT SEPA 1. What does SEPA mean? SEPA stands for Single Euro Payments Area. 2. What countries are part of SEPA? The SEPA includes 31 countries: the 27 EU members plus Norway,

More information

Profit earner or cost driver? A combined view of retail banking and payments. Bertrand Lavayssière Frankfurt, May 25th

Profit earner or cost driver? A combined view of retail banking and payments. Bertrand Lavayssière Frankfurt, May 25th Profit earner or cost driver? A combined view of retail banking and payments Bertrand Lavayssière Frankfurt, May 25th Payments are crucial for Retail Banking Retail banking revenues are rather stable and

More information