INFORMATION about transfer orders incurring Extra transfer fees for transfer orders with missing or incorrect data
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1 INFORMATION about transfer orders incurring Extra transfer fees for transfer orders with missing or incorrect data Incorrect SWIFT / BIC Cause of error: - The SWIFT/BIC code is missing, and the name and address of the bank is indicated only in words - The SWIFT/BIC code is indicated but not in the appropriate field but in the rows left for the bank s name and address, or the rows of the sender s message to the beneficiary, which are free-format rows and hence cannot be interpreted by the systems automatically. - The SWIFT/BIC code is indicated but incorrectly. How can you avoid this error? - This information has to be indicated on the invoices incoming from partners more and more often, since it is vital information in international money transfers. Thus, it is in the interest of your partners as well to indicate this on the invoices or other documents in which they ask for transfers from their clients. - Should there be no such information on the invoice, please ask from your partners for their bank s SWIFT/BIC code. Every bank has to specify their SWIFT/BIC code on their bank account statements or announce it to their clients upon request, so your partners have to be able to provide you with this information. - SWIFT/BIC codes may only consist of 8 or 11 characters, and any length other than these are incorrect. - SWIFT/BIC codes may be searched by the name of the bank on the webpage. - Please enter the correct SWIFT code you have been provided with only in the field where the SWIFT/BIC code has to be indicated. Incorrect IBAN in the Beneficiary s bank account number field an incorrect International Bank Account Number (IBAN) has been entered. Cause of error: - It was not the IBAN that was indicated as the bank account number of the beneficiary when making a transfer to a country using IBAN - IBAN was entered in another field (Bank ID or Bank s name, address or the rows of the sender s message to the beneficiary, which are free-format rows and hence cannot be interpreted by the beneficiary s bank automatically) - The IBAN was indicated, but some unnecessary information or characters were also added (e.g. IBAN, BIZ, etc. is added before it) - The IBAN was entered but incorrectly (numbers might be left out, added or mistyped) How can you avoid this error? - The IBAN has to be indicated on the invoices incoming from partners, since it is vital information in international money transfers (especially in Europe). Thus, it is in the interest of your partners as well to indicate this on the invoices or other documents in which they ask for transfers from their clients. - Should there be no such information on the invoice, please ask from your partners for the IBAN of their account where they would like the money to be sent. The IBAN numbers are used in every EU country and in several other countries, and every bank has to specify the IBAN on their bank account statements, so your partners have to be able to provide you with this information. - The IBAN format and the number of characters contained are defined by each country, and it also has a 2-digit verification number by which the banks verify them. This information package contains a list about countries using IBAN at present, and the format of such numbers. If you compare there with the information entered in the transaction orders, the differences will be apparent immediately.
2 - We suggest that you check the IBAN format using our IBAN verifier located at our webpage - Please enter the correct IBAN you have been provided with only in the field where the IBAN has to be indicated. Every electronic system we have will tell you immediately if the IBAN entered is correct or not. Incorrect Bank ID Cause of error: - Unnecessary specification of Bank ID in cases when the IBAN would be sufficient. - The Bank ID is entered with the incorrect prefix (e.g. BIZ instead of BL). - The IBAN is incorrectly entered in the Bank ID field instead of the Beneficiary s bank account number field. How can you avoid this error? - Nearly 70-80% of our clients transactions are directed at countries where the IBAN is used. Hence, indicating the SWIFT/BIC codes and the Beneficiary s IBAN is necessary and sufficient to perform orders. If the transfer is directed into a country which uses the IBAN, please always give the SWIFT/BIC code and the IBAN, and leave he Bank ID field empty. - Bank IDs are defined only for certain countries, and their form is strictly defined and should be adhered to according to the table attached here. Please find a summary of the correct IDs and their format in the table below. On the pages that follow we would like to offer more help to you on how to fill out accurately our foreign currency transfer screens of our electronic banking software. Yours sincerely, UniCredit Bank Hungary Zrt.
3 Spectra, Spectra Light In the Spectra and SpectraLight systems the programs fill out the IBAN field automatically if you enter a correct IBAN in the bank account field. (You may use spaces between 4-digit groups)
4 SpectraNet Light and SpectraNet Plusz In the SpectraNet Light and the SpectraNet Plus systems, when an existing and correct IBAN is entered in the bank account field the program will indicate, above the bank account number, if the account number entered is an IBAN account number or Not an IBAN account no.
5 MultiCash when using the HUA module: Please leave the Beneficiary account number field empty, and after selecting IBAN enter the IBAN number (continuously, without spaces or the IBAN prefix). You may only store and close the Beneficiary info if the IBAN meets the requirements.
6 MultiCash when using the MT100 module: Please enter the IBAN account number (continuously, without spaces or the IBAN prefix) in the PARTNER account number field, then choose the IBAN option. You may only store and close the Partner info if the IBAN meets the requirements.
7 Countries using IBAN and their IBAN formats Country Electronic account no. format No. of (examples) characters Albania AL Andorra AD Austria AT Republic of Azerbaijan AZ21NABZ Bahrein BH67BMAG Belgium BE Bosnia-Herzegovina BA Brazil BR P1 29 Bulgária BG80BNBG Costa Rica CR Croatia HR Cyprus CY Czech Republic CZ Denmark DK Dominican Republic DO28BAGR United Arab Emirates AE Estonia EE Faroe Islands FO Finland FI France FR M Georgia GE29NB Germany DE Gibraltar GI75NWBK Great Britain GB29NWBK Greece GR Greenland GL Guatemala GT82TRAJ Hungary HU Iceland IS Ireland IE29AIBK Israel IL Italy IT40S Jordan JO94CBJO Kazakhstan KZ86125KZT Kuwait KW81CBKU Latvia LV80BANK Lebanon LB Lichtenstein LI AA 21 Lithuania LT Luxemburg LU Macedonia MK Malta MT84MALT MTLCAST001S 31 Mauritania MR Mauritius MU17BOMM MUR 30 Republic of Moldova MD24AG Monaco MC h79 27 Montenegro ME
8 Country Electronic account no. format No. of (examples) characters The Netherlands NL39RABO Norway NO Pakistan PK36SCBL Palestine, State of. PS92PALS Poland PL Portugal PT Romania RO49AAAA1B Qatar QA58DOHB ABCDEFG 29 San Marino SM86U Saudi Arabia SA Serbia RS Slovakia SK Slovenia SI Spain ES Sweden SE Switzerland CH Tunisia TN Turkey TR Virgin Islands, British VG96VPVG
9 Correct Bank IDs and their formats Code Identifier Country using it Does country use IBAN? Example of format AT 5 numbers Austrian Bankleitzahl Yes Need not be used; please give beneficiary s account number with IBAN instead AU 6 numbers Australian Bank State Branch (BSB) Code No AU BL 8 numbers German Bankleitzahl Yes Need not be used; please give beneficiary s account number with IBAN instead CC 9 numbers Canadian Payments Association Payment Routing Number No CC CH 6 numbers CHIPS Universal Identifier n/a CH CP 4 numbers CHIPS Participant Identifier n/a CP1234 ES 8 or 9 numbers Spanish Domestic Interbanking Code Yes Need not be used; please give beneficiary s account number with IBAN instead FW 9 numbers Fedwire Routing Number (USA) No FW GR 7 numbers HEBIC (Hellenic Bank Identification Code) Yes Need not be used; please give beneficiary s account number with IBAN instead HK 3 numbers Bank Code of Hong Kong No HK123 IE 6 numbers Irish National Clearing Code (NSC) Yes Need not be used; please give beneficiary s account number with IBAN instead IN 11 characters Indian Financial System Code (IFSC) No IN IT 10 numbers Italian Domestic Identification Code Yes Need not be used; please give beneficiary s account number with IBAN instead NZ 6 numbers New Zealand National Clearing Code No NZ PL 8 numbers Polish National Clearing Code Yes Need not be used; please give beneficiary s account number with IBAN instead PT 8 numbers Portuguese National Clearing Code Yes Need not be used; please give beneficiary s account number with IBAN instead RU 9 numbers Russian Central Bank Identification Code No RU SC 6 numbers UK Domestic Sort Code Yes Need not be used; please give beneficiary s account number with IBAN instead SW 3,4 or 5 numbers Swiss Clearing Code (BC code) Yes Need not be used; please give beneficiary s account number with IBAN instead SW 6 numbers Swiss Clearing Code (SIC code) Yes Need not be used; please give beneficiary s account number with IBAN instead ZA 6 numbers South African National Clearing Code No ZA123456
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