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

Transcription

1 DESCRIPTIN F SEPA XML FRMAT FR ING BUSINESSNLINE IMPRT AND EXPRT TEMPLATES

2 TABLE F CNTENTS Import of orders 3 1. Introduction Notation File structure Batching rules Differentiation rules for file orders 5 2. File format Group Header Block Payment Information and Transaction Information Blocks 8 Data export Bank statement export format (xml) based on the message camt History of operations export format (xml) based on the message camt EXAMPLES Domestic orders account in BBAN format Domestic orders account in IBAN format Tax ffice orders Social Insurance Institution order MT101 CRED order MT101 DEBT order MT101 SHAR order Payroll batch Simple batch SEPA order Foreign order high Foreign order norm 47 2

3 IMPRT F RDERS 1. Introduction The Import of orders template in the SEPA XML format is a predefined template used by various orders. It supports the following payments: Domestic Payments, Domestic Payments to the Social Insurance Institution, Domestic Payments to the Tax ffice, Internal Payments, European Payments, Foreign Payments, and MT101. Import template complies with the pain format as per IS20022 standard. 1.1 Notation Element name in the table XML element Status Description Defines the XML element name. Label names from the IS20022 standard are used; when not available, names are assigned by the bank. Nesting shown with + characters M mandatory field optional field C conditional field Format n numbers allowed only (0-9) IS Date IS DateAndTime a capital letters allowed only (A-Z) x any character c capital letters and number allowed only (A-Z), (0-9) d digital number! fixed length [ ] optional value YYYY-MM-DD YYYY-MM-DDThh:mm:ss The following characters can be used in the order: - small and capital letters, - numbers, - special characters: / -? : ( )., + space. For SEPA CT -like messages only small and capital letters from the Latin alphabet can be used. The fields in domestic orders cannot contain the characters: The fields in other orders cannot contain the characters: * ;! # 3

4 1.2 File structure verall file structure is as follows: Group Header - mandatory block, - occurs only once, - contains the message header, composed of the date and unique identifier. The header is shared by all orders. - It contains the name of the batch for all Payment Information blocks. Payment Information - mandatory block, - can occur many times, - contains transactions under the payment from one debited account. When it is more than one transaction, a batch is created in the system (a simple batch all debits from the same account). When many Payment Information blocks were given, one common batch is created. Conditional on the account debited, it can be a simple or standard batch. Transaction Information - mandatory block, - it can occur many times under one block of Payment Information type, - it contains data of the other transaction party. When the PaymentTypeInformation block was given at the PaymentInformation level and at the TransactionInformation level, then the TransactionInformation block has a higher priority. 1.3 Batching rules Batching rules: ne import file is used to create one batch. Batch name is defined in the Group Header, in the field: MsgID. When many Payment Information blocks were given, they are combined into one batch. 4

5 When all orders in individual Payment Information blocks satisfy the terms and conditions of a simple batch and additionally each order has the STRAIGHT value in the InstrForDbtrAgt field, all such orders are combined into one simple batch. When at least one of the orders does not satisfy the terms and conditions of a simple batch (e.g. different currency, transaction type or different number of the account debited in the PaymentInformation block) a standard batch is created. Batches with a mix of domestic and foreign orders can also be created. 1.4 Differentiation rules for file orders Differentiation rules for file orders rder type Domestic orders Rule Domestic: transfer currency PLN and account debited in PLN and account credited maintained at a bank in Poland. Foreign orders Bank code given in one of the fields +++CdtrAgt ++++FinInstnId +++++ClrSysMmbId ClrSysId Cd MmbId or +++CdtrAgt ++++FinInstnId +++++BIC (group 1) transfer in PLN to foreign banks (group 2) transfer in the currency other than PLN to domestic banks (ING BSK included) and foreign banks Bank code in the field +++CdtrAgt ++++FinInstnId +++++BIC Note! BIC field cannot be left empty. When there is no code in the MmbId field or when the bank code was not specified but the bank address was given, the transfer should be considered as foreign transfer. 5

6 SEPA orders The SEPA constant value is required in the tag. ++PmtTpInf +++SvcLvl ++++Cd r rders to Social Insurance Institution rders to Tax ffice +++PmtTpInf ++++SvcLvl +++++Cd Domestic transfer and additionally SSBE value in the field +++ PmtTpInf ++++CtgyPurp +++++Cd Domestic transfer and additionally Internal transfers TAXS value in the field +++ PmtTpInf ++++CtgyPurp +++++Cd Domestic transfer and additionally INTC value in the field +++ PmtTpInf ++++CtgyPurp +++++Cd Note! When a transfer is made between the accounts of one client it is treated by ING BusinessnLine as an internal transfer. When a transfer is made between the accounts of various clients, it is a domestic transfer. 6

7 2. File format 2.1 Group Header Block GrpHdr Header Field name XML element name Status Format Remarks Message identifier Message creation date and time Number of message orders Checksum rder initiator Sender identifier +GrpHdr ++MsgId +GrpHdr ++CreDtTm +GrpHdr ++NbfTxs +GrpHdr ++CtrlSum +GrpHdr ++InitgPty +++Nm +GrpHdr ++InitgPty +++Id ++++rgid +++++thr Id M 35x Unique for a given sender. M M IS DateAn dtime 15d For the messages with transfers, the message identifier value is used to check the status of transfers sent. The identifiers of the messages sent by one client have to be unique (they cannot be repeated). An error will be reported for repeated identifiers. Message identifier is saved as used only when the message was correct and the message-based transfers were saved. They are used to name the batch. The total value of all batch orders, regardless of the order currency. Soft validation checking that the same file has not been imported yet. When the user has imported the file and tries to upload the same file (the checksum is remembered), a popup will appear on the screen: The file has already been imported. Do you want to re-import it? and the user will be able to choose K/ Cancel. M 70x A sequence allowing identification of the order author in the ERP system. 35x Client identifier 7

8 2.2 Payment Information and Transaction Information Blocks PmtInf Payments Block This block contains a list of payments for one debited account. Field name XML element name Status Format Remarks Name of batch of transfers Payment method Mass orders mark Number of transactions in the batch Batch checksum Payment type code (Payment Type Information Service Level Code) Target execution category Execution date Sender name Sender address +Id ++PmtMtd ++BtchBookg ++NbfTxs ++CtrlSum ++PmtTpInf +++SvcLvl ++++Cd ++CtgyPurp ++ReqdExctnDt ++Dbtr +++Nm ++Dbtr +++PstlAdr ++++AdrLine 35x In accordance with RBE: References assigned by the sender M 3!a Constant value M IS Date unique identifier of information block in the message. TRF False standard orders (debit per transaction). True orders booked under one transaction. This type of orders is not processed now. When no value has been given, false should be taken. Number of transactions in one batch, that is under one PmtInf tag. The field is not mandatory. The user may approve the batch only. Total number of transactions in one batch, that is under one PmtInf tag. The field is not mandatory. The user may approve the batch only. The field is mandatory for SEPA transfers for which SEPA is an acceptable value. The field is not used. M 70x rder initiator name. 70x Maximum number of occurrences = 2; Total length of both fields cannot be over 70 characters. 8

9 Field name XML element name Status Format Remarks Sender country code Sender account IBAN ++Dbtr +++PstlAdr ++++Ctry ++DbtrAcct +++Id ++++IBAN C 2!a Country code in line with IS C The field is mandatory when the AdrLine field was added. IBAN format is mandatory for SEPA and foreign transfers. Sender account BBAN Domestic identifier of the sender bank Sender bank s BIC Fee settlement Account for BBAN fees ++DbtrAcct +++Id ++++thr +++++Id ++DbtrAgt +++FinInstnId ++++ClrSysMmbId +++++MmbId ++DbtrAgt +++FinInstnId ++++BIC ++ChrgBr ++ChrgsAcct +++Id ++++thr +++++Id C 26!n Account in the BBAN standard. C 8!n Bank s clearing number. C 4!a2!a2! c[3!c] Sender bank s BIC. BIC mandatory for SEPA transfers. Should be given for foreign transfers when available. 4!a Acceptable values: C CRED fee paid by the counterparty DEBT fee paid by the sender SHAR shared fee SLEV fee accrued in line with bank s arrangements Completion rules: Domestic transfers ignored field SEPA transfer fill in the SLEV value Foreign transfer fill in one of the values: CRED, DEBT or SHAR. Account in the BBAN format. The field is mandatory when the ChrgBr field was filled in. 9

10 Field name XML element name Status Format Remarks Account for IBAN fees ++ChrgsAcct +++Id ++++IBAN C Account in the IBAN format. The field is mandatory when the ChrgBr field was filled in. IBAN format should be used for SEPA and foreign orders. Data of single CdtTrfTxInf payment Field name XML element name Status Format Remarks Reference Clearing channel identifier +++PmtId ++++EndToEndId +++PmtTpInf ++++SvcLvl +++++Cd M 35x The field is mandatory under the standard when not provided by the bank client, the ERP System has to fill it in with the not provided value. C 4!a Note! When the value is not provided, the transaction type is defined with the tag ++SvcLvl +++Cd defined per the entire PaymentInfo batch. Field used for domestic transfers. For SRBNET transactions a constant value RTGS. For ELIXIR transactions field forbidden. Field ignored for internal orders. Foreign transfer field not interpreted for NRM values in the order priority. For HIGH values possible values are: PRPT for urgent mode tomorrow SDVA for express mode today. 10

11 Field name XML element name Status Format Remarks rder priority +++PmtTpInf ++++InstrPrty 4!a IS admits the following codes: HIGH NRM Putting the NRM value in the field or absence of that field the transfer will be treated as so far. Putting the HIGH value in the field the transfer will be validated and there will be an attempt made to send it via ExpressElixir. rder category +++ PmtTpInf ++++CtgyPurp +++++Cd Field ignored for internal orders. C 4!a Acceptable codes are the following: TAXS for orders to the Tax ffice SSBE for orders to the Social Insurance Institution INTC for intrabank orders CASH for cash deposit. Field forbidden for other order types. Transfer amount +++Amt ++++InstdAmt M 3!a 18d Currency code compliant with IS Amount in the brackets from 0.01 to 999,999,999,999, Identifier of the intermediary bank +++IntrmyAgt1 C For foreign transfers only. ++++FinInstnId +++++ClrSysMmbId ClrSysId Cd MmbId BIC of the intermediary bank +++IntrmyAgt1 C For foreign transfers only. ++++FinInstnId +++++BIC Name of the intermediary bank +++IntrmyAgt1 For foreign transfers only. ++++FinInstnId +++++Nm 11

12 Field name XML element name Status Format Remarks Address of the counterparty bank Identifier of the counterparty bank BIC of the counterparty bank Counterparty bank name Address of the counterparty bank Counterparty name +++IntrmyAgt1 ++++FinInstnId +++++PstlAdr +++CdtrAgt ++++FinInstnId +++++ClrSysMmbId ClrSysId Cd MmbId +++CdtrAgt ++++FinInstnId +++++BIC +++CdtrAgt ++++FinInstnId +++++Nm +++CdtrAgt ++++FinInstnId +++++PstlAdr +++Cdtr ++++Nm For foreign transfers only. Fill in <Ctry> and two lines at maximum from <AdrLine>. C 8!n Counterparty bank s clearing number. C C M 4!a2!a2! c[3!c] 70x BIC of the counterparty bank the field is mandatory for SEPA transfers. For foreign transfers provide the correct BIC or enter the full name and address of the beneficiary bank. In the absence of BIC, ING Bank will process the order in the NN STP mode and will charge the Client s bank account with extra fees (the socalled NN STP fee) under the Table of Fees and Commissions and those charged by the beneficiary bank. Bank name for foreign transfers. Name optional when BIC was provided. The name is mandatory when BIC was not provided. Fill in the field for foreign transfers when BIC was not provided. Fill in the country <Ctry> and address (two lines at maximum from <AdrLine>). 12

13 Field name XML element name Status Format Remarks Counterparty address Counterparty country Country of residence (stay) for the person Counterparty account in the BBAN format Counterparty account in the IBAN format Tax (the field is mandatory for orders to the Tax ffice and the Social Insurance Institution) +++Cdtr +++PstlAdr ++++AdrLine +++Cdtr ++++PstlAdr +++++Ctry +++Cdtr ++++CtryfRes +++CdtrAcct ++++Id +++++thr Id +++CdtrAcct ++++Id +++++IBAN +++Tax ++++Dbtr ++++TaxId ++++RegnId ++++Rcrd +++++Tp +++++FrmsCd 70x Maximum number of occurrences = 2; Total length of both fields cannot be over 70 characters. C 2!a The field is mandatory when the AdrLine field is present. 2!a When PL or when the field is absent, we assume that it is a resident; a non-resident otherwise. C 26!n Account in the BBAN format for domestic transfers or foreign transfers when IBAN is unavailable. M 2!a2!n3 0c For SEPA transfers, give the account in the IBAN format. For foreign or domestic transfers, IBAN is recommended. C The field is mandatory for orders to the Tax ffice and the Social Insurance Institution. Field structure is described in the following tables. 13

14 Field name XML element name Status Format Remarks Additional information for the sender bank rder title non-structural rder title structural +++InstrForDbtrAgt +++RmtInf ++++Ustrd +++RmtInf ++++Strd +++++RfrdDocInf RfrdDocNb +++++AddtlRmtInf 140x When a batch of orders is sent, conditional on the bank and the type of the batch sent, the field can contain batch type tags, separated with commas: PAYMENT payroll batch PAYMENT_ADMISSIN payroll batch with credit amount STRAIGHT simple batch. Absence of any of the above labelling means that the batch is a standard batch. When the bank so admits and when the field has the SEND value set for all transactions in the batch, orders will be sent automatically after the approval flow rules have been met. therwise, the batch will not be sent even if the approval flow rules have been met. When a given bank does not support a given value, an error is returned. C 140x The field can appear only once. C The field forbidden for orders to the Social Insurance Institution. Field earmarked for transactions to the Social Insurance Institution. RfrdDocNb deposit type, declaration, declaration number. AddtlRmtInf Number of the decision/ agreement/ writ of execution. TAX field content for payments to the Social Insurance Institution Field name XML element name Status Format Remarks Debtor tax identifier Details of the debtor making the payment +++Tax ++++Dbtr +++++TaxId +++Tax ++++Dbtr 35x In this field we always give the Tax Identification Number of the debtor. 14

15 Field name XML element name Status Format Remarks Debtor tax identifier no. 2 Description of the payment type Additional information +++Tax ++++Dbtr +++++RegnId +++Tax ++++Rcrd +++++Tp +++Tax ++++Rcrd +++++AddtlInf 1!x34x 35x 140x E.g. 1ABV , where the first symbol in the field shows the type of identifier used: R REGN (Statistical Identification Number) P PESEL (Personal Identification Number) 1 ID card 2 Passport Subsequent 34 characters include the serial number of the identifier. The field contains the following data: deposit type, declaration, declaration number. The field contains the following data: Number of the decision/ agreement/ writ of execution. TAX field content for payments to the Tax ffice Field name XML element name Status Format Remarks Debtor identifier Description of the payment type +++Tax ++++Dbtr +++++RegnId +++Tax ++++Rcrd +++++Tp 1!x34x 35x E.g. 1ABV , where the first symbol in the field shows the type of identifier used: N NIP (Tax Identification Number) R REGN (Statistical Identification Number) P PESEL (Personal Identification Number) 1 ID card 2 Passport 3 other identifier type Subsequent 34 characters include the serial number of the identifier. Here we enter the period (year, period type and number). 15

16 Field name XML element name Status Format Remarks Form type Additional information +++Tax ++++Rcrd +++++FrmsCd +++Tax ++++Rcrd +++++AddtlInf 35x Here we enter the form type. 140x Liability specification (document type, for example: a decision, writ of execution, ruling). 16

17 DATA EXPRT 1. Bank statement export format (xml) based on the message camt Field name XML element name Status Format Remarks Message identifier Creation date and time Page number Last page mark Bank statement +GrpHdr ++MsgId +GrpHdr ++CreDtTm +GrpHdr ++MsgPgntn +++PgNb +GrpHdr ++MsgPgntn +++LastPgInd Bank statement fields 35x Bank statement number. Unique for a given beneficiary. M IS DateAn dtime Cannot have spaces. 5d The field is mandatory when the bank statement has a few pages. For SWIFT statements, this field returns the latter part from field 28C. The field is mandatory when the bank statement has a few pages. Acceptable values: Yes for the last page No when other pages follow. The structure with the bank statement (the message can contain many or zero bank statements). Bank statement number SWIFT statement number Creation date and time Statement date from Statement date to ++Id <> +<Stmt> ++<ElctrncSeqNb> ++CreDtTm ++FrToDt +++FrDtTm ++FrToDt +++ToDtTm M 35x Bank statement identifier M M M M IS DateAn dtime IS DateAn dtime IS DateAn dtime For SWIFT statement it is the field: 20 and it contains the statement reference number. The field is mandatory for SWIFT statements. It is not present for standard bank statements. For SWIFT statement it is the field: 28C. Statement creation date and time. 17

18 Account number Account number Account currency Account name Name of the account holder Address of the account holder Country code for the account holder ++Acct +++Id ++++IBAN ++Acct +++Id ++++thr +++++Id ++Acct +++Ccy ++Acct +++Nm ++Acct +++wnr ++++Nm ++Acct +++wnr ++++PstlAdr +++++AdrLine ++Acct +++wnr ++++PstlAdr +++++Ctry C 2!a26!d Account number in the IBAN format. C For SWIFT statement it is the field: 25: when the account is in the IBAN format. Account number in the non-iban format. Field used for SWIFT statements. For SWIFT statement it is the field: 25: when the account is in the IBAN format. 3!a IS code for account currency. M 70x 70x 70x This field can occur twice at maximum. C 2!a The field is mandatory when the address of the account holder was given <AddrLine>. 18

19 Balance code Balance amount and currency Balance mark Balance date Additional information Bank statement item ++Bal +++Tp ++++CdrPtry +++++Cd ++Bal +++Amt ++Bal +++CdtDbtInd ++Bal +++Dt ++++Dt ++AddtlStmtInf ++Ntry Bank statement fields (inside the Ntry tag): M 4!a Balance code: M 3!a18d PBD opening balance CLBD closing balance For SWIFT statements the field (along with the entire Bal tag) can occur many times and contain: PRCD opening balance (field 60a) CLBD closing balance (field 62a) CLAV available closing balance field 64 FWAV forecasted available balance field 65 M 4!a Acceptable values: M IS Date 500x CRDT for the balance 0 DBIT for the balance < 0 Bank statement starting date for the opening balance. Bank statement end date for the closing balance. Can occur 0 or many times. Item amount ++Ntry +++Amt M 3!a18d It is mandatory to enter the IS code for the currency. For SWIFT statement, in this tag the sub-field 5 from the field 61 is given. 19

20 Position mark Transaction reversal Item status Booking date peration date Banking operation code ++Ntry +++CdtDbtInd <> +<Stmt> ++<Ntry> +++<RvslInd> ++Ntry +++Sts ++Ntry +++BookgDt ++++Dt ++Ntry +++ValDt ++++Dt ++Ntry +++BkTxCd ++++Domn +++++Cd M 4!a Acceptable values: CRDT for the amount 0 DBIT for the amount < 0. For SWIFT statements, this is mapped onto the sub-field 3 from the field 61, respectively: CRDT when the sub-field 3 contains C DBIT when the sub-field 3 contains D. Field earmarked for SWIFT statements for reversal transactions. Acceptable values: True if the sub-field 3 of the field 61 contains RC or RD False if the sub-field 3 of the field 61 contains C or D. This tag maps the sub-field 3 from the field 61. M 4!a Constant value: BK M M IS Date IS Date For SWIFT statements, this field contains the ValueDate input date in the YYYYMMDD format (it is the subfield 2 from the field 61). For SWIFT statements, this field contains the ValueDate in the YYYYMMDD format (it is the subfield 1 from the field 61). M 4x Field earmarked for standard operation codes. E.g For SWIFT statements, this field contains the transaction type code returned in the field 61 (sub-field 6). 20

21 Extended operation code Extended operation subcode Sent order amount and currency Instruction identifier peration reference rder identifier ++Ntry +++BkTxCd ++++Domn +++++Fmly Cd ++Ntry +++BkTxCd ++++Domn +++++Fmly SubFmlyCd ++Ntry +++AmtDtls ++++InstdAmt ++Ntry +++NtryDtls ++++TxDtls +++++Refs InstrId ++Ntry +++NtryDtls ++++TxDtls +++++Refs EndToEndId ++Ntry +++NtryDtls ++++TxDtls +++++Refs TxId 4x Banking booking code PSTellerTC20. 4x Constant value. 3!a 18d 35x M 35x Client reference. M 35x For SWIFT transfers, it is the subfield 7 from the field

22 Sender data Sender account Name of the initial sender Counterparty Counterparty account Ultimate beneficiary ++Ntry +++NtryDtls ++++TxDtls +++++RltdPties Dbtr ++Ntry +++NtryDtls ++++TxDtls +++++RltdPties DbtrAcct ++Ntry +++TxDtls ++++RltdPties +++++UltmtDbtr Nm ++Ntry +++NtryDtls ++++TxDtls +++++RltdPties Cdtr ++Ntry +++NtryDtls ++++TxDtls +++++RltdPties CdtrAcct ++Ntry +++TxDtls ++++RltdPties +++++UltmtCdtr Nm For credit operations (crediting the account). 70x 70x Tag details are in the following table. For credit operations (crediting the account). Account can be in the IBAN format. <Id> +<IBAN> or another format <Id> +<thr> ++<Id> For debit operations (tag details are in the following table). For debit operations Account can be in the IBAN format <Id> +<IBAN> or another format <Id> +<thr> ++<Id> 22

23 Transfer title structural Transfer title non-structural Additional SWIFT information Additional information for the account holder Reference number of the bank maintaining the account ++Ntry +++TxDtls ++++RmtInf +++++Strd ++Ntry +++NtryDtls ++++TxDtls +++++RmtInf Ustrd <> +<Stmt> ++<Ntry> +++<TxDtls> ++++<AddtlTxInf> +<Stmt> ++<Ntry> +++<AddtlNtryInf> <> +<Stmt> ++<Ntry> +++<AcctSvcrRef> Fields for the sender and counterparty (Dbtr, Cdtr) C 140x peration title (non-structural). 500x This field contains additional information from the field 61 (subfield 9) of the SWIFT statement. 500x Field earmarked for the content of the field 86 from the SWIFT message. 35A Field earmarked for the reference number assigned by the bank maintaining the account and forwarded as standard in the field 61 (sub-field 8) of the SWIFT statement. Sender/counterp arty name Sender/counterp arty address Sender/counterp arty country +Nm M 70x +PstlAdr ++AdrLine +PstlAdr ++Ctry 70x This field can occur twice at maximum. C 2!a It is a mandatory field when the <AdrLine> address was used. The country is returned only for the sender for outgoing orders and for the counterparty for incoming orders. For the other party PL is always returned. 23

24 2. History of operations export format (xml) based on the message camt Field name XML element name Statu s Message identifier Creation date and time Page number Message identifier Creation date and time Starting date and time for the history End date and time for the history SWIFT statement number BkToCstmrAcctRpt +GrpHdr ++MsgId BkToCstmrAcctRpt +GrpHdr ++CreDtTm <BkToCstmrAcctRpt> +<GrpHdr> ++<MsgPgntn> BkToCstmrAcctRpt +Rpt ++Id BkToCstmrAcctRpt +Rpt ++CreDtTm BkToCstmrAcctRpt +Rpt ++FrToDt +++FrDtTm BkToCstmrAcctRpt +Rpt ++FrToDt +++ToDtTm <BkToCstmrAcctRpt> + <Rpt> ++<ElctrncSeqNb> Format Remarks 35x Unique for a given beneficiary. Cannot have spaces. M IS DateAnd Time 5d The field is mandatory when the bank statement has a few pages. For SWIFT statements, this field returns the latter part from the field 28C. M 35x It is the identifier from the header. M M M M IS DateAnd Time IS DateAnd Time IS DateAnd Time For history of SWIFT operations it is the field 20. It is the date from the header. For history of SWIFT operations it is the field 13D. nly the date is important, the time is always set as 00:00. nly the date is important, the time is always set as 00:00. The field is mandatory for SWIFT statements. It is not present for standard bank statements. Account number BkToCstmrAcctRpt +Rpt ++Acct +++Id ++++IBAN For SWIFT statement it is the field 28C. M 2!a26!n Account number in the IBAN format. For history of SWIFT operations it is the field

25 Field name XML element name Statu s Account name Name of the account holder Country code for the account holder Address of the account holder Balance code Balance amount and currency Balance mark Balance date BkToCstmrAcctRpt +Rpt ++Acct +++Nm BkToCstmrAcctRpt +Rpt ++Acct +++wnr ++++Nm BkToCstmrAcctRpt +Rpt ++Acct +++wnr ++++PstlAdr +++++Ctry BkToCstmrAcctRpt +Rpt ++Acct +++wnr ++++PstlAdr +++++AdrLine BkToCstmrAcctRpt +Rpt ++Bal +++Tp ++++Cd BkToCstmrAcctRpt +Rpt ++Bal +++Amt BkToCstmrAcctRpt +Rpt ++Bal +++CdtDbtInd BkToCstmrAcctRpt +Rpt ++Bal +++Dt ++++Dt Format Remarks 70x Account name (alias). M 70x The name of the holder assigned to the account is returned, when the name was not defined the business name is returned. 2!a Country code for the business account holder. This element is present only when the Address of the account holder is returned. 70x This field can occur twice at maximum (in that manner 70 characters in total can be obtained). 4!a Balance code: 3!a 18d The address of the business assigned to the account is returned, when the business was not defined the business address is returned. PBD opening balance CLBD closing balance 4!a Acceptable values: IS Date CRDT for the balance 0 DBIT for the balance < 0 25

26 Field name XML element name Statu s Number and total of transactions Additional information History item <BkToCstmrAcctRpt> + <Rpt> ++<TxsSummry> +++<TtlDbtNtries> ++++<TtlDbtNtries> ++++<Sum> BkToCstmrAcctRpt +Rpt ++AddtlRptInf BkToCstmrAcctRpt +Rpt ++Ntry Fields in the history item (inside the <Ntry> tag) Format 500x Item amount +Amt M 3!a Remarks Field earmarked for history of SWIFT operations. In this tag the fields 90C (credit) and 90D (debit) are returned. Can occur 0 or many times. 18d peration amount and currency. It is mandatory to enter the IS code for the currency as well. Position mark +CdtDbtInd M 4!a Acceptable values: CRDT for the amount 0 DBIT for the amount < 0. Transaction reversal <> +<Stmt> ++<Ntry> +++<RvslInd> For history of SWIFT operations it is the field 61, sub-field 3. 1x Field earmarked for SWIFT statements for reversal transactions. Acceptable values: True if the sub-field 3 of the field 61 contains RC or RD False if the sub-field 3 of the field 61 contains C or D. This tag maps the sub-field 3 from the field 61. Item status +Sts M 4!a Conditional on the bank possible values are: BK, PDNG and INF. Booking date +BookgDt ++DtTm M IS DateAn dtime When a given bank does not support a given value, an error is returned. When there is no booking hour, it will be returned as 00:00. For history of SWIFT operations it is the field 61, sub-field 2. 26

27 Field name XML element name Statu s peration date +ValDt ++DtTm M Format IS DateAn dtime Remarks When there is no operation hour, it will be returned as 00:00. Banking operation code Extended operation code Extended operation subcode Sent order amount and currency Number of intraday transactions Instruction identifier peration reference rder identifier peration reference +BkTxCd ++Domn +++Cd +BkTxCd ++Domn +++Fmly ++++Cd +BkTxCd ++Domn +++Fmly ++++SubFmlyCd +AmtDtls ++InstdAmt +NtryDtls ++TxDtls +++Refs ++++MsgId +NtryDtls ++TxDtls +++Refs ++++InstrId +NtryDtls ++TxDtls +++Refs ++++EndToEnd +NtryDtls ++TxDtls +++Refs ++++TxId +NtryDtls ++TxDtls +++Refs ++++EndToEndId For history of SWIFT operations it is the field 61, sub-field 1. M 4x Standard operation code returned by the primary banking system. 4x 4x 3!a 18d For history of SWIFT operations it is the field 61, sub-field 6. 35x Number for incremental history downloading. 35x peration reference number (bank references). 35x Client reference. 35x peration identifier. M 35x Client reference. For SEPA transfers, it is the sub-field 7 from the field

28 Field name XML element name Statu s rder amount and currency Senders +NtryDtls ++TxDtls +++AmtDtls ++++InstdAmt +++++Amt +NtryDtls ++TxDtls +++RltdPties ++++Dbtr Sender account +NtryDtls Counterparty Counterparty account Name of the initial sender Ultimate beneficiary Transfer title structural ++TxDtls +++RltdPties ++++DbtrAcct +++++Id thr Id +NtryDtls ++TxDtls +++RltdPties ++++Cdtr +NtryDtls ++TxDtls +++RltdPties ++++CdtrAcct +++++Id thr Id +NtryDtls> ++TxDtls +++RltdPties ++++UltmtDbtr +++++Nm +NtryDtls ++TxDtls +++RltdPties ++++UltmtCdtr +++++Nm> +++TxDtls ++++RmtInf +++++Strd Format Remarks 3!a18d Field filled in for operations confirmed with the MT940 statement only. For credit operations (crediting the account). Tag details are in the following table. For credit operations (crediting the account) Account is returned in this element regardless of its format (IBAN or other). For debit operations. Tag details are in the following table. For debit operations. Account is returned in this element (regardless of its format: IBAN or other). 70x For credit operations (crediting the account). 70x For debit operations. 28

29 Field name XML element name Statu s Transfer title non-structural Additional SWIFT information Additional information for the account holder Reference number of the bank maintaining the account +NtryDtls ++TxDtls +++RmtInf ++++Ustrd +<TxDtls> ++<AddtlTxInf> Format Remarks 140x peration title (non-structural). 500x This field contains additional information from the field 61 (subfield 9) of the SWIFT statement. +<AddtlNtryInf> 500x Field earmarked for the content of the field 86 from the SWIFT message. +<AcctSvcrRef> 35A Field earmarked for the reference number assigned by the bank maintaining the account and forwarded as standard in the field 61 (sub-field 8) of the SWIFT statement. Fields for the sender and counterparty (<Dbtr>, <Cdtr>) Sender/counter party name Sender/counter party address Sender/counter party country +Nm M 70x +PstlAdr ++AdrLine +PstlAdr ++Ctry 35x This field can occur twice at maximum. C 2!a It is a mandatory field when the <AdrLine> address was used. The country is returned only for the sender for outgoing orders and for the counterparty for incoming orders. For the other party PL is always returned. 29

30 EXAMPLES 1. Domestic orders account in BBAN format <urn2:document xmlns:urn2="urn:iso:std:iso:20022:tech:xsd:pain " xmlns :xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <urn2:cstmrcdttrfinitn> <urn2:grphdr> <urn2:msgid>dmestic0001</urn2:msgid> <urn2:credttm> t00:00: :00</urn2:credttm> <urn2:nbftxs>1</urn2:nbftxs> <urn2:ctrlsum>1</urn2:ctrlsum> <urn2:initgpty> <urn2:nm>cmpany C</urn2:Nm> </urn2:initgpty> </urn2:grphdr> <urn2:pmtinf> <urn2:pmtinfid>dmestic0001</urn2:pmtinfid> <urn2:pmtmtd>trf</urn2:pmtmtd> <urn2:btchbookg>false</urn2:btchbookg> <urn2:nbftxs>1</urn2:nbftxs> <urn2:reqdexctndt> </urn2:reqdexctndt> <urn2:dbtr> <urn2:nm>cmpany C</urn2:Nm> </urn2:dbtr> <urn2:dbtracct> <urn2:thr> </urn2:thr> </urn2:dbtracct> <urn2:dbtragt> <urn2:fininstnid> <urn2:clrsysmmbid> <urn2:mmbid> </urn2:mmbid> </urn2:clrsysmmbid> </urn2:fininstnid> </urn2:dbtragt> <urn2:cdttrftxinf> <urn2:pmtid> <urn2:endtoendid>not provided</urn2:endtoendid> </urn2:pmtid> <urn2:amt> <urn2:instdamt Ccy="PLN">1.00</urn2:InstdAmt> </urn2:amt> <urn2:cdtragt> <urn2:fininstnid> <urn2:clrsysmmbid> <urn2:mmbid> </urn2:mmbid> </urn2:clrsysmmbid> </urn2:fininstnid> </urn2:cdtragt> <urn2:cdtr> <urn2:nm>jhn SMITH</urn2:Nm> <urn2:pstladr> <urn2:ctry>pl</urn2:ctry> <urn2:adrline>ul. Romanska</urn2:AdrLine> 30

31 <urn2:adrline>gdansk</urn2:adrline> </urn2:pstladr> </urn2:cdtr> <urn2:cdtracct> <urn2:thr> </urn2:thr> </urn2:cdtracct> <urn2:rmtinf> <urn2:ustrd>test metastandard</urn2:ustrd> </urn2:rmtinf> </urn2:cdttrftxinf> </urn2:pmtinf> </urn2:cstmrcdttrfinitn> </urn2:document> 2. Domestic orders account in IBAN format <urn2:document xmlns:urn2="urn:iso:std:iso:20022:tech:xsd:pain " xmlns :xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <urn2:cstmrcdttrfinitn> <urn2:grphdr> <urn2:msgid>prosta1</urn2:msgid> <urn2:credttm> t00:00: :00</urn2:credttm> <urn2:nbftxs>2</urn2:nbftxs> <urn2:ctrlsum>1</urn2:ctrlsum> <urn2:initgpty> <urn2:rgid> <urn2:thr> </urn2:thr> </urn2:rgid> <urn2:nm>cmpany C</urn2:Nm> </urn2:initgpty> </urn2:grphdr> <urn2:pmtinf> <urn2:pmtinfid>lek000001pmtinfid00001</urn2:pmtinfid> <urn2:reqdexctndt> </urn2:reqdexctndt> <urn2:pmtmtd>trf</urn2:pmtmtd> <urn2:btchbookg>false</urn2:btchbookg> <urn2:nbftxs>2</urn2:nbftxs> <urn2:dbtr> <urn2:nm>cmpany C</urn2:Nm> </urn2:dbtr> <urn2:dbtracct> <urn2:iban>pl </urn2:iban> </urn2:dbtracct> <urn2:dbtragt> <urn2:fininstnid> <urn2:clrsysmmbid> <urn2:mmbid> </urn2:mmbid> </urn2:clrsysmmbid> 31

32 </urn2:fininstnid> </urn2:dbtragt> <urn2:cdttrftxinf> <urn2:pmtid> <urn2:endtoendid>xyz test of signs in the field</urn2:endtoendid> </urn2:pmtid> <urn2:pmttpinf> <urn2:instrprty>high</urn2:instrprty> </urn2:pmttpinf> <urn2:amt> <urn2:instdamt Ccy="PLN">3.00</urn2:InstdAmt> </urn2:amt> <urn2:cdtragt> <urn2:fininstnid> <urn2:clrsysmmbid> <urn2:mmbid> </urn2:mmbid> </urn2:clrsysmmbid> </urn2:fininstnid> </urn2:cdtragt> <urn2:cdtr> <urn2:nm>adam Testowy</urn2:Nm> <urn2:pstladr> <urn2:ctry>pl</urn2:ctry> <urn2:adrline>ul. Romańska</urn2:AdrLine> <urn2:adrline>gdańsk</urn2:adrline> </urn2:pstladr> </urn2:cdtr> <urn2:cdtracct> <urn2:iban>pl </urn2:iban> </urn2:cdtracct> <urn2:instrfordbtragt>payment</urn2:instrfordbtragt> <urn2:rmtinf> <urn2:ustrd>test import xmldfsda fasdfsda33 dsad fd fsdfsdfsda </urn2:Ustrd> </urn2:rmtinf> </urn2:cdttrftxinf> <urn2:cdttrftxinf> <urn2:pmtid> <urn2:endtoendid/> </urn2:pmtid> <urn2:pmttpinf> <urn2:instrprty>nrm</urn2:instrprty> </urn2:pmttpinf> <urn2:amt> <urn2:instdamt Ccy="PLN">3.00</urn2:InstdAmt> </urn2:amt> <urn2:cdtragt> <urn2:fininstnid> <urn2:clrsysmmbid> <urn2:mmbid> </urn2:mmbid> </urn2:clrsysmmbid> </urn2:fininstnid> </urn2:cdtragt> <urn2:cdtr> <urn2:nm>adam Test</urn2:Nm> <urn2:pstladr> <urn2:ctry>pl</urn2:ctry> <urn2:adrline>ul. Romańska</urn2:AdrLine> <urn2:adrline>gdańsk</urn2:adrline> 32

33 </urn2:pstladr> </urn2:cdtr> <urn2:cdtracct> <urn2:iban>pl </urn2:iban> </urn2:cdtracct> <urn2:instrfordbtragt>payment</urn2:instrfordbtragt> <urn2:rmtinf> <urn2:ustrd>test import xml</urn2:ustrd> </urn2:rmtinf> </urn2:cdttrftxinf> </urn2:pmtinf> </urn2:cstmrcdttrfinitn> </urn2:document> 3. Tax ffice orders <urn2:document xmlns:urn2="urn:iso:std:iso:20022:tech:xsd:pain " xmlns :xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <urn2:cstmrcdttrfinitn> <urn2:grphdr> <urn2:msgid>us00010</urn2:msgid> <urn2:credttm> t00:00: :00</urn2:credttm> <urn2:nbftxs>1</urn2:nbftxs> <urn2:initgpty> <urn2:nm>cmpany XYZ</urn2:Nm> <urn2:rgid> <urn2:thr> test </urn2:thr> </urn2:rgid> </urn2:initgpty> </urn2:grphdr> <urn2:pmtinf> <urn2:pmtinfid>2123</urn2:pmtinfid> <urn2:pmtmtd>trf</urn2:pmtmtd> <urn2:btchbookg>false</urn2:btchbookg> <urn2:reqdexctndt> :00</urn2:reqdexctndt> <urn2:dbtr> <urn2:nm> CMPANY XYZ </urn2:nm> </urn2:dbtr> <urn2:dbtracct> <urn2:thr> </urn2:thr> </urn2:dbtracct> <urn2:dbtragt> <urn2:fininstnid> <urn2:clrsysmmbid> <urn2:mmbid> </urn2:mmbid> </urn2:clrsysmmbid> </urn2:fininstnid> </urn2:dbtragt> 33

34 <urn2:cdttrftxinf> <urn2:pmtid> <urn2:endtoendid>123456</urn2:endtoendid> </urn2:pmtid> <urn2:pmttpinf> <urn2:ctgypurp> <urn2:cd>taxs</urn2:cd> </urn2:ctgypurp> </urn2:pmttpinf> <urn2:amt> <urn2:instdamt Ccy="PLN">131.00</urn2:InstdAmt> </urn2:amt> <urn2:cdtragt> <urn2:fininstnid/> </urn2:cdtragt> <urn2:cdtr> <urn2:nm>tax office</urn2:nm> <urn2:pstladr> <urn2:ctry>pl</urn2:ctry> <urn2:adrline>ul. Romanska</urn2:AdrLine> <urn2:adrline>gdansk</urn2:adrline> </urn2:pstladr> </urn2:cdtr> <urn2:cdtracct> <urn2:thr> </urn2:thr> </urn2:cdtracct> <urn2:tax> <urn2:dbtr> <urn2:regnid>1aad053953</urn2:regnid> </urn2:dbtr> <urn2:rcrd> <urn2:tp>2013r01</urn2:tp> <urn2:frmscd>pit37</urn2:frmscd> <urn2:addtlinf>decyzja</urn2:addtlinf> </urn2:rcrd> </urn2:tax> <urn2:rmtinf> <urn2:ustrd>okolicynop</urn2:ustrd> </urn2:rmtinf> </urn2:cdttrftxinf> </urn2:pmtinf> </urn2:cstmrcdttrfinitn> </urn2:document> 4. Social Insurance Institution order <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xmlns:xsi="http :// xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>LEK00001ZUS001</MsgId> <CreDtTm> T12:20: :00</CreDtTm> <NbfTxs>1</NbfTxs> <InitgPty> 34

35 <Nm>CMPANY C</Nm> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>ZUS000001</PmtInfId> <PmtMtd>TRF</PmtMtd> <ReqdExctnDt> :00</ReqdExctnDt> <Dbtr> <Nm>CMPANY C</Nm> <PstlAdr> <Ctry>PL</Ctry> <AdrLine>Payer city</adrline> </PstlAdr> <Id> <rgid> <thr> <Id> </Id> </thr> </rgid> </Id> </Dbtr> <DbtrAcct> <Id> <thr> <Id> </Id> </thr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <ClrSysMmbId> <MmbId> </MmbId> </ClrSysMmbId> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <EndToEndId>not provided</endtoendid> </PmtId> <PmtTpInf> <CtgyPurp> <Cd>SSBE</Cd> </CtgyPurp> </PmtTpInf> <Amt> <InstdAmt Ccy="PLN">21.76</InstdAmt> </Amt> <CdtrAgt> <FinInstnId> <ClrSysMmbId> <MmbId> </MmbId> </ClrSysMmbId> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>ZUS</Nm> <PstlAdr> <Ctry>PL</Ctry> <AdrLine>Beneficiary str</adrline> <AdrLine>Beneficiary town</adrline> </PstlAdr> </Cdtr> 35

36 <CdtrAcct> <Id> <thr> <Id> </Id> </thr> </Id> </CdtrAcct> <Tax> <Dbtr> <TaxId> </TaxId> <RegnId>R </RegnId> </Dbtr> </Tax> <RmtInf> <Strd> <RfrdDocInf> <Nb>S </Nb> </RfrdDocInf> <AddtlRmtInf/> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> 5. MT101 CRED order <urn2:document xmlns:urn2="urn:iso:std:iso:20022:tech:xsd:pain " xmlns :xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <urn2:cstmrcdttrfinitn> <urn2:grphdr> <urn2:msgid>messageidcred</urn2:msgid> <urn2:credttm> t16:00:00.000z</urn2:credttm> <urn2:nbftxs>1</urn2:nbftxs> <urn2:initgpty> <urn2:nm>cmpany C</urn2:Nm> </urn2:initgpty> </urn2:grphdr> <urn2:pmtinf> <urn2:pmtinfid>tetsty</urn2:pmtinfid> <urn2:pmtmtd>trf</urn2:pmtmtd> <urn2:btchbookg>false</urn2:btchbookg> <urn2:reqdexctndt> </urn2:reqdexctndt> <urn2:dbtr> <urn2:nm>cmpany C </urn2:nm> <urn2:pstladr> <urn2:ctry>pl</urn2:ctry> <urn2:adrline>kwiatowa 15</urn2:AdrLine> <urn2:adrline> Warszawa</urn2:AdrLine> </urn2:pstladr> </urn2:dbtr> <urn2:dbtracct> <urn2:iban>hu </urn2:iban> </urn2:dbtracct> <urn2:dbtragt> 36

37 <urn2:fininstnid> <urn2:bic>ingbhuhbxxx</urn2:bic> </urn2:fininstnid> </urn2:dbtragt> <urn2:cdttrftxinf> <urn2:pmtid> <urn2:endtoendid>trans003</urn2:endtoendid> </urn2:pmtid> <urn2:amt> <urn2:instdamt Ccy="USD">1.00</urn2:InstdAmt> </urn2:amt> <urn2:chrgbr>cred</urn2:chrgbr> <urn2:cdtragt> <urn2:fininstnid> <urn2:bic>ingbplpw</urn2:bic> </urn2:fininstnid> </urn2:cdtragt> <urn2:cdtr> <urn2:nm>cmpany YXZ</urn2:Nm> <urn2:pstladr> <urn2:ctry>pl</urn2:ctry> <urn2:adrline>kwiatowa 15</urn2:AdrLine> <urn2:adrline> Warszawa</urn2:AdrLine> </urn2:pstladr> </urn2:cdtr> <urn2:cdtracct> <urn2:thr> </urn2:thr> </urn2:cdtracct> <urn2:purp> <urn2:cd>chqb</urn2:cd> </urn2:purp> <urn2:rmtinf> <urn2:ustrd>order details</urn2:ustrd> </urn2:rmtinf> </urn2:cdttrftxinf> </urn2:pmtinf> </urn2:cstmrcdttrfinitn> </urn2:document> 6. MT101 DEBT order <urn2:document xmlns:urn2="urn:iso:std:iso:20022:tech:xsd:pain " xmlns :xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <urn2:cstmrcdttrfinitn> <urn2:grphdr> <urn2:msgid>messageiddebt</urn2:msgid> <urn2:credttm> t16:00:00.000z</urn2:credttm> <urn2:nbftxs>1</urn2:nbftxs> <urn2:initgpty> <urn2:nm>cmpany C</urn2:Nm> </urn2:initgpty> </urn2:grphdr> <urn2:pmtinf> <urn2:pmtinfid>testy</urn2:pmtinfid> 37

38 <urn2:pmtmtd>trf</urn2:pmtmtd> <urn2:btchbookg>false</urn2:btchbookg> <urn2:reqdexctndt> </urn2:reqdexctndt> <urn2:dbtr> <urn2:nm>cmpany C </urn2:nm> <urn2:pstladr> <urn2:ctry>pl</urn2:ctry> <urn2:adrline>kwiatowa 15</urn2:AdrLine> <urn2:adrline> Warszawa</urn2:AdrLine> </urn2:pstladr> </urn2:dbtr> <urn2:dbtracct> <urn2:thr> </urn2:thr> </urn2:dbtracct> <urn2:dbtragt> <urn2:fininstnid> <urn2:bic>ingbnl2axxx</urn2:bic> </urn2:fininstnid> </urn2:dbtragt> <urn2:cdttrftxinf> <urn2:pmtid> <urn2:endtoendid>trans003</urn2:endtoendid> </urn2:pmtid> <urn2:amt> <urn2:instdamt Ccy="EUR">1.00</urn2:InstdAmt> </urn2:amt> <urn2:chrgbr>debt</urn2:chrgbr> <urn2:cdtragt> <urn2:fininstnid> <urn2:bic>ingbplpw</urn2:bic> </urn2:fininstnid> </urn2:cdtragt> <urn2:cdtr> <urn2:nm>company XYZ</urn2:Nm> <urn2:pstladr> <urn2:ctry>pl</urn2:ctry> <urn2:adrline>kwiatowa 15</urn2:AdrLine> <urn2:adrline> Warszawa</urn2:AdrLine> </urn2:pstladr> </urn2:cdtr> <urn2:cdtracct> <urn2:thr> </urn2:thr> </urn2:cdtracct> <urn2:purp> <urn2:cd>chqb</urn2:cd> </urn2:purp> <urn2:rmtinf> <urn2:ustrd>order details</urn2:ustrd> </urn2:rmtinf> </urn2:cdttrftxinf> </urn2:pmtinf> </urn2:cstmrcdttrfinitn> </urn2:document> 38

39 7. MT101 SHAR order <urn2:document xmlns:urn2="urn:iso:std:iso:20022:tech:xsd:pain " xmlns :xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <urn2:cstmrcdttrfinitn> <urn2:grphdr> <urn2:msgid>messageidshar</urn2:msgid> <urn2:credttm> t16:00:00.000z</urn2:credttm> <urn2:nbftxs>1</urn2:nbftxs> <urn2:initgpty> <urn2:nm>cmpany C</urn2:Nm> </urn2:initgpty> </urn2:grphdr> <urn2:pmtinf> <urn2:pmtinfid>testy</urn2:pmtinfid> <urn2:pmtmtd>trf</urn2:pmtmtd> <urn2:btchbookg>false</urn2:btchbookg> <urn2:reqdexctndt> </urn2:reqdexctndt> <urn2:dbtr> <urn2:nm>cmpany C </urn2:nm> <urn2:pstladr> <urn2:ctry>pl</urn2:ctry> <urn2:adrline>kwiatowa 15</urn2:AdrLine> <urn2:adrline> Warszawa</urn2:AdrLine> </urn2:pstladr> </urn2:dbtr> <urn2:dbtracct> <urn2:thr> </urn2:thr> </urn2:dbtracct> <urn2:dbtragt> <urn2:fininstnid> <urn2:bic>ingbnl2axxx</urn2:bic> </urn2:fininstnid> </urn2:dbtragt> <urn2:cdttrftxinf> <urn2:pmtid> <urn2:endtoendid>trans003</urn2:endtoendid> </urn2:pmtid> <urn2:amt> <urn2:instdamt Ccy="EUR">1.00</urn2:InstdAmt> </urn2:amt> <urn2:chrgbr>shar</urn2:chrgbr> <urn2:cdtragt> <urn2:fininstnid> <urn2:bic>ingbplpw</urn2:bic> </urn2:fininstnid> </urn2:cdtragt> <urn2:cdtr> <urn2:nm>company XYZ</urn2:Nm> <urn2:pstladr> <urn2:ctry>pl</urn2:ctry> <urn2:adrline>kwiatowa 15</urn2:AdrLine> <urn2:adrline> Warszawa</urn2:AdrLine> 39

40 </urn2:pstladr> </urn2:cdtr> <urn2:cdtracct> <urn2:thr> </urn2:thr> </urn2:cdtracct> <urn2:purp> <urn2:cd>chqb</urn2:cd> </urn2:purp> <urn2:rmtinf> <urn2:ustrd>order details</urn2:ustrd> </urn2:rmtinf> </urn2:cdttrftxinf> </urn2:pmtinf> </urn2:cstmrcdttrfinitn> </urn2:document> 8. Payroll batch <urn2:document xmlns:urn2="urn:iso:std:iso:20022:tech:xsd:pain " xmlns :xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <urn2:cstmrcdttrfinitn> <urn2:grphdr> <urn2:msgid>placowa</urn2:msgid> <urn2:credttm> t00:00: :00</urn2:credttm> <urn2:nbftxs>2</urn2:nbftxs> <urn2:ctrlsum>1</urn2:ctrlsum> <urn2:initgpty> <urn2:rgid> <urn2:thr> </urn2:thr> </urn2:rgid> <urn2:nm>cmpany C</urn2:Nm> </urn2:initgpty> </urn2:grphdr> <urn2:pmtinf> <urn2:pmtinfid>lek000001pmtinfid00001</urn2:pmtinfid> <urn2:reqdexctndt> </urn2:reqdexctndt> <urn2:pmtmtd>trf</urn2:pmtmtd> <urn2:btchbookg>false</urn2:btchbookg> <urn2:nbftxs>2</urn2:nbftxs> <urn2:dbtr> <urn2:nm>cmpany C</urn2:Nm> </urn2:dbtr> <urn2:dbtracct> <urn2:iban>pl </urn2:iban> </urn2:dbtracct> <urn2:dbtragt> <urn2:fininstnid> <urn2:clrsysmmbid> 40

41 <urn2:mmbid> </urn2:mmbid> </urn2:clrsysmmbid> </urn2:fininstnid> </urn2:dbtragt> <urn2:cdttrftxinf> <urn2:pmtid> <urn2:endtoendid>test of characters</urn2:endtoendid> </urn2:pmtid> <urn2:pmttpinf> <urn2:instrprty>high</urn2:instrprty> </urn2:pmttpinf> <urn2:amt> <urn2:instdamt Ccy="PLN">3.00</urn2:InstdAmt> </urn2:amt> <urn2:cdtragt> <urn2:fininstnid> <urn2:clrsysmmbid> <urn2:mmbid> </urn2:mmbid> </urn2:clrsysmmbid> </urn2:fininstnid> </urn2:cdtragt> <urn2:cdtr> <urn2:nm>adam Testowy</urn2:Nm> <urn2:pstladr> <urn2:ctry>pl</urn2:ctry> <urn2:adrline>ul. Romańska</urn2:AdrLine> <urn2:adrline>gdańsk</urn2:adrline> </urn2:pstladr> </urn2:cdtr> <urn2:cdtracct> <urn2:iban>pl </urn2:iban> </urn2:cdtracct> <urn2:instrfordbtragt>payment</urn2:instrfordbtragt> <urn2:rmtinf> <urn2:ustrd>test import xmldfsda fasdfsda33 dsad fd fsdfsdfsda </urn2:ustrd> </urn2:rmtinf> </urn2:cdttrftxinf> <urn2:cdttrftxinf> <urn2:pmtid> <urn2:endtoendid/> </urn2:pmtid> <urn2:pmttpinf> <urn2:instrprty>nrm</urn2:instrprty> </urn2:pmttpinf> <urn2:amt> <urn2:instdamt Ccy="PLN">3.00</urn2:InstdAmt> </urn2:amt> <urn2:cdtragt> <urn2:fininstnid> <urn2:clrsysmmbid> <urn2:mmbid> </urn2:mmbid> </urn2:clrsysmmbid> </urn2:fininstnid> </urn2:cdtragt> <urn2:cdtr> <urn2:nm>adam testowy</urn2:nm> <urn2:pstladr> 41

42 <urn2:ctry>pl</urn2:ctry> <urn2:adrline>ul. Romańska</urn2:AdrLine> <urn2:adrline>gdańsk</urn2:adrline> </urn2:pstladr> </urn2:cdtr> <urn2:cdtracct> <urn2:iban>pl </urn2:iban> </urn2:cdtracct> <urn2:instrfordbtragt>payment</urn2:instrfordbtragt> <urn2:rmtinf> <urn2:ustrd>test import xml</urn2:ustrd> </urn2:rmtinf> </urn2:cdttrftxinf> </urn2:pmtinf> </urn2:cstmrcdttrfinitn> </urn2:document> 9. Simple batch <urn2:document xmlns:urn2="urn:iso:std:iso:20022:tech:xsd:pain " xmlns :xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <urn2:cstmrcdttrfinitn> <urn2:grphdr> <urn2:msgid>simple</urn2:msgid> <urn2:credttm> t00:00: :00</urn2:credttm> <urn2:nbftxs>2</urn2:nbftxs> <urn2:ctrlsum>1</urn2:ctrlsum> <urn2:initgpty> <urn2:rgid> <urn2:thr> </urn2:thr> </urn2:rgid> <urn2:nm>cmpany C</urn2:Nm> </urn2:initgpty> </urn2:grphdr> <urn2:pmtinf> <urn2:pmtinfid>lek000001pmtinfid00001</urn2:pmtinfid> <urn2:reqdexctndt> </urn2:reqdexctndt> <urn2:pmtmtd>trf</urn2:pmtmtd> <urn2:btchbookg>false</urn2:btchbookg> <urn2:nbftxs>2</urn2:nbftxs> <urn2:dbtr> <urn2:nm>cmpany C</urn2:Nm> </urn2:dbtr> <urn2:dbtracct> <urn2:iban>pl </urn2:iban> </urn2:dbtracct> <urn2:dbtragt> <urn2:fininstnid> <urn2:clrsysmmbid> <urn2:mmbid> </urn2:mmbid> 42

43 </urn2:clrsysmmbid> </urn2:fininstnid> </urn2:dbtragt> <urn2:cdttrftxinf> <urn2:pmtid> <urn2:endtoendid>test of characters</urn2:endtoendid> </urn2:pmtid> <urn2:pmttpinf> <urn2:instrprty>high</urn2:instrprty> </urn2:pmttpinf> <urn2:amt> <urn2:instdamt Ccy="PLN">3.00</urn2:InstdAmt> </urn2:amt> <urn2:cdtragt> <urn2:fininstnid> <urn2:clrsysmmbid> <urn2:mmbid> </urn2:mmbid> </urn2:clrsysmmbid> </urn2:fininstnid> </urn2:cdtragt> <urn2:cdtr> <urn2:nm>adam Testowy</urn2:Nm> <urn2:pstladr> <urn2:ctry>pl</urn2:ctry> <urn2:adrline>ul. Romańska</urn2:AdrLine> <urn2:adrline>gdańsk</urn2:adrline> </urn2:pstladr> </urn2:cdtr> <urn2:cdtracct> <urn2:iban>pl </urn2:iban> </urn2:cdtracct> <urn2:instrfordbtragt>straight</urn2:instrfordbtragt> <urn2:rmtinf> <urn2:ustrd> Test import xmldfsda fasdfsda33 dsad fd fsdfsdfsda </urn2:ustrd> </urn2:rmtinf> </urn2:cdttrftxinf> <urn2:cdttrftxinf> <urn2:pmtid> <urn2:endtoendid/> </urn2:pmtid> <urn2:pmttpinf> <urn2:instrprty>nrm</urn2:instrprty> </urn2:pmttpinf> <urn2:amt> <urn2:instdamt Ccy="PLN">3.00</urn2:InstdAmt> </urn2:amt> <urn2:cdtragt> <urn2:fininstnid> <urn2:clrsysmmbid> <urn2:mmbid> </urn2:mmbid> </urn2:clrsysmmbid> </urn2:fininstnid> </urn2:cdtragt> <urn2:cdtr> <urn2:nm>adam Testowy</urn2:Nm> <urn2:pstladr> 43

44 <urn2:ctry>pl</urn2:ctry> <urn2:adrline>ul. Romańska</urn2:AdrLine> <urn2:adrline>gdańsk</urn2:adrline> </urn2:pstladr> </urn2:cdtr> <urn2:cdtracct> <urn2:iban>pl </urn2:iban> </urn2:cdtracct> <urn2:instrfordbtragt>straight</urn2:instrfordbtragt> <urn2:rmtinf> <urn2:ustrd>test import xml</urn2:ustrd> </urn2:rmtinf> </urn2:cdttrftxinf> </urn2:pmtinf> </urn2:cstmrcdttrfinitn> </urn2:document> 10. SEPA order <urn2:document xmlns:urn2="urn:iso:std:iso:20022:tech:xsd:pain " xmlns :xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <urn2:cstmrcdttrfinitn> <urn2:grphdr> <urn2:msgid>cdcsepa559</urn2:msgid> <urn2:credttm> t00:00: :00</urn2:credttm> <urn2:nbftxs>1</urn2:nbftxs> <urn2:initgpty> <urn2:nm>cmpany C</urn2:Nm> </urn2:initgpty> </urn2:grphdr> <urn2:pmtinf> <urn2:pmtinfid> </urn2:pmtinfid> <urn2:pmtmtd>trf</urn2:pmtmtd> <urn2:reqdexctndt> </urn2:reqdexctndt> <urn2:dbtr> <urn2:nm>debtor name</urn2:nm> <urn2:pstladr> <urn2:ctry>pl</urn2:ctry> <urn2:adrline>julianowska</urn2:adrline> <urn2:adrline> Kutno</urn2:AdrLine> </urn2:pstladr> </urn2:dbtr> <urn2:dbtracct> <urn2:iban>pl </urn2:iban> </urn2:dbtracct> <urn2:dbtragt> <urn2:fininstnid> <urn2:bic>ingbplpw</urn2:bic> </urn2:fininstnid> </urn2:dbtragt> <urn2:chrgsacct> <urn2:thr>

45 </urn2:thr> </urn2:chrgsacct> <urn2:cdttrftxinf> <urn2:pmtid> <urn2:endtoendid>xyz111/111</urn2:endtoendid> </urn2:pmtid> <urn2:pmttpinf> <urn2:svclvl> <urn2:cd>sepa</urn2:cd> </urn2:svclvl> </urn2:pmttpinf> <urn2:amt> <urn2:instdamt Ccy="EUR">999.99</urn2:InstdAmt> </urn2:amt> <urn2:chrgbr>shar</urn2:chrgbr> <urn2:cdtragt> <urn2:fininstnid> <urn2:bic>budahuhbxxx</urn2:bic> </urn2:fininstnid> </urn2:cdtragt> <urn2:cdtr> <urn2:nm>deutschland GmbH</urn2:Nm> <urn2:pstladr> <urn2:ctry>hu</urn2:ctry> <urn2:adrline>d Herrsching</urn2:AdrLine> </urn2:pstladr> </urn2:cdtr> <urn2:cdtracct> <urn2:iban>hu </urn2:iban> </urn2:cdtracct> <urn2:rmtinf> <urn2:ustrd>tytul ZLECENIA</urn2:Ustrd> </urn2:rmtinf> </urn2:cdttrftxinf> </urn2:pmtinf> </urn2:cstmrcdttrfinitn> </urn2:document> 11. Foreign order high <urn2:document xmlns:urn2="urn:iso:std:iso:20022:tech:xsd:pain " xmlns :xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <urn2:cstmrcdttrfinitn> <urn2:grphdr> <urn2:msgid>nowa </urn2:msgid> <urn2:credttm> t16:00:00.000z</urn2:credttm> <urn2:nbftxs>1</urn2:nbftxs> <urn2:initgpty> <urn2:nm>cmpany C</urn2:Nm> </urn2:initgpty> </urn2:grphdr> <urn2:pmtinf> <urn2:pmtinfid>111111</urn2:pmtinfid> <urn2:pmtmtd>trf</urn2:pmtmtd> <urn2:reqdexctndt> </urn2:reqdexctndt> 45

46 46 <urn2:dbtr> <urn2:nm>debtor name</urn2:nm> </urn2:dbtr> <urn2:dbtracct> <urn2:iban>pl </urn2:iban> </urn2:dbtracct> <urn2:dbtragt> <urn2:fininstnid> <urn2:bic>ingbplpwxxx</urn2:bic> </urn2:fininstnid> </urn2:dbtragt> <urn2:chrgsacct> <urn2:thr> </urn2:thr> </urn2:chrgsacct> <urn2:cdttrftxinf> <urn2:pmtid> <urn2:endtoendid>xyz111/111</urn2:endtoendid> </urn2:pmtid> <urn2:pmttpinf> <urn2:instrprty>high</urn2:instrprty> <urn2:svclvl> <urn2:cd>sdva</urn2:cd> </urn2:svclvl> </urn2:pmttpinf> <urn2:amt> <urn2:instdamt Ccy="EUR">1.00</urn2:InstdAmt> </urn2:amt> <urn2:chrgbr>shar</urn2:chrgbr> <urn2:cdtragt> <urn2:fininstnid> <urn2:bic>dresdeff200</urn2:bic> </urn2:fininstnid> </urn2:cdtragt> <urn2:cdtr> <urn2:nm>deutschland GmbH</urn2:Nm> <urn2:pstladr> <urn2:ctry>de</urn2:ctry> <urn2:adrline>aaaaaaaaaa</urn2:adrline> </urn2:pstladr> </urn2:cdtr> <urn2:cdtracct> <urn2:iban>de </urn2:iban> </urn2:cdtracct> <urn2:instrfordbtragt> CNTACT_TELECM="Jan </urn2:instrfordbtragt> <urn2:rmtinf> <urn2:ustrd>bez polskich znakow</urn2:ustrd> </urn2:rmtinf> </urn2:cdttrftxinf> </urn2:pmtinf> </urn2:cstmrcdttrfinitn> </urn2:document>

47 12. Foreign order norm <urn2:document xmlns:urn2="urn:iso:std:iso:20022:tech:xsd:pain " xmlns :xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <urn2:cstmrcdttrfinitn> <urn2:grphdr> <urn2:msgid>22222fsdfsda</urn2:msgid> <urn2:credttm> t16:00:00.000z</urn2:credttm> <urn2:nbftxs>1</urn2:nbftxs> <urn2:initgpty> <urn2:nm>cmpany C</urn2:Nm> </urn2:initgpty> </urn2:grphdr> <urn2:pmtinf> <urn2:pmtinfid>111111</urn2:pmtinfid> <urn2:pmtmtd>trf</urn2:pmtmtd> <urn2:reqdexctndt> </urn2:reqdexctndt> <urn2:dbtr> <urn2:nm>debtor name</urn2:nm> </urn2:dbtr> <urn2:dbtracct> <urn2:iban>pl </urn2:iban> </urn2:dbtracct> <urn2:dbtragt> <urn2:fininstnid> <urn2:bic>ingbplpwxxx</urn2:bic> </urn2:fininstnid> </urn2:dbtragt> <urn2:chrgsacct> <urn2:thr> </urn2:thr> </urn2:chrgsacct> <urn2:cdttrftxinf> <urn2:pmtid> <urn2:endtoendid>xyz111/111</urn2:endtoendid> </urn2:pmtid> <urn2:pmttpinf> <urn2:instrprty>nrm</urn2:instrprty> <urn2:svclvl> <urn2:cd>prpt</urn2:cd> </urn2:svclvl> </urn2:pmttpinf> <urn2:amt> <urn2:instdamt Ccy="EUR">1.00</urn2:InstdAmt> </urn2:amt> <urn2:chrgbr>shar</urn2:chrgbr> <urn2:cdtragt> <urn2:fininstnid> <urn2:bic>dresdeff200</urn2:bic> </urn2:fininstnid> </urn2:cdtragt> <urn2:cdtr> <urn2:nm>deutschland GmbH</urn2:Nm> <urn2:pstladr> 47

48 <urn2:ctry>de</urn2:ctry> <urn2:adrline>aaaaaaaaaa</urn2:adrline> </urn2:pstladr> </urn2:cdtr> <urn2:cdtracct> <urn2:iban>de </urn2:iban> </urn2:cdtracct> <urn2:instrfordbtragt> CNTACT_TELECM="Jan </urn2:instrfordbtragt> <urn2:rmtinf> <urn2:ustrd>bez polskich znakow</urn2:ustrd> </urn2:rmtinf> </urn2:cdttrftxinf> </urn2:pmtinf> </urn2:cstmrcdttrfinitn> </urn2:document> 48