Danske Bank Guideline to payments in ISO XML format (pain )
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1 Danske Bank Guideline to payments in ISO XML format (pain ) This document describes how to distinguish between the variety of payments supported by Danske Bank using ISO XML CustomerCreditTransferInitiation (pain ) based on recommendations and country specific recommendations in Denmark, Norway and Finland. Please note that Swedish payment types are implemented based on Danske Bank interpretation due to the fact that no country specific recommendations have been published yet. The table below only serves to distinguish between the several types of payments supported by Danske Bank. In addition to the tags mentioned other required tags must be filled in too. For a full list of supported tags please see the document Danske Bank MIG - ISO XML CustomerCreditTransferInitiation (pain ) Page 1 of 209
2 Contents Change log... 4 Danish payment types... 7 Norwegian payment types...12 Swedish payment types...14 Finnish payment types...17 German payment types...19 English payment types...20 Irish payment types...21 Polish payment types...22 Foreign payment types...24 Notes...28 Denmark sample files...31 Norway sample files...73 Sweden sample files...93 Finland sample files Germany sample files Great Britain sample files Ireland sample files Poland sample files Foreign payment types sample files Page 2 of 209
3 Page 3 of 209
4 Change log Version Date Change Document created Various typos are corrected. Tags listed for all cheque or cash payment types now include 2.79 Cdtr name and address. All Norwegian sample files updated to comply with BSK implementation guide. Tag 2.80:1.1.6 Prty is removed from Norwegian account transfer KID reference. Norwegian account transfer invoice added. Tag 2.61 DlvrTo is removed from Norwegian cash payment. All Finnish sample files updated. Tags listed in Finnish account transfer structured message have changed (2.106 Issr has been removed and Cd has been added). OCR is removed from Finnish account transfer OCR reference and Finnish express account transfer OCR reference. Example of Finnish account transfer multiple occurrences of structured message added. Finnish account transfer tax message changed to Finnish account transfer supplementary tax payment and tags changed (2.123 Cd, Ref and AddtlRmtInf have been removed and 2.99 Ustrd including text has been added). Finnish account transfer Repetitive payment changed to Repetitive payment using Danske Bank Rep. payments register (Cross border) and tag 2.87 Cd added. (Only Denmark) added to Foreign cheque - Cheque to be collected in branch. address added to Foreign cheque - Cheque to be sent to beneficiary. All Transfer from account abroad sample files updated. Example file for Foreign account transfer - SEPA transfer added. Financial/treasury transfers - Capital payment (only Finland) sample file updated. Page 4 of 209
5 Only one occurrence of KID reference supported is removed from Norwegian account transfer KID reference. Only one occurrence of invoice supported is removed from Norwegian account transfer invoice. Danske Bank supports multiple occurrences of structured message. If both Cd, Ref, Cd, Nb are filled in in one structured message then Cd and Ref will be ignored. Please see example of multiple occurrences of KID reference and invoice, including use of Cd for credit notes and use of RfrdDocAmt is added to Norwegian account transfer KID reference and invoice <Prtry> Short message for creditor (Max. 18 char) is replaced by 2.99 <Ustrd> Unstructured advice for creditor (Max. 140 char) in Irish account transfer External payment, Irish account transfer Internal payment and Irish account transfer EFTS payment. Sample files are updated accordingly In 2013 there will be some changes in the clearing of Danish account transfers. 18 th August 2013: Phasing out: Danish account transfer: Immediate advice, letter to beneficiary 6 th November 2013: Phasing out: Danish account transfer: Short-form advice, entry text on account statement Danish account transfer: Long-form advice, enclosed with next account statement Introducing: Danish account transfer: Standard transfer (night clearing) Danish account transfer: Same-day transfer (day clearing) If you continue to use the phased out payment types after August 18 th and November 6 th 2013, Danske Bank will not reject the payments but simply transform them into Standard transfers with short form and/or long form advice st November a new Danish account transfer Express and two new references are introduced. The following Danish payment types including sample files are added: Standard transfer with RF Creditor reference Page 5 of 209
6 Same-day transfer with RF Creditor reference Express transfer with advice Express transfer with RF Creditor reference EasyAccount replaced with NemKonto EFTS payment type and example are removed from Irish payment types CdtrAcct updated for domestic Finnish payment types to require IBAN for creditor account for SEPA payments. Sample files are updated accordingly Danish cheque, Norwegian cash payment, Swedish cash payment and account transfer long-form advice updated to specify PstCd details Removed Long-form advice Bankgiro transfers as this is not supported. Removed CdtrAgt from Danish Cheque example Additional info updated for payment type Transfer from account abroad (MT101) Additional info updated for payment types Danish Salary Norwegian Salary Swedish Salary Finnish Salary Page 6 of 209
7 Payment type Special usage of tags Example file Additional Info Danish payment types Danish cheque / <PmtMtd> <DlvrTo> or <Cdtr> <Ustrd> 'CHK' Name and address (PstCd (4 char) and TwnNm in structured form) Unstructured advice for creditor (Max char) link Domestic cheques are always crossed and sent to creditor PstCd must be valid Danish account transfer Standard transfer with advice <PmtMtd> <Prtry> <Ustrd> 'TRF' Short message for creditor (Max. 20 char) Unstructured advice for creditor (Max char) link End-to-end reference can be used in Danish account transfers and will be sent to beneficiary Standard transfer with RF Creditor reference <PmtMtd> <Cd> <Cd> <Ref> 'TRF' SCOR ISO RF Creditor reference (ISO 11649) (Max. 25 char) link Same-day transfer with advice / <PmtMtd> <Cd> <Prtry> <Ustrd> 'TRF' 'SDCL' Short message for creditor (Max. 20 char) Unstructured advice for creditor (Max char) link Page 7 of 209
8 Payment type Special usage of tags Example file Danish account Same-day 2.2 <PmtMtd> 'TRF' transfer transfer with 2.12/2.37 <Cd> 'SDCL' RF Creditor <Cd> SCOR reference <Cd> ISO link <Ref> RF Creditor reference (ISO 11649) (Max. 25 char) Danish inpayment form Express Transfer with advice Express Transfer with RF Creditor reference / / / / Type : : <PmtMtd> <Cd> <Cd> <Prty> <Ustrd> <PmtMtd> <Cd> <Cd> <Cd> <Cd> <Ref> <PmtMtd> <Prtry> <Ustrd> <Cd> <Ref> 'TRF' URGP SDCL Short message for creditor (Max. 20 char) Unstructured advice for creditor (Max char) 'TRF' URGP SDCL SCOR ISO RF Creditor reference (ISO 11649) (Max. 25 char) 'TRF' Danish GIRO Number 7-8 digits 'OCR' Unstructured advice for creditor (Max. 945 char) 'SCOR' '01/' link link link Additional Info Page 8 of 209
9 Payment type Special usage of tags Example file Danish inpayment Type <PmtMtd> 'TRF' form 2.80:1.1.3 Danish GIRO Number 7-8 digits 2.80:1.1.6 <Prtry> 'OCR' <Cd> 'SCOR' link <Ref> '04/NNNNNNNN' (NNNNNNNNN is max. 16 char) Type : : Type : : Type : : <PmtMtd> <Prtry> <Cd> <Ref> PmtMtd> <Prtry> <Ustrd> <Cd> <Ref> <PmtMtd> <Prtry> <Cd> <Ref> 'TRF' Danish GIRO Number 7-8 digits 'OCR' 'SCOR' '15/NNNNNNNNN' (NNNNNNNNN is max. 16 char) 'TRF' Danish GIRO Number 7-8 digits 'OCR' Unstructured advice for creditor (Max. 945 char) 'SCOR' '41/NNNNNNNNN' (NNNNNNNNN is max. 10 char) 'TRF' Creditor Number 7-8 digits 'OCR' 'SCOR' 71/NNNNNNNNN' (NNNNNNNNN is max. 15 char) link link link Additional Info Page 9 of 209
10 Danish inpayment form Payment type Special usage of tags Example file Type <PmtMtd> 2.80: :1.1.6 <Prtry> 2.99 <Ustrd> link Type : : Danish salary / 2.40 <Cd> <Ref> <PmtMtd> <Prtry> <Ustrd> <Cd> <Ref> <PmtMtd> <Cd> 'TRF' Creditor Number 7-8 digits 'OCR' Unstructured advice for creditor (Max char) 'SCOR' '73/' 'TRF' Creditor Number 7-8 digits 'OCR' Unstructured advice for creditor (Max char) 'SCOR' '75/NNNNNNNNN' (NNNNNNNNN is max. 16 char) 'TRF' 'SALA' link link Additional Info Danish account transfer with restricted advice "Lønoverførsel" (=Salary) to the creditor. Transfer to accounts within Danske Bank is for disposal the next banking day (neutral disposal). Salary payment can be confidential please see example Page 10 of 209
11 NemKonto payment NemKonto payment Payment type Special usage of tags Example file NemKonto 2.2 <PmtMtd> payment 2.80:1.1.3 (CPR) NemKonto payment (CVR) NemKonto payment (CVR with P- unit number) NemKonto payment (CVR with SE number) NemKonto payment (SE number) 2.80: : : : : : : : :1.1.6 <Prtry> <PmtMtd> <Prtry> <PmtMtd> <Prtry> <PmtMtd> <Prtry> <PmtMtd> <Prtry> 2.2 = 'TRF' Social security number (CPR) NNNNNNNNNN 'NKC' 'TRF' Central business registration number (CVR) NNNNNNNN 'NKV' 'TRF' Central business registration number (CVR with P-unit number) NNNNNNNN/NNNNNNNNNN 'NKP' 'TRF' Central business registration number (CVR with SE number) NNNNNNNN/NNNNNNNN 'NKR' 'TRF' SE number NNNNNNNN 'NKS' link link link link link Additional Info Danish account transfer using a private or business ID as beneficiary s account number. See Danish account transfers for supported advice. For more information about NemKonto transfers please see information on Danske Bank s website. Page 11 of 209
12 Payment type Special usage of tags Example file Additional Info Norwegian payment types Norwegian salary / 2.40 <PmtMtd> <Cd> 'TRF' 'SALA' link Salary payment can be confidential please see example Norwegian account transfer Short-form advice <PmtMtd> <Prtry> 'TRF' Short message for creditor (Max. 27 char) link Long-form advice <PmtMtd> <Prtry> <Ustrd> 'TRF' Short message for creditor (Max. 27 char) Unstructured advice for creditor (Max char) link Page 12 of 209
13 Norwegian account transfer Payment type Special usage of tags Example file KID reference 2.2 <PmtMtd> <Cd> <Ref> link Invoice <PmtMtd> <Cd> <Nb> <RltdDt> TRF SCOR KID reference (Max. 25 char) TRF CINV Invoice number Invoice date Additional Info Danske Bank supports multiple occurrences of structured message. If both Cd, Ref, Cd, Nb are filled in in one structured message then Cd and Ref will be ignored link Please see example of multiple occurrences of KID reference and invoice, including use of Cd for credit notes and use of RfrdDocAmt Norwegian cash payment <PmtMtd> <Cdtr> <Ustrd> CHK Name and address (PstCd (4 char) and TwnNm in structured form) Unstructured advice for creditor (Max char) link PstCd must be valid Page 13 of 209
14 Payment type Special usage of tags Example file Additional Info Swedish payment types Please note that Swedish payments are implemented based on Danske Bank interpretation due to the fact that no country specific recommendations have been published yet. Swedish salary / 2.40 Swedish account transfer Short-form advice 2.20: : <PmtMtd> <Cd> <Prtry> <PmtMtd> <Prtry> 'TRF' 'SALA' If debtor account is BANKGIRO BANKGIRO number BGNR 'TRF' Short message for creditor (Max. 12 char) link link Swedish account transfer with restricted advice "Lön" (=Salary) to the creditor. Transfer to accounts within Danske Bank is for disposal the next banking day (neutral disposal). Salary payment can be confidential please see example For transfers between own or intra-group accounts in the bank, 20 characters are available. Page 14 of 209
15 Swedish account transfer Swedish cash payment Swedish Bankgiro transfer Swedish PlusGiro transfer Payment type Special usage of tags Example file Long-form 2.2 <PmtMtd> advice 2.88 <Prtry> Text reference OCR reference Text reference / : : : : : : <Cdtr> <Ustrd> <PmtMtd> <DlvrTo>or <Cdtr> <Ustrd> <PmtMtd> <Prtry> <Prtry> <PmtMtd> <Prtry> <Cd> <Ref> <PmtMtd> <Cd> <Prtry> 'TRF' Short message for creditor (Max. 20 char) or Name and address (PstCd (5 char) and TwnNm in structured form) and Unstructured advice for creditor (Max. 525 char) CHK Name and address (PstCd (5 char) and TwnNm in structured form) Unstructured advice for creditor (Max. 525 char) TRF BankGiro number 7-8 digits BGNR Short message for creditor (Max. 25 char) TRF BankGiro number 7-8 digits BGNR SCOR OCR reference (25 char) TRF PlusGiro number 2-8 digits BBAN Short message for creditor (Max. 25 char) link link link link link Additional Info If both 2.88 <Prtry> and 2.99 <Ustrd> are filled in then 2.88 <Prtry> is ignored PstCd must be valid PstCd must be valid Page 15 of 209
16 Swedish PlusGiro transfer Swedish PlusGiro transfer Swedish PlusGiro sweeping transfer Payment type Special usage of tags Example file Long-form advice OCR reference : : : : : : <PmtMtd> <Cd> <Ustrd> <PmtMtd> <Cd> <Cd> <Ref> <PmtMtd> <Cd> <CdtrAcct> TRF PlusGiro number 2-8 digits BBAN Unstructured advice for creditor (Max. 10 x 35 char) TRF PlusGiro number 2-8 digits BBAN SCOR OCR reference (25 char) TRF PlusGiro number 2-8 digits BBAN Creditor account must be stated as IBAN or BBAN link link link Additional Info Page 16 of 209
17 Payment type Special usage of tags Example file Additional Info Finnish payment types Finnish salary / : <PmtMtd> <Cd> <IBAN> <Cd> TRF SALA Creditor account in IBAN format Purpose code link Salary payment can be confidential please see example Finnish account transfer Unstructured message : <PmtMtd> <IBAN> <Ustrd> TRF Creditor account in IBAN format Unstructured advice for creditor (Max. 140 char) link Structured message : Reference : <PmtMtd> <IBAN> <Cd> <Nb> <RltdDt> <PmtMtd> <IBAN> <Cd> <Ref> TRF Creditor account in IBAN format CINV Invoice number Invoice date TRF Creditor account in IBAN format SCOR Reference (max. 20 char or ISO reference max. 21 char) link link Danske Bank support occurrences of structured message. Please see note concerning KATESIIRTO Please see example of multiple occurrences of structured message. Supplementary tax payment / : <PmtMtd> <Cd> <IBAN> <Ustrd> TRF TAXS Creditor account in IBAN format Unstructured advice formatted in a special way. E.g. "10=21/21= /30=1212/". (Max. 140 char) link Page 17 of 209
18 Finnish account transfer Payment type Special usage of tags Example file Money order 2.2 <PmtMtd> 2.79 <Cdtr> Repetitive payment using Danske Bank Rep. payments register (Cross border) 2.80: / : : <Ustrd> <PmtMtd> <Cd> <InstdAmt> <BIC> <Cd> TRF Name and address (PstCd and TwnNm in structured form) FI Unstructured advice for creditor (Max. 140 char) TRF SALA EUR DABAFIHH FIxx811111xxxxxxxx Purpose code link link Additional Info 'xxxxxxxx' constitutes a code that will be mapped internally to an account number. The value must be agreed with the Bank beforehand. Finnish express account transfer Unstructured message / : <PmtMtd> <Cd> <Ustrd> TRF URGP Creditor account in IBAN format Unstructured advice for creditor (Max. 140 char) link Reference / : <PmtMtd> <Cd> <Cd> <Ref> TRF URGP Creditor account in IBAN format SCOR Reference (max. 20 char or ISO reference max. 21 char) link Page 18 of 209
19 Payment type Special usage of tags Example file Additional Info German payment types German account transfer Ordinary payment <PmtMtd> <Ustrd> 'TRF' Unstructured advice for creditor (Max. 140 char) link Express payment / <PmtMtd> <Cd> <Ustrd> 'TRF' 'URGP' Unstructured advice for creditor (Max. 140 char) link Internal payment / <PmtMtd> <Cd> <Ustrd> 'TRF' 'INTC' Unstructured advice for creditor (Max. 140 char) link Intracompany payment German cheque <PmtMtd> <Cd> <Cdtr> <Ustrd> 'CHK' 'MLCD' Name and address Unstructured advice for creditor (Max. 140 char) link Page 19 of 209
20 Payment type Special usage of tags Example file Additional Info English payment types English account transfer Faster payment <PmtMtd> <Prtry> 'TRF' Short message for creditor (Max. 18 char) link CHAPS payment / <PmtMtd> <Cd> <Ustrd> 'TRF' 'URGP' Unstructured advice for creditor (Max. 140 char) link For transfers between own or intra-group accounts in the bank, only 18 characters are available. Internal payment / <PmtMtd> <Cd> <Prtry> 'TRF' 'INTC' Short message for creditor (Max. 18 char) link Intracompany payment Indirect BACS : <PmtMtd> <Prtry> 'TRF' BACS ID - 6 digits Short message for creditor (Max. 18 char) link Page 20 of 209
21 Payment type Special usage of tags Example file Additional Info Irish payment types Irish account transfer External payment <PmtMtd> <Ustrd> 'TRF' Unstructured advice for creditor (Max. 140 char) link Same day domestic payment / <PmtMtd> <Cd> <Ustrd> 'TRF' 'URGP' Unstructured advice for creditor (Max. 140 char) link Internal payment / <PmtMtd> <Cd> <Ustrd> 'TRF' 'INTC' Unstructured advice for creditor (Max. 140 char) link Intracompany payment Page 21 of 209
22 Payment type Special usage of tags Example file Additional Info Polish payment types Polish account transfer Payment with details : : <PmtMtd> <Cd> <MmbId> <Ustrd> 'TRF' PLKNR BankIdentifier 8 digits Unstructured advice for creditor (Max. 140 char) link Payment without details : :6.1.6 <PmtMtd> <Cd> <MmbId> 'TRF' PLKNR BankIdentifier 8 digits link ZUS - insurance / : : <PmtMtd> <Cd> <Cd> <MmbId> <Ustrd> 'TRF' 'SECU' PLKNR BankIdentifier 8 digits See note link US - tax / : : <PmtMtd> <Cd> <Cd> <MmbId> <Ustrd> 'TRF' 'TAXS' PLKNR BankIdentifier 8 digits See note link Polish express account transfer Payment with details / : : <PmtMtd> <Cd> <Cd> <MmbId> <Ustrd> 'TRF' 'URGP' PLKNR BankIdentifier 8 digits Unstructured advice for creditor (Max. 140 char) link Page 22 of 209
23 Payment type Special usage of tags Example file Polish express Payment 2.2 <PmtMtd> 'TRF' account transfer without 2.9 / 2.34 <Cd> 'URGP' details 2.77:6.1.4 <Cd> PLKNR link 2.77:6.1.6 <MmbId> BankIdentifier 8 digits Additional Info Please note that Polish payment types cannot be approved manually in Business Online after being sent to Danske Bank. In order to be executed the Polish payments must be approved by a user who has the appropriate user rights according to the Business Online agreement before leaving the customers site. Page 23 of 209
24 Payment type Special usage of tags Example file Additional Info Foreign payment types Foreign cheque Cheque to be sent to account holder Cheque to be collected in branch (Only Denmark) / / <PmtMtd> <Cd> <DlvrTo>or/ <Cdtr> <PmtMtd> <Cd> <DlvrTo> or <Cdtr> <PrtLctn> 'CHK' 'MLDB' Name and country code of receiver must be specified. 'CHK' PUDB' Name and country code of receiver must be specified. Sort code of branch link link For instructing a crossed cheque, state CROSSED in 2.66 <FrmsCd> Cheque to be sent to beneficiary / 2.79 <PmtMtd> <Cd> <DlvrTo> or <Cdtr> 'CHK' 'MLCD' Name, address and country code of receiver must be specified. link Page 24 of 209
25 Transfer from account abroad (MT101) Payment type Special usage of tags Example file Transfer to own account Regular transfer Urgent transfer Domestic salary transfer Domestic cheque / : : / : / : : <PmtMtd> <Cd> <BIC> <Ustrd> <PmtMtd> <BIC> <Ustrd> <PmtMtd> <Cd> <BIC> <Ustrd> <PmtMtd> <Cd> <BIC> <Ustrd> <PmtMtd> <BIC> <Cdtr> <Ustrd> TRF INTC BIC of debtor agent Unstructured advice for creditor (Max. 1x140 char) TRF BIC of debtor agent Unstructured advice for creditor (Max. 1x140 char) TRF URGP BIC of debtor agent Unstructured advice for creditor (Max. 1x140 char) TRF SALA BIC of debtor agent Unstructured advice for creditor (Max. 1x140 char) CHK BIC of debtor agent Name and address Unstructured advice for creditor (Max. 1x140 char) link link link link link Additional Info These payment types can be used for initiating transfers from accounts held with Danske Bank in the Baltic countries, Danske Bank, Russia and from accounts held with foreign banks. The following tags under <Strd> can be used too: 2.107<Nb> 2.108<RltdDt> 2.126<Ref> <Ref> can only contain up to 30 characters as it is prefixed with /RFB/ <Ustrd> will overwrite <Strd> if both tags are used. Page 25 of 209
26 Transfer from account abroad (MT101) Foreign account transfer Financial/treasury transfers Payment type Special usage of tags Example file Foreign cheque Ordinary transfer Express transfer Group transfer Nationalbank transfer (only Denmark) Riksbank transfer (only Sweden) : / / / / <PmtMtd> <BIC> <Cd> <Cdtr> <Ustrd> <PmtMtd> <Ustrd> <PmtMtd> <Cd> <Ustrd> <PmtMtd> <Cd> <Ustrd> <PmtMtd> <Cd> <InstrForDbtrAgt> <Ustrd> <PmtMtd> <Cd> <InstrForDbtrAgt> <Ustrd> CHK BIC of debtor agent MLCD Name and address Unstructured advice for creditor (Max. 1x140 char) TRF Unstructured advice for creditor (Max 140 char) TRF URGP Unstructured advice for creditor (Max 140 char) TRF INTC Unstructured advice for creditor (Max 140 char) TRF URGP NATIONALBANK OVERFØRSEL Unstructured advice for creditor (Max 140 char) TRF URGP RIKSBANK BETALING Unstructured advice for creditor (Max 140 char) link link link link link link Additional Info Special rules apply to this payment type. Please contact Support Direct. Special rules apply to this payment type. Please contact Support Direct. Page 26 of 209
27 Financial/treasury transfers Payment type Special usage of tags Example file Capital 2.2 <PmtMtd> payment (only 2.9 / 2.34 <Cd> Finland) 2.99 <Ustrd> link Financial payment (all countries) 2.15 / <Cd> <InstdAmt Ccy> <IntrmyAgt1> <CdtrAgt> <CdtrAgtAcct> <Cdtr> <Ustrd> TRF SDVA Unstructured advice for creditor (Max 140 char) CORT or TREA Currency of instructed amount Name and BIC of correspondent bank Name and BIC of creditor agent Creditor agent account in correspondent bank Name of creditor Unstructured advice for creditor (Max. 140 char) link Additional Info Special rules apply to this payment type. Please contact Support Direct. Special rules apply to this payment type. Please contact Support Direct. Page 27 of 209
28 Notes CategoryPurpose These CategoryPurpose code are supported in 2.15 / 2.40 <Cd>: CORT Transaction is related to settlement of a trade, e.g. a foreign exchange deal or a securities transaction INTC - Transaction is an intra-company payment, i.e. a payment between two companies belonging to the same group PENS- Transaction is the payment of pension SALA - Transaction is the payment of salaries SECU - Transaction is the payment of securities SSBE - Transaction is a social security benefit, ie payment made by a government to support individuals SUPP - Transaction is related to a payment to a supplier TAXS - Transaction is the payment of taxes TREA - Transaction is related to treasury operations. E.g. financial contract settlement Polish ZUS insurance payment Unstructured Remittance Information must be formatted this way ( 3 occurences of 2.99 Ustrd ) Field Status Format Data Occurrence no. (Ustrd) NIP company no. M 10 n NIP 1 Type of supplementary identity document M 1 a P Pesel R Regon 1 Identity card 2 Passport 2 Page 28 of 209
29 Supplementary identity doc. M 14 a Supplementary identity document. Rightajusted and filled with blanks up to 14 characters 2 Type of payment M 1 a S payment for 1 month period only D additional fee E execution K payment after control M payment for period longer than 1 month T postponing the deadline U partial payment 3 Period M M 6 n 2 n Type of payment = D: Type of payment = E: numeric Other types: Month covered by the payment YYYYMM Type of payment = E: 00 Type of payment = K: 99 Other types: Number of declaration. 3 3 Polish US tax payment Unstructured remittance information must be formatted this way (4 occurrences of 2.99 Ustrd) : Field Status Format Code Data Occurrence no. (Ustrd) Type of supplementary identity document M 1 a /TI/ Type of supplementary identity document can have one of following values: N NIP P Pesel R Regon 1 Page 29 of 209
30 Supplementary identity doc. Period covered by the payment 1 Identity card 2 Passport. M 14 a Supplementary identity document. Right-adjusted filled with blanks up to 14 characters M 7 a /OKR/ Format: YYQXXXXX Where Q is a qualifier, that gives meaning to the next four characters (X) M = Month (01 12), e.g. 95M09 P = Half year (01 02), e.g. 96P01 R = (empty) e.g. 97R K = Quarter (01 04) e.g. 98K03 D = Decade and month (01 03 and 01 12) e.g. 99D0211 (Decade is a period of 10 days in a month) 1 2 Symbol of the form or reason of payment M 6 a /SFP/ Code supplied by public authority 3 O 21 a /TXT/ Additional details in free format 4 KATESIIRTO (only Finland) A Speed-up agreement on a Finnish account can be avoided by entering the word KATESIIRTO in 2.99 Ustrd. Page 30 of 209
31 File Examples Denmark sample files Danish cheque <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MsgId</MsgId> <CreDtTm> T12:49:35</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <OrgId> Initiating Party Id <Cd>BANK</Cd> </OrgId> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PmtInfId</PmtInfId> <PmtMtd>CHK</PmtMtd> <PmtTpInf> <LclInstrm> <Prtry>CII</Prtry> </LclInstrm> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Debtor</Nm> <Ctry>DK</Ctry> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </DbtrAgt> <CdtTrfTxInf> <PmtId> Page 31 of 209
32 <InstrId>DK cheque</instrid> <EndToEndId>EndToEndId</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">1.00</InstdAmt> </Amt> <ChqInstr> <ChqTp>BCHQ</ChqTp> </ChqInstr> <Cdtr> <Nm>Danske Bank</Nm> <StrtNm>Holmens Kanal</StrtNm> <BldgNb>2-12</BldgNb> <PstCd>1092</PstCd> <TwnNm>København K</TwnNm> <Ctry>DK</Ctry> </Cdtr> <RmtInf> <Ustrd>CHK LIN 1...END</Ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 32 of 209
33 Danish account transfer - Standard transfer with advice <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MsgId</MsgId> <CreDtTm> T12:49:35</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <OrgId> Initiating Party Id <Cd>BANK</Cd> </OrgId> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PmtInfId</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Debtor</Nm> <Ctry>DK</Ctry> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>DK acc. trf. Standard transfer</instrid> <EndToEndId>EndToEndId</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">1.00</InstdAmt> Page 33 of 209
34 </Amt> <CdtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </CdtrAgt> <Cdtr> <Nm>Creditor</Nm> <Ctry>DK</Ctry> </Cdtr> <CdtrAcct> <Cd>BBAN</Cd> </CdtrAcct> <Purp> <Prtry>20 char short advice</prtry> </Purp> <RmtInf> <Ustrd>LIN 1...END</Ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 34 of 209
35 Danish account transfer - Standard transfer with RF Creditor reference <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MsgId</MsgId> <CreDtTm> T12:49:35</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <OrgId> Initiating Party Id <Cd>BANK</Cd> </OrgId> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PmtInfId</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Debtor</Nm> <Ctry>DK</Ctry> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>DK acc. trf. Standard transfer</instrid> <EndToEndId>EndToEndId</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">1.00</InstdAmt> Page 35 of 209
36 </Amt> <CdtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </CdtrAgt> <Cdtr> <Nm>Creditor</Nm> <Ctry>DK</Ctry> </Cdtr> <CdtrAcct> <Cd>BBAN</Cd> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> <Issr>ISO</Issr> </Tp> <Ref>RF </Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 36 of 209
37 Danish account transfer Same-day transfer with advice <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>813270</MsgId> <CreDtTm> T12:49:35</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <OrgId> Initiating Party Id <Cd>BANK</Cd> </OrgId> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PmtInfId</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> <LclInstrm> <Cd>SDCL</Cd> </LclInstrm> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Debtor</Nm> <Ctry>DK</Ctry> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>DK acc.trf. Same-day transfer</instrid> <EndToEndId> </EndToEndId> Page 37 of 209
38 </PmtId> <Amt> <InstdAmt Ccy="DKK">1.00</InstdAmt> </Amt> <CdtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </CdtrAgt> <Cdtr> <Nm>Creditor</Nm> <Ctry>DK</Ctry> </Cdtr> <CdtrAcct> <Cd>BBAN</Cd> </CdtrAcct> <Purp> <Prtry>20 char short advice</prtry> </Purp> <RmtInf> <Ustrd>LIN 1...END</Ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 38 of 209
39 Danish account transfer Same-day transfer with RF Creditor reference <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MsgId</MsgId> <CreDtTm> T12:49:35</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <OrgId> Initiating Party Id <Cd>BANK</Cd> </OrgId> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PmtInfId</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> <LclInstrm> <Cd>SDCL</Cd> </LclInstrm> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Debtor</Nm> <Ctry>DK</Ctry> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>DK acc. trf. Same-day transfer</instrid> <EndToEndId>EndToEndId</EndToEndId> Page 39 of 209
40 </PmtId> <Amt> <InstdAmt Ccy="DKK">1.00</InstdAmt> </Amt> <CdtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </CdtrAgt> <Cdtr> <Nm>Creditor</Nm> <Ctry>DK</Ctry> </Cdtr> <CdtrAcct> <Cd>BBAN</Cd> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> <Issr>ISO</Issr> </Tp> <Ref>RF </Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 40 of 209
41 Danish account transfer Express transfer with advice <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MsgId</MsgId> <CreDtTm> T12:49:35</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <OrgId> Initiating Party Id <Cd>BANK</Cd> </OrgId> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PmtInfId</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <SvcLvl> <Cd>URGP</Cd> </SvcLvl> <LclInstrm> <Cd>SDCL</Cd> </LclInstrm> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Debtor</Nm> <Ctry>DK</Ctry> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>DK acc. trf. Express transfer</instrid> <EndToEndId>EndToEndId</EndToEndId> Page 41 of 209
42 </PmtId> <Amt> <InstdAmt Ccy="DKK">1.00</InstdAmt> </Amt> <CdtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </CdtrAgt> <Cdtr> <Nm>Creditor</Nm> <Ctry>DK</Ctry> </Cdtr> <CdtrAcct> <Cd>BBAN</Cd> </CdtrAcct> <Purp> <Prtry>20 char short advice</prtry> </Purp> <RmtInf> <Ustrd>LIN 1...END</Ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 42 of 209
43 Danish account transfer Express transfer with RF Creditor reference <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MsgId</MsgId> <CreDtTm> T12:49:35</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <OrgId> Initiating Party Id <Cd>BANK</Cd> </OrgId> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PmtInfId</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <SvcLvl> <Cd>URGP</Cd> </SvcLvl> <LclInstrm> <Cd>SDCL</Cd> </LclInstrm> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Debtor</Nm> <Ctry>DK</Ctry> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>DK acc. trf. Express transfer</instrid> <EndToEndId>EndToEndId</EndToEndId> Page 43 of 209
44 </PmtId> <Amt> <InstdAmt Ccy="DKK">1.00</InstdAmt> </Amt> <CdtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </CdtrAgt> <Cdtr> <Nm>Creditor</Nm> <Ctry>DK</Ctry> </Cdtr> <CdtrAcct> <Cd>BBAN</Cd> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> <Issr>ISO</Issr> </Tp> <Ref>RF </Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 44 of 209
45 Danish inpayment form - Type 01 <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MsgId</MsgId> <CreDtTm> T12:49:35</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <OrgId> Initiating Party Id <Cd>BANK</Cd> </OrgId> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PmtInfId</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Debtor</Nm> <Ctry>DK</Ctry> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>DK inpayment form IK01</InstrId> <EndToEndId>EndToEndId</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">1.00</InstdAmt> Page 45 of 209
46 </Amt> <CdtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </CdtrAgt> <Cdtr> <Nm>Creditor</Nm> <Ctry>DK</Ctry> </Cdtr> <CdtrAcct> <Prtry>OCR</Prtry> </CdtrAcct> <RmtInf> <Ustrd>IK01 LIN 1...END</Ustrd> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>01/</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 46 of 209
47 Danish inpayment form - Type 04 <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MsgId</MsgId> <CreDtTm> T12:49:35</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <OrgId> Initiating Party Id <Cd>BANK</Cd> </OrgId> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PmtInfId</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Debtor</Nm> <Ctry>DK</Ctry> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>DK inpayment form IK04</InstrId> <EndToEndId>EndToEndId</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">1.00</InstdAmt> Page 47 of 209
48 </Amt> <CdtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </CdtrAgt> <Cdtr> <Nm>Creditor</Nm> <Ctry>DK</Ctry> </Cdtr> <CdtrAcct> <Prtry>OCR</Prtry> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>04/ </Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 48 of 209
49 Danish inpayment form - Type 15 <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MsgId</MsgId> <CreDtTm> T12:49:35</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <OrgId> Initiating Party Id <Cd>BANK</Cd> </OrgId> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PmtInfId</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Debtor</Nm> <Ctry>DK</Ctry> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>DK inpayment form IK15</InstrId> <EndToEndId>EndToEndId</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">1.00</InstdAmt> Page 49 of 209
50 </Amt> <CdtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </CdtrAgt> <Cdtr> <Nm>Creditor</Nm> <Ctry>DK</Ctry> </Cdtr> <CdtrAcct> <Prtry>OCR</Prtry> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>15/ </Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 50 of 209
51 Danish inpayment form - Type 41 <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MsgId</MsgId> <CreDtTm> T12:49:35</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <OrgId> Initiating Party Id <Cd>BANK</Cd> </OrgId> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PmtInfId</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Debtor</Nm> <Ctry>DK</Ctry> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>DK inpayment form IK41</InstrId> <EndToEndId>EndToEndId</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">1.00</InstdAmt> Page 51 of 209
52 </Amt> <CdtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </CdtrAgt> <Cdtr> <Nm>Creditor</Nm> <Ctry>DK</Ctry> </Cdtr> <CdtrAcct> <Prtry>OCR</Prtry> </CdtrAcct> <RmtInf> <Ustrd>IK41 LIN 1...END</Ustrd> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>41/ </Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 52 of 209
53 Danish inpayment form - Type 71 <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MsgId</MsgId> <CreDtTm> T12:49:35</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <OrgId> Initiating Party Id <Cd>BANK</Cd> </OrgId> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PmtInfId</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Debtor</Nm> <Ctry>DK</Ctry> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>DK inpayment form IK71</InstrId> <EndToEndId>EndToEndId</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">1.00</InstdAmt> Page 53 of 209
54 </Amt> <CdtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </CdtrAgt> <Cdtr> <Nm>Creditor</Nm> <Ctry>DK</Ctry> </Cdtr> <CdtrAcct> <Prtry>OCR</Prtry> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>71/ </Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 54 of 209
55 Danish inpayment form - Type 73 <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MsgId</MsgId> <CreDtTm> T12:49:35</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <OrgId> Initiating Party Id <Cd>BANK</Cd> </OrgId> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PmtInfId</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Debtor</Nm> <Ctry>DK</Ctry> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>DK inpayment form IK73</InstrId> <EndToEndId>EndToEndId</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">1.00</InstdAmt> Page 55 of 209
56 </Amt> <CdtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </CdtrAgt> <Cdtr> <Nm>Creditor</Nm> <Ctry>DK</Ctry> </Cdtr> <CdtrAcct> <Prtry>OCR</Prtry> </CdtrAcct> <RmtInf> <Ustrd>IK73 LIN 1...END</Ustrd> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>73/</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 56 of 209
57 Danish inpayment form - Type 75 <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MsgId</MsgId> <CreDtTm> T12:49:35</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <OrgId> Initiating Party Id <Cd>BANK</Cd> </OrgId> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PmtInfId</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Debtor</Nm> <Ctry>DK</Ctry> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>DK inpayment form IK75</InstrId> <EndToEndId>EndToEndId</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">1.00</InstdAmt> Page 57 of 209
58 </Amt> <CdtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </CdtrAgt> <Cdtr> <Nm>Creditor</Nm> <Ctry>DK</Ctry> </Cdtr> <CdtrAcct> <Prtry>OCR</Prtry> </CdtrAcct> <RmtInf> <Ustrd>IK75 LIN 1...END</Ustrd> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>75/ </Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 58 of 209
59 Danish salary <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MsgId</MsgId> <CreDtTm> T12:49:35</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <OrgId> Initiating Party Id <Cd>BANK</Cd> </OrgId> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PmtInfId</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> <CtgyPurp> <Cd>SALA</Cd> </CtgyPurp> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Debtor</Nm> <Ctry>DK</Ctry> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>DK salary payment</instrid> <EndToEndId>EndToEndId</EndToEndId> Page 59 of 209
60 </PmtId> <Amt> <InstdAmt Ccy="DKK">1.00</InstdAmt> </Amt> <CdtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </CdtrAgt> <Cdtr> <Nm>Creditor</Nm> <Ctry>DK</Ctry> </Cdtr> <CdtrAcct> <Cd>BBAN</Cd> </CdtrAcct> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 60 of 209
61 Danish salary confidential <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MsgId</MsgId> <CreDtTm> T12:49:35</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <OrgId> Initiating Party Id <Cd>BANK</Cd> </OrgId> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PmtInfId</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> <CtgyPurp> <Prtry>CONF</Prtry> </CtgyPurp> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Debtor</Nm> <Ctry>DK</Ctry> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>DK salary payment</instrid> <EndToEndId>EndToEndId</EndToEndId> Page 61 of 209
62 </PmtId> <PmtTpInf> <CtgyPurp> <Cd>SALA</Cd> </CtgyPurp> </PmtTpInf> <Amt> <InstdAmt Ccy="DKK">1.00</InstdAmt> </Amt> <CdtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </CdtrAgt> <Cdtr> <Nm>Creditor</Nm> <Ctry>DK</Ctry> </Cdtr> <CdtrAcct> <Cd>BBAN</Cd> </CdtrAcct> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 62 of 209
63 NemKonto - CPR <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MsgId</MsgId> <CreDtTm> T12:49:35</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <OrgId> Initiating Party Id <Cd>BANK</Cd> </OrgId> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PmtInfId</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Business Online 1</Nm> <Ctry>DK</Ctry> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>DK NemKonto payment for CPR number</instrid> <EndToEndId>EndToEndId</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">1.00</InstdAmt> Page 63 of 209
64 </Amt> <CdtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </CdtrAgt> <Cdtr> <Nm>Creditor</Nm> <Ctry>DK</Ctry> </Cdtr> <CdtrAcct> <Prtry>NKC</Prtry> </CdtrAcct> <Purp> <Prtry>20 char short advice</prtry> </Purp> <RmtInf> <Ustrd>Unstructured remittance information</ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 64 of 209
65 NemKonto - CVR <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MsgId</MsgId> <CreDtTm> T12:49:35</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <OrgId> Initiating Party Id <Cd>BANK</Cd> </OrgId> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PmtInfId</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Business Online 1</Nm> <Ctry>DK</Ctry> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <BIC>DABADKKK</BIC> <Ctry>DK</Ctry> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>DK NemKonto payment for CVR number</instrid> <EndToEndId>EndToEndId</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">1.00</InstdAmt> Page 65 of 209
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