Danske Bank Guideline to payments in SWIFT MT101 format

Transcription

1 Danske Bank Guideline to payments in SWIFT MT101 format This document describes how to distinguish between the variety of payments supported by Danske Bank using MT101 SWIFT format. 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. Danske Bank Group has implemented the MT 101 as per the SWIFT User Handbook. There are certain fields, however, that Danske Bank Group does not process and if completed, Danske Bank will ignore but still process the remaining fields and message. Danske Bank accepts single and multiple payment orders. Payment Services Directive: BEN: All transaction charges, including the charges of the financial institution servicing the ordering customer's account, for the subsequent credit transfer(s) are to be borne by the beneficiary customer. Will as of 1 November 2009 only be valid for transfers in other currencies than the EU/EEA currencies or transfers to countries outside EU/EEA. OUR: All transaction charges for the subsequent credit transfer are to be paid by the ordering customer. Will as of 1 November 2009 only be applicable for EU/EEA currencies/countries provided it involves a currency conversion. Danske Bank follows interbank best practices Article 52.2 of the 'Guidance for implementation of the Payment Services Directive' by the PSD Industry Expert Group. SHA: All transaction charges other than the charges of the financial institution servicing the ordering customer account are borne by the beneficiary customer. Using a wrong code will result in a rejection of the transfer. As to Estonia and Lithuania: In case of domestic payment field 71A is ignored. Version Page 1 of 52

2 Contents Payment Services Directive:... 1 Change log... 3 Danish payment types... 4 Norwegian payment types... 8 Swedish payment types... 9 Finnish payment types German payment types English payment types Irish payment types Polish payment types Notes: File examples: Danish payment types Norwegian payment types Swedish payment types Finnish payment types German payment types English payment types Irish payment types Polish payment types Foreign payments Version Page 2 of 52

3 Change log Version Date Change Document created Added regon number to ZUS under notes. Added information about modules 10 and 11 in KID payments under Norweigian account transfers th March 2015: Introduction of a new Danish account transfer Express transfer and the option to use RF Creditor reference and End-to-end reference in Danish account transfers. Added Danish account transfer - Express to Danish payment types Added RF Creditor reference and End-to-end reference to Danish account transfer (Standard, Same-day and Express) Added note about End-to-end reference Changes to Swedish Plusgirot payments, examples and guidelines updates Changes as of 16 th March 2015 are not implemented and Supported payment types and examples is updated accordingly. Removed Danish account transfer - Express from Danish payment types Removed RF Creditor reference and End-to-end reference from Danish account transfer (Standard, Same-day and Express) Removed from note about End-to-end reference th November 2015: Introduction of a new Danish account transfer Express transfer and the option to use RF Creditor reference and End-to-end reference in Danish account transfers. Added Danish account transfer - Express to Danish payment types Added RF Creditor reference and End-to-end reference to Danish account transfer (Standard, Same-day and Express) Added note about End-to-end reference Updated examples for Bankgiro- and account transfers in Sweden Updated Additional Info for Danish account transfer, Express Version Page 3 of 52

4 Comment added to Polish payment types and change added to Polish Tax payment (US) Field Payment type Special usage of tags Example file Additional Info Danish payment types Danish cheque CHQB: Danske will issue a cheque to be sent to the beneficiary. Only domestic cheques/cheques in local currency Last address line in field 59 must start with postal area code, and not with country code or name of country. Danish account transfer Standard transfer with advice information OTHR/DMST Advice (max 4 x 35 char) IBAN: 18 characters Account with Danske Bank, Denmark: 10 digits (or 14 digits, if sort code is included). Standard transfer with RF Creditor ref. information OTHR/DMST RF Creditor reference (max 25 char) Creditor reference must be on the first line without any characters preceding it, and it must be the only information on that line Giro Accounts with Danske Bank: 7-8 digits (or sort code 1234 and zero filled up to 14 digits, e.g ). Version Page 4 of 52

5 Payment type Special usage of tags Example file Sameday transfer with advice information OTHR/SDCL Advice (max 4 x 35 char) Additional Info Please see Notes for use of End-to-end reference Danish account transfer Sameday transfer with RF Creditor ref. information OTHR/SDCL RF Creditor reference (max 25 char) Creditor reference must be on the first line without any characters preceding it, and it must be the only information on that line Express transfer with advice information URGP Advice (max 4 x 35 char) Express transfers (URGP): Payments bigger than DKK will be rejected Payments must be sent on the same day as execution day Express Transfer with RF Creditor ref. information URGP RF Creditor reference (max 25 char) Creditor reference must be on the first line without any characters preceding it, and it must be the only information on that line Version Page 5 of 52

6 Payment type Special usage of tags Example file Danish inpay ment form Type Beneficiary OTHR/tt tt=01 Danish GIRO Number 7-8 digits Unstructured advice for creditor Additional Info Danish inpayment form Type Beneficiary Unfilled +ttpppppppppppppp+cccccccc The bottom of an inpayment card/giro form consists of an OCR reference having a format like +tt<pppppppppppppp+ cccccccc< If field is filled with an inpayment card type other than mentioned Danske Bank will reject the payment. Danish inpayment form Type Beneficiary Unfilled +ttpppppppppppppp+cccccccc Version Page 6 of 52

7 Payment type Special usage of tags Example file Danish inpayment form Type Beneficiary OTHR/tt tt=41 Danish GIRO Number 7-8 digits Unstructured advice for creditor Additional Info Danish inpayment form Type Beneficiary Unfilled +ttpppppppppppppp+cccccccc Danish inpayment form Type Beneficiary Unfilled +ttpppppppppppppp+cccccccc Unstructured advice for creditor Danish inpayment form Type Beneficiary Unfilled +ttpppppppppppppp+cccccccc Unstructured advice for creditor Version Page 7 of 52

8 Payment type Special usage of tags Example file Additional Info Norwegian payment types Norwegian account transfer Shortform advice 59 Beneficiary OTHR/DMST Account number Short message for creditor (Max 20 char.) Account with Danske Bank NO: (11 characters). IBAN: 15 characters. Longform advice 59 Instruction Code Beneficiary OTHR/DMST Account number Unstructered advice for creditor KID reference 59 Instruction Code Beneficiary OTHR/DMST Account number KID reference must be either modulus 10 or 11. KID reference max. 25 digits. Can be preceded by KID KIDnnnnnnnnnnnnnnnnnnnnnnnnn Cash payment Instruction Code CHQB Last address line in field 59 must start with postal area code, and not with country code or name of country. Version Page 8 of 52

9 Payment type Special usage of tags Example file Additional Info Swedish payment types Swedish account transfers Shortform advice Account With Institution Beneficiary OTHR/DMST Option=A DABASESX Account number Beneficiary account number can be Swedish BBAN up to 11 digits or Swedish IBAN: 24 characters. Short message for creditor (Max 20 char.) Long form advice Account With Institution Beneficiary OTHR/DMST Option=A DABASESX Account number Unstructured advice for creditor Version Page 9 of 52

10 Payment type Special usage of tags Example file Shortform OTHR/DMST advice Swedish Bankgiro transfer 57a 59 Account with Institution Beneficiary Option=D Bankgirot, Sverige or Option=A BGABSESS Bankgiro number Additional Info Bankgiro number can be 7-8 digits. Short message for creditor (Max 20 char.) Longform advice 57a 59 Account with Institution Beneficiary OTHR/DMST Option=D Bankgirot, Sverige or Option=A BGABSESS Bankgiro number Unstructured advice for creditor Version Page 10 of 52

11 Payment type Special usage of tags Example file OCR OTHR/DMST Swedish Bankgiro transfer 57a 59 Account with Institution Beneficiary Option=D Bankgirot, Sverige or Option=A BGABSESS Bankgiro number Additional Info OCR reference to be keyed in field :maximum 25 digits. Can be preceded by OCR OCRnnnnnnnnnnnnnnnnnnnnnnnnn Swedish Plusgiro transfer Shortform advice 57 Account With Institution OTHR/DMST Option=D Postgiro, Sverige, Postgirot, Sverige, PLUSGIRO, Sverige or PLUSGIROT, Sverige Option=A PGSISESS PlusGiro number can be 2-8 digits. 59 Beneficiary Plusgirot number Short message for creditor (Max 20 char.) Version Page 11 of 52

12 Payment type Special usage of tags Example file Longform OTHR/DMST advice Swedish Plusgiro transfer Account With Institution Beneficiary Option=D Postgiro, Sverige, Postgirot, Sverige, PLUSGIRO, Sverige or PLUSGIROT, Sverige Option=A PGSISESS Plusgirot number Additional Info Unstructured advice for creditor OCR 57 Account With Institution OTHR/DMST Option=D Postgiro, Sverige, Postgirot, Sverige, PLUSGIRO, Sverige or PLUSGIROT, Sverige Option=A PGSISESS OCR reference to be keyed in field :maximum 25 digits. Can be preceded by OCR 59 Beneficiary Plusgirot number OCRnnnnnnnnnnnnnnnnnnnnnnnnn Version Page 12 of 52

13 Payment type Special usage of tags Example file Swedish CHQB local cheque ( Kontantud betalning ) Additional Info Last address line in field 59 must start with postal area code, and not with country code or name of country Domestic transfers: The beneficiary will receive a separate advice via mail if information (appendix C) consists of more than 12 characters, and the beneficiary a/c is outside Danske Bank information (appendix C) consists of more than 21 characters, and the beneficiary a/c is within Danske Bank In all other cases the beneficiary will receive a short advice via the clearing. The address of beneficiary is not necessary. Version Page 13 of 52

14 Payment type Special usage of tags Example File Additional Info Finnish payment types Finnish account transfer Longform advice Reference payment OTHR/DMST: Domestic payment Unstructured advice for creditor OTHR/DMST: Domestic payment OCRnnnnnnnnnnnnnnnnnnnn Account with Danske Bank Plc or Helsinki Branch: 14 digits IBAN: 18 characters DABADKKK cannot be keyed in for domestic transfer to account held with Danske Bank Plc or Helsinki Branch. Otherwise it will be considered a crossborder transfer. Finnish express account transfer Longform advice URGP: Urgent payment Unstructured advice for creditor Reference payments must have a reference of maximum 20 digits (without blanks or - ). The reference can be preceded by OCR. Reference payment URGP: Urgent payment OCRnnnnnnnnnnnnnnnnnnnn Version Page 14 of 52

15 Payment type Special usage of tags Example file Additional Info German payment types German account transfer Ordinary payment OTHR/: When followed by a bilaterally agreed code. Unless bilaterally agreed Danske Bank will ignore all other codes. Unstructured advice for creditor Account with Danske Bank Germany up to 10 digits IBAN: 22 characters Express payment URGP Unstructured advice for creditor Internal payment INTC Unstructered advice for creditor Version Page 15 of 52

16 Payment type Special usage of tags Example file Additional Info English payment types English account transfer Faster payment 32B Currency/Transaction Amount OTHR/DMST or URGP < currently GBP Short message for creditor (Max 18 char.) Account with Danske Bank UK: 14 digits (the 8 digit account number must be preceded by the 6 digit sort code). IBAN: 22 characters. Beneficiary bank sort code is able to receive Faster Payments CHAPS payment URGP: Urgent payment or RTGS: Settlement via real time Unstructered advice for creditor Internal payment INTC Short message for creditor (Max 18 char.) Version Page 16 of 52

17 Payment type Special usage of tags Example file Indirect OTHR/BACS6!a BACS Short message for creditor (Max 18 char.) Additional Info 6!a is BACS Service User Number of the sender. The first BACS Service User Number found is used for all payments. Payments created with BACS Service User Number different from the first will be rejected. The earliest possible date is 2 banking days in the future Version Page 17 of 52

18 Payment type Special usage of tags Example file Additional Info Irish payment types Irish account transfer External payment OTHR/DMST: Domestic payment Short message for creditor (Max 18 char.) Account with Danske Bank,IE.:14 digits (the 8 digit account number must be preceded by the 6 digit sort code). IBAN: 22 characters Same day domestic payment URGP: Urgent payment Unstructered advice for creditor Internal payment INTC Short message for creditor (Max 18 char.) Version Page 18 of 52

19 Payment type Special usage of tags Example file Additional Info Polish payment types Polish account transfer Payment with details ZUS insurance US tax OTHR/DMST * Unstructured advice for creditor OTHR/ZUS See notes OTHR/US * See notes Account with Danske Bank, Poland: 10 characters. (Last 10 digits in IBAN format). IBAN: 28 characters. * Please note that instruction code regarding payments to tax authorities and customs authorities depends on the current regulations defined by Ministry of Finance. Polish express account transfer Payment with details 32B Currency/ Transaction Amount URGP PLN No conversion Payment must be received before on the bo ing date Unstructured advice for creditor Version Page 19 of 52

20 Payment type Special usage of tags Example file Additional Info Foreign payments Foreign account transfer Ordinary transfer 57A 59 Account with Institution Beneficiary OTHR/INTL or OTHR/INTERNATIONAL Option = A or D Valid BIC code IBAN number To achieve Straight Through Processing : Field 57A must contain a BIC code Field 59 must contain beneficiary s IBAN number (or account number if country does not have IBAN). If IBAN number is required, but not supplied in field 59, Danske Bank Group will charge accordingly. Optional code word if field 57 contains option A. Mandatory code word if field 57 contains option D. Express transfer Group transfer URGP INTC Version Page 20 of 52

21 Payment type Special usage of tags Example file Additional Info Foreign payments Financial/ treasury transfers National bank transfer (only Denmark) 32B Currency/Transact ion Amount RTGS or INTC Amount above DKK (amount must be in DKK, no conversion) Riksbank transfer (only Sweden) 59 32B Beneficiary Currency/Transaction Amount URGP Valid account number Amount above SEK (amount must be in SEK, no conversion Bankgirot or PlusGirot account numbers not allowded Financial payment (all countries) 56A 57A Beneficiary Account With Institution CORT Account number and Intermediary (cover) bank Correspondent banks BIC code (optinal to fill in) A settlement of a trade, e.g., foreign exchange deal or securities transaction. There is same day value on the debit and credit part of the transaction. (Rules not includet in Estonia, Lithuania and Latvia) Version Page 21 of 52

22 Notes: Polish ZUS insurance payment Field description Status Format Data Line no. NIP company number M 10 n NIP 1 Type of supplementary identity M 1 a P Pesel 2 document R Regon 1 Identity card 2 Passport Supplementary identity doc. M 14 a Supplementary identity document. Right-ajusted and filled 2 with blanks up to 14 chars. If Regon number is used, Danske Bank accept zeros (R ). Type of payment M 1 a S payment for 1 month period only 3 D additional fee E execution K payment after control M payment for period longer than 1 month T postponing the deadline U partial payment 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 Example: :: P S Version Page 22 of 52

23 Polish US tax payment Field description Status Format Code Data Line no. Type of supplementary identity M 1 a /TI/ Type of supplementary identity document can have 1 document Or TI/ one of following values: N NIP P Pesel R Regon 1 Identity card 2 Passport. Supplementary identity doc. M 14 a Supplementary identity document. Right-adjusted 1 filled with blanks up to 14 chars. Period covered by the payment M 7 a /OKR/ Format: YYQXXXXX 2 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). Symbol of the form or reason of M 6 a /SFP/ Code supplied by public authority 3 payment O 21a /TXT/ Additional details in free format 4 Example: ::/TI/N /OKR/03D0312 /SFP/PIT-5 /TXT/FREETEXT Danish account transfers Or ::TI/N /OKR/03D0312 /SFP/PIT-5 /TXT/FREETEXT Use of End-to-end reference : The reference has to be stated in Field and has a maximum length of 35 char Advice and reference must not exceed 4 x 35 char in total The reference must be stated in a separate line starting with /ROC/EREF/ If the reference exceeds 25 char two lines have to be used leaving only two lines for advice No advice must be stated after the reference Version Page 23 of 52

24 Version Page 24 of 52

25 File examples: Danish payment types Danish cheque {1:F01DABADKKKXXXX}{2:I101DABADKKKXXXXN}{4: :30: :21: Msg on senders acc ::CHQB :32B:DKK1,00 :50H:/ :57A:DABADKKK :59:/ Adress of beneficiary 6330 :: Unstructured message to beneficiary - Version Page 25 of 52

26 Danish standard transfer with advice {1:F01DABADKKKXXXX}{2:I101DABADKKKXXXXN}{4: :30: :21: Msg on senders acc :32B:DKK1,00 :50H:/DK :57A:SPNODK22XXX :59:/ Adress of beneficiary :: Unstructured message to beneficiary /ROC/EREF/EndToEndReference Danish standard transfer with RF Creditor reference {1:F01DABADKKKXXXX}{2:I101DABADKKKXXXXN}{4: :30: :21: Msg on senders acc :32B:DKK1,00 :50H:/DK :57A:SPNODK22XXX :59:/ Adress of beneficiary :: RF /ROC/EREF/EndToEndReference Version Page 26 of 52

27 Danish same day transfer with advice {1:F01DABADKKKXXXX}{2:I101DABADKKKXXXXN}{4: :30: :21: Msg on senders acc ::OTHR/SDCL :32B:DKK1,00 :50H:/DK :57A:SPNODK22XXX :59:/ Adress of beneficiary :: Unstructured message to beneficiary /ROC/EREF/EndToEndReference Danish same day transfer with RF Creditor reference {1:F01DABADKKKXXXX}{2:I101DABADKKKXXXXN}{4: :30: :21: Msg on senders acc ::OTHR/SDCL :32B:DKK1,00 :50H:/DK :57A:SPNODK22XXX :59:/ Adress of beneficiary ::RF /ROC/EREF/EndToEndReference Version Page 27 of 52

28 Danish Express transfer with advice {1:F01DABADKKKXXXX}{2:I101DABADKKKXXXXN}{4: :30: :21: Msg on senders acc ::URGP :32B:DKK1,00 :50H:/DK :57A:SPNODK22XXX :59:/ Adress of beneficiary :: Unstructured message to beneficiary /ROC/EREF/EndToEndReference Danish Express transfer with RF Creditor reference {1:F01DABADKKKXXXX}{2:I101DABADKKKXXXXN}{4: :30: :21: Msg on senders acc ::URGP :32B:DKK1,00 :50H:/DK :57A:SPNODK22XXX :59:/ Adress of beneficiary ::RF /ROC/EREF/EndToEndReference Version Page 28 of 52

29 Danish inpayment form (Type 01): {1:F01DABADKKKXXXX}{2:I101DABADKKKXXXXN}{4: :30: :21: Msg on senders acc ::OTHR/01 :32B:DKK1,00 :50H:/DK :59:/ Adress of beneficiary :: Unstructured message to beneficiary Danish inpayment form (Type 04): {1:F01DABADKKKXXXX}{2:I101DABADKKKXXXXN}{4: :30: :21: Msg on senders acc :32B:DKK1,00 :50H:/DK :59:/ Adress of beneficiary Version Page 29 of 52

30 Danish inpayment form (Type 15): {1:F01DABADKKKXXXX}{2:I101DABADKKKXXXXN}{4: :30: :21: Msg on senders acc :32B:DKK1,00 :50H:/DK :59:/ Adress of beneficiary Danish inpayment form (Type 41): {1:F01DABADKKKXXXX}{2:I101DABADKKKXXXXN}{4: :30: :21: Msg on senders acc ::OTHR/41 :32B:DKK1,00 :50H:/DK :59:/ Adress of beneficiary :: Unstructured message to beneficiary Version Page 30 of 52

31 Danish inpayment form (Type 71): {1:F01DABADKKKXXXX}{2:I101DABADKKKXXXXN}{4: :30: :21: Msg on senders acc :32B:DKK1,00 :50H:/DK :59:/ Adress of beneficiary Danish inpayment form (Type 73): {1:F01DABADKKKXXXX}{2:I101DABADKKKXXXXN}{4: :30: :21: Msg on senders acc :32B:DKK1,00 :50H:/DK :59:/ Adress of beneficiary :: Unstructured message to beneficiary Version Page 31 of 52

32 Danish inpayment form (Type 75): {1:F01DABADKKKXXXX}{2:I101DABADKKKXXXXN}{4: :30: :21: Msg on senders acc :32B:DKK1,00 :50H:/DK :59:/ Adress of beneficiary :: Unstructured message to beneficiary Version Page 32 of 52

33 Norwegian payment types Norwegian account transfer with short message to creditor {1:F01DABANO22XXXX}{2:I101DABANO22XXXXN}{4: :50H:/NO :30: ::OTHR/DMST :32B:NOK1,00 :57A:NDEANOKK :59:/NO ::Msg Max 20 char Norwegian account transfer with long advice to creditor {1:F01DABANO22XXXX}{2:I101DABADKKKXXXXN}{4: :50H:/NO :30: ::OTHR/DMST :32B:NOK1,00 :57A: NDEANOKK :59:/NO :: Unstructured message to beneficiary Version Page 33 of 52

34 Norwegian KID {1:F01DABANO22XXXX}{2:I101DABANO22XXXXN}{4: :OTHR/DMST :50H:/NO :30: :32B:NOK1,00 :57A:NDEANOKK :59:/NO ::KID Norwegian Cheque {1:F01DABANO22XXXX}{2:I101DABADKKKXXXXN}{4: :30: ::CHQB :32B:NOK1,00 :50H:/NO :57A:NDEANOKK :59: 2220 :: Unstructured message to beneficiary Version Page 34 of 52

35 Swedish payment types Swedish account transfer with short message to creditor {1:F01DABASESXXXXX}{2:I101DABASESXXXXXN}{4: :50H:/ :30: :21:Msg on sender acc ::OTHR/DMST :32B:SEK1,00 :57A:DABASESX :59:/ SAVSJO :: Msg Max 20char Swedish account transfer with long advice to creditor {1:F01DABASESXXXXX}{2:I101DABASESXXXXXN}{4: :50H:/ GJOVIK :30: :21:Msg on sender acc ::OTHR/DMST :32B:SEK1,00 :57A:DABASESX :59:/ ASEDA :: Unstructured message to beneficiary Version Page 35 of 52

36 Swedish Bankgiro transfer with short message to creditor {1:F01DABASESXXXXX}{2:I101BGABSESSXXXXN}{4: :50H:/ :30: ::OTHR/DMST :32B:SEK1,00 :21: Msg on sender acc :57A:BGABSESS :59:/ SAVSJO :: Msg Max20char Swedish Bankgiro transfer with long advice to creditor {1:F01DABASESXXXXX}{2:I101BGABSESSXXXXN}{4: :50H:/ :30: :21:Msg on sender acc :32B:SEK1,00 :57D:Bankgirot,Sverige :59:/ SAVSJO :: Unstructured message to beneficiary Version Page 36 of 52

37 Swedish Bankgiro transfer with OCR reference {1:F01DABASESXXXXX}{2:I101BGABSESSXXXXN}{4: :50H:/ :30: ::OTHR/DMST :32B:SEK1,00 :57A:BGABSESS :59:/ SAVSJO ::OCR Swedish PlusGiro transfer with short message to creditor {1:F01DABASESXXXXX}{2:I101NDEASESSXXXXN}{4: :50H:/ OSLO :30: ::OTHR/DMST :32B:SEK1,00 :57D:PLUSGIRO,Sverige :59:/ SAVSJO :: Msg Max20char Version Page 37 of 52

38 Swedish PlusGiro transfer with long advice to creditor {1:F01DABASESXXXXX}{2:I101NDEASESSXXXXN}{4: :50H:/ :30: ::OTHR/DMST :32B:SEK1,00 :57D:PLUSGIROT, Sverige :59:/ SAVSJO ::Message to beneficiary Swedish PlusGiro transfer with OCR reference {1:F01DABASESXXXXX}{2:I101NDEASESSXXXXN}{4: :50H:/ :30: ::OTHR/DMST :32B:SEK1,00 :57D:PLUSGIRO,Sverige :59:/ SAVSJO ::OCR Version Page 38 of 52

39 Swedish local cheque ( Kontantudbetalning ) {1:F01DABASESXXXXX}{2:I101NDEASESSXXXXN}{4: :50H:/ :30: :21:TRANSREF 4323 ::CHQB :32B:SEK1,00 :57A:DABASESS :59: SAVSJO :: Unstructured message to beneficiary Version Page 39 of 52

40 Finnish payment types Finnish account transfer with long-form advice {1:F01DABAFIHHXXXX}{2:I101DABAFIHHXXXXN}{4: :50H:/FI :30: ::OTHR/DMST :32B:EUR1,00 :57A:DABAFIHH DANSKE BANK HELSINKI :59:/FI :: Unstructured message to beneficiary Finnish account transfer reference payment {1:F01DABAFIHHXXXX}{2:I101DABAFIHHXXXXN}{4: :50H:/ :30: ::OTHR/DMST :32B:EUR1,00 :57A:DABAFIHH DANSKE BANK HELSINKI :59:/FI ::OCR Version Page 40 of 52

41 Finnish express account transfer with long-form advice {1:F01DABAFIHHXXXX}{2:I101DABAFIHHXXXXN}{4: :50H:/FI :30: ::URGP :32B:EUR1,00 :57A:DABAFIHH DANSKE BANK HELSINKI :59:/FI :: Unstructured message to beneficiary Finnish express account transfer reference payment {1:F01DABAFIHHXXXX}{2:I101DABAFIHHXXXXN}{4: :50H:/ :30: ::URGP :32B:EUR1,00 :57A:DABAFIHH DANSKE BANK HELSINKI :59:/FI :: Version Page 41 of 52

42 German payment types German account transfer {1:F01DABADEHHXXXX}{2:I101DABADEHHXXXXN}{4: :50H:/DE :52A:DABADEHH :30: ::OTHR :32B:EUR1,00 :57A:COBADEFF :59:/DE ::Unstructured advice for creditor German account express {1:F01DABADEHHXXXX}{2:I101DABADEHHXXXXN}{4: :28D: 00001/00001 :50H:/DE :52A:DABADEHH :30: ::URGP :32B:EUR1,00 :57A:COBADEFF :59:/DE :Unstructured advice for creditor Version Page 42 of 52

43 German account transfer internal payment {1:F01DABADEHHXXXX}{2:I101DABADEHHXXXXN}{4: :28D: 00001/00001 :50H:/DE :52A:DABADEHH :30: ::INTC :32B:EUR1,00 :57A:COBADEFF :59:/DE :Unstructured advice for creditor Version Page 43 of 52

44 English payment types English faster payment {1:F01DABAGB2LXXXX}{2:I101DABAGB2LXXXXN}{4: :30: :32B:GBP1,00 :50H:/ :57A:DABAGB2L :59:/ Adress of beneficiary ::Msg Max.18char English Chaps {1:F01DABAGB2LXXXX}{2:I101DABAGB2LXXXXN}{4: :30: ::URGP :32B:GBP1,00 :50H:/ :57A:DABAGB2L :59:/ Adress of beneficiary ::Unstructured message to beneficiary Version Page 44 of 52

45 English internal payment {1:F01DABAGB2LXXXX}{2:I101DABAGB2LXXXXN}{4: :30: ::INTC :32B:GBP :50H:/ :57A:DABAGB2L :59:/ Adress of beneficiary ::Msg Max 18 char English BACS {1:F01DABAGB2LXXXX}{2:I101DABAGB2LXXXXN}{4: :30: ::OTHR/BACS :32B:GBP1,00 :50H:/ :57A:DABAGB2L :59:/ Adress of beneficiary ::Msg Max. 18 char Version Page 45 of 52

46 Irish payment types Irish external {1:F01DABAGB2BXXXX}{2:I101DABAGB2BXXXXN}{4: :30: :21:Mgs on senders acc ::INTC :32B:EUR1,00 :50H:/ :57A:DABAIE2D :59:/IE82DABA Adress of beneficiary ::Mgs to beneficiary Irish same day transfer domestic {1:F01DABAGB2BXXXX}{2:I101DABAGB2BXXXXN}{4: :50H:/ :30: ::URGP :32B:EUR1,00 :59:/ IE17DABA :: Unstructured message to beneficiary Version Page 46 of 52

47 Irish internal payment {1:F01DABAGB2BXXXX}{2:I101DABAGB2BXXXXN}{4: :50H:/ :30: ::INTC :32B:EUR1,00 :57C://IE :59:/IE17DABA Adress of beneficiary ::Mgs to beneficiary Version Page 47 of 52

48 Polish payment types Polish account transfer with advice {1:F01DABAPLPWXXXX}{2:I101DABAPLPWXXXXN}{4: :50H:/PL :30: ::OTHR/DMST :32B:PLN1,00 :59:/ PL :: Unstructured message to beneficiary Polish account transfer ZUS (insurance) {1:F01DABAPLPWXXXX}{2:I101DABAPLPWXXXXN}{4: :50H:/ PL :30: ::OTHR/ZUS :32B:PLN1,00 :59:/ :: R S Version Page 48 of 52

49 Polish account transfer US (tax) {1:F01DABAPLPWXXXX}{2:I101DABAPLPWXXXXN}{4: :20:Sender ref :50H:/ PL :30: ::OTHR/US :32B:PLN1,00 :59:/ ::>/TI/N /OKR/12M04/SFP/VAT7 Polish express account transfer with advice {1:F01DABAPLPWXXXX}{2:I101DABAPLPWXXXXN}{4: :50L:SENDER AB :50H:/ PL :30: ::URGP :32B:PLN1,00 :59:/ PL :: Unstructured message to beneficiary Version Page 49 of 52

50 Foreign payments Foreign account transfer {1:F01DABADKKKXXXX}{2:I101BARCGB2102XN}{4: :50H:/DK :30: ::OTHR/INTL :32B:DKK1,00 :57A:BARCGB2102A :59:/GB54BARC ::Unstructured message to beneficiary Foreign account transfer express {1:F01DABADKKKXXXX}{2:I101BARCGB2102XN}{4: :50H:/DK :30: ::URGP :32B:DKK1,00 :57A:BARCGB2102A :59:/GB54BARC :: Unstructured message to beneficiary Version Page 50 of 52

51 Foreign account transfer Group {1:F01DABASESXXXXX}{2:I101BARCGB2102XN}{4: :50H:/SE :30: ::INTC :32B:DKK1,00 :57A:BARCGB2102A :59:/GB54BARC :: Unstructured message to beneficiary Nationalbank transfer only Denmark {1:F01DABADKKKXXXX}{2:I101DABADKKKXXXN}{4: :20:55321/1 :30: :RTGS :32B:DKK ,00 :50H:/ :57A:NDEADKKK :59:/DK :: Unstructured message to beneficiary Version Page 51 of 52

52 Riksbank transfer only Sweden {1:F01DABASESXXXXX}{2:I101DABADKKKXXXXN}{4: :50H:/SE :30: ::URGP :32B:SEK :57A:NDEASESS :59:/SE :: Unstructured message to beneficiary Financial/treasury transfers {1:F01DABASESXXXXX}{2:I101BARCGB2102XN}{4: :50H:/DK :30: ::CORT :32B:GBP1,00 :57A:MIDLGB22XXX :59A:/GB18MIDL NDEADKKK Version Page 52 of 52