SWIFT/MT940 -SWIF Tec ecical ical Maal
SWIFT/MT940 Elis vesi Decembe 2006
A Paymets ad Cas Maaemet slti m
SWIFT/MT940 The MT940 Customer Statement Message is a standard SWIFT (Society or Worldwide Interban Financial Telecommunication) message or electronic baning statements. Many sotware pacages are able to process inormation stated in this international standard ormat. It is o ten called an electronic baning statement. This document proides companies with guidelines in such a way that they can implement in their own systems a layout to be receied rom ING Group ia one o the aailable channels in the Netherlands, in this case specifcally ING Finstream, Girotel Zaelij and Electronic Baning. The present layout is based on SWIFT Standards FIN, Category 9, Cash Management and Customer Status.
SWIFT/MT940, English version, December 2006 -
Table ctets 1. Itdcti 4 2. Messae Stcte Cat 6 3. Field Speciicatis 7 4. Field Layt 9 41 Message Header 10 42 (:20:) Transaction Reerence Number (TRN) 11 43 (:21:) Related Reerence 11 44 (:25:) Account Identifcation 11 45 (:28C:) Statement Number 12 46 (:60:) Opening Balance 12 47 (:61:) Statement Line 13 48 (:86:) Inormation to Account Owner 14 49 (:62a:) Closing Balance (Booked Funds) 14 410 (:64:) Closing Available Balance (Available Funds) 15 411 (:65:) Forward Available Balance 15 412 (:86:) Inormation to Account Owner 17 413 Mess age Trailer 17 Aex A: Examples iacial stateme t acct 18 Aex B: SWIFT caacte set 20 Aex C: Tasacti cdes
21
Ctact imati 23
SWIFT/MT940, English version, December 2006 -
1. Itdcti ProDuCT & ChAnnELS InForMATIon
With regard to the Netherlands, the MT940 ormat can be receied rom ING ia the ollowing channels: • ING Electronic Baning (EB) • Postban Girotel Zaelij (GTZ) • ING Finstream (FS) Please note that EB proides Multiban unctionality as well: Customer statements can be receied or other ban accounts (third party bans). Since ING has no control (besides the header and trailer) oer the contents o these messages, please reer to the appropriate account holder ban or more inormation on their message implementation o the MT940. In the case that ING Ban acts as a third party ban, please contact your account manager and as or the appropriate inormation. ChAnnEL SPECIFIC ACCounT InForMATIon
The ollowing account inormation can be obtained through ING EB: • ban statements or ING Ban EUR/FX accounts • entries on ING Ban EUR/FX accounts and giro accounts • boo balances (opening and closing) on ING Ban EUR/FX accounts and giro accounts • alue balance on ING Ban EUR accounts • urthermore EB oers the unctionality to export interest alue balances (current and uture) The ollowing account inormation can be obtained through ING FS: • ban statements or ING Ban EUR/FX accounts • entries on ING Ban EUR/FX accounts • boo balances (opening and closing) on ING Ban EUR/FX accounts • alue balance on ING Ban EUR accounts Postban GTZ can receie account inormation rom the ollowing types o account: • Postban giro accounts • Postban saings accounts • Postban inestment unds • Postban securities accounts The Postban a ccount inormation can include: • boo balance (opening and closing balance) • entries (transactions)
SWIFT/MT940, English version, December 2006 -
rEMArkS WITh rEgArD To ThE DoCuMEnT
This Message Implementation Guide (MIG) or the MT940-NL is intended or computer departments o companies wanting to implement this message and also or their sotware suppliers. The document ocuses on the ING MT940 ormat description: this contains the basis and the ramewor within which a Customer Statement Message is defned by ING or the Dutch payment channels; you’ll fnd the detailed ormat description in chapter 2, 3 and 4. The annexes proide examples o customer statements (Annex A), a list o the SWIFT character set (Annex B) and a list o all transaction codes (Annex C). DEFInITIon
The MT940 statement is sent by the account sericing institute to an account owner or to a party authorised by the account owner to receie the message. It is used to inorm the account owner, or authorised party, o the entries booed to the account, and to proide the owner with balance inormation on the account at a gien point in time. PrInCIPLES & BASIC ASSuMPTIonS
• • • •
a fle can contain one or more messages a message coers one account a message coers one or more boo days the user determines the fle name
General comments: • amount felds can be up to 15 positions (excluding the decimal separator, comma) • amount felds hae no leading zeros, although amounts o less than one currency unit do hae a 0 beore the decimal, or example: 0,89 • the number o decimal places depends on the currency, or example: - EUR (Euro) - TND (Tunisian Dinar)
2 places 3 places
SWIFT/MT940, English version, December 2006 -
2. Messae Stcte Cat Format Specifcations or the MT940 Customer Statement Message: The chart below shows the NL subset in the ING column o the international MT940 standard in the SWIFT column. The MT940-NL diers in some respects rom the international standard. Details with regard to specifc ING usage opposed to the SWIFT standard are outlined in chapter 4. The status in the frst column can either be Mandatory or Optional. Stats
Ta
Repeat
name
1
Messae headi Secti M
Header 1
M
Header 2
O
Header 3 1-n
Cstme Statemet Messae Secti M
20
Transaction Reerence Number
O
21
Related Reerence
M
25
Account Identifcation
M
28C
Statement Number/Sequence Number
M
60a
Opening Balance
-----> 1-n
Eties Secti O
61
Statement Line
O
86
Inormation to Account Owner
M
62a
Closing Balance (Booked Funds)
O
64
Closing Available Balance (Available Funds)
65
Forward Available Balance
86
Inormation to Account Owner
-----|
-----> O
1-n
-----| O
Messae Taile Secti M
Trailer
The structure o an input message is as ollows: An input message or the SWIFT networ is composed o up to 5 parts: • basic header bloc • application header bloc • user header bloc (optional) • text bloc • trailers bloc Header
Component H1 Component Hn
Text
Trailer
Field a
Field b
Tag a: Component a1
Tag b: Component b1
Component T1 Component Tn
The three header blocs and the trailers bloc are composed o components which are not preceded by a feld tag. To assist legibility and printing, all records (except header & trailer) are preceded by an identifer (tag) and closed with a CS2 (carriage return, line eed, hex 0D0A). SWIFT/MT940, English version, December 2006 -
3. Field Specifcatis MESSAgE hEADIng SEC TIon
Header 1: basic header bloc Header 2: application header bloc Header 3: user header bloc CuSToMEr STATEMEnT MESSAgE SECTIon FIELD 20: TRANSACTION REFERENCE NUMBER (TRN)
This feld specifes the reerence assigned by the Sender to unambiguously identiy the message. FIELD 21: RELATED REFERENCE
I the MT 940 is sent in response to an MT 920 Reuest Message, this feld must contain the feld 20 Transaction Reerence Number o the reuest message. FIELD 25: ACCOUNT IDENTIFICATION
This feld identifes the account or which the statement is sent. FIELD 28C: STATEMENT NUMBER/SEqUENCE NUMBER
This feld contains the seuential number o the statement FIELD 60A: OPENING BALANCE
This feld specifes, or the (intermediate) opening balance, whether it is a debit or credit balance, the date , the currency and the amount o the balance. EnTrIES SECTIon FIELD 61: STATEMENT LINE
This feld contains the details o each transaction. FIELD 86: INFORMATION TO ACCOUNT OWNER
This feld contains additional inormation on the transaction detailed in the preceding statement line and which is to be pa ssed on to the account owner. FIELD 62A: CLOSING BALANCE (BOOkED FUNDS)
This feld specifes, or the closing balance, whether it is a debit or credit balance, the date, the currency and the amount o the balance. FIELD 64: CLOSING AvAILABLE BALANCE (AvAILABLE FUNDS)
This feld indicates the unds which are aailable to the account owner (i credit balance) or the balance which is subject to interest charges (i debit balance). FIELD 65: FORWARD AvAILABLE BALANCE
This feld indicates the unds which are aailable to the account owner (i a credit or debit balance) or the specifed orward alue date
SWIFT/MT940, English version, December 2006 -
FIELD 86: INFORMATION TO ACCOUNT OWNER
This feld contains additional inormation on the statement as a whole. It is to be passed on to the account owner. MESSAgE TrAILEr SECTIon
Trailer: unambiguously indicated e nd o message.
SWIFT/MT940, English version, December 2006 -
4. Field Layt This section describes each segment used in the ING MT940 Customer Statement Message. The appropriate comments releant to the ING subset are indicated. Notes: 1. Reading rom let to right, in column one, the feld tags descriptions are shown, ollowed by the second column with the length indication in SWIFT notation (see note 3), the third with the restricted indicator (see note 2) and in the ourth specifc data content is proided. Example gien: Descipti
Let * Ctet
2. The status indicator detailed in the third column, which directly relate to the data content in the ourth column, may hae two alues: • RESTRICTED* A feld mared with an asteris (*) in the third column indicates that the listed content in column our is the only content aailable or use with this feld in this message. I only one content description is proided, this indicates a fxed alue or this feld • OPEN
All felds with ariable data are considered open (no asteris in third column). Content description is proided in italic
3. The ull rules or the notation o components inside me ssages and felds can be ound in the S.W.I.F.T. User Handboo. With regard to notation the releant SWIFT rules are: • 9!a alphanumeric (SWIFT character set, Annex B) with exact length • 9a alphanumeric (SWIFT character set, Annex B) with length up to maximum • 9!n numeric with exact length • 9n numeric with length up to maximum • Optional sub-felds are notated between bracets [] • For comparison the SWIFT notation is presented, where felds that are not used are mared with a – sign, subfelds that are not used are struc, and subfelds that hae an alternate length are italic in the ING column. Please note that or completeness Carriage Return/Line Feed (CRLF) is notated as 2x (SWIFT notation does not) 4. Additional inormation: The tables are ollowed by ‘Fie ld notes’ at feld leel, which gie examples o the segment described
SWIFT/MT940, English version, December 2006 -
4.1 Messae heade -M 1 -
Message Header 1
Function Descipti
Export inormation Let * Ctet * 0000 4!x * hex20 1!x * 01 2!n * See note 12!x * Starts at 00001, increment o 1 per message 5!n * hex0D0A 2!x
Export time CS1 (space) Export day Export address Export number CS2 (cr,l) Field Notes
The export address or GTZ:
PSTBNL21XXXX
The export address or EB & FS:
INGBNL2AXX XX
Example
0000 01INGBNL2AXX XX00001
-M1-
Message Header 2
Function Descipti
Import inormation Let * Ctet * 0000 4!x * hex20 1!x * 01 2!n * 12!x * See note * Starts at 00001, increment o 1 per message 5!n * hex0 D0A 2!x
Import time CS1 (space) Import day Import address Import number CS2 (cr,l) Field Notes
The import address or GTZ:
PSTBNL21XXXX
The import address or EB & FS: INGBNL2AXX XX Example
0000 01INGBNL2AXXXX00001
-O1-
Message Header 3
Function Descipti
Message inormation Let * Ctet * 940 3!n * hex20 1!x * 00 2!n * hex0 D0A 2!x
Message type CSI (space) Message priority CS2 (cr,l) Field Notes
This optional header is always present in ING MT940 messages Example
940 00
SWIFT/MT940, English version, December 2006 - 10
4.2 (:20:) Tasacti reeece nmbe (Trn) :20: - M 1 -
Transaction Reerence Number (TRN)
Function
This feld specifes the reerence assigne d by the Sender to unambiguously identiy the message
SWIFT notation
16x
ING usage Descipti Reerence
5x Let * Descipti * :20: 4!x * See note 5!x
CS2 (cr,l)
2!x
Tag
* hex0D0A
Field Notes The TRN may be the same o r dierent or the separate messages o a statement consisting o several messages The reerence or GTZ:
GTZPB
The reerence or EB&FS:
INGEB
Example
:20:INGEB
:20:
Tag Transaction Reerence Numb er (TRN)
INGEB
ING Electronic Banking
4.3 (:21:) related reeece :21: - 01 -
Related Reerence
Function
I the MT 940 is sent in response to an M T 920 Request Message, this feld must contain the feld 20 Transaction Reerence Number o the request message
SWIFT notation
16x
ING usage Field Notes
-
Please note that ING does not suppor t the usage o this feld, however it might be provided in a multibank scenario
4.4 (:25:) Acct Idetifcati :25: - M 1 -
Account Identifcation
Function
This feld specifes the reerence assigne d by the Sender to unambiguously identiy the message
SWIFT notation
35x
ING usage Descipti
14x Let * Descipti
Tag Account number CS2 (cr,l) Field Notes
4!x
* :25:
10!x 2x
* hex0D0A
Example
:25:0650014652
:25:
Tag Account Identifcation
0650014652
ING account number
SWIFT/MT940, English version, December 2006 - 11
4.5 (:28C:) Statemet nmbe :28C: - M 1 -
Statement Number
Function
This feld contains the sequential number o the statement, optionally ollowed by the sequence number o the message w ithin that statement when more than one message is sent or one statement
SWIFT notation
5n [/5n]
ING usage Descipti
5n [/5n] (see feld note) Let * Descipti
Tag
5!x
* :28C:
Settlement number 5n CS2 (cr,l) Field Notes
2!x
* hex0D0A
* The sequence number is optional and I NG does not support the usage o this feld, however it might be provided in a multibank scenario Example
:28C:4
:28C:
Tag Statement Number
4
Statement number 4
4.6 (:60:) opei Balace :60a: - M 1 -
Opening Balance
Function
This feld specifes, or the op ening balance, whether it is a debit or credit balance, the date, the currency and the amount o the balance
SWIFT notation
1!a 6!n 3!a 15d
ING usage Descipti
1!a 6!n 3!a 15d Let * Descipti
Tag
5!x
* :60F:
Credit/debit
1!x
* C or D
Date
n!6
YYMMDD
Currency
3!x
ISO currency code
Amount
15n
Amount
CS2 (cr,l) Field Notes
2!x
* hex0D0A
The integer part o Amount must contain at le ast one digit The decimal comma ’,’ is mandatory and is included in the maximum le ngth The number o digits ollowing the comma must not exceed the maximum number allowed or that specifc currenc y as specifed in ISO 4217 This feld must always be the same a s feld 62a (closing balance) o the previous customer statement message or this account The frst customer statement message or a specifed period must contain feld 60F (frst opening balance) Example
:60F:C060304EUR44,89
:60F:
Tag First Opening Balance
C
Credit balance
060304
March 4th 2006
EUR
EURO
44,89
Forty-our EUR and Eighty-nine EUR cents
SWIFT/MT940, English version, December 2006 - 1
4.7 (:61:) Statemet Lie :61: - O 1 -
Statement Line
Function
This feld contains the details o each transac tion
SWIFT notation
6!n [4!n] 2a [1!a] 15d 1!a3!c 16x [//16x] [34x]
ING usage Descipti
6!n [4!n] 1a [1!a] 15d 1!a3!c 16x [//16x] [34x] Let * Descipti
Tag
4!x
:1:
Value date
6!n
YYMMDD *
Credit/debit
1!x
C or D
Amount
15n
amount
Transaction type
(3/4)!x
N ***
** Payment reerence 16x
****
CS2 (cr,l) Field Notes
2!x
hex0D0A
*
Interest value date or Bank accounts, book date or Giro accounts
**
3 positions or Postbank, 4 positions or ING
***
The transaction type (aka entry type) is specifed by the letter N ollowed by an indicator o the type o the entr y For entries originating rom the Postbank a letter combination is used (or example, NGT or an entry originating rom Girotel/MijnPostbanknl) For available entry types please reer to Annex C
****
The payment reerence is taken rom the received entries when they are processed In case o the payme nt reerence not being stated, ‘NONREF’ is used The payment reerence is used to speciy a unique reerence or the payment order Please note or Postb ank Girotel Zakelijk: The payment reerence is imported by GTZ as an alphanumeric feld with 16 positions and, or export in SWIF T MT940, is placed in the description lines, preceded by the text ‘PAYMENT REF’
Example
:61:060307D0,45N026
:61:
Tag Statement Line
060307
March 7th 2006
D
Debit
0,45
Forty-fve EUR cents
N026
Entry originating rom Electronic Banking (code 26)
SWIFT/MT940, English version, December 2006 - 1
4.8 (:86:) Imati t Acct owe :86: - C 6 -
Inormation to Account Owner
Function
This feld contains additional inormation on the transaction d etailed in the preceding statement line and which is to be passed on to the account owner
SWIFT notation
6*65x
ING usage Descipti
6*65x Let * Descipti
Tag
4!x
Description
65x
CS2 (cr,l) Field Notes
2!x
* :86: * hex0D0A
I feld 86 is present in any occurrence o the repetitive se quence, it must be preceded by a feld 61 Example
:86:453261094 1318224 ALBERT HEIJN HUISS>HUISS PASNR 013T500 05-08-05 12 UUR 25 TRANSACTIEN R 7492221
:86:
Tag Inormation to Account Owner 1318224 ALBERT HEIJN HUISS>HUISS PASNR 013T500 05- 08-05 12 UUR 25 TRANSACTIENR 7492221 Narrative
4.9 (:62a:) Clsi Balace (Bed Fds) :62a: - M 1 -
Closing Balance
Function
This feld specifes, or the closing balance, whethe r it is a debit or credit balance, the date, the currency and the amount o the balance
SWIFT notation
1!a 6!n 3!a 15d
ING usage Descipti
1!a 6!n 3!a 15d Let * Descipti
Tag
5!x
* :62F: or:62M:
Credit/debit
1!x
* C or D
Date
6!n
YYMMDD
Currency
3!x
ISO currency code, refer to Annex D
Amount
15n
Amount
CS2 (cr,l) Field Notes
2!x
* hex0D0A
The integer part o Amount must contain at le ast one digit The decimal comma ’,’ is mandatory and is included in the maximum le ngth The number o digits ollowing the comma must not exceed the maximum number allowed or that specifc currenc y as specifed in ISO 4217 The content o this feld will be repeated in feld 60 a o the subsequent customer statement message or this account I there is only one customer statement messag e transmitted or the period, this feld must use tag option F, ie, 62F (fnal closing balance) Example
:62F:C060327EUR41,75
:62F:
Tag Closing Balance (Booked Funds)
C
Credit balance
060327
March 27th 2006
EUR
EURO
44,89
Forty-one EUR and Seventy-fve EUR cents SWIFT/MT940, English version, December 2006 - 1
4.10 (:64:) Clsi Available Balace (Available Fds) :64: - O 1 -
Closing Available Balance (Available Funds)
Function This feld indicates the unds which are available to the account owner (i credi t balance) or the balance which is subject to interest charges (i debi t balance) SWIFT notation
1!a 6!n 3!a 15d
ING usage Descipti
1!a 6!n 3!a 15d Let * Descipti
Tag
5!x
* :64:
Credit/debit
1!x
* C or D
Date
6!n
YYMMDD
Currency
3!x
ISO currency code, refer to Annex D
Amount
15n
Amount
CS2 (cr,l) Field Notes
2!x
* Hex0D0A
Please note that this feld is only available through the EB and FS channels, GT Z does not support Closing Available Balances The integer part o Amount must contain at le ast one digit The decimal comma ’,’ is mandatory and is included in the maximum le ngth The number o digits ollowing the comma must not exceed the maximum number allowed or that specifc currenc y as specifed in ISO 4217 Example
:64:C060305EUR98,00
:64:
Tag Closing Available Balance (Available Funds)
C
Credit balance
060305
March 5th 2006
EUR
EURO
98,00
Ninety-eight EUR and zero EUR cents
4.11 (:65:) Fwad Available Balace :65: - O n -
Forward Available Balance
Function This feld indicates the unds which are available to the account owner (i a cre dit or debit balance) or the specifed orward value date SWIFT notation
1!a 6!n 3!a 15d
ING usage Descipti
1!a 6!n 3!a 15d Let * Descipti
Tag
4!x
* :65:
Credit/debit
1!x
* C or D
Date
6!n
YYMMDD
Currency
3!x
ISO currency code, refer to Annex D
Amount
15n
Amount
CS2 (cr,l)
2!x
* Hex0D0A
SWIFT/MT940, English version, December 2006 - 1
Field Notes Please note that this feld is only available through the EB and FS channels, GT Z does not support Forward Available Balances The examp le provided below shows the availability o 3 balances or 3 dates The integer part o Amount must contain at le ast one digit The decimal comma ’,’ is mandatory and is included in the maximum le ngth The number o digits ollowing the comma must not exceed the maximum number allowed or that specifc currenc y as specifed in ISO 4217 Example
:65:C060306EUR94,85 :65:C060307EUR94,85 :65:C060307EUR94,85
:65:
Tag Forward Available Balance
C
Credit balance
060327
March 6th 2006
EUR
EURO
94,85
Ninety-our EUR and Eighty-fve EUR cents
Etc
SWIFT/MT940, English version, December 2006 - 1
4.12 (:86:) Imati t Acct owe :86: - O 1 -
Inormation to Account Owner
Function
This feld contains additional inormation on the statement as a whole It is to be passed on to the account owner
SWIF T notation
6*65x
ING usage
1*44x
Descipti
1*35x Let * Descipti
Tag
4!x
* :86:
Debit
1!x
D
Number
6!n
number of debit entries
Credit
1!x
C
Number
6!n
number of credit entries
Debit
1!x
D
Amount
15n
amount of debit entries
Credit
1!x
C
Amount
15n
amount of credit entries
CS2 (cr,l)
2!x
Hex0D0A
Account Name
35x
Only for ING Bank current account
CS2 (crl) Field Notes
2!x
Hex0D0A
Summarizing other inormation is provided, please note that the Account Name can only be provided in the EB and FS channel, GT Z does not support this Example
:86:D000003C000000D3,14C0,00 ING BANK TESTREKENING
:86:
Tag Inormation to Account Owner
D
Debit
0000 03
3 debit entries in the message
C
Credit
0000 00
0 credit entries in the message
D
Debit
3,14
Total debit amount o thee EURO and ourteen EURO cents in the message
C
Credit
0,00
Total credit amount o zero EURO and zero EURO cents in the message
ING BANK TESTREKENING Name o the current account
4.13 Messae Taile -M1-
Trailer
Function
Message trailer
Descipti
Let * Ctet
Start
1!x
* -
End indicator
3!x
* XX X
CS2 (cr,l) Field Notes
2!x
* hex0D0A
Example
-XXX
SWIFT/MT940, English version, December 2006 - 1
Aex A: Examples facial statemet acct Dmestic MT940 epesetati, gitel Zaelij 0000 01PSTBNL21XXX X00001 0000 01PSTBNL21XXX X00001 940 00 :20:GTZPB :25:0001234567 :28C:004 :60F:C060326EUR44,89 :61:060327D0,45NGTNONREF :86: 0660014650 TEXT ACCOUNT WITH THE REQUIRED TEX T WHICH CAN RUN ON :61: 060327D0,45NBANONREF :86:453261094 1318224 ALBERT HEIJN HUISS>HUISS PASNR 013T500 05-08-05 12 UUR 25 TRANSACTIEN R 7492221 :61:060327D2,24NAC1234567812345678 :86: 060313313 ACCEPT PAYMENT :62F:C060327EUR41,75 :86:D000003C000000D3,14C0,00 -XXX
Dmestic MT940 epesetati, Electic Bai 0000 01INGBNL2AXX XX00001 0000 01INGBNL2AXX XX00001 940 00 :20:INGEB :25:0650014652 :28C:4 :60F:C060304EUR44,89 :61:060307D0,45N026 :86: 0660014650 TEXT ACCOUNT WITH THE REQUIRED TEX T WHICH CAN RUN ON :61: 060327D0,45NBANONREF :86:453261094 1318224 ALBERT HEIJN HUISS>HUISS PASNR 013T500 05-08-05 12 UUR 25 TRANSACTIEN R 7492221 :61:060307D2,24N026 :86:AC 1234567812345678 TRANSACTION2 :62F:C060305EUR41,75 :64:C060305EUR98,00 :65: C060306EUR94,85 :65: C060307EUR94,85 :65: C060307EUR94,85 :86:D000003C000000D3,14C0,00 ING BANK TESTREKENING -XXX
SWIFT/MT940, English version, December 2006 - 1
Dmestic MT940 epesetati, Fisteam 0000 01INGBNL2AXX XX00001 0000 01INGBNL2AXX XX00001 940 00 :20:INGEB :25:0650014652 :28C:4 :60F:C060304EUR44,89 :61:060307D0,45N026 :86: 0660014650 TEXT ACCOUNT WITH THE REQUIRED TEX T WHICH CAN RUN ON :61: 060327D0,45NBANONREF :86:453261094 1318224 ALBERT HEIJN HUISS>HUISS PASNR 013T500 05-08-05 12 UUR 25 TRANSACTIEN R 7492221 :61:060307D2,24N026 :86:AC 1234567812345678 TRANSACTION2 :62F:C060305EUR41,75 :64:C060305EUR98,00 :65: C060306EUR94,85 :65: C060307EUR94,85 :65: C060307EUR94,85 :86:D000003C000000D3,14C0,00 ING BANK TESTREKENING -XXX
SWIFT/MT940, English version, December 2006 - 1
Aex B: SWIFT caacte set SWIF T uses the ISO level B character set with certain restrictions The ollowing characters are permitted: capital letters
A to Z
lower-case letters
a to z
fgures
0 to 9
space point
comma
,
hyphen
-
open parenthesis
(
close parenthesis
)
oblique (slash)
/
apostrophe
‘
plus sign
+
colon
:
question mark
?
open bracket
{ SEPARATOR
close bracket
} SEPARATOR
SWIFT/MT940, English version, December 2006 - 0
Aex C: Tasacti cdes Ing Ba accts Values up to and including ‘’ are debit entries Values from ‘’ onwards are credit entries Debit
Cedit
01 transer to current account
55 cash deposit
02 transer to private account
56 sale o securities
03 transer to deposit account
57 sales o coupons
04 transer to NMS
58 transer abroad
05 transer to bank savings
59 bank giro
24 interest on overdue payments
60 salary credits
26 electronic banking
61 postal giro charged to third parties
27 transer to oreign debit
62 postal giro charged to postal account
28 closing entry to a suspense account 29 Interpay debit giro orders supplied direct to Interpay 30 all cash payments charged to own customers 31 settled receipts charged to own customers 32 other branch payment, cheque received or collection 33 purchase o securities 34 coupons made payable 35 transer abroad 36 giro orders
customers 63 settlement o domestic collections 64 one-o closure (interest) 65 one-o closure (commission) 66 one-o closure (charges) 67 automatic interest entry 68 insurance claims payments 69 central processing 70 transer (other) 71 settlement o guaranteed cheques and eurocheques 72 crediting o oreign currency purchased, traveller’s cheque
37 automatic giro orders
73 automatic transer (quarterly closure)
38 domestic collections
75 settlement o point-o-pay terminal
39 one-o closure (interest)
(domestic)
40 one-o closure (commission)
76 settlement o chipknip (merchants)
41 one-o closure (charges)
77 telephone transer
42 automatically entered (interest)
78 credit postal giro orders
43 automatically entered (commission)
79 transer abroad
44 automatically entered (charges)
80 one-o movements without turnover
45 telegiro transactions
commission
46 insurance premium invoices, etc
81 transer rom cur rent account
47 central payment scheme
82 transer rom personal account
48 transer (other)
83 transer rom deposit account
49 guaranteed cheques and eurocheques
84 transer rom NMS book
50 travel money provided (traveller’s
85 transer rom bank savings
cheques, oreign currency) 51 automatic transer (quarterly closure) 54 movements without turnover
86 payments into night sae and credited to third parties 87 electronic banking
commission
SWIFT/MT940, English version, December 2006 - 1
Pstba Cde
Explaati
NAC
giro debit
NBA
cash dispenser transaction
NCH
cheque
NDV
sundry charges
NFL
branch entry, intercompany entry
NGB
guaranteed giro cheque
NGF
girooon
NGM
giromaat
NGT
girotel (individual girotel transers)
NIC
credit o the total amount or debit o eg reversals
NOV
manual transer
NPK
post ofce withdrawal
NPO
standing order
NST
deposit (own account or third-party)
NVZ
multi-transer order (debit o the total amount or credit o the combined entries)
SWIFT/MT940, English version, December 2006 -
Qestis
I you hae any uestions on MT940 through Finstream please contact the ING Customer Support Des,
[email protected].l. For opening hours and phone numbers please isit www.iba.l. I you hae any uestions on MT940 through Electronic Baning please contact the ING Helpdes Electronic Baning,
[email protected]ba.l. For opening hours and phone numbers please isit www.iba.l. I you hae any uestions on MT940 through Girotel Zaelij please contact the ING Helpdes Girotel Zaelij. For opening hours and phone numbers please isit www.pstba.l/zaelij. For more inormation on ING fle ormats please isit our website www.iba.l/bestadsmate.
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