version 1.5.6 publishing date 13 december 2017 · pdf file ·...
TRANSCRIPT
Implementation guide
Cross-border payments
EDIFACT PAYMUL format
Version 1.5.6
Publishing date 13 December 2017
Implementation guide
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Version 1.5.6 Publishing date 13 December 2017
Table of contents
1 INTRODUCTION ...................................................................................................................................... 3
1.1 Related documents .......................................................................................................................................... 4
1.2 Definitions ........................................................................................................................................................ 4
1.3 History .............................................................................................................................................................. 5
2 IMPLEMENTATION GUIDELINES .......................................................................................................... 6
2.1 Set-up guidelines ............................................................................................................................................. 6
2.1.1 CONTENTS .................................................................................................................................................................. 6
3 COUNTRY SPECIFIC INFORMATION FOR CROSS-BORDER PAYMENTS ..................................... 14
3.1 Debit Account and Debit account servicing institution .................................................................................... 14
3.1.1 DEBIT ACCOUNT SERVICING INSTITUTION - HANDELSBANKEN .......................................................................... 14 3.1.2 DEBIT ACCONT HELD IN OTHER BANKS ................................................................................................................. 14
3.2 Beneficiary account and Beneficiary’s bank ................................................................................................... 15
3.2.1 BENEFICIARY ACCOUNT .......................................................................................................................................... 15 3.2.2 BENEFICIARY’S BANK ............................................................................................................................................... 15
3.3 Reference/Message to the beneficiary ........................................................................................................... 16
3.3.1 MESSAGE TO BENEFICIARIES IN CHINA................................................................................................................. 17 3.3.2 HANDELSBANKEN POLAND ..................................................................................................................................... 17 3.3.3 HANDELSBANKEN SWEDEN .................................................................................................................................... 17 3.3.4 HANDELSBANKEN OTHER COUNTRIES AND OTHER BANKS ............................................................................... 17
3.4 Payment-/Currency register-/Central bank code ............................................................................................ 18
3.4.1 FRANCE ..................................................................................................................................................................... 19 3.4.2 LATVIA ........................................................................................................................................................................ 19 3.4.3 NORWAY .................................................................................................................................................................... 20 3.4.4 SWEDEN .................................................................................................................................................................... 21
3.5 Charges allocation within EU/EEA ................................................................................................................. 21
3.6 Payments in CNY offshore to Mainland China ............................................................................................... 22
4 FILE EXAMPLES ................................................................................................................................... 23
4.1 China .............................................................................................................................................................. 23
4.2 Denmark ......................................................................................................................................................... 24
4.3 Estonia ........................................................................................................................................................... 25
4.4 Latvia .............................................................................................................................................................. 26
4.5 Lithuania ......................................................................................................................................................... 27
4.6 Poland ............................................................................................................................................................ 28
4.7 Sweden .......................................................................................................................................................... 29
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1 Introduction
Handelsbanken’s implementation guidelines will describe the contents of cross-border payments based on
EDIFACT PAYMUL-format. In the first part of the document you will find a description of the format,
after the format description you will find country specific information.
It is currently possible to make cross-border payments in Handelsbanken:
China Great Britain Norway
Denmark Hong Kong Poland
Estonia Latvia Singapore
Finland Lithuania Sweden
France Luxembourg USA
Germany Netherlands Other banks
Payments can also be made from accounts held with other banks. The service is based on Handelsbanken
having an agreement with the account holding bank in order to execute payments. Please contact your
debtor agent for information regarding how to state your debtor account.
All component services within outgoing payments must have a separate agreement with the Bank.
This description is unique for Handelsbanken´s services and can therefore only be used in cooperation with
Handelsbanken.
The structure and character sets of the EDIFACT messages are described in the Bankers’ Association’s
Service Segments. Handelsbanken uses the ISO 8859-1:1987 character set for the syntax.
More information about cross-border payments can be obtained from your local branch office.
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1.1 Related documents
These documents and specifications will make it easier to understand and apply the implementation
guidelines:
[https://www.swedishbankers.se/fraagor-vi-arbetar-med/betalningar/standarder/finansiell-edifact/
www.Swedishbankers.se – Standards; Implementation guide EDIFACT PAYMUL and Term Directory,
Svenska Bankföreningen version D.96A
1.2 Definitions
Term Description
BBAN BBAN stands for Basic Bank Account Number and identifies a unique national
bank account number. A BBAN can comprise up to 30 characters and can be
alphanumeric. An international IBAN is created based on a BBAN.
IBAN IBAN stands for International Bank Account Number. An IBAN consists of a
maximum of 35 characters. A Swedish IBAN consists of 24 characters.
SWIFT SWIFT is the abbreviation of Society for Worldwide Interbank Financial
Telecommunication and is a communications network used by most of the banks
in the world for sending each other payment instructions and messages.
BIC Bank Identifier Code, 8 or 11 characters. A unique address linked to SWIFT
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1.3 History
At Handelsbanken, changes to version numbers are made according to the following guidelines. The
original version is 1.0.0
The last digit is changed when the format descriptions are changed, for example text clarifications
and examples.
The second digit is changed if minor changes are made to the format such as new countries or
changes in the payment type.
The first digit is changed (thus becoming a completely new version) if the format changes mean
that the customer will have to make adaptations in order to continue using the service. In this case,
all customers affected are informed of the new version and what the changes involve.
Version Date Description
1.5.6 2017-12-13 New rules for allocation of fees within EU/EES according to PSD2
regulation, see 3.5
GB and SE: Cheque payment no longer available as payment type
1.5.5. 2016-12-12 GB: National BankID not allowed
1.5.4 2016-06-30 New codes for payments to beneficiaries in Mainland China
1.5.3 2014-04-22 Cheque is no longer available as payment type from Luxembourg
1.5.2 2013-12-12 BIC is optional if Debit or Beneficiary’s account number is stated as an
IBAN.
1.5.1 2013-06-11 New payment type (Financial/IntraCompany) available for Lithuania,
Latvia and Estonia.
Update due to changes in country specific information regarding
Luxembourg. Do not have to enter Central bank code.
1.5.0 2012-11-22 Update due to changes in country specific information regarding China.
Older
versions
Please contact your local branch if you have questions concerning older
versions.
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2 Implementation guidelines
Payment date/Execution date
Payment date can be stated for a maximum of 12 months ahead.
Payment date can be exceeded with a maximum of 20 days. Then the payment will be executed the
following business day. If execution date is exceeded with more than 20 days the payment will be rejected.
Credit notes
The EDIFACT PAYMUL-format doesn’t as standard handle credit notes. An invoice must be manually
netted against a credit note, with the net amount in E001 MOA SG11 being sent to the beneficiary. Invoice
references can be entered in F003 DOC SG17 using code 381 in F004. Credit note references can be entered
in F003 DOC SG17 using code 381 in F004.
2.1 Set-up guidelines
The description is based on the application instructions produced by the Swedish banks within the
framework of Swedish Bankers’ Association. These application instructions are available in Swedish
Bankers’ Association Manual on http://www.swedishbankers.se. There the business transaction payment
orders regarding information content and structure are described along with directions for how the
information should be placed in an EDIFACT PAYMUL message from the directory version D96.A.rev
2003-04-15. To use this format description it must therefore be used in parallel with the Bankers’
Association’s application instructions.
The implementation instructions describe the information content sorted in numerical order for the business
terms included in the payment order business transaction in the Bankers’ Association’s documentation.
Beside each business term there is also a reference to the current data element in the EDIFACT PAYMUL
message. The idea is that it should be possible to use the format description in parallel with both the
payment orders business transaction for the company’s information analysis, and with the message
application for the EDIFACT PAYMUL message for implementation in the company’s system.
2.1.1 CONTENTS
Swedish Bankers’ Association
(Bankföreningen)
Handelsbanken
Business
term
Ref.no.
Payment order
Name
PAYMUL Cross-border payments
SG Seg DE
A001 Payment order, number BGM 1004 Must be unique for each message between the sender and the bank Max 15 characters
A017 Debit order reference, verification number
4 RFF 1154 Unique reference for the debit transaction
A018 Customer reference number, verification number
11 RFF 1154 Unique reference for the credit transaction
A025 Reference to remittance advice, number
11 RFF 1154 Not used
A027 Message function code BGM 1225 9 = Original
A029 Previous payment order, number
1 RFF 1154 Not used
A039 Customer to customer payment reference, number
11 RFF 1154 Not used
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Swedish Bankers’ Association
(Bankföreningen)
Handelsbanken
Business
term
Ref.no.
Payment order
Name
PAYMUL Cross-border payments
SG Seg DE
B001 Payment order, date DTM 2380 YYYYMMDD
B002 Requested execution date 4 DTM 2380 YYYYMMDD
B016 Beneficiary’s banks due date 11 DTM 2380 YYYYMMDD Only in combination with D005= 82 and YW61
B017 Payment due date 11 DTM 2380 Not used
B018 Reference date, exchange rate
5 DTM 2380 Not used
B028 Previous payment order, date
1 DTM 2380 Not used
C001 Ordering customer’s customer number
13 NAD 3039 Not used
C002 Ordering customer’s name 13 NAD 3036 Not used
C003 Ordering customer’s box/street address
13 NAD 3042 Not used
C004 Ordering customer’s postcode
13 NAD 3251 Not used
C005 Ordering customer’s postal address
13 NAD 3164 Not used
C006 Ordering customer’s country code
13 NAD 3207 Not used
C008 Debit account 6 FII 3194 Account to be debited See country specific information
C016 Debit account holder’s identification
6 FII 3192 Debit account holder’s customer no. = Business organisation/SHB number
C017 Payor’s name 13 NAD 3036 Not used
C018 Payor’s street address 13 NAD 3042 Not used
C019 Payor’s postcode 13 NAD 3251 Not used
C020 Payor’s postal address 13 NAD 3164 Not used
C021 Payor’s country code 13 NAD 3207 Not used
C022 Payor’s province/country/state
13 NAD 3229 Not used
C027 Debit account servicing financial institution, institution branch number
6 FII 3434 Not used
C028 Debit account servicing financial institution, BIC
6 FII 3433 BIC of the bank servicing the customers debit account, e.g. HANDDKKK
Optional if Debit account is stated as an IBAN
1 The value date may not be more than seven days into the future from the date when the file is sent to the bank.
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Swedish Bankers’ Association
(Bankföreningen)
Handelsbanken
Business
term
Ref.no.
Payment order
Name
PAYMUL Cross-border payments
SG Seg DE
C031 Intermediary bank, BIC 12 FII 3433 Covering bank
Handelsbanken: Only in combination with D005 = YW6 and 82
Other banks: Used according to agreement
C034 Beneficiary’s identification 13 NAD 3039 Not used
C035 Beneficiary’s name 13 NAD 3036 Beneficiary’s name, mandatory
C036 Beneficiary’s box/street address
13 NAD 3042 Beneficiary’s street address
C037 Beneficiary’s postcode 13 NAD 3251 Beneficiary’s postcode
C038 Beneficiary’s postal address 13 NAD 3164 Beneficiary’s postal address, mandatory
C039 Beneficiary’s country code 13 NAD 3207 Beneficiary country code, ISO standard
C040 Credit account 12 FII 3194 Beneficiary’s account number IBAN must be used for payments in euro to EU, EEA and Switzerland but is recommended to all countries that adopted IBAN as a standard.
C043 Beneficiary’s contact person or department
13 CTA 3412 Not used
C044 Beneficiary’s telephone no. 13 COM 3148 Not used
C045 Beneficiary’s telefax number 13 COM 3148 Not used
C046 Beneficiary’s telex number 13 COM 3148 Not used
C047 Beneficiary’s e-mail address 13 COM 3148 Not used
C048 Beneficiary’s institution branch number
12 FII 3434 Not used
C049 Beneficiary’s financial institution, BIC
12 FII 3433 Not used
C050 Charge account, account number
4 FCA 3194 Not used
C050 Charge account, account number
11 FCA 3194 Not used
C051 Charge account, institution branch number
4 FCA 3434 Not used
C051 Charge account, institution branch number
11 FCA 3434 Not used
C052 Party enacting advice 1 14 INP 3301 Not used
C053 Recipient of advice 1 14 INP 3285 Not used
C054 Advice method 1, code 14 INP 4401 Not used
C055 Party enacting advice 2, code
14 INP 3301 Not used
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Swedish Bankers’ Association
(Bankföreningen)
Handelsbanken
Business
term
Ref.no.
Payment order
Name
PAYMUL Cross-border payments
SG Seg DE
C056 Recipient of advice 2 14 INP 3285 Not used
C057 Advice method 2, code 14 INP 4401 Not used
C058 Payee’s identification 13 NAD 3039 Not used
C059 Order sender, identification 3 NAD 3039 If a Business organisation number or SHB number is stated, this will be displayed as the Instructing party in Handelsbanken online corporate banking service.
C060 Order recipient, identification 2 FII 3433 Not used
C066 Credit account servicing financial institution, institution branch number
12 FII 3434 Beneficiary bank identification, National bank ID.
See country specific information
C067 Credit account servicing financial institution, BIC
12 FII 3433 Beneficary bank identification, BIC address
Optional if Beneficiary’s account number is stated as an IBAN.
See country specific information
C068 Account servicing financial institution, name
12 FII 3432 Not used
C069 Account servicing financial institution, town
12 FII 3436 Not used
C070 Payee’s name 13 NAD 3036 Not used
C071 Payee’s box/street address 13 NAD 3042 Not used
C072 Payee’s postcode 13 NAD 3251 Not used
C073 Payee’s postal address 13 NAD 3251 Not used
C074 Payee’s country code 13 NAD 3207 Not used
C075 Payee’s province/country/state
13 NAD 3229 Not used
C080 Party enacting advice 3, code
14 INP 3301 Not used
C081 Recipient of advice 3, code 14 INP 3285 Not used
C082 Advice method 3, code 14 INP 4401 Not used
C083 Beneficiary’s province/country/state
13 NAD 3229 Not used
C085 Advice information 1, free text
14 FTX 4440 Not used
C086 Advice information 2, free text
14 FTX 4440 Not used
C087 Advice information 3, free text
14 FTX 4440 Not used
C089 Ordering customer’s province/country/state
13 NAD 3229 Not used
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Swedish Bankers’ Association
(Bankföreningen)
Handelsbanken
Business
term
Ref.no.
Payment order
Name
PAYMUL Cross-border payments
SG Seg DE
C107 Institution branch number type, code
6 FII 1131 Not used
C107 Institution branch number type, code
12 FII 1131 25 = clearing code AU, CA, CH, CN, HK, RU, US
Used if C066 Credit account servicing financial institution, institution branch number is stated in FII 3434 SG12
C108 Institution branch number type, code list responsible agency
6 FII 3055 Not used
C108 Institution branch number type, code list responsible agency
12 FII 3055 19 = US, American Bankers Association 170 = CA, Canadian Payment Association 178 = AU, Standard Association of Australia
HK = Hong Kong RU = Russia
C122 Account servicing financial institution, country
12 FII 3207 Country code of financial institution servicing beneficiary’s account, ISO standard
C134 Ordering customer’s financial institution, country
6 FII 3207 Country code of ordering customer’s financial institution, ISO standard
D001 Geographic environment, code
4 BUS 3279 IN = International
D002 Payment type, code 4 BUS 4487 Not used
D003 Intra-group payment, code 4 BUS 4463 Not used
D004 Contract number 5 RFF 1154 Contract number Used when the debited amount is settled against a forward contract, for accounts in Handelsbanken DE, DK, FI, FR, GB, HK, LV, NL, NO, PL, SG and US. Used in combination with E015 CUX SG5 Other banks, according to agreement
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Swedish Bankers’ Association
(Bankföreningen)
Handelsbanken
Business
term
Ref.no.
Payment order
Name
PAYMUL Cross-border payments
SG Seg DE
D005 Payment terms, code 11 PAI 4439 80 = normal payment 81 = express payment (Not used for debit accounts in Handelsbanken CN, HK, SG, US and GB. Not applicable for debit accounts in Handelsbanken SE for EUR payments within the EU/EEA or for SEK payments within Sweden) 82 = intra-group transfer (not allowed for debit accounts in Handelsbanken CN) 84 = economy payment, only for debit accounts in Handelsbanken DK YW6 = financial payment
D006 Payment method, code 11 PAI 4461 Not used
D007 Charge allocation, code 11 FCA 4471 13 = The beneficiary pays all the fees (BEN) 14 = Each party pays its fees (SHA), this is the normal case 15 = Ordering party pays all fees (OUR)
Exception: Cross-border payments from Handelsbanken USA will always be treated as OUR
Exception2: For payments within EU/EES only SHA can be used, see chapter 3.5
D007 must not be used simultaneously with D024 Generic charges allocation code FCA, SG4
See country-specific information and 3.5
D008 Payment code Currency register code Central bank code
15 RCS 7295 265 = Code for the Swedish Central bank, Sveriges Riksbank Entered when reporting will be done, regardless of where the debit account is located
Additional information is only used in Norway. A total of 17 characters can be entered.
Used according to the rules of the Central bank or similar where the debit account is held. See country-specific information
D020 Underlying business type, code
4 BUS 4025 Not used
D021 Payment channel, code 11 PAI 4435 Not used
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Swedish Bankers’ Association
(Bankföreningen)
Handelsbanken
Business
term
Ref.no.
Payment order
Name
PAYMUL Cross-border payments
SG Seg DE
D022 Payment reference, contents and format
16 PRC 7187 8 = Payment reference only in structured form (DOC) 11 = Payment reference only in unstructured form (FTX)
D024 Generic charges allocation, code
4 FCA 4471 13 = The beneficiary pays all the fees (BEN) 14 = Each party pays its fees (SHA), this is the normal case 15 = Ordering party pays all fees (OUR)
Exception: Cross-border payments from Handelsbanken USA will always be treated as OUR
Exception2: For payments within EU/EES only SHA can be used, see chapter 3.5
D024 must not be used simultaneously with D007 Generic charges allocation code FCA, SG11
See country-specific information and 3.5
E001 Payment amount 11 MOA 5004 Payment amount
E002 Payment currency 5 MOA 6345 Payment currency code, ISO standard
E002 Payment currency 11 MOA 6345 Payment currency code, ISO standard
E011 Currency of equivalent amount
5 MOA 6345 Not used
E011 Currency of equivalent amount
11 MOA 6345 Not used
E015 Exchange rate 5 CUX 5402 Rate for forward contract Used only in combination with D004 RFF SG5
E047 Total amount in payment currency
5 MOA 5004 Total of all E001 Payment amount MOA 5004 SG11
E048 Total amount as equivalent amount
5 MOA 5004 Not used
E049 Account currency 4 FCA 6345 Not used
E049 Account currency 6 FII 6345 Debit account currency code, ISO standard
E049 Account currency 11 FCA 6345 Not used
E049 Account currency 12 FII 6345 Not used
E050 Debit currency 5 CUX 6345 Not used
E051 Credit currency 5 CUX 6345 Not used
E052 Exchange rate, base 5 CUX 6348 Not used
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Swedish Bankers’ Association
(Bankföreningen)
Handelsbanken
Business
term
Ref.no.
Payment order
Name
PAYMUL Cross-border payments
SG Seg DE
E054 Payment amount as equivalent amount
11 MOA 5004 Not used
F001 Control amount 23 MOA 5004 Total of all F007 Document amount MOA 5004 SG 17
F003 Document number 17 DOC 1004 Reference or invoice number
See country specific information
F004 Document type 17 DOC 1001 380 = Invoice
F005 Document date 17 DTM 2380 Not used
F006 Document date, format 17 DTM 2379 Not used
F007 Document amount 17 MOA 5004 Invoice amount
F008 Document currency 17 MOA 6345 Currency for invoice amount, ISO standard
F009 Amount type, code 17 MOA 5025 77 = Invoice amount
F010 Other reference number 17 RFF 1154 Any additional reference
F010 Other reference number 19 FTX 4440 Not used
F011 Type of reference number 17 RFF 1153 ABO = Ordering customer’s reference ACD = Additional reference
F011 Type of reference number 19 FTX 4441 Not used
F012 Reference information, free text
10 FTX 4440 Not used
F012 Reference information, free text
16 FTX 4440 Unstructured reference/message to the beneficiary Max 4 X 35 characters/payment
See country specific information
F013 Text, language 10 FTX 3453 Not used
F013 Text, language 14 FTX 3453 Not used
F013 Text, language 16 FTX 3453 Not used
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3 Country specific information for Cross-border payments
3.1 Debit Account and Debit account servicing institution
3.1.1 DEBIT ACCOUNT SERVICING INSTITUTION - HANDELSBANKEN
Country Country
code
BIC IBAN –
International
Bank Account
number
BBAN – Traditional Account
number
China CN HANDCNSH Not available 10 characters
Denmark DK HANDDKKK 18 characters 11 digits incl clearing number
Estonia EE HANDEE22 20 characters Not available
Finland FI HANDFIHH 18 characters 14 digits incl clearing number
France FR HANDFRPP 27 characters 23 digits
Germany DE HANDDEFF 22 characters 10 digits
Great Britain GB HANDGB22 22 characters 8 digits
Hong Kong HK HANDHKKK Not available 10 digits
Latvia LV HANDLV22 21 characters Not available
Lithuania LT HANDLT2X 20 characters Not available
Luxembourg LU HANDLULB 20 characters 8 digits
Netherlands NL HANDNL2A 18 characters 10 digits
Norway NO HANDNOKK 15 characters 11 digits incl clearing number
Poland PL HANDPLPW 28 characters 26 digits
Singapore SG HANDSGSG Not available 10 digits
Sweden SE HANDSESS 24 characters 8 or 9 digits incl clearing number
USA US HANDUS33 Not available 8 digits
3.1.2 DEBIT ACCONT HELD IN OTHER BANKS
Debit accounts held in other banks could be either an international bank account number, IBAN, or a
traditional bank account number, BBAN. This must be stated according to agreement with the bank in
point.
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3.2 Beneficiary account and Beneficiary’s bank
3.2.1 BENEFICIARY ACCOUNT
Beneficiary account is to be identified as IBAN where available. Please note that IBAN is mandatory for
payments in EUR within EU, EEA and Switzerland. In some countries IBAN cannot be used, why
beneficiary account must be identified as BBAN.
See http://www.ecbs.org/iban/iban.htm#country for further information about how IBAN and BBAN are
stated in different countries.
3.2.2 BENEFICIARY’S BANK
The beneficiary bank is to be identified preferably with BIC and when requested National bank ID.
In some countries the beneficiary bank may not have a BIC of its own. In these cases, a National bank Id
can be specified and must be entered with no spaces and start with a two letter clearing national system
code, see table below.
Country Length of ID Description
Australia AU + 6 digits Australian Bank State Branch Code (BSB)
Canada CC + 9 digits Canadian Payments Association Payment Routing
China CN + 12 digits CNAPS code
Hong Kong HK + 6 digits Hong Kong National Clearing Code (CHATS)
Russia RU + 9 digits Russian Central Bank Identification Code
South Africa SC + 6 digits Sort Code
USA FW + 9 digits ABA/Fed Wire Routing Number
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3.3 Reference/Message to the beneficiary
Reference/message to the beneficiary can be entered either as structured reference, DOC, or as an
unstructured message, FTX. Enter an invoice number, a customer number, other references or information
that may be needed by the beneficiary.
Exempel:
SG 16 PRC + FTX – Payment reference, contents and format
In segment group 16, segment PRC, data element 7187 business term D022 unstructured message can be
entered.
PRC+11+FTX+PMD+++Invoice no 1223, customer no 789
SG 16 PRC – Payment reference, contents and format
SG 17 DOC – Document, type and number
In segment group 16, segment PRC, data element 7187 business term D022 structured reference can be
entered. In segment group 17, segment DOC, data element 1001 business term F004 document type is
entered, in data element 1001 business term F003 structured reference is entered.
PRC+8
DOC+380+1223
Swedish Bankers’ Association (Bankföreningen) Handelsbanken
Business
term
Payment order PAYMUL Description Example
SG Seg DE
F012 Reference information, free text
16 FTX 4440 Unstructured reference/message to the beneficiary Max 4 X 35 characters/payment
Invoice no 738
Swedish Bankers’ Association (Bankföreningen) Handelsbanken
Business
term
Payment order PAYMUL Description Example
SG Seg DE
F004 Document type 17 DOC 1001 380 = invoice 380
F003 Document number 17 DOC 1004 Reference or invoice number
Invoice no 738
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3.3.1 MESSAGE TO BENEFICIARIES IN CHINA
For payments in CNY offshore to beneficiaries in Mainland China the first line in the message to the
beneficiary must contain one of the following codes:
/CGODDR/ - indicating cross-border goods trade
/CSTRDR/ - indicating cross-border service trade
/CCTFDR/ - indicating cross-border capital transfer
/CCDNDR/ - indicating charity donation
/COCADR/ - indicating other current account transactions
3.3.2 HANDELSBANKEN POLAND
It is mandatory to enter a message to the beneficiary for cross-border payments from accounts in Poland.
The ordering customer has to give the details of the payment. A reference must be stated, e.g. “goods”,
“consulting services”, “loans”, “interest” etc. The invoice number is not sufficient information. The
obligation to supply this information does not depend on the amount of payment.
3.3.3 HANDELSBANKEN SWEDEN
If the reference to the beneficiary is longer than 4x35 characters, there will be a link added to the field
“Message to the beneficiary”, together with a code. The beneficiary will have access to the reference
information via this link. The remitter will receive the information in electronic documents in
Handelsbanken online corporate banking service and by post.
3.3.4 HANDELSBANKEN OTHER COUNTRIES AND OTHER BANKS
When the debit account is situated in another bank, Handelsbanken will forward the payment order via
SWIFT, only 4x35 characters can be included per payment order.
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3.4 Payment-/Currency register-/Central bank code
For certain payment orders, a report must be made to the central bank or similar. Handelsbanken provides
instructions as how reporting of this kind is to be carried out. It is the customer's responsibility to ensure
that the instructions are followed on every payment. The reporting must be according to the rules in the
country where the debit account is held.
Note that the code you report is the payment-/currency register-/central bank code for the country where the
debit account is held.
An obligation to report applies in the following countries:
France
Latvia
Norway
Sweden
If payments are initiated from accounts held with other banks, reporting may apply. Please contact your
local bank for further information.
Example:
SG 15 RCS –Requirements and conditions
In segment group 15, segment RCS, dataelement 7295, business term D008, Payment/Currency
register/Central bank code is stated.
RCS+13+101:71:265'
RCS+13+26RENT:71:265'
Swedish Bankers’ Association (Bankföreningen) Handelsbanken
Business
term
Payment order PAYMUL Description Example
SG Seg DE
D008 Payment code Currency register code Central bank code
15 RCS 7295 265 = Code for the Swedish Central bank, Sveriges Riksbank Entered when reporting will be done, regardless of where the debit account is located
Additional information is only used in Luxembourg and Norway. A total of 17 characters can be entered.
Used according to the rules of the Central bank or similar where the debit account is held.
101
26RENT
Implementation guide
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3.4.1 FRANCE
A central bank code must be entered for non-SEPA cross-border payments exceeding a counter value in
EUR stipulated by the Banque de France. A list of the most frequently used central banks codes is shown
below. For more information and a complete list of payment codes, please see
https://www.banque-france.fr/economie-et-statistiques/espace-declarants/reglementation-de-la-balance-des-
paiements-et-de-la-position-exterieure/recueil-des-modalites-declaratives-a-lattention-des-declarants-
directs-generaux/collecte-des-flux-mensuels-c80.html?key=1-7
Code Description
150 International trading
213 Travelling expense Sea
223 Travelling expense Air
233 Travelling expense Train
240 Travelling expense Other
250 Insurance premiums
261 Royalties for licences and patents
263 IT services
293 Dividend
294 Loan interest
312 Salary and bonuses
314 Pensions
350 Telecommunications (Internet)
351 Advertising
353 Rent
380 Unilateral Transfer
420 Loan > 1 yr intra-group
428 Loan > 1 yr
520 Loan < 1 yr
526 Foreign investment
3.4.2 LATVIA
A central bank code must be entered when the payment exceeds a countervalue in EUR stipulated by the
Bank of Latvia. For more information and a complete list of payment codes, please see
http://www.handelsbanken.se/shb/inet/icentsv.nsf/vlookuppics/y_bankarenden_foretag_latvijas_banka_list_
of_external_payment_codes/$file/latbanklistextpaycod.pdf
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3.4.3 NORWAY
Each separate payment through a Norwegian bank to a beneficiary domiciled outside Norway or to a bank
outside Norway (in foreign currency or Norwegian kroner) must be reported to Toll og Avgiftsdirektoratet
(TOD) by the intermediary bank. A list of the currency register codes is given below.
We refer to the Norwegian customs http://www.toll.no/default.aspx?id=3&epslanguage=EN and the
Norwegian currency register law http://www.lovdata.no/info/lawdata.html for further information.
As a complement to the currency register code the reason for the payment must be written in full.
Code Description
14 Purchase/sale of goods
26 Rent
29 Other purchase/sale of service
31 Interest
35 Dividend
38 Other return on capital
41 Purchase/sale of real estate and activated options abroad
43 Purchase/sale of shares and units, referring to direct investment
45 Direct investment in other capital
51 Purchase/sale of shares and units, referring to portfolio investment
52 Purchase/sale of bonds and certificates, referring to portfolio investment
53 Purchase/sale of derivatives, referring to portfolio investment
71 Life assurance/pension
79 Other finance investments
81 Salary
82 Inheritance, gift etc.
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3.4.4 SWEDEN
Each individual payment via a Swedish bank to a beneficiary domiciled outside Sweden (in a foreign
currency or in Swedish kronor) that exceeds a counter value stipulated by the National Tax Board
(Riksskatteverket) must be reported to the tax board by the intermediary bank.
A list of the most frequently used payment codes is given below. For more information and a complete list
of payment codes please see http://www.skatteverket.se/ and the brochure ”Kontrolluppgifter, – ränta,
utdelning m.m.” (SKV 373).
3.5 Charges allocation within EU/EEA
According to National implementation of the PSD2 regulation (Payment Service Directive), it is from the
beginning of January 2018 no longer be possible to use OUR/BEN for cost sharing in cross border
payments within EU/EEA, regardless of currency with or without exchange. The generic charge allocation
code in segment group 4, segment FCA, dataelement 4471, business term D024 or the generic charge
allocation code in segment group 11, segment FCA, dataelement 4471, business term D007 should then be
set to 14 (=SHA).
The adoption of the PSD2 regulation in local law will be made at different dates in the European countries
during 2018, please contact your local branch for more information. If the debit account of the cross border
payment is in a country where PSD2 has entered into force, only the cost sharing SHA is allowed. For file
transfers, Handelsbanken will automatically convert the cost sharing to SHA if OUR/BEN has been used, in
accordance to the regulation.
Code Description
101 Imports/exports of goods
122 Goods that have not passed the Swedish border; purchase of goods abroad with a view to selling
them.
130 Freight of goods imported to Sweden
131 Freight of goods exported from Sweden
173 Storage, shipping, transit, port, and terminal costs, etc.
223 Other travel expenses (expenditure for hotels, courses, conferences, etc.)
331 Fees and commission on bank-, broker and management services etc.
410 Computing services (hardware and software consultancy and implementation, data processing,
etc.)
423 Royalties and licence fees for the use of proprietary rights.
440 Advertising, market research and public opinion polls
442 Architectural, engineering and other technical services
462 Other services
473 Commission related to the intermediation of goods
560 Other transfers (damages, alimony, membership, fees, and gifts incl. taxes, etc.)
601 In Sweden (foreign owner). Loan to/from foreign owner.
603 Outside Sweden (Swedish owner). Loan to/from foreign subsidiary/group company.
683 Loan to party outside Sweden (asset). Loan to party outside Sweden/amortisation of loan to party
outside Sweden.
793 Other capital transactions.
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3.6 Payments in CNY offshore to Mainland China
For payments in CNY offshore to Mainland China, National bank Id together with BIC is mandatory.
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4 File examples
4.1 China
Normal cross-border payment from China to Sweden.
UNH+0603+PAYMUL:D:96A:UN:SF4611'
BGM+452+000002357220+9'
DTM+137:20150927:102'
LIN+1'
DTM+203:20150927:102'
RFF+AEK:000001122331'
BUS++IN'
MOA+9:200000:CNY'
FII+OR+ 1234567899:3321251633::CNY+HANDCNSH:25:5+CN’
SEQ++1'
MOA+9:200000:CNY'
RFF+CR:58761149'
PAI+80’
FCA+14’
FII+BF+SE2660000000000235192252+HANDSESS:25:5+SE'
NAD+BE+++SVENSK FABRIK AB+SVENSKGATAN 2+YSTAD++23200+SE'
GIS+10'RCS+13+200:71:265'
PRC+8'
DOC+380+000029'
MOA+77:200000:CNY'
GIS+37'
MOA+128:200000'
CNT+2:1’
UNT+25+0603’
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4.2 Denmark
Normal cross-border payment from Denmark to Sweden.
UNH+0603+PAYMUL:D:96A:UN:SF4611'
BGM+452+000002357220+9'
DTM+137:20160227:102'
LIN+1'
DTM+203:20160227:102'
RFF+AEK:000001122331'
BUS++IN'
MOA+9:3425:DKK'
FII+OR+DK0708900001002151:3321251633::DKK+HANDDKKK:25:5+DK’
SEQ++1'
MOA+9:3425:DKK'
RFF+CR:58761149'
PAI+80’
FCA+14’
FII+BF+SE2660000000000235192252+HANDSESS:25:5+SE'
NAD+BE+++SVENSK FABRIK AB+SVENSKA VÄGEN 2+ARLÖV++23200+SE'
GIS+10'
RCS+13+101:71:265'
PRC+8'
DOC+380+000029'
MOA+77:3425:DKK'
GIS+37'
MOA+128:3425'
CNT+2:1’
UNT+25+0603’
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Version 1.5.6 Publishing date 13 December 2017
4.3 Estonia
Normal cross-border payment from Estonia to Sweden.
UNH+0603+PAYMUL:D:96A:UN:SF4611'
BGM+452+000002357220+9'
DTM+137:20150927:102'
LIN+1'
DTM+203:20150927:102'
RFF+AEK:000001122331'
BUS++IN'
MOA+9:200000:EUR'
FII+OR+ EE918300008300001015:3321251633::EUR+HANDEE22:25:5+EE’
SEQ++1'
MOA+9:200000:EUR'
RFF+CR:58761149'
PAI+80’
FCA+14’
FII+BF+SE2660000000000235192252+HANDSESS:25:5+SE'
NAD+BE+++SVENSK FABRIK AB+SVENSKGATAN 2+YSTAD++23200+SE'
GIS+10'
RCS+13+200:71:265'
PRC+8'
DOC+380+000029'
MOA+77:200000:EUR'
GIS+37'
MOA+128:200000'
CNT+2:1’
UNT+25+0603’
Implementation guide
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Version 1.5.6 Publishing date 13 December 2017
4.4 Latvia
Normal cross-border payment from Latvia to Sweden
UNH+0603+PAYMUL:D:96A:UN:SF4611'
BGM+452+000002357220+9'
DTM+137:20150927:102'
LIN+1'
DTM+203:20150927:102'
RFF+AEK:000001122331'
BUS++IN'
MOA+9:2000:EUR'
FII+OR+ LV44HAND0008300000951:3321251633::EUR+HANDLV22:25:5+LV’
SEQ++1'
MOA+9:2000:EUR'
RFF+CR:58761149'
PAI+80’
FCA+14’
FII+BF+SE2660000000000235192252+HANDSESS:25:5+SE'
NAD+BE+++SVENSK FABRIK AB+SVENSKGATAN 2+YSTAD++23200+SE'
GIS+10'
RCS+13+111:71:265'
PRC+8'
DOC+380+000029'
MOA+77:2000:EUR'
GIS+37'
MOA+128:2000'
CNT+2:1’
UNT+25+0603’
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4.5 Lithuania
Normal cross-border payment from Lithuania to Sweden
UNH+MESS1+PAYMUL:D:96A:UN:SF4611'
BGM+452+090924-1+9'
DTM+137:20150924:102'
LIN+1'
DTM+203:20151228:102'
RFF+AEK:000003322331'
BUS++IN'
MOA+9:3:EUR'
FII+OR+LT572120083000004803:3321251633::EUR+HANDLT2X:25:5+LT'
SEQ++1'
MOA+9:3:EUR'
RFF+CR:12345677'
PAI+80'
FCA+14'
FII+BF+DK3630001234567890+DABADKKK:25:5+DK'
NAD+BE+++DANSK FABRIK A/S+DANSK VEJ 2+SOROE++4180+DK'
GIS+10'
RCS+13+101:71:265'
PRC+11'
FTX+PMD+++invoice 0001129'
GIS+37'
CNT+2:1'
UNT+23+MESS1'
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4.6 Poland
Normal cross-border payment from Poland to Sweden.
UNH+0603+PAYMUL:D:96A:UN:SF4611'
BGM+452+000002357220+9'
DTM+137:20150227:102'
LIN+1'
DTM+203:20150227:102'
RFF+AEK:000001122331'
BUS++IN'
MOA+9:3425:EUR'
FII+OR+ PL71225000010000009000011201:3321251633::EUR+HANDPLPW:25:5+PL’
SEQ++1'
MOA+9:3425:EUR'
RFF+CR:58761149'
PAI+80’
FCA+14’
FII+BF+SE2660000000000235192252+HANDSESS:25:5+SE'
NAD+BE+++SVENSK FABRIK AB+SVENSKA VÄGEN 2+ARLÖV++23200+SE'
GIS+10'
RCS+13+101:71:265'
PRC+8'
DOC+380+000029'
MOA+77:3425:EUR'
GIS+37'
MOA+128:3425'
CNT+2:1’
UNT+25+0603’
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4.7 Sweden
Normal cross-border payment from Sweden to Denmark.
No reporting will be made to the central bank.
UNH+0603+PAYMUL:D:96A:UN:SF4611'
BGM+452+000002357220+9'
DTM+137:20150227:102'
LIN+1'
DTM+203:20150227:102'
RFF+AEK:000001122331'
BUS++IN'
MOA+9:3425:DKK'
FII+OR+SE4460000000000047011769:3321251633::DKK+HANDSESS:25:5+SE'
SEQ++1'
MOA+9:3425:DKK'
RFF+CR:58761149'
PAI+80’
FCA+14’
FII+BF+DK3630001234567890+DABADKKK:25:5'
NAD+BE+++DANSK FABRIK A/S+DANSK VEJ 2+SOROE++4180+DK'
GIS+10'
RCS+13+101:71:265'
PRC+11'
FTX+PMD+++invoice 000029'
GIS+37'
CNT+2:1’
UNT+23+0603’