ING Camt 053 Format ING Group

ING

CAMT.053.001.02

Format Description

ING Group Standard

February 2014

CAMT.053.001.02 Format Description ING GROUP February 2014 1

Camt.053.001.02

The camt.053.001.02 Bank to Customer Statement Message is a standard ISO 20022 message for electronic banking statements (www.iso20022.org). This format description is applicable to current Dutch accounts held at ING, reported through FTP, SwiftNet FileAct and IBP and for Slovakian Accounts reported through ING Online. This format description provides guidelines to enable companies to implement the camt.053 Customer Statement Message into their systems as configured by ING. Please note: This format description is an addition to the current ISO 20022 camt.053.001.02

Message Definition Report. Only EUR accounts are supported. Only the Message Items with an ING specific content or items requiring extra

explanation are mentioned in this document. ING delivers all mandatory items in the camt.053 message. The optional items, which are not described in this document are currently not provided

by ING or could be ignored. Country specific settings ING country specific settings can be found in chapter Country specific settings. For Dutch accounts the document is an appendix to the Dutch camt.053 Implementation Guidelines version 1.0 as provided by the Dutch Banking Association (NVB) (www.betaalvereniging.nl).


Content

Camt.053.001.02 ............................................................... 1

Explanation of notation ...................................................... 3

Structure camt.053 message ............................................... 4

Message item description .................................................. 5

Country specific items ...................................................... 11

Appendix camt.053 examples ............................................ 17

Appendix ISO Transaction Codification .............................. 18

Appendix ING Transaction Codification ............................. 20

Appendix ISO Return Reason codes ................................... 25


Explanation of notation

Notation Explanation

ISO index The number of the TAG as stated in the ISO description

Generic index The number of the generic subfields as stated in the ISO description

Level This field indicates the level of each TAG within the account report

TAG name *

The name of the TAG in the account report giving an abbreviation of the content. The star sign refers to more details in chapter Tag Specifics for ING

Message item The content of the TAG written in full Multiplicity "[n..m]" reflects the number of occurrences of the tag (minimum (n)

and maximum (m)). + The plus sign (+) refers to the subtags available in the

standard Camt.053 and NVB guidance. These detailed elements are not described in this format as for these components ING follow the standards from Camt.053. The info received in those components will be presented in these components.

Amounts For all amount the separator notation is a dot . Decimals are always reported and the currency code is always reported in the Tag. Example:10000.00.

Date All dates are reported as YYYY-MM-DD following the ISO standard. Example 2013-07-28

Time All times are reported as HH:MM:SS+HH:MM (GMT offset) following the ISO standard. Example: 15:52:48+01:00

2.1 Character set ING uses the UTF8 character set, except the | (pipe) and { } (braces) character.


Structure camt.053 message

Structure of the message

The camt.053 is an end of day statement message. ING will provide this type of messages after closing of each Target day as an electronic file.

A file exists of one group header and at least one statement. Each statement consists of booked and value balance information for one account. Forward available (value) balance is optional. Next to that, all booked entries on the account are reported. By default, a statement will be reported in case of no entries. On request this can be switched off.

An entry of a single payment will contain transaction details. ING Netherlands - An entry of a batch payment, being a (SEPA) Multiple Credit

Transfer or (SEPA) Direct Debit, will contain batch details. As an additional service the transaction details of all the individual payments

within the SEPA Direct Debit or SEPA Multiple Credit Transfer batch can be reported. However this option is not available for domestic Direct Debits and domestic Multiple Credit Transfers.

The structure of the camt.053 message is shown in the picture below.

Camt.053 Index Name Repeat

1.0 Group header 1

2.0 Statement 1-n

2.23 Balance 4-n

2.76 Entry 0-n

2.135 Entry details 0-n

2.136 Batch 0-1

2.142 Transaction details 0-n


Message item description

Group Header

This Group Header segment is mandatory and occurs only once in a message. It contains elements such as Message Identification, Creation Date and Time.

ISO index

Gen Index

Lvl TAG name Message item Mult.

1.0 1 Group header [1..1] 1.1 2 * Message

Identification [1..1]

1.2 2 * Creation Date Time [1..1] 1.3 2 Message Recipient [0..1] 1.3 9.1.0 3 Name [0..1] 1.3 9.1.12 3 Identification [0..1] 1.3 9.1.13 4 Organisation


1.3 9.1.15 5 Other [0..1] 1.3 9.1.16 6 * Identification [1..1]


Statement

This Statement segment is mandatory and repetitive, in case multiple account reporting is selected. It will occur repeatedly for each account for which a statement is provided. The report contains components such as Balance and Entry.

ISO index

Gen Index


2.0 1 Statement [1..1] 2.1 2 * Identification [1..1] 2.2 2 * Electronic Sequence Nr [1..1] 2.4 2 Creation Date Time [1..1] 2.5 2 From To Date [1..1] 2.5 5.1.0 3 * From Date Time [1..1] 2.5 5.1.1 3 * To Date Time [1..1] 2.10 2 Account [1..1] 2.10 1.2.0 3 Identification [1..1] 2.10 1.2.1 4 IBAN [1..1] 2.10 1.2.8 3 Type [0..1] 2.10 1.2.9 4 * Code [0..1] 2.10 1.2.11 3 Currency [1..1] 2.10 1.2.13 3 Owner [1..1] 2.10 1.2.14 4 * Name [1..1] 2.10 1.2.56 3 * Servicer [1..1] 2.10 1.2.57 4 Financial Institution ID [1..1] 2.10 1.2.58 5 * BIC [1..1] 2.10 1.2.77 6 * Identification [0..1] 2.23 2 * Balance [4..n] 2.24 3 Type [1..1] 2.25 4 Code or proprietary [1..1] 2.26 5 * Code [1..1] 2.34 3 Amount [1..1] 2.35 3 Credit Debit Indicator [1..1] 2.36 3 Date [1..1] 2.36 4.1.0 4 Date [0..1] 2.43 2 Transactions Summary [1..1] 2.44 3 Total Nr of Entries [1..1] 2.45 4 Number of Entries [1..1] 2.46 4 Sum [1..1] 2.49 3 Total Credit Entries [1..1] 2.50 4 Number of Entries [1..1] 2.51 4 Sum [1..1]


Entry

This Entry segment is optional. In case of a zero statement this building block will not be present.

ISO index

Gen Index


2.52 3 Total Debit Entries [1..1] 2.53 4 Number of Entries [1..1] 2.54 4 Sum [1..1]

ISO index

Gen Index


2.76 2 Entry [0..1] 2.77 3 Entry reference [0..1]

2.78 3 * Amount [1..1]

2.79 3 * Credit Debit indicator

[1..1]

2.80 3 * Reversal Indicator [0..1] 2.81 3 * Status [1..1] 2.82 3 Book Date [1..1] 2.82 4.1.0 4 Date [1..1] 2.83 3 Value Date [1..1] 2.83 4.1.0 4 Date [1..1] 2.84 3 * Account Servicer

Reference [0..1]

2.91 3 Bank Transaction Code

[1..1]

2.92 4 Domain [1..1] 2.93 5 * Code [1..1] 2.94 5 Family [1..1] 2.95 6 Code [1..1] 2.96 6 * Subfamily code [1..1] 2.97 4 Proprietary [0..1] 2.98 5 * Code [0..1] 2.99 5 * Issuer [0..1]


Entry Details This Entry Details segment is conditional, meaning if the "Entry" segment is reported, the "Entry Details" segment will also be reported. This Entry details consists of a Batch segment and/or Transaction details segment.

ISO index

Gen Index


2.135 3 Entry Details [0..1]

Batch Details This Batch segment is conditional and only reported in case of a batch booking.

ISO index

Gen Index


2.136 4 Batch [0..1] 2.138 5 Payment

Information Identification

[0..1]

2.139 5 Number Of Transactions

[0..1]


Transaction Details

This Transaction Details segment is conditional, meaning it will only be reported in case of a single transaction. And is optional in case of a SEPA Multiple credit transfer or SEPA Direct Debit batch booking.

2.164 6 * Domain [0..1] +

2.169 6 Proprietary [0..1] 2.170 7 * Code [0..1] 2.171 7 * Issuer [0..1] 2.199 5 Related Parties [0..1] 2.201 6 Debtor [0..1] 2.201 9.1.0 7 Name [0..1] 2.201 9.1.1 7 * Postal address [0..1]

+ 2.201 9.1.8 7 Identification [0..1]

+ 2.202 6 Debtor Account [0..1]

+ 2.202 1.1.0 7 Identification [0..1] 2.202 1.1.1 8 IBAN [0..1] 2.202 1.1.2 8 Other [0..1] 2.202 1.1.3 9 Identification [0..1]

+ 2.203 6 Ultimate Debtor [0..1] 2.203 9.1.0 7 Name [0..1] 2.203 9.1.12 7 Identification [0..1]

+ 2.204 6 Creditor [0..1]

ISO index

Gen Index


2.142 4 Transaction Details [0..1] 2.143 5 References [0..1] 2.146 6 Payment Information


2.148 6

End To End Identification

[0..1]

2.150 6 Mandate Identification

[0..1]

2.156 5 Amount Details [0..1] 2.156 2.1.0 6 Instructed Amount [0..1] 2.156 2.1.9 6 Transaction Amount [0..1] 2.163 5 * Bank Transaction

Code [0..1]


ISO index

Gen Index


2.204 9.1.0 7 Name [0..1] 2.204 9.1.1 7 * Postal address [0..1]

+ 2.204 9.1.12 7 Identification [0..1]

+ 2.205 6 Creditor Account [0..1] 2.205 1.1.0 7 Identification [0..1]

+ 2.206 6 Ultimate Creditor [0..1] 2.206 9.1.0 7 Name [0..1] 2.206 9.1.12 7 Identification [0..1]

+ 2.211 5 Related Agents [0..1] 2.212 6 * Debtor Agent [0..1]

+ 2.213 6 * Creditor Agent [0..1]

+ 2.224 5 Purpose [0..1] 2.225 6 Code [0..1] 2.234 5 Remittance Information [0..1] 2.235 6 Unstructured [0..1] 2.236 6 Structured [0..1] 2.256 7 Creditor Reference

Information [0..1]

2.257 8 Type [0..1] 2.258 9 Code Or Proprietary [0..1] 2.259 10 * Code [0..1] 2.261 9 * Issuer [0..1] 2.262 8 * Reference [0..1] 2.266 5 Related Dates [0..1] 2.293 5 Return Information [0..1] 2.304 6 Reason [0..1] 2.305 7 * Code [0..1] 2.307 6 Additional Information [0..1] 2.313 5 Additional Transaction

Information [0..1]

2.314 3 Additional Entry Information

[0..1]

2.315

2 Additional Statement Information

[0..1]


Country specific items

Group Header

The content of some Tags may differ per country. In this chapter the differences are listed. In case no country is mentioned, the setting is applicable to all countries providing ING camt.053.001.02. The following tag specifics are applicable to Group Header.

1.1 MessageIdentification

Unique Message Identification assigned by ING

ING Netherlands Format _ Example: 201312180006377_20131219013504097 ING Slovakia Format Example: INGBSKBXXXX-2013-11-27-178459-0002

1.2 CreationDateTime

ING Netherlands Format Example: 2013-12-05T01:55:05.244+01:00

ING Slovakia Format Example: 2013-12-05T01:55:05+01:00 1.3 Identification (9.1.16)

Filled with the ING client identification number.


Statement The following tag specifics are applicable to Statement:

2.1 Identification Unique identification number per statement E.g.

2.2 ElectronicSequenceNumber Sequence number added by ING. Reset on the 1st target day of the year.

2.5 FromDateTime ING Netherlands

Format: Example: 2013-10-23T00:00:00

ING Slovakia Date value is equal to previous closing date. Format: Example: 2013-10-22T23:59:59

2.5 ToDateTime

Format: Example: 2013-10-23T23:59:59

2.10 (1.2.9) Code Fixed value: CACC (Current account)

2.10 (1.2.14) Name The name of the account owner

2.10 (1.2.58) BIC ING Netherlands

NL: INGBNL2A ING Slovakia SK: INGBSKBXXXX

2.10 (1.2.77) Identification ING Netherlands Not used ING Slovakia Local Slovak Bank Identification of ING: 7300


Balances 2.23 Balance

Five types of balances can be reported: Previous closed booked balance: Contains closing booked balance and date of the previous sent statement. Opening booked balance: Contains opening booked balance of the reported period. The date is equal to the first book date of the reported period. (The amount must be equal to the amount of the previous closing balance) Closing booked balance: Contains the closing booked balance of the reported period. The date is equal to the last book date of the reported period. Closing available balance: Contains the closing value balance of the reported period. Forward available balance: Optional, multiple occurrences possible. Contains Forward value balances.

ING Netherlands A maximum of 2 Forward available balances can be reported. ING Slovakia Opening booked balance is not used. A maximum of 1 Forward available balances can be reported.

2.26 Code (to the balance)

Values: PRCD (previous closing booked balance) OPBD (Opening booked balance) CLBD (closing booked balance) CLAV (Closing value balance) FWAV (Forward value balance)


Entry The following tag specifics are applicable to Entry:

2.78 Amount Amount including currency code

Example: 123.00

2.81 Status Fixed value: BOOK

2.84 Account Servicer Refence Contains ING Reference

Bank transaction Code

2.91 Bank transaction code For Bank transaction codes the ISO transaction codes and ING Bank transaction codes are used as listed in the appendix of this document. 2.93 Code (to Bank transaction code)

ISO Code ISO Transaction Codification (see appendix)

2.96 Subfamily Code (to Bank transaction code) ISO Transaction Codification (see appendix)

2.98 Code (to Proprietary) ING Code ING transaction code (see appendix)

2.99 Issuer (to Proprietary) Fixed value: ING Group


Entry Details The following tag specifics are applicable to Entry Details:

None

Batch Details The following tag specifics are applicable to Batch Details:

None


Transaction The following tag specifics are applicable to Transaction details: Details

2.163 Bank transaction code Only filled in case of transaction details of global booking

2.164 Domain ISO bank Transaction code (see appendix)

2.170 Code (to Proprietary) ING transaction code (see appendix)

2.171 Issuer (to Proprietary) Fixed value: ING Group

2.201 Postal address (to debtor) Depending on settings agreed upon

2.204 Postal address (to creditor) Depending on settings agreed upon

2.212 Debtor Agent BIC of counterparty only

2.213 Creditor Agent BIC of counterparty only

2.259 Code (to Remittance Information) Fixed value: SCOR

2.261 Issuer (to Remittance Information) ING Netherlands

Value is ISO or CUR for Dutch Betalingskenmerk acceptgiro ING Slovakia

Structured remittance is not applicable 2.262 Reference (to Proprietary)

Payment reference

2.305 Code (to Return information) Details see appendix ISO Return Reason codes 2.313 Additional Transaction Information Filled in case of non-SEPA Payments


Appendix camt.053 examples

Examples can be found on www.ing.nl/bestandsformaten


Appendix ISO Transaction Codification For complete ISO table and detailed description and usage of the codes see

www.ISO20022.org

Domain Code ACMT

Account Management Family Sub family Description Subfield code

ACOP VALD Value Date

ADOP VALD Value Date

MCOP ADJT Adjustments (Generic)

INTR Interests (Generic)

MDOP FEES Fees (Generic)

Domain Code CAMT

Cash Management Family

Sub family

Description Subfield code

ACCB SWEP Sweeping

TOPG Topping

ZABA Zero Balancing

Domain code LDAS

Loans, Deposits &

Syndications

Family

Sub family


CSLN DDWN Drawdown

PPAY Principal Payment

MGLN DDWN Drawdown

PPAY Principal Payment

Domain PMNT -

Payment

Family

Sub family


CCRD CAJT Credit Adjustments (Generic)

CDPT Cash Deposit

CWDL Cash Withdrawal

DAJT Debit Adjustments (Generic)

POSC Credit Card Payment

POSD Point-of-Sale (POS) Payment - Debit Card

SMRT Smart-Card Payment

XBCW Cross-Border Cash Withdrawal

CNTR BCDP Branch Deposit

BCWD Branch Withdrawal

CAJT Credit Adjustments (Generic)

CDPT Cash Deposit

CHKD Check Deposit

CWDL Cash Withdrawal

FCDP Foreign Currencies Deposit

FCWD Foreign Currencies Withdrawal

MSCD Miscellaneous Deposit

TCDP Travellers Cheques Deposit

TCWD Travellers Cheques Withdrawal

ICCN ACON ACH Concentration

ICDT BOOK Internal Book Transfer

CHGS Charges (Generic)

DMCT Domestic Credit Transfer

ESCT SEPA Credit Transfer

PRCT Priority Credit Transfer

RRTN Reversal Due To Payment Return

SALA Payroll/Salary Payment

STDO Standing Order

XBCT Cross-Border Credit Transfer

ICHQ BCHQ Bank Cheque

CCHQ Cheque

IDDT BBDD SEPA B2B Direct Debit

ESDD SEPA Core Direct Debit

OODD One-Off Direct Debit

PADD Pre-Authorised Direct Debit

PMDD Direct Debit


Family

Sub family


UPDD Unpaid Direct Debit

MCOP ADJT Adjustments (Generic)

OTHR Other

MCRD OTHR Other

POSC Credit Card Payment

POSP Point-of-Sale (POS) Payment

SMCD Smart-Card Payment

UPCT Unpaid Card Transaction

MDOP ADJT Adjustments (Generic)

CHRG Charges (Generic)

OTHR Other

RCCN ACON ACH Concentration



RCDT BOOK Internal Book Transfer



DMCT Domestic Credit Transfer

ESCT SEPA Credit Transfer

PRCT Priority Credit Transfer

RRTN Reversal Due To Payment Return

STDO Standing Order

XBCT Cross-Border Credit Transfer

RCHQ CCHQ Cheque

RDDT BBDD SEPA B2B Direct Debit



ESDD SEPA Core Direct Debit

OODD One-Off Direct Debit

PADD Pre-Authorised Direct Debit

PMDD Direct Debit

PRDD Reversal Due To Payment Reversal

RCDD Reversal Due To Payment Cancellation Request

UPDD Unpaid Direct Debit


Appendix ING Transaction Codification Code Description

00000 Miscellaneous

00100 SEPA Credit Transfer

00101 SEPA Credit Transfer (paper based)

00102 SEPA Credit Transfer (Intracompany)

00103 European Credit Transfer

00104 SEPA Standing Order

00106 SEPA iDEAL payment

00107 SEPA E-invoice payment (FINBOX)

00108 IBAN Acceptgiro

00150 SEPA Credit Transfer (Urgent)

00170 SEPA Credit Transfer (loan pay-off)

00190 Return SEPA Credit Transfer

00192 Return SEPA Credit Transfer (Intracompany)

00193 Return SEPA Credit Transfer (Urgent)

00196 Return iDEAL

00200 SEPA Multiple Credit Transfer

00201 SEPA Credit Transfer

00202 SEPA Multiple Credit Transfer Salary Batch

00203 SEPA Credit Transfer (Salary)

00206 iDEAL merchant payment

00207 iDEAL payment

00250 Reject Domestic Multiple Credit Transfer

00291 Return Salary Payment

00300 Domestic Credit Transfer

00301 Domestic Credit Transfer (paper)

00302 Domestic Credit Transfer (phone)

00303 Domestic Credit Transfer (counter)

00304 Domestic Standing Order

00305 Domestic iDEAL payment

00306 Domestic E-invoice payment (FINBOX)

00350 Domestic Urgent Credit Transfer

00351 Domestic Urgent Credit Transfer (fax)

00353 Domestic Urgent Credit (counter)

00360 Acceptgiro

00361 Acceptgiro Storting

00370 Domestic Credit Transfer from/to Savings account

00371 Domestic Credit Transfer (loan pay-off)

00390 Domestic Credit Transfer (return)

00393 Domestic Standing Order (return)

00395 iDEAL (return)

00396 Acceptgiro (return)

00400 Domestic Multiple Credit Transfer

00401 Domestic Multiple Credit Transfer item

00500 True International Payment

00501 True International Payment (shared)


Code Description

00502 True International Payment (our)

00503 True International Payment (beneficiary)

00510 True International Payment counter

00511 True International Payment SHA (paper)

00512 True International Payment OUR (paper)

00513 True International Payment BEN (paper)

00550 True International Payment (prio)

00590 Correction True International Payment

01000 SEPA Direct Debit Batch

01001 SEPA Direct Debit

01010 SEPA Direct Debit Batch - Core

01011 SEPA Core Direct Debit item- One Off

01012 SEPA Core Direct Debit item - First

01013 SEPA Core Direct Debit item - Recurrent

01014 SEPA Core Direct Debit item - Last

01015 SEPA Direct Debit - Core

01016 SEPA Direct Debit - Core One Off

01017 SEPA Direct Debit - Core First

01018 SEPA Direct Debit - Core Recurrent

01019 SEPA Direct Debit - Core Last

01020 SEPA Direct Debit Batch - B2B

01021 SEPA B2B Direct Debit item - One Off

01022 SEPA B2B Direct Debit item - First

01023 SEPA B2B Direct Debit item - Recurrent

01024 SEPA B2B Direct Debit item - Last

01025 SEPA Direct Debit - B2B

01026 SEPA Direct Debit - B2B One Off

01027 SEPA Direct Debit - B2B First

01028 SEPA Direct Debit - B2B Recurrent

01029 SEPA Direct Debit - B2B Last

01036 SEPA Direct Debit - One Off

01037 SEPA Direct Debit - First

01038 SEPA Direct Debit - Recurrent

01039 SEPA Direct Debit - Last

01040 SEPA Direct Debit Batch Cor1

01045 SEPA Direct Debit Cor1

01046 SEPA Direct Debit Cor1 One Off

01047 SEPA Direct Debit Cor1 First

01048 SEPA Direct Debit Cor1 Recurrent

01049 SEPA Direct Debit Cor1 Last

01050 Domestic Direct Debit batch

01051 Domestic Direct Debit item

01061 Domestic Direct Debit batch (Government )

01090 Domestic Direct Debit Batch Reject

01100 SEPA Direct Debit Batch Reject

01101 SEPA Direct Debit Reject

01102 SEPA Direct Debit One Off Reject


Code Description

01103 SEPA Direct Debit First Reject

01104 SEPA Direct Debit Recurrent Reject

01105 SEPA Direct Debit Last Reject

01111 SEPA Direct Debit Core One Off Reject

01112 SEPA Direct Debit Core First Reject

01113 SEPA Direct Debit Core Recurrent Reject

01114 SEPA Direct Debit Core Last Reject

01115 SEPA Direct Debit Core Reject

01125 SEPA Direct Debit B2B Reject

01126 SEPA Direct Debit B2B One Off Reject

01127 SEPA Direct Debit B2B First Reject

01128 SEPA Direct Debit B2B Recurrent Reject

01129 SEPA Direct Debit B2B Last Reject

01150 Domestic Direct Debit Reject

01201 SEPA Direct Debit Return

01202 SEPA Direct Debit One Off Return

01203 SEPA Direct Debit First Return

01204 SEPA Direct Debit Recurrent Return

01205 SEPA Direct Debit Last Return

01215 SEPA Direct Debit Core Return

01216 SEPA Direct Debit Core One Off Return

01217 SEPA Direct Debit Core First Return

01218 SEPA Direct Debit Core Recurrent Return

01219 SEPA Direct Debit Core Last Return

01225 SEPA Direct Debit B2B Return

01226 SEPA Direct Debit B2B One Off Return

01227 SEPA Direct Debit B2B First Return

01228 SEPA Direct Debit B2B Recurrent Return

01229 SEPA Direct Debit B2B Last Return

01301 SEPA Direct Debit Refund

01302 SEPA Direct Debit One Off Refund

01303 SEPA Direct Debit First Refund

01304 SEPA Direct Debit Recurrent Refund

01305 SEPA Direct Debit Last Refund

01315 SEPA Direct Debit Core Refund

01316 SEPA Direct Debit Core One Off Refund

01317 SEPA Direct Debit Core First Refund

01318 SEPA Direct Debit Core Recurrent Refund

01319 SEPA Direct Debit Core Last Refund

01401 SEPA Direct Debit Reversal

01402 SEPA Direct Debit One Off Reversal

01403 SEPA Direct Debit First Reversal

01404 SEPA Direct Debit Recurrent Reversal

01405 SEPA Direct Debit Last Reversal

01415 SEPA Direct Debit Core Reversal

01416 SEPA Direct Debit Core One Off Reversal

01417 SEPA Direct Debit Core First Reversal

01418 SEPA Direct Debit Core Recurrent Reversal


Code Description

01419 SEPA Direct Debit Core Last Reversal

01425 SEPA Direct Debit B2BReversal

01426 SEPA Direct Debit B2B One Off Reversal

01427 SEPA Direct Debit B2B First Reversal

01428 SEPA Direct Debit B2B Recurrent Reversal

01429 SEPA Direct Debit B2B Last Reversal

01501 SEPA Direct Debit Cancellation

01502 SEPA Direct Debit One Off Cancellation

01503 SEPA Direct Debit First Cancellation

01504 SEPA Direct Debit Recurrent Cancellation

01505 SEPA Direct Debit Last Cancellation

01515 SEPA Direct Debit Core Cancellation

01516 SEPA Direct Debit Core One Off Cancellation

01517 SEPA Direct Debit Core First Cancellation

01518 SEPA Direct Debit Core Recurrent Cancellation

01519 SEPA Direct Debit Core Last Cancellation

01525 SEPA Direct Debit B2BCancellation

01526 SEPA Direct Debit B2B One Off Cancellation

01527 SEPA Direct Debit B2B First Cancellation

01528 SEPA Direct Debit B2B Recurrent Cancellation

01529 SEPA Direct Debit B2B Last Cancellation

02000 Point of Sale

02010 Cross Border Point of Sale

02100 Point of Sale Merchant

02110 Foreign Currency Coins withdrawal counter

02120 Sealbag deposit Foreign Currency bank notes

02130 Returned POS DebitCard

02500 Point of Sale abroad

02510 FCY Mixed withdrawal counter

02901 Dom POS Chipknip global

02902 Dom ATM unload Chipknip (deposit)

02990 Dom ATM load Chipknip

02991 Reject Dom ATM load Chipknip

02992 Reversal Dom POS payment Chipknip

02993 Correction/repair Dom ATM unload Chipknip

02994 Reversal Dom ATM unload Chipknip

03000 ATM Withdrawal

03010 ATM Withdrawal Foreign Currency

03090 Correction Dom Cash withdrawal ATM

03091 ATM Refund

03100 Generic cash withdrawal ATM CreditCard

03200 Cash Withdrawal

03700 Cash deposit

03804 Sealbag

04000 Cheques

04001 Travellers Cheques

04002 Bank Cheques


Code Description

05000 Cash Balancing

09000 Miscellaneous (ING)

09001 Cost/Charges

09002 Cost/Charges

09003 Cost/Charges International Payment

09004 Fee

09101 Debit interest

09102 Credit interest

09800 Netting

09801 Netting settlement reversal

09900 Correction

09901 Value Date Correction

09902 Cost/Charges Correction


Appendix ISO Return Reason codes (SCT/SDD)*

The ISO return reason codes in the table below are applicable to:

SEPA Credit Transfer and/ or

SEPA Direct Debit

ISO Return reason

Codes (SCT/SDD)

Code Description SCT SDD

AC01 Incorrect account number X X

AC04 Account closed X X

AC06 Blocked account X X

AC13 Debtor account type is missing or invalid X X

AG01 Transaction forbidden X X

AG02 Invalid bank operation code X X

AM04 Insufficient funds (only reported to debtor) X

AM05 Duplication X X

BE01 Debtors name does not match account holder name X

BE04 Creditor address missing or incorrect X

BE05 Creditor identification incorrect X

CNOR Creditor bank is not registered under this BIC in CSM X X

DNOR Debtor bank is not registered under this BIC in CSM X X

FF01 Operations/transaction code incorrect, invalid file format X X

FF05 Direct Debit Type Incorrect X

FOCR Return following a cancellation request X

MD01 No mandate X

MD02 Missing or Incorrect Mandatory Mandate Information X

MD06 Return of funds requested by end customer X

MD07 End customer deceased X X

MS02 Reason has not been specified by end customer X X

MS03 Reason has not been specified by Agent X X

RC01 Bank identifier incorrect X X

RR01 Regulatory reason X X

RR02 Specification of debtor's name and/or address needed for reasons

of regulatory requirements is insufficient or missing

X X

RR03 Missing creditor name or address X X

RR04 Regulatory reason X X

SL01 Due to specific services offered by debtor agent X

TM01 File received after Cut-off Time X

* Ensure the above listed ISO Return Reason codes can be handled by your IT system.

For the actual reason codes see www.ISO20022.org


Appendix ISO Return Reason codes (Other)*

The ISO return reason codes in the table below are generic codes that can

occur in payment processing, including SEPA transactions.

ISO Return reason

Codes (Other)

Code Description

AC03 InvalidCreditorAccountNumber

AGNT Incorrect agent

AM01 ZeroAmount

AM02 NotAllowedAmount

AM06 TooLowAmount

AM07 BlockedAmount

AM09 WrongAmount

AM10 InvalidControlSum

ARDT AlreadyReturnedTransaction

BE06 UnknownEndCustomer

CURR IncorrectCurrency

CUST RequestedByCustomer

CUTA Cancelation requested because an investigation has been requested and no

remediation is possible

DT01 InvalidDate

ED01 CorrespondentBankNotPossible

ED03 BalanceInfoRequest

ED05 SettlementFailed

EMVL EMV Liability Shift

MD04 Invalid Fileformat

MD05 Creditor/creditor's agent should not have collected the DD

NARR Narrative

NOAS NoAnswerFromCustomer

NOOR NoOriginalTransactionReceived

PINL PIN Liability Shift

PY01 Correspondent bank not possible

RC07 InvalidCreditorBICIdentifier

RF01 NotUniqueTransactionReference

SL02 Specific Service offered by Creditor Agent

SVNR ServiceNotRendered

TECH Technical problems resulting in erroneous SDD's

XT78 Check on compensation amount in refunds failed

XT79 Debtor agent not allowed to receive DD

XT80 Credit agent not allowed to send DD

XT87 R-Msg not following same DP route / sending DP not identical to instructing /

instructed agent of the original transaction

* Ensure the above listed ISO Return Reason codes can be handled by your IT system.

For the actual reason codes see www.ISO20022.org


26

55

50

01

14

More information

For more information about ING camt.053.001.02 Format Description, please contact your ING account manager.

ING Camt 053 Format ING Group

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Transcript of ING Camt 053 Format ING Group