Version 1.5.6 Publishing date 13 December 2017 · PDF file ·...

Implementation guide

Cross-border payments

EDIFACT PAYMUL format

Version 1.5.6

Publishing date 13 December 2017


EDIFACT PAYMUL format Cross-border payments (29)

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




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.




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

https://www.swedishbankers.se/fraagor-vi-arbetar-med/betalningar/standarder/finansiell-edifact/




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.




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





(Bankföreningen)

Handelsbanken

Business

term

Ref.no.

Payment order

Name


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


C004 Ordering customer’s postcode


C005 Ordering customer’s postal address


C006 Ordering customer’s country code


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


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.





(Bankföreningen)

Handelsbanken

Business

term

Ref.no.

Payment order

Name


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


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





(Bankföreningen)

Handelsbanken

Business

term

Ref.no.

Payment order

Name


SG Seg DE

C056 Recipient of advice 2 14 INP 3285 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.


C068 Account servicing financial institution, name


C069 Account servicing financial institution, town


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


C080 Party enacting advice 3, code

14 INP 3301 Not used

C081 Recipient of advice 3, code 14 INP 3285 Not used


C083 Beneficiary’s province/country/state


C085 Advice information 1, free text

14 FTX 4440 Not used





C089 Ordering customer’s province/country/state






(Bankföreningen)

Handelsbanken

Business

term

Ref.no.

Payment order

Name


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





(Bankföreningen)

Handelsbanken

Business

term

Ref.no.

Payment order

Name


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





(Bankföreningen)

Handelsbanken

Business

term

Ref.no.

Payment order

Name


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





(Bankföreningen)

Handelsbanken

Business

term

Ref.no.

Payment order

Name


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


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



16 FTX 4440 Unstructured reference/message to the beneficiary Max 4 X 35 characters/payment


F013 Text, language 10 FTX 3453 Not used






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.




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

http://www.ecbs.org/iban/iban.htm#country




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


16 FTX 4440 Unstructured reference/message to the beneficiary Max 4 X 35 characters/payment

Invoice no 738


Business

term


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




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.




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'


Business

term


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

http://www.handelsbanken.se/shb/Inet/ICentSv.nsf/Default/q13A78E09620C73AAC1256F630047342B?opendocument&frame=0#Norway&docname=undefined

http://www.handelsbanken.se/shb/Inet/ICentSv.nsf/Default/q13A78E09620C73AAC1256F630047342B?opendocument&frame=0#Sweden&docname=undefined




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

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%20



http://www.handelsbanken.se/shb/inet/icentsv.nsf/vlookuppics/y_bankarenden_foretag_latvijas_banka_list_of_external_payment_codes/$file/latbanklistextpaycod.pdf

http://www.handelsbanken.se/shb/inet/icentsv.nsf/vlookuppics/y_bankarenden_foretag_latvijas_banka_list_of_external_payment_codes/$file/latbanklistextpaycod.pdf




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.

http://www.toll.no/default.aspx?id=3&epslanguage=EN

http://www.lovdata.no/info/lawdata.html




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.

http://www.skatteverket.se/




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.




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’




4.2 Denmark

Normal cross-border payment from Denmark to Sweden.


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’


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’




4.3 Estonia

Normal cross-border payment from Estonia to Sweden.


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’



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’




4.4 Latvia

Normal cross-border payment from Latvia to Sweden


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’



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’




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'




4.6 Poland

Normal cross-border payment from Poland to Sweden.


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’


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’




4.7 Sweden

Normal cross-border payment from Sweden to Denmark.

No reporting will be made to the central bank.


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’

Version 1.5.6 Publishing date 13 December 2017 · PDF file ·...

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