business on line customer handbook - bank of ireland
TRANSCRIPT
Business On LineCustomer Handbook
Contents
Part 1: Business On Line
Section 1. General 1.1 Benefits of Business On Line 1.2 Service Levels
Section 2. Customer support 2.1 Help Screens 2.2 Customer Support Unit 2.3 Additional Support 2.4 Problem Solving Procedures
Section 3. Technical specifications
Section 4. System Security 4.1 The Internet 4.2 Banking Security Encryption Digital Certificates System Design4.3 Customer Security
Section 5. Do's & Dont's
Section 6. Domestic and International Payment Deadlines
Part 2: Business On Line Payments Plus
Section 1. General1.1 Benefits of Business On Line Payments Plus1.2 Available Functionality
Section 2. Customer Support2.1 Contextual On-screen Help2.2 Customer Support Unit2.3 Additional Support2.4 Problem Solving Procedures
Section 3. Technical Specifications
Section 4. System Security4.1 The Internet4.2 Secure FTP Portal4.3 Bank Security Digipass4.4 Customer Security
Section 5. Do’s and Don’ts
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Part 1: Business On Line (ROI only)
Section 1. General
1.1 Benefits of Business On Line.Business On Line: The Business Banking Solution
Business On Line is a versatile, easy to use and cost effective way to manage your daily banking needs and is accessible from any PC with internet access (only compatible with browser Internet Explorer)
Advantages of using Business On Line (BOL) for your daily banking needs:a) Reduce the time spent making telephone calls to the branch for balances, transactions and doing cheque
searches. Balances & transactions are live and can be viewed throughout the day; transactions can be filtered to find specific information.
b) Reduce your time writing & posting cheques by paying your customers, clients & employees on Business On Line. Payments can be post dated for up to 60 days, allowing you to set-up payments, wages prior to going on business trips or holidays; these can be edited or cancelled up to one day prior to the payment date, subject to cut-off times.
c) Make account transfers throughout the day with immediate effect. Transfer money to any of your own registered business accounts and use those funds with immediate value.
d) Reduce paperwork in the office. All Business On Line transactions are stored electronically for 90 days and can be accessed and/or printed at any time to accommodate company account reconciliation.
e) Customise Business On Line to meet your company’s needs. Give your accounts nicknames to match your filing structure, allow as many users as you wish to access the system and control exactly what each person can do.
f) Business On Line uses quality internet security, combining high end encryption and authorising passwords as well as log on User ID’s and Passwords.
1.2 Service Levels Level 1
� View up-to date balances of single accounts or several accounts simultaneously�View and perform searches on transactions for the previous 90 days (90 day bank statement)� View “Standing Orders” and “Direct Debits” on registered accounts (UK Customers only)�View Credit Card Account balances and transactions� Make payments to Credit Cards.� Perform a cheque search� Rename accounts for ease of use on BOL
Make Payments:� Make “Account Transfers” between your accounts on BOL� Make payments to any person and/or business in BOI or non-BOI accounts within your jurisdiction (“Third Party
Payments”).� Make non urgent payments to any person and/or business in BOI or non-BOI accounts within your jurisdiction
("Third Party Payments" or make SEPA credit transfer (ROI customers only)� Make BACS Payments (UK Customers only), including; Payroll for Employees (Direct Pay), pay creditors using
Direct Credit and collect Direct Debits from customers through manual key-entry or file upload (Import).� Conversion Services (ROI customers only) provides the conversion of EFT (‘Standard 18’ as per Bank of
Ireland’s published version) format credit payment files to SEPA (XML) format and onward processing into SEPA These services include the enrichment of account details (NSC and account number) to IBAN and BIC.
� Future-dated payments (e.g. if away on holiday post date several weeks wages in advance of leaving)� Payments can be cancelled or amended up to two days prior to the date they are due to occur� Stop a cheque� Store up to 200 employees/clients/customers bank details for easy access when making payments
Printing: � Transaction details and payment details can be printed with a 90 day history for the customers own use (e.g.
reconciling their account books)
Diary: � A diary system enables messages from BOL directly to customers.
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Customer Administrator Audit Log: � An Audit trail is provided for Administrator(s) to monitor user activity
Level 2As with Level 1 functions plus:
� Make International "Account Transfers" and "Third Party Payments" to anywhere in the world � View transaction details on currency accounts held within your jurisdiction. � View Treasury Deposit accounts.
Level 3As with Level 1 and Level 2 functions plus:
� Make Same Day Money Transfer (SDMT/ CHAPS) to BOI and non-BOI accounts. � Export the 90 day account statement to your computer in different formats so you can sort and filter the data
as you wish. � Interest accrued, both debit and credit, on branch banking accounts and Global Market bank accounts.
* Please note the SEPA (ROI) /BACS (UK) function requires a Credit Limit to be agreed by the Bank. In the event of a file of payments being submitted the value of which is higher than the credit limit approved, the file will be rejected and not processed. Lending criteria and terms & conditions apply.
Section 2. Customer Support
Business On Line is designed to be as user friendly as possible. In order to help the Customer find his/her way around BOL with ease, a number of support services have been developed.
2.1 Help ScreensThere is a HELP button at the bottom right of every screen on BOL. These provide a brief definition of the purpose of each screen and of the terms used.
2.2 Customer Support UnitIf an Authorised User experiences difficulties with BOL, having consulted the Help Screens, he/she should inform their BOL Administrator. If the Administrator is unable to solve the problem, the Bank's Customer Support Unit is available to answer queries. This service is free of charge to BOL Customers regardless of level of service selected.
The Customer Support Unit is open from 8:00am to 6.00pm, Monday to Friday (excluding Bank Holidays). Contact details are available on the Business On Line website.
2.3 Additional SupportIn the event that the problem cannot be solved over the phone, a further level of support is available with the help of our Interactive Training Tutorial. The Tutorial can be done in the comfort of your own office, at a time that's convenient for you. It incorporates a unique “Show me, try me” concept, and the option to pause, rewind and re-play throughout. This tutorial will take you through the initial set up and functionality of Business On Line.To access the tutorial please click on the following link or visit www.boi-bol.comhttp://www.bankofireland.com/business-online-demo/
2.4 Problem Solving ProceduresIf a problem exists:
1. View Help Screens to understand what each button on BOL can do.2. Contact Customer Administrator � If problem persists, or if Authorised User cannot find a solution, contact Customer Administrator(s).3. Contact Customer Support Unit � If problem remains unresolved contact Customer Support Unit. Contact details are available on the BOL website.4. Interactive Training Tutorial available on the BOL website.
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Section 3. Technical specifications
Software XP service pack 2 / Vista / Windows 7 / Windows 8Internet Explorer Versions 7+Java Latest version from www.java.com
Local administration rights are required on networks for requesting a digital certificate.
The following will prevent Business On Line from working correctly:� Pop-up blockers e.g. IE popup blocker, Yahoo / ALOT / Ask toolbars � No working java / up-to-date java on the PC� Using any web browser other than Internet Explorer� Using a Beta / Test version of Internet Explorer� Some anti-spyware programs e.g. Spybot, Stopzilla� Some network firewalls may prevent Business Online from working correctly� Logging on through Metro mode (Windows 8)� Business On Line is not compatible with Apple MAC computers
Phone SystemAnalog, ISDN, ADSL or Broadband
AccessBusiness On Line uses Java-based programmes and as such will not be available to PC's that have protective firewalls configured to reject Java (applet) requests. Please contact us in order to overcome this problem.
Section 4. System Security
4.1 The InternetThe customer is responsible for making sure that they have put in place reliable internet security systems (e.g., anti-virus software).
These are vital to prevent:� Unauthorised access to a Customer’s computer system and its applications.� Unauthorised disclosure of sensitive information.� Any possible tampering with systems or the data on them.� Disruption of services due to Internet access problems
4.2 Banking Security Encryption Digital Certificates System Design
There are three specific security measures which, when working together, provide an exceptional level of security.
1. We protect the confidentiality of data being transferred between the bank and the Customer by using encryption. � This involves ‘scrambling’ information using 128 bit encryption which is a sophisticated form of data encryption
data and only intended users can read the information.
2. Customers making payments by BOL have a second level of security. The digital certificate. � A “Digital Cert” and a “Digital Cert Password” are created by the customer on a particular PC � The “Digital Cert” is retained securely by the bank � The “Digital Cert Password” is retained by the customer and used to authorise each payment � Even though you can access BOL from any PC any where in the world the “Digital Cert Password” is PC specific
and will only work on the particular PC that it is set up on � The “Digital Cert Password” is a key that is verified by the “Digital Cert” held within the bank each time a
transaction is made � Each certificate is uniquely linked to an individual user and a change to the identity requires the issuance of a new
certificate
3. The Bank through a variety of internal security controls protects BOL and any data processed through it.
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4.3 Customer Security
4.3.1 Administrator(s)a) BOL is designed to give Customers a high level of control over their own financial affairs, reducing reliance on
the Bank for general administration of the service. This increased level of autonomy allows for greater control and provides efficiencies for the customer.
b) The role of the Administrator(s) is a fundamental feature of the system and may differ from other electronic banking systems in existence.
c) The Customer must satisfy itself as to the integrity and suitability of the person whom it has chosen as Administrator(s).
d) The person(s) appointed as Administrator(s) at the Customer site is/are responsible for setting up Authorised Users and has full responsibility for the level of access provided to Authorised Users.
e) We recommend the appointment of two Administrators. Administrators should be co-located as they will share a dual logon. To facilitate this, two Administrator Passwords are issued one to be held by each Administrator.
f) Each Password should be treated with the utmost secrecy and confidentiality. These Passwords are system generated; therefore if one is forgotten or lost a new one will have to be issued by the Bank.
g) This may result in delays of at least three working days for the re-issue of Personal Identification Numbers (PINs).
4.3.2 Role of Administrator a) The Administrator controls who has access to the service and what their Authorised Users are permitted to do.
b) The Administrator registers and maintains all User Details on BOL
c) The Administrator issues Authorised User IDs and Passwords to the other Authorised Users and can at any stage change a Password or prevent an Authorised User from logging onto the system.
d) The Administrator controls the Authorised Users' ability to prepare and authorise payments as well as their individual authorisation limits. They must make the Authorised Users aware of their responsibility to check the status of pending payment instructions on the system.
The Audit Log shows a list of the critical actions performed by the Administrator.
4.3.3 Responsibility of the Administrator a) To log-on to the Administrator function, it is necessary for the Administrator Passwords to be entered. Thereafter all
Administrator functions can be performed by the Administrator. However, as a matter of company policy, you may wish to require that both Administrators are present for the discharge of all functions. The Administrator function should be exited immediately once the necessary duties have been performed.
b) It is the responsibility of the Administrator to ensure that a review of the customer audit log takes place on a regular basis. The customer audit log records changes made by the Administrator to the identity and access levels of users.
c) If an irregularity is identified, the Administrator should verify the authenticity of transactions with the relevant Authorised Users and verify that all Passwords remain secure and uncompromised. If there is still concern regarding irregularities, the Bank's Customer Support Unit should be contacted immediately.
d) Once training is provided by the Bank, i.e., phone or tutorial, it is the Administrator's responsibility to train all other Authorised Users, including both existing and new Authorised Users.
e) It is solely the responsibility of the Administrator to communicate company guidelines on the use of BOL to the Authorised Users and to ensure compliance with those guidelines.
Given the level of responsibility held by an Administrator, we strongly recommend that:
A member of the Customer's senior management should review the activities of the Administrator on a regular basis, including reviewing these activities on the audit log.
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4.3.4 Password Protection Because Passwords are the key to BOL, it is essential that they be kept safely. It is the Customer's responsibility to ensure that Passwords are not disclosed to unauthorised personnel. For more details refer to the ‘Security Guidelines’ available on the Customer website.
4.3.5 Use of Passwords To ensure maximum protection it is mandatory that:
a) Customers change passwords frequently (regular prompts will be given by the system)
b) Passwords must be 8 characters long.
c) The Payments Password (Digital Certificate Password) must be between 8-15 characters and must be made up of alpha and numeric.
d) New passwords must be different from the last six passwords used.
e) Blank spaces must not be used in passwords.
f) Authorised Users must keep passwords secret at all times.
g) Unauthorised personnel should not be able to gain access to a password.
h) Whenever an Authorised User suspects his/her password has been compromised, it should be changed immediately.
i) Obvious passwords, such as those using any identifiable sequences such as names or dates of birth, are never to be used. They should be easy for the Authorised User to remember, but difficult for anyone else to guess, eavesdrop or discover quickly by trial and error.
j) Passwords are never written down unless they are stored in a secure place (such as in a signed and sealed envelope in an office safe).
k) If an Authorised User forgets his/her password he or she should ask the Administrator for a new one
l) If the Administrator's password is lost or forgotten it may take at least three working days to receive a new one from the Bank.
4.3.6 Reducing the Risk of Fraud There are a number of procedures that Customers can put in place to reduce the risk of exposure to fraud:
4.3.6.1 SeniorityThe Customer Administrator should be either a senior manager or report directly to one. The Administrator is in charge of BOL on the Customer's site and is solely responsible for granting or denying access to it by authorised personnel and the ability of Authorised Users to initiate or authorise payments. When a Customer Administrator sets up and assigns a role to an Authorised User, the Bank will accept transactions from that Authorised User in good faith and act on them accordingly. As a result, Customers are liable for transactions carried out using their password.
To limit exposure to fraud the Customer should:
a) Split the power to initiate a transaction from the power to authorise it, so that no one can do both.
b) Set authorisation thresholds to limit exposure. Only employees who have full security clearance to all company financial information should be allowed to authorise payments.
4.3.6.2 Control AccessPhysical, logical and network access should be stringently controlled on all PCs used for BOL.
Physical access should be restricted to only those persons who need it (e.g. whenever the room in which the P.C. is located is unoccupied the door should be locked).
Logical access should be controlled by use of a 'power-on password'. (Consult the PC operating manual for details). It is better to use a secure operating system that incorporates strong logical access control. This should be confirmed with your technology supplier.
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Network access controls should be in place to ensure network integrity before connecting to BOL Such controls should cover, for example, network administration, audit trail review and change management procedures.
None of these controls individually will provide comprehensive security, but working together they can help to create a secure electronic banking environment.
4.3.6.3 Knowledge of ProceduresCustomers should make sure that all staff using BOL understand that the procedures are issued for their own protection, as well as for the protection of the customer. Customers should also ensure, for their own protection, that the procedures in this handbook are strictly adhered to, as any deviation (e.g. sharing of passwords) could expose the Customer to internal fraud.
4.3.6.4 Report Deviations from the NormThere should be a logical explanation for everything that occurs on BOL and any deviation or unexplained event should be reported immediately to senior management.
4.3.6.5 Updating ProceduresEnsure that there is a procedure for setting up and removing access to BOL. From time to time people move jobs and their responsibilities change. All information should be current.
4.3.6.6 Daily Control LimitA daily control limit limits the overall value of payments (excluding EFT or BACS payments) that can be authorised on a BOL profile. A daily control limit can be added to an existing profile or amended from an existing daily control limit through a written request from the nominated administrator(s) and requires sign-off from an authorised signature in the branch. We would strongly urge, that you review your daily control limits for your business and if required, amend them accordingly.
Section 5. Do's and Dont's
Do's:
a) Remember to use the support facilities if in any doubt.
b) Use BOL facilities as extensively as possible for maximum benefit.
c) Call the BOL Support Team with any feedback regarding BOL. Customer contact details are available on the customer website or E-mail: [email protected]
d) Exit BOL before visiting other sites on the Internet.
Don'ts:
a) Allow unauthorised personnel access to BOL under your Password.
b) Use obvious Passwords.
c) Don’t forget the deadlines for sending payments which are outlined under the Help and Support section on our website www.boi-bol.com
d) Don't forget to review the Audit Log regularly to monitor activity on BOL.
e) Leave your PC unattended if you are logged into BOL.
From time to time the Bank will need to carry out essential maintenance to BOL. Other than in exceptional cases, this will be restricted to the hours of 19.00 hrs to 07:00 hrs.
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Section 6. Domestic/SEPA and International payment deadlines
When Customers are making domestic SEPA payments for ROI Customer or cross border payments there are certain deadlines that must be met in order to ensure that the payment is made on time. Please refer to the customer website www.boi-bol.com for details of cut-offtimes.
Please note cut off times are subject to change and deadlines differ according to jurisdiction, please refer to the appropriate table for your jurisdiction
Part 2: Business On Line Payments Plus (ROI only)
Section 1. General
1.1 Benefits of Business On Line Payments PlusBusiness On Line Payments Plus (BOL Payments Plus) is a versatile, easy to use efficient method of submitting and processing bulk files in SEPA XML formats and accessing associated reports.
The advantages of using BOL Payments Plus for your SEPA file processing include:
a) Participation as a creditor (an originator) in the SEPA Direct Debit scheme allows for the easy collection of funds from clients and customers across the SEPA countries.
b) SEPA Bulk files can be post dated for up to 60 days, allowing you to set-up Direct Debit and Credit transfers, wages prior to going on business trips or holidays. These can be edited or cancelled up to two days prior to the payment date, subject to cut-off times.
c) Reduce paperwork in the office. All BOL Payments Plus reports are available online. These include file rejection reports and creditor settlement reports. These reports can be accessed and/or exported at any time to accommodate company account reconciliation.
d) BOL Payments Plus utilises quality internet security, and a combination of strong authentication through the use of a physical security device – a Digipass* – protected by a user unlock code which generates one-time passwords.
1.2 Available Functionality � Reporting Information in relation to file rejections and returned payments can be viewed, exported and printed easily using Business On Line Payments Plus and/or the Bank of Ireland Secure File Transfer Protocol (sFTP) portal.� A creditor settlements report available to Direct Debit customers, to facilitate bank account reconciliation. � Submit SEPA bulk file payments � Future date payment files for up to 60-days in advance of payment.� Payments can be cancelled up to two day prior to the date they are due to occur.
Section 2. Customer Support
Business On Line Payments Plus is designed to be as user friendly as possible. In order to help the Customer find his/her way around BOL Payments Plus with ease, a number of support services have been developed, including an online Demo and FAQ’s, this information is available on the homepage.
2.1 Contextual HelpContextual on-screen help accompanies various functions throughout BOL Payments Plus In order to solve problems and to enhance understanding of the meaning of these functions.
2.2 Customer Support UnitThe Customer Support Unit is open from 8:00am to 6.00pm, Monday to Friday (excluding Bank Holidays). Contact details are available on the BOL Payments Plus website.
2.3 Additional SupportIn the event that the problem cannot be solved over the phone, a further level of support is available which may involve a site visit. This support may be available on request and may involve a charge in order to cover costs, details of which are available on request from the Customer Support Unit.
2.4 Problem Solving ProceduresIf a problem exists, the following support options are available to assist:
1. An online demonstration is available on the BOL Payments Plus homepage
2. Contextual on-screen help text
3. Help and Support Section on the BOL Payments Plus homepage
4. FAQ’s on the BOL Payments Plus homepage
5. Contact customer support unit.
6. The About SEPA Link on the Bank of Ireland website (www.boi.ie/sepa)
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Section 3. Technical specifications
Operating SystemsWindows version XP service pack 2 / Vista / Windows 7/Windows 8Apple Mac OS
Browsers Internet Explorer version 7+ Safari version 5+Latest versions of Chrome and Firefox
Section 4. System Security
4.1 The InternetThe customer is responsible for making sure that they have put in place reliable internet security systems (e.g. anti-virus software).
These are vital to prevent:� Unauthorised access to a Customer’s computer system and its applications.� Unauthorised disclosure of sensitive information.� Any possible tampering with systems or the data on them.� Disruption of services due to Internet access problems.
4.2 Secure FTP PortalSecure File Transfer Protocol (sFTP) is the means by which SEPA files (in XML format) can be transmitted to Bank of Ireland. The Bank has a Secure FTP portal for this purpose. In order to upload a SEPA payments file using the Secure FTP portal, a user must possess a User ID and password. These credentials are issued by the Bank to one of the administrators of the associated BOL profile.
4.3 Bank Security Digipass Devices
4.3.1 DigipassA Digipass is a physical device that is used to authenticate the identity of the BOL Payments Plus user in order to securely authorise a SEPA file for processing. Each Digipass provides user access to BOL Payments Plus and the capability to authorise SEPA files for a single SEPA Originator number.
4.3.2 RegistrationAt the outset, the Digipass is sent to one of the administrators (if two administrators are in place) on the associated Business On Line profile. In order to complete registration of the device to the SEPA originator number, the administrator must telephone the BOL Payments Plus Customer Support Unit. The Digipass holder sets a five-digit PIN without which the Digipass cannot be operated. This PIN is required in order to gain access to the Digipass and if this code is lost or forgotten, a replacement device will need to be sent out by post resulting in a potential delay to the processing of SEPA payment files.
4.3.3 LogonAccess to BOL Payments Plus is by way of a one-time password which is generated by the Digipass and entered on the BOL Payments Plus Logon Homepage. 4.3.4 File TransmissionBefore a SEPA payments file can be authorised on BOL Payments Plus, the file must first be transmitted to the bank. This is typically done through the Bank of Ireland Secure FTP (File Transfer protocol) portal. For further information in relation to the Secure FTP solution, please see section 4.2 and consult the training solutions available on the BOL Payments Plus homepage.
4.3.5 File AuthorisationSEPA payment files must be authorised before the payments/collections will be processed. A transmitted file may be broken into constituent batches. A file may comprise of multiple batches if payments are originating from more than one payer/creditor account and/or have multiple value dates.
After logon, the Digipass holder performs some cross checking activities in relation to the file details available on screenThe authorisation is completed by entering a Message Authentication Code (MAC) which is generated on the Digipass.
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4.4 Customer Security
4.4.1 Administrator(s)a) The role of the Administrator(s) for BOL Payments Plus is key to the authorisation authority for the transmission of
payment files.
b) The Customer must satisfy itself as to the integrity and suitability of the person whom it has chosen as Administrator(s).
c) The person(s) appointed as Administrator(s) on the BOL Payments Plus profile has full responsibility for the transmission and authorisation of payment files and as such should be available to and of appropriate level of authority with the organisation to discharge these responsibilities. We recommend the appointment of two Administrators.
e) User Logon credentials and the Digipass and Digipass PIN should be held with the utmost care and security.
f) Loss of the User Logon and/or Digipass or Digipass PIN can result in a delay of a number of days while replacement(s) are generated and delivered by post.
4.4.2 Role of Administratora) The Administrator controls are responsible for the transmission and authorisation of SEPA files. Where the role of the administrator is shared by two individuals, the responsibility for the tasks of Secure FTP transmission and authentication will be segregated between the two.
4.4.3 Segregation of DutiesBOL Payments Plus allows you to segregate duties within your company. One user can be responsible for uploading bulk files via SFTP and a second user can have responsibility of authorising all uploaded files.
4.4.4 Password Protection (Digipass)As the unlock code is the key to BOL Payments Plus, it is essential that it be managed securely. It is your organisation’s responsibility to ensure that Digipass PIN is not disclosed to unauthorised personnel. For more details refer to the ‘Security’ and ‘Privacy policy’ details available on the BOL Payments Plus website.
4.4.5 Use of Passwords a) The administrator creates the initial Digipass unlock code (5-digits).
b) The Bank will not have knowledge of this unlock code and therefore the customer has full responsibility.
c) The Digipass unlock code will revoke after 9 unsuccessful logon attempts.
d) The Bank cannot reset the Digipass PIN and in this instance. In the event of a lost of stolen Digipass or PIN, a new device must be ordered by calling the BOL Payments Plus Customer Support Unit and it may take a number of days before a replacement device is received.
4.4.6 Reducing the Risk of FraudThere are a number of procedures that Customers can put in place to reduce the risk of exposure to fraud:
4.4.6.1 SeniorityYour organisation has responsibility for BOL Payments Plus at your own site and is solely responsible for granting or denying access to it by authorised personnel and the ability of Authorised Users to initiate or authorise Files. If ownership of a Digipass is transferred to an alternative user, the Bank will not be aware and will accept transactions from that user in good faith and act on them accordingly. As a result, your organisation is liable for all transactions carried out on the BOL Payments Plus channel. To limit exposure to fraud your organisation is advised to separate the roles of Secure FTP upload of files from the role of authoriser on BOL Payments Plus.
4.4.6.2 Control AccessPhysical, logical and network access should be stringently controlled on all PCs used for BOL Payments Plus. Logical access should be controlled by use of a 'power-on password'. (Consult the PC operating manual for details). It is better to use a secure operating system that incorporates strong logical access control. This should be confirmed with your technology supplier. Network access controls should be in place to ensure network integrity before accessing BOL Payments Plus. Such controls should include, for example, network administration, audit trail review and change management procedures. None of these controls individually will provide comprehensive security, but working together they can help to create a secure electronic banking environment.
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4.4.6.3 Knowledge of ProceduresYour organisation should ensure that all staff using BOL Payments Plus understand that the procedures are issued for their own protection, as well as for the protection of the organisation. You should also ensure, for the protection of the organisation, that the procedures and recommendations in this handbook are strictly adhered to, as any deviation (e.g. sharing of passwords, PINs or Digipasses) could expose your organisation to Internal fraud.
4.4.6.4 Report Deviations from the NormThere should be a logical explanation for everything that occurs on BOL Payments Plus and any deviation or unexplained event should be reported immediately to senior management and, if concerns still persist, such events should be raised to the BOL Payments Plus Customer Support Unit.
4.4.6.5 Updating ProceduresFrom time to time people move jobs and their responsibilities change. You organisation should ensure that sufficient procedures are in place for managing and transferring access to BOL Payments Plus and the Secure FTP portal.
Section 5. Do’s and Dont’s
Do:a) Remember to use the support facilities if in any doubt.
b) Use BOL Payments Plus facilities as extensively as possible for maximum benefit.
c) Call the BOL Payments Plus Support Team with any feedback regarding BOL Payments Plus. Customer contact details are available on the customer website.
d) Exit BOL Payments Plus before visiting other sites on the Internet.
e) Use the Demo on our homepage.
Don't:a) Allow unauthorised personnel access to sFTP or BOL Payments Plus under your passwords or Digipass.
b) Forget the deadlines for sending payments which are outlined on our website.
c) Leave your PC unattended if you are logged into BOL Payments Plus.
From time to time the Bank will need to carry out essential maintenance to BOL Payments Plus. Other than in exceptional cases, this will be restricted to the hours of 19.00 hrs to 07:00 hrs.
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en re
gula
tion,
and
yo
ur b
usin
ess
mus
t be
SEP
A c
ompl
iant
for a
ll non
-urg
ent e
uro
cred
it tr
ansf
ers
(SEP
A
paym
ents
) by
the
1st F
ebru
ary
2014
dea
dlin
e. F
urth
er b
ackg
roun
d in
form
atio
n is
ava
ilabl
e on
our
web
site
: http
://b
anko
firel
and.
com
/SEP
A
The
key
chan
ge th
at S
EPA
intro
duce
d fo
r cre
dit
tran
sfer
file
s (d
irect
cre
dit/
dire
ct p
ay, v
ia
WIN
BIT
S, B
usin
ess
On
Line
and
Con
nect
:Dire
ct) i
s th
at th
e cu
rren
t IR
ECC
STD
-18
file
form
ats
will
be re
plac
ed b
y a
new
SEP
A fi
le fo
rmat
, SEP
A X
ML,
and
the
bene
ficia
ry a
ccou
nt
iden
tifier
s w
ill ch
ange
from
Sor
t Cod
e &
Acc
ount
Num
ber t
o B
IC &
IBA
N.
Ban
k of
Irel
and’
s ap
proa
ch to
sup
port
ing
our c
usto
mer
s be
com
e S
EPA
com
plia
nt fo
r cre
dit
tran
sfer
s is
to p
rovi
de a
file
con
vers
ion
serv
ice.
Our
file
con
vers
ion
serv
ice
will
conv
ert y
our d
omes
tic S
TD-1
8 fil
es, o
n re
ceip
t by
Ban
k of
Ire
land
, to
the
new
SEP
A X
ML
form
at, a
nd w
e ca
n th
en p
roce
ss y
our p
aym
ent fi
le a
s S
EPA
pa
ymen
ts.
To p
roce
ss y
our e
xist
ing
paym
ent fi
les
unde
r the
new
SEP
A s
chem
e w
e w
ill be
requ
ired
to
appl
y st
ricte
r dat
a qu
ality
and
dat
a co
mpl
eten
ess
chec
ks in
pay
men
t file
s su
bmitt
ed to
Ban
k of
Irel
and.
To
this
end
, it i
s es
sent
ial t
hat y
ou a
dher
e to
the
STD
-18
file
spec
ifica
tion.
Pur
po
se o
f thi
s d
ocu
men
t is:
To id
entif
y th
e st
ricte
r SEP
A d
ata
qual
ity a
nd d
ata
com
plet
enes
s ch
ecks
requ
ired
for
paym
ent fi
les
subm
itted
to B
ank
of Ir
elan
d S
EPA
CT
Con
vers
ion
Ser
vice
.
To a
llow
you
to v
alid
ate
that
you
r exi
stin
g S
TD-1
8 fil
e ad
here
s to
the
spec
ifica
tion
outli
ned
with
in a
nd is
cor
rect
.
Any
pay
men
t req
uest
sub
mitt
ed w
hich
doe
s no
t mee
t the
se s
tand
ard
s w
ill fa
il va
lidat
ion
and
be
reje
cted
.
Cus
tom
ers
who
nee
d to
imp
lem
ent c
hang
es to
thei
r ST
D-1
8 fi
le m
ust h
ave
imp
lem
ente
d c
hang
es o
n o
r bef
ore
1s
t Oct
ob
er 2
013
in o
rder
to e
nsur
e th
e su
cces
sful
pro
cess
ing
of p
aym
ents
in th
e S
EPA
env
iro
nmen
t.
Pag
e 4
of
12C
ode
BO
I Sta
ndar
d 1
8 Fi
le S
pec
ifica
tion
– S
EPA
Spe
cific
Dat
a R
equi
rem
ents
SE
PA C
T C
onv
ersi
on
Ser
vice
File
Dat
a R
equi
rem
ents
The
follo
win
g ta
ble
high
light
s th
e st
ricte
r SEP
A d
ata
qual
ity a
nd d
ata
com
plet
enes
s ch
ecks
requ
ired
for p
aym
ent fi
les
subm
itted
to B
ank
of Ir
elan
d S
EPA
CT
Con
vers
ion
Ser
vice
.
The
chan
ges
incl
uded
rela
te to
dat
a ra
ther
than
file
str
uctu
re.
Rec
ord
- F
ield
Fiel
d N
ame
Po
sitio
n D
ata
Req
uire
men
t
Use
r Hea
der L
abel
- 3
Pro
cess
ing
Dat
e5-
10Th
e da
te p
opul
ated
in th
e pr
oces
sing
dat
e fie
ld m
ust b
e th
e da
te th
at th
e cu
stom
er w
ants
the
bene
ficia
ry to
rece
ive
valu
e fo
r the
tr
ansa
ctio
ns. 3
day
cyc
le w
ill no
long
er b
e av
aila
ble
unde
r SEP
A. T
he fi
le m
ust b
e re
ceiv
ed b
y B
OI b
efor
e th
e ag
reed
cut
off
time
(15:
30),
at le
ast 1
bus
ines
s da
y in
adv
ance
of t
he p
roce
ssin
g da
te in
the
file
Dat
a R
ecor
d - A
NS
C o
f the
bra
nch
to
be c
redi
ted
1-6
The
follo
win
g N
SC
’s a
re n
ot re
acha
ble
unde
r SEP
A, t
here
fore
pay
men
t will
be re
ject
ed if
pre
sent
in fi
le
90-8
9-91
(FA
)
90-8
9-32
(PTS
B)
Dat
a R
ecor
d - E
and
FO
rigin
atin
g S
ort C
ode
Orig
inat
ing
Acc
ount
No
18-2
324
-31
The
NS
C a
nd a
ccou
nt n
umbe
r of t
he c
ontr
a re
cord
mus
t be
popu
late
d in
this
fiel
d
Dat
a R
ecor
d - I
Use
rs N
ame
47-6
4P
ayer
s na
me
mus
t be
popu
late
d in
this
fiel
dP
aym
ent w
ill be
reje
cted
if n
ot p
opul
ated
with
‘Pay
ers
Nam
e’
Dat
a R
ecor
d - J
Use
rs R
efer
ence
N
umbe
r65
-82
The
paye
rs re
fere
nce
will
trav
el w
ith th
e pa
ymen
t to
the
bene
ficia
ry -
If pa
yers
refe
renc
e is
not
pop
ulat
ed “N
ot P
rovi
ded”
will
be a
uto
popu
late
d by
the
conv
ersi
on s
ervi
ce a
nd s
ent t
o th
e be
nefic
iary
with
the
paym
ent
B
OI s
trong
ly a
dvis
es fi
le s
ubm
itter
s to
pop
ulat
e th
is fi
eld
with
a m
eani
ngfu
l ref
eren
ce to
uni
quel
y id
entif
y th
e pa
ymen
t – th
is w
ill he
lp in
iden
tifica
tion
of re
ject
ions
and
cor
resp
onde
nce
with
the
bank
Dat
a R
ecor
d - K
Des
tinat
ion
A/C
Nam
e 83
-100
Des
tinat
ion
acco
unt fi
eld
mus
t be
popu
late
d w
ith th
e be
nefic
iary
nam
eTh
is is
man
dato
ry a
nd p
aym
ent w
ill be
reje
cted
if th
is fi
eld
is n
ot p
opul
ated
with
a re
ason
able
nam
e
ALL
ALL
FIE
LDS
ALL
Ple
ase
see
the
allo
wed
SEP
A c
hara
cter
set
det
aile
d un
der S
ectio
n 7
Cus
tom
ers
who
nee
d to
imp
lem
ent c
hang
es to
thei
r ST
D-1
8 fi
le m
ust h
ave
imp
lem
ente
d c
hang
es o
n o
r bef
ore
1s
t Oct
ob
er 2
013
in o
rder
to e
nsur
e th
e su
cces
sful
pro
cess
ing
of p
aym
ents
in th
e S
EPA
env
iro
nmen
t.
Pag
e 5
of
12C
ode
BO
I Sta
ndar
d 1
8 Fi
le S
pec
ifica
tion
– Fi
le S
peci
ficat
ion,
BO
L Im
port
File
Sp
ecifi
catio
n
1.
Volu
me
Hea
der L
abel
(80
Cha
ract
ers)
Fiel
dN
ame
Leng
th in
C
hara
cter
s C
hara
cter
P
osi
tions
Fi
eld
Co
nten
t and
Val
idity
Che
ck
Fiel
d C
ont
ent f
or S
EPA
Co
nver
sio
n
1.La
bel I
dent
ifier
31-
3M
ust b
e ‘V
OL’
2.La
bel N
umbe
r1
4M
ust b
e ‘1
’(num
eric
)
3.Vo
lum
e S
eria
l Num
ber
65-
10C
an b
e an
y si
x ch
arac
ters
Bla
nks
are
not p
erm
itted
Mus
t not
be
all z
eros
4.Fi
ller
3111
-41
Sho
uld
be b
lank
spa
ce fi
lled
5.O
wne
r Ide
ntifi
catio
n6
42-4
7M
ust b
e an
aut
horis
ed I.
D. n
umbe
r (is
sued
by
BO
I)
6.Fi
ller
3348
-80
Sho
uld
be b
lank
spa
ce fi
lled
Pag
e 6
of
12C
ode
2.
File
Hea
der L
abel
(80
Cha
ract
ers)
Fiel
dN
ame
Leng
th in
C
hara
cter
s C
hara
cter
P
osi
tions
Fi
eld
Co
nten
t and
Val
idity
Che
ck
Fiel
d C
ont
ent f
or S
EPA
Co
nver
sio
n
1.La
bel I
dent
ifier
31-
3M
ust b
e ‘H
DR
’
2.La
bel N
umbe
r1
4M
ust b
e’1’
(num
eric
)
3.R
eser
ved
for f
urth
er s
tand
ardi
zatio
n1
5S
houl
d be
bla
nk s
pace
fille
d
4.Fi
le Id
entifi
er17
6-22
6 M
ust b
e ‘A
’7-
12
Mus
t be
auth
oris
ed u
ser I
.D. n
umbe
r. M
ust b
e sa
me
as
char
acte
r pos
ition
s 42
-47
on v
olum
e he
ader
labe
l13
M
ust b
e ‘S
’14
-22
Mus
t be
blan
k sp
ace
fille
d
5.B
lock
Len
gth
523
-27
Mus
t be
five
zero
s
6.Fi
ller
128
Mus
t be
blan
k sp
ace
fille
d
7.B
egin
Ext
ent
529
-33
Mus
t be
five
zero
s
8.Fi
ller
134
Mus
t be
blan
k sp
ace
fille
d
9.En
d Ex
tent
535
-39
Mus
t be
five
zero
s
10.
Rec
ord
Form
at1
40M
ust b
e bl
ank
spac
e fil
led
or ‘F
’
11.
Fille
r7
41-4
7M
ust b
e bl
ank
spac
e fil
led
12.
Cre
atio
n D
ate
648
-53
Mus
t be
in th
e fo
rm ‘Y
YM
MD
D’.
Mus
t be
less
than
or e
qual
to th
e pr
oces
sing
dat
e in
cha
ract
er p
ositi
ons
5-10
of t
he u
ser h
eade
r lab
el
13.
Rec
ord
Leng
th4
54-5
7S
houl
d be
‘010
0’
14.
Fille
r5
58-6
2S
houl
d be
bla
nk s
pace
fille
d
15.
Rec
ord
Attr
ibut
e1
63M
ust b
e ‘B
’
16.
Fille
r17
64-8
0M
ust b
e bl
ank
spac
e fil
led
Pag
e 7
of
12C
ode
3.
Use
r Hea
der L
abel
(80
Cha
ract
ers)
Fiel
dN
ame
Leng
th in
C
hara
cter
s C
hara
cter
P
osi
tions
Fi
eld
Co
nten
t and
Val
idity
Che
ck
Fiel
d C
ont
ent f
or S
EPA
Co
nver
sio
n
1.La
bel I
dent
ifier
31-
3M
ust b
e ‘U
HL’
2.La
bel N
umbe
r1
4M
ust b
e ‘1
’ (nu
mer
ic)
3.P
roce
ssin
g D
ate
65-
10M
ust i
n fo
rm ‘b
YY
DD
D*’
, i.e
. a b
lank
spa
ceFo
llow
ed b
y th
e la
st tw
o di
gits
of t
he y
ear a
nd th
e ju
lian
day
in th
e ye
arS
ee n
ote
belo
w*
4.Fi
ller
411
-14
Mus
t be
zero
fille
d
5.R
ecei
ver I
D2
15-1
6M
ust b
e ‘9
0’ fo
r eur
o fil
es. M
ust b
e ‘3
0’ fo
r all G
BP
file
s
6.Fi
ller
417
-20
Mus
t be
blan
k sp
ace
fille
d
7.C
urre
ncy
Cod
e2
21-2
2M
ust b
e ‘0
1’
8.Fi
ller
623
-28
Mus
t be
zero
fille
d
9.W
ork
Cod
e9
29-3
7M
ust b
e in
form
‘1bD
AIL
Ybb
’
10.
File
Num
ber
338
-40
Mus
t be
all n
umer
ic, t
his
mus
t not
exc
eed
‘968
’
11.
Fille
r40
41-8
0M
ust b
e bl
ank
spac
e fil
led
No
tes
* Fie
ld 3
– P
roce
ssin
g D
ate
For S
EPA
pay
men
ts, t
he p
roce
ssin
g da
te e
nter
ed in
pos
ition
5-1
0 of
the
UH
L1 re
cord
will
be d
eem
ed to
be
the
date
that
the
cust
omer
wan
ts th
e be
nefic
iary
to re
ceiv
e va
lue
for t
he tr
ansa
ctio
ns. T
o ac
hiev
e th
is v
alue
, file
s m
ust b
e su
bmitt
ed to
BO
I one
bus
ines
s da
y in
adv
ance
of t
his
date
bef
ore
a pr
e-ag
reed
cut
-off
time.
Any
file
s su
bmitt
ed a
fter t
his
time,
with
a p
roce
ssin
g da
te o
f the
nex
t day
, will
have
the
proc
essi
ng d
ate
rolle
d to
the
next
ava
ilabl
e bu
sine
ss d
ay.
File
s ca
n co
ntin
ue to
be
sent
with
futu
re d
ates
as
is th
e ca
se to
day
but a
gain
the
proc
essi
ng d
ate
on th
e fil
e w
ill be
dee
med
to b
e th
e da
te th
at a
ll Pay
ees
rece
ive
valu
e fo
r pay
men
ts a
nd th
e co
ntra
is p
oste
d to
the
cust
omer
acc
ount
.
• Ex
ampl
e 1;
Cus
tom
er s
ends
file
on
Wed
nesd
ay th
e 1s
t bef
ore
pre-
agre
ed c
ut-o
ff, th
e pr
oces
sing
dat
e fie
ld m
ust h
ave
a da
te o
f the
2nd
if p
aym
ent t
o th
e be
nefic
iary
is re
quire
d on
the
2nd
• Ex
ampl
e 2;
Cus
tom
er s
ends
file
on
Wed
nesd
ay th
e 1s
t but
wan
ts p
aym
ents
to b
e m
ade
to th
e be
nefic
iary
for v
alue
on
Frid
ay th
e 3r
d –
agai
n th
e pr
oces
sing
dat
e fie
ld in
this
cas
e m
ust h
ave
the
3rd
Pag
e 8
of
12C
ode
4.
Dat
a R
ecor
d (1
00/1
06 C
hara
cter
s)
Fiel
dN
ame
Leng
th in
C
hara
cter
s C
hara
cter
P
osi
tions
Fi
eld
Co
nten
t and
Val
idity
Che
ck
Fiel
d C
ont
ent f
or S
EPA
Co
nver
sio
n
A.
Des
tinat
ion
Sor
ting
Cod
e N
umbe
r of
ban
k br
anch
to b
e C
R/D
R6
1-6
Mus
t be
a va
lid s
ortin
g co
de n
umbe
r allo
cate
d in
the
curr
ent l
ist
B.
Des
tinat
ion
Acc
ount
Num
ber t
o be
C
r/D
r at t
he a
bove
ban
k br
anch
87-
14M
ust b
e al
l num
eric
C.
Type
of a
ccou
nt c
ode
115
Mus
t be
zero
D.
Tran
sact
ion
Cod
e2
16-1
7M
ust b
e on
e of
the
perm
itted
tran
sact
ion
code
s
E.O
rigin
atin
g S
ortin
g C
ode
Num
ber
at w
hich
use
r’s n
omin
ated
A/C
is
held
618
-23
Mus
t be
sort
ing
code
num
ber o
f one
of t
he u
ser’s
nom
inat
ed a
ccou
nts
of
bran
chU
nder
SEP
A, t
his
field
mus
t be
the
prim
ary
debi
t NS
C
F.O
rigin
atin
g A
ccou
nt N
umbe
r of
user
824
-31
Mus
t be
the
acco
unt n
umbe
r of o
ne o
f the
use
r’s n
omin
ated
acc
ount
sU
nder
SEP
A, t
his
field
mus
t be
the
prim
ary
debi
t acc
ount
num
ber
G.
Fille
r4
32-3
5M
ust b
e ze
ro fi
lled
H.
Am
ount
in c
ents
1136
-46
Mus
t be
all n
umer
ic, b
ut th
e ch
arac
ters
mus
t NO
T al
l be
zero
s. M
ust
be ri
ght j
ustifi
ed a
nd z
ero
fille
d (n
ote
max
am
ount
for a
sin
gle
SEP
A
tran
sact
ion
is €
999,
999,
999.
00)
I.U
ser’s
Nam
e118
47-6
4Th
e pa
yer’s
nam
e m
ust b
e pr
esen
t in
this
fiel
dP
aym
ent w
ill be
reje
cted
if n
ot p
opul
ated
w
ith p
ayer
s na
me’
J.U
ser’s
Ref
eren
ce N
umbe
r18
65-8
2M
ust b
e un
ique
end
to e
nd p
ayer
’s re
fere
nce
in th
is fi
eld.
The
Ban
k w
ould
st
rong
ly a
dvis
e cu
stom
ers
to p
opul
ate
this
fiel
d w
ith a
uni
que
refe
renc
e th
at is
mea
ning
ful t
o bo
th th
emse
lves
and
the
bene
ficia
ry e
.g. i
nvoi
ce
num
ber e
tc
Whe
re re
fere
nce
not p
opul
ated
the
paym
ent w
ill be
pro
cess
ed a
nd b
ank
will
popu
late
this
fiel
d w
ith -
‘Not
Pro
vide
d’
K.
Des
tinat
ion
A/C
Nam
e18
83-1
00M
ust b
e th
e be
nefic
iarie
s na
me
i.e. t
he n
ame
of th
e ac
coun
t bei
ng
cred
ited
This
fiel
d sh
ould
alw
ays
be c
ompl
eted
Pay
men
t will
be re
ject
ed if
not
pop
ulat
ed
Pag
e 9
of
12C
ode
5.
Con
tra
Rec
ords
(100
/106
Cha
ract
ers)
Fiel
dN
ame
Leng
th in
C
hara
cter
s C
hara
cter
P
osi
tions
Fi
eld
Co
nten
t and
Val
idity
Che
ck
Fiel
d C
ont
ent f
or S
EPA
Co
nver
sio
n
A.
Sor
ting
Cod
e N
umbe
r of t
he b
ank
bran
ch a
t whi
ch th
e no
min
ated
ac
coun
t of t
he u
ser i
s he
ld a
nd
whi
ch th
is re
cord
is to
be
dire
cted
61-
6M
ust b
e so
rtin
g co
de n
umbe
r of o
ne o
f use
r’s n
omin
ated
acc
ount
sM
ust b
e al
l num
eric
B.
Acc
ount
Num
ber o
f the
use
r’s
nom
inat
ed a
ccou
nts
at th
e ab
ove
bran
ch
87-
14M
ust b
e th
e ac
coun
t num
ber o
f one
of t
he u
ser’s
nom
inat
ed a
ccou
nts
at
the
abov
e br
anch
Mus
t be
all n
umer
ic
C.
Type
of a
ccou
nt c
ode
115
Mus
t be
zero
D.
Tran
sact
ion
Cod
e2
16-1
7M
ust b
e ‘1
7’ o
r ‘99
’
E.S
ortin
g C
ode
Num
ber o
f the
ban
k br
anch
at w
hich
the
nom
inat
ed a
t w
hich
the
acco
unt o
f the
use
r is
held
and
to w
hich
this
reco
rd is
to
be d
irect
ed
618
-23
Mus
t be
sam
e as
fiel
d A
abo
ve
F.A
ccou
nt N
umbe
r of t
he u
ser’s
no
min
ated
acc
ount
at t
he a
bove
ac
coun
t
8 2
4-31
Mus
t be
the
sam
e as
fiel
d B
abo
ve
G.
Fille
r4
32-3
5M
ust b
e ze
ro fi
lled
H.
Am
ount
in c
ents
uns
igne
d11
36-4
6M
ust b
e al
l num
eric
, but
the
char
acte
rs m
ust N
OT
all b
e ze
ros
Mus
t be
right
just
ified
and
zer
o fil
led
I.U
ser’s
Nar
rativ
e18
47-6
4M
ay c
onta
in a
lpha
-num
eric
nar
rativ
e of
the
user
’s c
hoic
e
J.C
ontr
a R
efer
ence
1865
-82
Mus
t be
‘CO
NTR
A’ fo
llow
ed b
y tw
elve
bla
nk s
pace
s
K.
Nam
e of
acc
ount
to w
hich
this
re
cord
is to
be
dire
cted
1883
-100
Sho
uld
be e
qual
to th
e na
me
of th
e no
min
ated
acc
ount
in fi
elds
E a
nd F
Mus
t be
left
just
ified
and
bla
nk s
pace
fille
d
Pag
e 10
of
12C
ode
6.
Use
r Tra
iler L
abel
(80
Cha
ract
ers)
Fiel
dN
ame
Leng
th in
C
hara
cter
s C
hara
cter
P
osi
tions
Fi
eld
Co
nten
t and
Val
idity
Che
ck
Fiel
d C
ont
ent f
or S
EPA
Co
nver
sio
n
1.La
bel I
dent
ifier
31-
3M
ust b
e ‘U
TL’
2.La
bel N
umbe
r1
4M
ust b
e ‘1
’(num
eric
)
3.M
onet
ary
Tota
l of D
ebit
Rec
ords
135-
17M
ust c
onta
in th
e m
onet
ary
tota
l (in
cen
ts u
nsig
ned,
righ
t jus
tified
and
ze
ro fi
lled)
of t
he d
ebit
reco
rds,
incl
udin
g cr
edit
cont
ra
4.M
onet
ary
Tota
l of C
redi
t Rec
ords
1318
-30
Mus
t con
tain
the
mon
etar
y to
tal (
in c
ents
, uns
igne
d rig
ht ju
stifi
ed a
nd
zero
fille
d) o
f the
cre
dit r
ecor
ds, i
nclu
ding
deb
it co
ntra
5.C
ount
of D
ebit
Rec
ords
731
-37
Mus
t con
tain
the
coun
t (rig
ht ju
stifi
ed a
nd z
ero
fille
d) o
f deb
it re
cord
s,
incl
udin
g cr
edit
cont
ras
6.C
ount
of C
redi
t Rec
ords
738
-44
Mus
t con
tain
the
coun
t (rig
ht ju
stifi
ed a
nd z
ero
fille
d) o
f cre
dit r
ecor
ds
incl
udin
g de
bit c
ontr
as
7.Fi
ller
3645
-80
Mus
t be
blan
k sp
ace
fille
d
Pag
e 11
of
12C
ode
7.
Spe
cim
en F
ile L
ayou
t - B
OL
Impo
rtV
OL1
00
00
01
EFT
ID
H
DR
1 A
EFT
IDS
0
00
00
00
00
0 0
00
00
F
Y
YM
MD
D0
10
0
B
U
HL1
YY
DD
D0
00
09
0
01
00
00
00
1 D
AIL
Y 0
01
1
85
99
99
04
59
99
40
99
78
98
79
78
97
89
78
00
00
00
00
12
37
71
0
BO
I IR
ELA
ND
LT
D5
F20
90
00
00
00
98
EM
PLO
YE
E N
UM
BE
R 1
1
86
22
99
60
41
00
20
99
78
98
79
78
97
89
78
00
00
00
00
87
36
28
7
BO
I IR
ELA
ND
LT
D5
F20
90
00
00
00
99
EM
PLO
YE
E N
UM
BE
R 2
9
86
23
55
42
78
11
40
99
78
98
79
78
97
89
78
00
00
00
00
19
04
09
8
BO
I IR
ELA
ND
LT
D5
F20
90
00
00
01
00
EM
PLO
YE
E N
UM
BE
R 3
9
32
15
13
18
92
14
50
99
78
98
79
78
97
89
78
00
00
00
00
39
58
11
1
BO
I IR
ELA
ND
LT
D5
F20
90
00
00
01
01
EM
PLO
YE
E N
UM
BE
R 4
9
85
11
19
75
75
99
30
99
78
98
79
78
97
89
78
00
00
00
00
24
70
18
2
BO
I IR
ELA
ND
LT
D5
F20
90
00
00
01
02
EM
PLO
YE
E N
UM
BE
R 5
9
85
95
18
47
41
99
10
99
78
98
79
78
97
89
78
00
00
00
00
31
89
33
5
BO
I IR
ELA
ND
LT
D5
F20
90
00
00
01
03
EM
PLO
YE
E N
UM
BE
R 6
9
34
17
87
94
16
18
20
99
78
98
79
78
97
89
78
00
00
00
00
04
32
39
4
BO
I IR
ELA
ND
LT
D5
F20
90
00
00
01
04
EM
PLO
YE
E N
UM
BE
R 7
9
33
51
19
17
94
18
30
99
78
98
79
78
97
89
78
00
00
00
02
05
77
66
9
BO
I IR
ELA
ND
LT
D5
F20
90
00
00
01
05
EM
PLO
YE
E N
UM
BE
R 8
9
85
91
10
75
75
11
30
99
78
98
79
78
97
89
78
00
00
00
00
65
65
07
4
BO
I IR
ELA
ND
LT
D5
F20
90
00
00
01
06
EM
PLO
YE
E N
UM
BE
R 9
9
33
92
31
22
76
14
90
99
78
98
79
78
97
89
78
00
00
00
00
02
42
78
5
BO
I IR
ELA
ND
LT
D5
F20
90
00
00
01
07
EM
PLO
YE
E N
UM
BE
R 1
0 9
86
13
93
29
19
21
30
99
78
98
79
78
97
89
78
00
00
00
00
22
05
20
2
BO
I IR
ELA
ND
LT
D5
F20
90
00
00
01
08
EM
PLO
YE
E N
UM
BE
R 1
1 9
93
74
42
79
59
58
80
99
78
98
79
78
97
89
78
00
00
00
00
45
77
76
5
BO
I IR
ELA
ND
LT
D5
F20
90
00
00
01
08
EM
PLO
YE
E N
UM
BE
R 1
2 7
89
87
97
89
78
97
80
17
78
98
79
78
97
89
78
00
00
00
05
60
96
61
2
C
ON
TR
A
B
OI I
RE
LAN
D L
TD
U
TL1
00
00
05
60
96
61
20
00
00
56
09
66
12
00
00
00
10
00
00
13
Onl
y pe
rmitt
ed S
EPA
cha
ract
ers
on fi
le:
a b
c d
e f g
h i
j k l
m n
o p
q r
s t u
v w
x y
zA
B C
D E
F G
H I
J K
L M
N O
P Q
R S
T U
V W
X Y
Z0
1 2
3 4
5 6
7 8
9/ -
? :
( ) .
, ‘ +
Spa
ce
(am
pers
and,
alth
ough
not
a S
EPA
per
mitt
ed c
hara
cter
, will
also
be
allo
wed
)
Add
ition
al S
EPA
Not
es:
1. S
EPA
will
only
per
mit
Nat
iona
l Sor
t Cod
es re
acha
ble
on th
e IP
SO
Cod
ex d
atab
ase.
If th
e N
SC
is lis
ted
as S
EPA
non
reac
habl
e th
en p
aym
ents
mad
e to
thes
e N
SC
’s w
ill be
reje
cted
. 2.
PTS
B (9
0-89
-32)
and
Firs
t Act
ive
(90-
89-9
1), w
ill no
t allo
w S
EPA
pay
men
ts to
thes
e N
SC
’s. C
usto
mer
s m
ust e
nsur
e th
at n
o pa
ymen
ts a
re s
ent t
o B
ank
of Ir
elan
d w
ith th
ese
code
s, it
is th
e cu
stom
ers
resp
onsi
bilit
y to
con
firm
the
new
NS
C’s
and
acc
ount
num
bers
for t
hese
NS
C’s
with
thei
r pay
ees
– fa
ilure
to d
o so
will
resu
lt in
pay
men
ts b
eing
reje
cted
.3.
No
reco
rd in
the
Sta
ndar
d 18
File
can
hav
e le
adin
g sp
aces
; thi
s ap
plie
s to
all fi
les.
File
s w
ill be
reje
cted
whe
re th
is ru
le is
not
app
lied.
Pag
e 12
of
12C
ode
BO
I Sta
ndar
d 1
8 Fi
le S
pec
ifica
tion
– C
onta
ct D
etai
ls
Ban
k of
Irel
and
has
a te
am o
f ded
icat
ed S
EPA
Mig
ratio
n C
onsu
ltant
s to
sup
port
our
bu
sine
ss c
usto
mer
s th
roug
h th
eir m
igra
tion
to S
EPA
.
SEP
A C
redi
t Tra
nsfe
r file
-sub
mitt
er q
uerie
s ca
n be
sub
mitt
ed to
our
SEP
A M
igra
tion
Hel
pdes
k us
ing
the
cont
act d
etai
ls b
elow
:
Emai
l: se
pacu
stom
erm
igra
tion@
boi.c
om
Pho
ne:
1890
818
208
+353
1 6
17 6
001
(from
out
side
Rep
ublic
of I
rela
nd)
Thi
s d
ocu
men
t is
fo
r in
form
atio
n p
urp
ose
s o
nly
and
no
gua
rant
ee o
r w
arra
nty
is g
iven
in r
esp
ect
of
the
accu
racy
or
com
ple
tene
ss o
f th
is d
ocu
men
t,
or
its’ c
ont
ent,
whi
ch a
re s
ubje
ct t
o c
hang
e. B
ank
of
Irel
and
acc
epts
no
liab
ility
fo
r an
y lo
sses
ho
wso
ever
ari
sing
in r
elia
nce
on
this
do
cum
ent
or
its c
ont
ent.
Bank of Ireland is regulated by the Central Bank of Ireland.