business on line customer handbook - bank of ireland

26
Business On Line Customer Handbook

Upload: lamkhanh

Post on 07-Jan-2017

222 views

Category:

Documents


0 download

TRANSCRIPT

Page 1: Business On Line Customer Handbook - Bank of Ireland

Business On LineCustomer Handbook

Page 2: Business On Line Customer Handbook - Bank of Ireland

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

Page 3: Business On Line Customer Handbook - Bank of Ireland

1

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.

Page 4: Business On Line Customer Handbook - Bank of Ireland

2

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.

Page 5: Business On Line Customer Handbook - Bank of Ireland

3

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.

Page 6: Business On Line Customer Handbook - Bank of Ireland

4

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.

Page 7: Business On Line Customer Handbook - Bank of Ireland

5

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.

Page 8: Business On Line Customer Handbook - Bank of Ireland

6

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.

Page 9: Business On Line Customer Handbook - Bank of Ireland

7

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

Page 10: Business On Line Customer Handbook - Bank of Ireland

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)

8

Page 11: Business On Line Customer Handbook - Bank of Ireland

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.

9

Page 12: Business On Line Customer Handbook - Bank of Ireland

10

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.

Page 13: Business On Line Customer Handbook - Bank of Ireland

11

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.

Page 14: Business On Line Customer Handbook - Bank of Ireland

Pag

e 1

of

12C

ode

Thi

s d

ocu

men

t is

pub

lishe

d b

y B

ank

of

Irel

and

, and

bo

th it

, and

its’

co

nten

ts, a

re t

he p

rop

erty

of

Ban

k o

f Ir

elan

d.

Thi

s d

ocu

men

t m

ay n

ot

be

rep

rod

uced

or

furt

her

dis

trib

uted

, in

who

le o

r in

par

t, w

itho

ut t

he e

xpre

ss w

ritt

en p

erm

issi

on

of

Ban

k o

f Ir

elan

d.

SE

PA C

redi

t Tr

ansf

er

Con

vers

ion

Ser

vice

:S

tand

ard

18 F

ile

Spe

cific

atio

n –

BO

L Im

port

Page 15: Business On Line Customer Handbook - Bank of Ireland

Pag

e 2

of

12C

ode

BO

I Sta

ndar

d 1

8 Fi

le S

pec

ifica

tion

– C

onte

nts

In

tro

duc

tion

S

EPA

Sp

ecifi

c D

ata

Req

uire

men

ts

Fi

le S

pec

ifica

tion

1.

Volu

me

Hea

der

Lab

el

2.

Fiel

d H

ead

er L

abel

3.

Use

r Hea

der

Lab

el

4.

Dat

a R

ecor

ds

5.

Con

tra

Rec

ord

s

6.

Use

r Tra

iler L

abel

7.

Sp

ecim

en F

ile L

ayou

t – Im

por

t

C

ont

act D

etai

ls

Page 16: Business On Line Customer Handbook - Bank of Ireland

Pag

e 3

of

12C

ode

BO

I Sta

ndar

d 1

8 Fi

le S

pec

ifica

tion

– In

trodu

ctio

n

SEP

A, w

hich

sta

nds

for t

he ‘S

ingl

e Eu

ro P

aym

ents

Are

a’, i

s an

EU

-driv

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.

Page 17: Business On Line Customer Handbook - Bank of Ireland

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.

Page 18: Business On Line Customer Handbook - Bank of Ireland

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

Page 19: Business On Line Customer Handbook - Bank of Ireland

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

Page 20: Business On Line Customer Handbook - Bank of Ireland

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

Page 21: Business On Line Customer Handbook - Bank of Ireland

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

Page 22: Business On Line Customer Handbook - Bank of Ireland

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

Page 23: Business On Line Customer Handbook - Bank of Ireland

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

Page 24: Business On Line Customer Handbook - Bank of Ireland

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.

Page 25: Business On Line Customer Handbook - Bank of Ireland

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.

Page 26: Business On Line Customer Handbook - Bank of Ireland

Bank of Ireland is regulated by the Central Bank of Ireland.