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Implementation guide

GlobalOn-Line Local payments

SWIFT MT101 format

Version 1.9.0

Publishing date 1 July 2019


MT101-format GlobalOn-Line Local payments (81)

Version 1.9.0 Publishing date 1 July 2019

Table of contents 1 INTRODUCTION ...................................................................................................................................... 4

2 HISTORY .................................................................................................................................................. 5

3 IMPLEMENTATION GUIDELINES .......................................................................................................... 6 3.1 Set-up guidelines ............................................................................................................................................. 6

3.1.1 SEQUENCE A ............................................................................................................................................................... 6 3.1.2 SEQUENCE B ............................................................................................................................................................... 7

4 COUNTRY SPECIFIC INFORMATION FOR LOCAL PAYMENTS VIA GLOBALON-LINE ................ 10 4.1 China .............................................................................................................................................................. 10

4.1.1 BANK TRANSFERS .................................................................................................................................................... 10 4.1.2 URGENT PAYMENT ................................................................................................................................................... 11 4.1.3 OTHER TERMS AND CONDITIONS ........................................................................................................................... 11

4.2 Denmark ......................................................................................................................................................... 12 4.2.1 BANK TRANSFER ...................................................................................................................................................... 12 4.2.2 GIRO PAYMENT, FORM TYPE 01 .............................................................................................................................. 13 4.2.3 GIRO PAYMENT, FORM TYPE 04 .............................................................................................................................. 14 4.2.4 GIRO PAYMENT, FORM TYPE 15 .............................................................................................................................. 15 4.2.5 FI PAYMENT, FORM TYPE 71 ................................................................................................................................... 16 4.2.6 FI PAYMENT, FORM TYPE 73 ................................................................................................................................... 17 4.2.7 FI PAYMENT, FORM TYPE 75 ................................................................................................................................... 18 4.2.8 SALARY PAYMENT .................................................................................................................................................... 19 4.2.9 FINANCIAL PAYMENT................................................................................................................................................ 20

4.3 Estonia ........................................................................................................................................................... 21 4.3.1 SEPA CREDIT TRANSFER......................................................................................................................................... 21 4.3.2 SEPA CREDIT TRANSFER STRUCTURED ............................................................................................................... 22 4.3.3 SEPA SALARY ............................................................................................................................................................ 23 4.3.4 EUR EXPRESS ........................................................................................................................................................... 24

4.4 Finland ........................................................................................................................................................... 25 4.4.1 SEPA CREDIT TRANSFER STRUCTURED ............................................................................................................... 25 4.4.2 SEPA CREDIT TRANSFER......................................................................................................................................... 26 4.4.3 SEPA SALARY ............................................................................................................................................................ 27 4.4.4 URGENT PAYMENT (ILGIRO) .................................................................................................................................... 28

4.5 France ............................................................................................................................................................ 29 4.5.1 SEPA CREDIT TRANSFER......................................................................................................................................... 29 4.5.2 SEPA CREDIT TRANSFER STRUCTURED ............................................................................................................... 30 4.5.3 SEPA SALARY ............................................................................................................................................................ 31

4.6 Germany ........................................................................................................................................................ 32 4.6.1 SEPA CREDIT TRANSFER......................................................................................................................................... 32 4.6.2 SEPA CREDIT TRANSFER STRUCTURED ............................................................................................................... 33 4.6.3 SEPA SALARY ............................................................................................................................................................ 34 4.6.4 EUR EXPRESS PAYMENT ......................................................................................................................................... 35 4.6.5 FINANCIAL PAYMENT................................................................................................................................................ 35

4.7 Great Britain ................................................................................................................................................... 37 4.7.1 BACS PAYMENT ........................................................................................................................................................ 37 4.7.2 CHAPS PAYMENT (URGENT GBP) ........................................................................................................................... 38 4.7.3 CHEQUE PAYMENT ................................................................................................................................................... 39

4.8 Hong Kong ..................................................................................................................................................... 40 4.8.1 ACCOUNT PAYMENT................................................................................................................................................. 40 4.8.2 CHEQUE PAYMENT ................................................................................................................................................... 41




4.9 Latvia .............................................................................................................................................................. 42 4.9.1 SEPA CREDIT TRANSFER......................................................................................................................................... 42 4.9.2 SEPA CREDIT TRANSFER STRUCTURED ............................................................................................................... 43 4.9.3 SEPA SALARY ............................................................................................................................................................ 44 4.9.4 EUR EXPRESS ........................................................................................................................................................... 45

4.10 Lithuania ......................................................................................................................................................... 46 4.10.1 SEPA CREDIT TRANSFER .................................................................................................................................... 46 4.10.2 SEPA CREDIT TRANSFER STRUCTURED........................................................................................................... 47 4.10.3 SEPA SALARY ....................................................................................................................................................... 48 4.10.4 EUR EXPRESS ...................................................................................................................................................... 49

4.11 Luxembourg ................................................................................................................................................... 50 4.11.1 SEPA CREDIT TRANSFER .................................................................................................................................... 50 4.11.2 SEPA CREDIT TRANSFER STRUCTURED........................................................................................................... 51 4.11.3 EUR EXPRESS ...................................................................................................................................................... 52

4.12 The Netherlands ............................................................................................................................................. 53 4.12.1 SEPA CREDIT TRANSFER .................................................................................................................................... 53 4.12.2 SEPA CREDIT TRANSFER STRUCTURED........................................................................................................... 54 4.12.3 SEPA SALARY ....................................................................................................................................................... 55 4.12.4 EUR EXPRESS PAYMENT .................................................................................................................................... 56

4.13 Norway ........................................................................................................................................................... 57 4.13.1 KID AND TAX PAYMENTS ..................................................................................................................................... 57 4.13.2 PAYMENT WITH MESSAGE .................................................................................................................................. 58 4.13.3 CASH PAYMENTS ................................................................................................................................................. 59 4.13.4 SALARY PAYMENTS ............................................................................................................................................. 60 4.13.5 FINANCIAL PAYMENT ........................................................................................................................................... 61

4.14 Poland ............................................................................................................................................................ 62 4.14.1 NORMAL PAYMENT .............................................................................................................................................. 62 4.14.3 TAX PAYMENT/CUSTOMS DUTY ......................................................................................................................... 63 4.14.4 SORBNET ON REQUEST ...................................................................................................................................... 66 4.14.5 NORMAL PAYMENT – SPLIT PAYMENT .............................................................................................................. 67 4.14.6 SORBNET ON REQUEST- SPLIT PAYMENT ........................................................................................................ 68

4.15 Singapore ....................................................................................................................................................... 70 4.15.1 ACCOUNT PAYMENT ............................................................................................................................................ 70 4.15.2 CHEQUE PAYMENT .............................................................................................................................................. 71

4.16 Sweden .......................................................................................................................................................... 72 4.16.1 GIRO PAYMENTS .................................................................................................................................................. 72 4.16.2 BANKGIRO PAYMENTS WITH OCR REFERENCE ............................................................................................... 72 4.16.3 BANKGIRO PAYMENT WITH MESSAGE .............................................................................................................. 73 4.16.4 PLUSGIRO PAYMENTS WITH OCR REFERENCE ............................................................................................... 74 4.16.5 PLUSGIRO PAYMENT WITH MESSAGE ............................................................................................................... 75 4.16.6 ACCOUNT PAYMENT ............................................................................................................................................ 76 4.16.7 SALARY PAYMENT ............................................................................................................................................... 77

4.17 USA ................................................................................................................................................................ 78 4.17.1 ACH PAYMENT ...................................................................................................................................................... 78 4.17.2 FEDWIRE PAYMENT (URGENT PAYMENT) ......................................................................................................... 79

5 APPENDICES ........................................................................................................................................ 80 5.1 Debit account structures ................................................................................................................................. 80

5.1.1 ORDERING CUSTOMER ACCOUNTS IN HANDELSBANKEN ................................................................................... 80 5.1.2 ORDERING CUSTOMER ACCOUNTS HELD IN OTHER BANKS .............................................................................. 81




1 Introduction Handelsbanken’s implementation guidelines will describe the contents of GlobalOn-Line local payments based on SWIFT MT101-format. In the first part of the document you will find a description of the format, after the format description you will find a more detailed specification for each payment type and country.

It is currently possible to make local payments via GlobalOn-Line in Handelsbanken.

China Great Britain Norway

Denmark Hong Kong Poland

Estonia Latvia Singapore

Finland Lithuania Sweden

France Luxembourg USA

Germany Netherlands Other banks

Payments can also be made from accounts held with other banks. The service is based on Handelsbanken having an agreement with the account holding bank in order to execute payments. Please contact your debtor agent for information regarding how to state your debtor account.

Local Financial payments can currently be made from accounts in Handelsbanken Denmark, Finland, Germany, Norway and Sweden according to special agreement.

This description is unique for Handelsbanken’s services and can therefore only be used in co-operation with Handelsbanken.

For cross-border payments see the Implementation guide SWIFT MT101-format Cross-border payments.

More information about GlobalOn-Line local payments can be obtained from your local branch office.




2 History At Handelsbanken, changes to version numbers are made according to the following guidelines. The original version is 1.0.0.

• The last digit is changed when the format descriptions are changed, for example text clarifications and examples.

• The second digit is changed if minor changes are made to the format such as new countries or changes in the payment type

• The first digit is changed (thus becoming a completely new version) if the format changes mean that the customer will have to make adaptations in order to continue using the service. In this case, all customers affected are informed of the new version and what the changes involve.

Version Date Description

1.9.0 2019-07-01 DE: New payment type for Germany, EUR Express Payment LV: Clarification regarding regulatory reporting PL: New payment type – Split payments

1.8.5 2017-12-13 PL: ZUS payment no longer available

1.8.4 2017-09-07 IBAN can be used as beneficiary account in DK, GB and NO.

1.8.3 2017-07-06 Minor updates and changes

1.8.2 2017-05-19 Minor updates and changes

1.8.1 2016-06-30 Salary payment available for EE, LV and LT. New payment type for NL, EUR Express Payment. Changed version number.

1.7.1

(former 1.5.3)

2013-12-12 New payment types for Estonia and Latvia due to SEPA migration end-date. BIC is optional if Debit or Beneficiary’s account number is stated as an IBAN.

1.6.1

(former 1.5.2)

2013-07-10 New payment types for FR, GE, LU and NL due to SEPA migration end-date.

1.5.1 2013-02-22 Updated instructions for Local Salary Payments Finland.

Older versions Please contact your local branch if you have questions concerning older versions.




3 Implementation guidelines Sequence A contains general information and is a single occurrence mandatory sequence and contains information to be applied to all individual transactions detailed in sequence B.

A file sent to Handelsbanken can contain several sequences A. I.e. the file starts with one sequence A and is followed by one or more sequence B, which are going to be debited the account number stated in the first sequence A. Then comes a new sequence A followed by one or more sequence B, which are going to be debited the account number stated in the second sequence A etc.

Status:

M = Mandatory

N = Not used

O = Optional

R = Required (under certain conditions)

Explanations:

a = alphabetic letters

c = alphabetic letters and digits

d = amount, must contain one digit and comma’,’. Maximum length includes the decimal comma.

n = digits, ex. 2n up to 2 digits

x = character

! = always..!, ex 3!a always 3 letters

/ = slash followed by an account number

[ ] = subfield, i.e. optional

3.1 Set-up guidelines 3.1.1 SEQUENCE A

Status Tag Field name Content/ Options

Definition / Usage rules

M 20 Sender’s Reference 16x Must be unique for each message (or chain of messages) and must not start or end with a slash ‘/’ or contain two consecutive slashes ‘//’.

O 21R Customer Specified Reference

16x Always ‘NOLI’

N 28D Message Index / Total 5n/5n Accepted but not acted upon.

O 50L Instructing Party 35x Party which is authorized by the account owner to order all the transactions in the message.

M 50H Ordering Customer /34x 4*35x

Line 1: /Account to be debited for all subsequent transactions in sequence B.

Line 2: customer identity in Handelsbanken, Business organisation/SHB number.

See country specific information.






R 52A Account Servicing Institution

4!a2!a2!c [3!c]

BIC of the bank servicing the customer’s account to be debited, e.g. HANDDKKK.

Optional if Debit account is stated as an IBAN.

See country specific information.

N 51A Sending Institution Not used.

M 30 Requested Execution Date

6!n Execution date.

The date on which all subsequent transactions in sequence B should be initiated by the executing bank

N 25 Authorisation 35x Not used

3.1.2 SEQUENCE B Status Tag Field name Content/O

ptions Definition / Usage rules

M 21 Transaction Reference 16x This field specifies the senders own unique reference for the individual transaction contained in a particular occurrence of sequence B.

Must not start or end with a slash ‘/’ or contain two consecutive slashes ‘//’.

If the payment fulfils the requirements of a euro payment within SEPA and if a reference is provided, the reference will be sent to the beneficiary. Otherwise the reference will not be forwarded to the beneficiary.

N 21F F/X Deal Reference 16x Not used

R 23E Instruction Code 4a[/30x] Method of payment.

Tag to be stated only when code is used When tag is not used (blank), the payment is handled as a local non-urgent payment.

Codes accepted:

CHQB = local cash payment (only NO) and local cheque payment (only GB, HK and SG).

URGP = urgent local payment local payments (only CN,DE, EE, GB, LV, LU, NL and US).

OTHR/SALY = salary (only DE, DK, EE, FI, FR, LT, LV, NL, NO and SE).

CORT = Financial payment (only DK, DE, NO and SE) and financial or urgent payment(only FI)

See country specific information




Status Tag Field name Content/Options


M 32B Currency/Transaction Amount

3!a15d Currency and amount of the subsequent transfer. Must be the currency of the debit account.

N 50L Instructing Party 35x Not used in Sequence B

N 50H Ordering Customer /34x 4*35x

Not used in Sequence B

N 52A Account Servicing Institution

Not used in Sequence B

N 56A Intermediary Not used

R 57A

57C

Account With Institution

Option A: 4!a2!a2!c [3!c] or [/1!a] [/34x]

4!a2!a2!c [3!c]

Option C:

/34x

Beneficiary bank identification

BIC or // followed by a two letter national clearing system code and a numeric party identifier (National bank-ID) and a BIC.

Eg: 57A HANDDEFF Or 57A://FW123456789 HANDUS33

Option A, BIC must be used if Tag 23E = CORT

// followed by a two letter national clearing system code and a numeric party identifier (National bank-ID)

Eg: 57C://SE5261

Exceptions: When Tag 23E = CHQB then Tag 57 is not used

Optional if Beneficiary’s account number is stated as an IBAN


M 59 Beneficiary [/34x] 4*35x

Beneficiary’s account number preceded by slash (/), name and address. Fill in the name and address starting on the first line. If you leave intermediate lines with no text, you must fill these lines with empty spaces; otherwise the whole file will be rejected.

Full address must be filled in when an advice is to be sent to the beneficiary and/or in combination with Tag 23E = CHQB.





Status Tag Field name Content/Options


R 70 Remittance Information 4*35x Reference, message to the beneficiary

Max 4x35 characters

See country specific information. It is important to follow description for each payment type and country.

O 77B Regulatory Reporting 3*35x Example1: without reporting to the central bank //Beneficiary country code. E.g. //LT

Example 2: with reporting to the central bank /CODE/Beneficiary country code. E.g. /111/LV


N 33B Currency/Original Ordered Amount

3!a15d Not used

N 71A Details of Charges 3a Accepted but not acted upon

N 25A Charges Account /34x Not used

N 36 Exchange Rate 12d Not used




4 Country specific information for local payments via GlobalOn-Line

In this chapter country specific information for local payments through GlobalOn-Line will be described. A business example will be presented for some of the payment types. In all examples ordering customer account appears in Sequence A; single MT101 with single debit account.

4.1 China Ordering customer account number in BBAN format is mandatory.

Beneficiary account number as BBAN, maximum 10 characters, is mandatory.

The payment currency must be in CNY. The debit account can be in any currency. SHB CN will convert into CNY.

A message to the beneficiary can be entered with a maximum of 4x35 characters.

4.1.1 BANK TRANSFERS Business term/ Payment orders

Tag Content Description Example

Beneficiary, credit account 59 [/34x] 4*35x

Account no /4010230120

Beneficiary name

Remittance Information 70 4*35x Message, max 4x35 characters Invoice 123

Example Local non-urgent Bank transfer payment Explanation Format

Sender’s Reference :20:FILEREF1

Customer Specified Reference :21R:NOLI

Ordering Customer :50H:/1201002151 55657879327

Account Servicing Institution :52A:HANDCNSH

Requested Execution Date :30:160613

Transaction Reference :21:TRANSREF1

Currency/Transaction Amount :32B:CNY1000,

Beneficiary :59:/4010230120 Beneficiary name

Remittance information :70:Invoice no 123




4.1.2 URGENT PAYMENT Business term/ Payment orders


Instruction Code 23E 4a Code for urgent payment = URGP

URGP


Account no, 10 digits /4010230120 Beneficiary Name


Example Local urgent Bank transfer payment Explanation Format




Account Servicing Institution :52A:HANDCNSH



Instruction Code :23E:URGP

Currency/Transaction Amount :32B:CNY1000,



4.1.3 OTHER TERMS AND CONDITIONS According to the local regulation, some of the payment orders need to have supporting documents to be verified by the bank before pay-out. In such case, same day value is not guaranteed unless full set of supporting documents have been verified by the bank before the value date. Please contact local branch if any uncertainty.




4.2 Denmark Ordering customer account number in a BBAN or IBAN format is mandatory.

4.2.1 BANK TRANSFER Beneficiary account number can be either in BBAN format (11-14 digits including clearing number) or IBAN format (18 characters).


Business term/ Payment orders



Account no. BBAN /1234567890 Beneficiary name


Example Local non-urgent Bank transfer payment Explanation Format




Account Servicing Institution :52A:HANDDKKK



Currency/Transaction Amount :32B:DKK100,






4.2.2 GIRO PAYMENT, FORM TYPE 01 Beneficiary account number in a GIRO format is mandatory. Please note that the text “GIRO” must always be entered before the Giro number, stated with 7 or 8 digits.

Message to the beneficiary must always be entered with a maximum of 4x35 characters.

The form type code shall not be filled in.



Beneficiary, credit account, 59 [/34x] 4*35x

Giro account number /GIRO12345678 Beneficiary name

Remittance Information 70 4*35x Message, max 4x35 characters Invoice no 123

Example Local non-urgent GIRO form type 01 payment Explanation Format








Beneficiary :59:/GIRO12345678 Beneficiary name






In the coded line in the bottom of the payment form you will find the form type code (2 digits = 04), the OCR reference (16 digits) and the GIRO account according to this example:

+04<0000022605308440+6543433<

The OCR reference (structured reference) must always be entered for form type 04. The OCR reference must always begin with the form type code (04). I.e. the reference starting with the form type code, total of 18 digits, must always be entered in the reference field.





Remittance Information 70 4*35x OCR reference from the GIRO form, incl. Form type code ‘04’, 18 digits

040000022605308440










Remittance information :70:040000022605308440





In the coded line in the bottom of the payment form you will find the form type code (2 digits = 15), the OCR reference (16 digits) and the GIRO account according to this example:

+15<0000022605308440+6543433<

The OCR reference (structured reference) must always be entered for form type 15. The OCR reference must always begin with the form type code (15). I.e. the reference starting with form type code, total of 18 digits, must always be entered in the reference field.





Remittance Information 70 4*35x OCR reference from the GIRO form, incl. Form type code’15’, 18 digits

150000022605308440














4.2.5 FI PAYMENT, FORM TYPE 71 FI creditor number should be used as beneficiary account number. “FI” must be entered before the FI creditor number, stated with 8 digits.

In the coded line in the bottom of the payment form you will find the form type code (2 digits = 71), the OCR reference (15 digits) and the FI creditor number according to this example:

+71<000000005308440+81517654<

The OCR reference (structured reference) must always be entered for form type 71. The OCR reference must always begin with the form type code (71).

I.e. the reference starting with the form type code, total of 17 digits, must always be entered in the reference field.




FI creditor number /FI87654321 Beneficiary name

Remittance Information 70 4*35x OCR reference from the FI form, incl. Form type code ‘71’, 17 digits

71000000005308440

Example Local non-urgent FI form type 71 payment Explanation Format








Beneficiary :59:/FI87654321 Beneficiary name





4.2.6 FI PAYMENT, FORM TYPE 73 FI creditor number should be used as beneficiary account number. “FI” must be entered before the FI creditor number, stated with 8 digits.

Message to the beneficiary must always be entered with a maximum of 4x35 characters.

The form type code shall not be filled in.





Remittance Information 70 4*35x Message, max 4x35 characters Invoice no 123

Example Local non-urgent FI form type 73 payment Explanation Format













4.2.7 FI PAYMENT, FORM TYPE 75 FI creditor number should be used as beneficiary account number. “FI” must be entered before the FI creditor number, stated with 8 digtis.

The OCR reference (structured reference) must always be entered for form type 75. The OCR reference must always begin with the form type code (75).

In the code line in the bottom of the payment form you will find the form type code (2 digits = 75), the OCR reference (16 digits) and the FI creditor number according to this example:

+75<0000000055308440+87654321<





Remittance Information 70 4*35x OCR reference from the FI form, incl. Form type code ‘75’, 18 digits

750000000055308440

Example Local non-urgent FI form type 75 payment

Explanation Format













4.2.8 SALARY PAYMENT Beneficiary account number can be either in BBAN format (11-14 digits including clearing number) or IBAN format (18 characters).

It is not possible to enter a message to the beneficiary when making a salary payment.



Instruction Code 23E 4a[/30x] Code for salary payment = OTHR/SALY

OTHR/SALY


Account no. BBAN /12345678901234 Beneficiary name

Example salary payment

Explanation Format







Instruction Code :23E:OTHR/SALY






4.2.9 FINANCIAL PAYMENT Beneficiary account number in an IBAN format, 18 characters, is mandatory for Financial payments in Denmark.

A message to the beneficiary could be entered with a maximum of 4x35 characters.



Instruction Code 23E 4a[/30x] Code for Financial payment = CORT

CORT

Account With Institution 57A [/1!a] [/34x]

Beneficiary bank identification, BIC /HANDDKKK


IBAN /DK3630001234567890 Beneficiary name

Remittance Information 70 4*35x Message, max 4x35 characters FX deal ref 782

Example Local Financial payment Explanation Format







Instruction Code :23E:CORT


Account With Institution :57A:DABADKKK

Beneficiary :59:/DK3630001234567890 Beneficiary name

Remittance information :70:FX deal ref 782




4.3 Estonia Ordering customer account number in an IBAN format is mandatory.

Beneficiary account number in an IBAN format is mandatory.

4.3.1 SEPA CREDIT TRANSFER A message to the beneficiary can be entered with a maximum of 4x35 characters.

It is possible to register to enter a RF Creditor reference (max 25 characters starting with RF and 2 digit control number) or a Viite reference (max 20 characters) in this field together with a message. If you enter both structured reference and a message in this field the information has to be formatted into unstructured information tag as follows:

/RFB/XXXXXX/TXT/ZZZZZZ

RFB is the code of creditor reference, XXX is the creditor reference, TXT code of message (unstructured information), ZZZ is the message.




Beneficiary bank identification,

BIC

EPBEEE2X


Account number, IBAN /EE518300008300014248 Beneficiary name

Remittance Information 70 4*35x Message, max 4x35 characters /RFB/ RF123456789 /TXT/Product XY

Example SEPA credit transfer with message Explanation Format



Ordering Customer :50H:/EE518300008300014248 3324569876

Account Servicing Institution :52A:HANDEE22



Currency/Transaction Amount :32B:EUR100,

Beneficiary bank identification :57A:EPBEEE2X

Beneficiary :59:/EE788300008300020261 Beneficiary name

Remittance information :70:/RFB/ RF123456789/TXT/Product XY




4.3.2 SEPA CREDIT TRANSFER STRUCTURED It is mandatory to enter a RF Creditor reference, max 25 characters starting with RF and 2 digit control number, or a Viite reference, max 20 characters, to the beneficiary.





BIC

PSSTFRPP



Remittance Information 70 4*35x RF reference, max 25 digits

Or

Viite reference, max 20 digits

RF1234567890

1234567890

Example SEPA credit transfer with structured reference Explanation Format








Beneficiary bank identification :57A:EPBEEE2X


Remittance information :70:RF1234567890




4.3.3 SEPA SALARY A message to the beneficiary could be entered with a maximum of 4x35 characters.




OTHR/SALY



Remittance Information 70 4*35x Message, max 4x35 characters Salary

Example SEPA Salary Explanation Format










Remittance information :70:Salary




4.3.4 EUR EXPRESS A message to the beneficiary could be entered with a maximum of 4x35 characters.



Instruction Code 23E 4a Code for express payment = URGP

URGP



Remittance Information 70 4*35x Message, max 4x35 characters Invoice 123 customer no. A322

Example EUR Express Explanation Format










Remittance information :70:Invoice 123 customer no. A322




4.4 Finland Ordering customer account number in an IBAN format is mandatory.


4.4.1 SEPA CREDIT TRANSFER STRUCTURED It is mandatory to enter a reference. It could either be the local Finnish reference, max 20 digits, or the RF Creditor reference, max 25 digits.




Beneficiary bank identification, BIC

HANDFIHH


Account number, 18 characters IBAN

/FI0331310000556364 Beneficiary name

Remittance Information 70 4*35x Local reference, max 20 digits

or

RF reference, max 25 digits

1983704833

RF781983704833

Example SEPA credit transfer structured Explanation Format




Account Servicing Institution :52A:HANDFIHH




Beneficiary bank identification :57A:HANDFIHH







Tax payments should be done as a giro payment with message.





BIC

HANDFIHH




Remittance Information 70 4*35x Message, max 4x35 characters Invoice no. 123











Remittance information :70:Invoice no. 123




4.4.3 SEPA SALARY A message to the beneficiary can be entered with a maximum of 4 x 35 characters. A Finnish identity number shall not be given in this field.

Notice that Requested execution payment date (Tag 30) will be the date when the ordering party’s account is debited and not the date when the beneficiaries account is credited.




OTHR/SALY



BIC

HANDFIHH





Example SEPA Salary Explanation Format







Instruction Code 23E:OTHR/SALY








4.4.4 URGENT PAYMENT (ILGIRO) A message to the beneficiary can be entered with maximum of 2 X 35 characters.




CORT



BIC

HANDFIHH





Example Urgent payment (Ilgiro) Explanation Format









Account With Institution 57A:HANDFIHH





4.5 France Ordering customer account number in an IBAN format is mandatory.







BIC

PSSTFRPP


Account number, IBAN /FR7614568000010000200119859 Beneficiary name





Ordering Customer :50H:/ FR1234568000010000200119859 3324569876

Account Servicing Institution :52A:HANDFRPP




Beneficiary bank identification :57A:PSSTFRPP

Beneficiary :59:/FR7614568000010000200119859 Beneficiary name





4.5.2 SEPA CREDIT TRANSFER STRUCTURED It is mandatory to enter a RF Creditor reference, max 25 characters to the beneficiary.





BIC

PSSTFRPP



Remittance Information 70 4*35x RF reference, max 25 digits RF781983704833















4.5.3 SEPA SALARY A message to the beneficiary can be entered with a maximum of 4x35 characters.




OTHR/SALY



BIC

PSSTFRPP




Example SEPA salary Explanation Format















4.6 Germany Ordering customer account number in an IBAN format is mandatory.







PBNKDEFF


Account number, IBAN /DE03200100200541414200 Beneficiary name





Ordering Customer :50H:/ 0012345678

3324569876

Account Servicing Institution :52A:HANDDEFF




Beneficiary bank identification :57A:PBNKDEFF

Beneficiary :59:/DE03200100200541414200 Beneficiary name










PBNKDEFF








3324569876















OTHR/SALY



BIC

PBNKDEFF








3324569876












4.6.4 EUR EXPRESS PAYMENT A message to the beneficiary can be entered with a maximum of 4x35 characters.

Payment can be made to all countries within the SEPA area (the EU, EEA, Monaco, Switzerland).



Instruction Code 23E 4a Code for EUR express payment = URGP

URGP


Account number, IBAN DE03200100200541414200

Remittance Information 70 4*35x Message, max 4x35 characters

Invoice 123




Ordering Customer : 50H:/ 0012345678

3324569876

Account Servicing Institution :52A: HANDDEFF






Remittance information :70:Invoice 123

4.6.5 FINANCIAL PAYMENT A message to the beneficiary can be entered with a maximum of 4x27 characters.




CORT



HANDDEFF


Account number, BBAN /1234567890 Beneficiary name





Example Financial Payment Explanation Format









Account With Institution :57A:HANDDEFF


Remittance information :70:FX deal 123




4.7 Great Britain Ordering customer account number can be stated as either BBAN or IBAN.

Please note that a Sort Code consisting of 6 digits is mandatory for all payments. The Sort Code corresponds to the clearing number, and is used to identify the correct bank. Please note that ‘SC’ must be entered before the Sort Code.

4.7.1 BACS PAYMENT • The name of the beneficiary should be entered with a maximum of 18 characters when making a

BACS payment.

• The beneficiry account can be either in BBAN format (1-8 digits) or IBAN format (22 characters). If the creditor account is stated in BBAN format the Sort Code (6 digits) is mandatory to identify the creditor bank.

• A message to the beneficiary is mandatory, maximum of 18 characters.



Currency/Transaction Amount

32B 3!a15d Currency and amount of the subsequent transfer. Must be GBP.

GBP100

Account With Institution 57C //34x Sort Code of beneficiary bank, 6 digits, starting with ‘//SC’

//SC334455

Beneficiary, credit account BBAN

59 [/34x] 4*35x

Account no, 1 - 8 digits /9046090 Beneficiary name

Remittance Information 70 4*35x Message, max 18 characters Invoice 123

Example Local non-urgent BACS payment Explanation Format




Account Servicing Institution :52A:HANDGB22



Currency/Transaction Amount :32B:GBP100,

Account With Institution :57C://SC334455






4.7.2 CHAPS PAYMENT (URGENT GBP) • The beneficiary account number must be entered with 1-34 characters. • The beneficiary bank must always be identified with at Sort Code. • A message to the beneficiary can be entered with a maximum of 4x35 characters.



Instruction Code 23E 4a Code for urgent payment = URGP

URGP

Account With Institution 57C //34x Sort Code of beneficiary bank, 6 digits, starting with ‘//SC’

//SC334455


Account no, 1 - 34 digits /9046090 Beneficiary name


Example Local urgent CHAPS payment Explanation Format









Account With Institution :57C://SC334455






4.7.3 CHEQUE PAYMENT It is mandatory to enter the beneficiary’s full name and address if the payment is made via cheque.




Instruction Code 23E 4a Code for cheque payment = CHQB

CHQB

Beneficiary 59 4*35 Full name and address of the beneficiary

Beneficiary name 9 Thomas More Street London, E1W 1GE


Example Cheque payment Explanation Format







Instruction Code 23E:CHQB


Beneficiary :59:Beneficiary name 9 Thomas More Street London, E1W 1GE





4.8 Hong Kong Ordering customer account number must be stated as BBAN.

4.8.1 ACCOUNT PAYMENT The beneficiary account must be entered as BBAN, with a maximum of 31 digits. A BIC is mandatory as Beneficiary bank identification.





Beneficiary bank identification, BIC STCAHKH1


Account no. BBAN /12390513072


Example Local non urgent Account payment Explanation Format




Account Servicing Institution :52A:HANDHKHH



Currency/Transaction Amount :32B:HKD100,

Credit Account Servicing Institution, BIC :57A:STCAHKH1






4.8.2 CHEQUE PAYMENT It is mandatory to enter the beneficiary’s full name and address if the payment is made via cheque.





CHQB

Beneficiary 59 4*35x Full name and address of the beneficiary

Beneficiary name 2008 Hutchinson H Hong Kong






Account Servicing Institution :52A:HANDHKHH




Currency/Transaction Amount :32B:HKD100,

Beneficiary :59:Beneficiary name 2008 Hutchinson H Hong Kong





4.9 Latvia Ordering customer account number in an IBAN format is mandatory.


Please note that system requires Central Bank code for all payments equal to or over 10.000 EUR equivalent , even if payer and beneficiary are both LV residents. The reason is that residency is only detected after the payment order is received by the Bank. For a complete list of payment codes please see: http://www.handelsbanken.se/shb/inet/icentsv.nsf/vlookuppics/y_bankarenden_foretag_latvijas_banka_list_of_external_payment_codes/$file/latbanklistextpaycod.pdf

It is the customer's responsibility to ensure entering of correct code, since the bank do not check and correct this field.



Regulatory Reporting 77B 3*35x Central bank code/Beneficiary country code

/111/LV






HANDLV22


Account number, IBAN /LV44HAND0008300000951 Beneficiary name

Remittance Information 70 4*35x Message, max 4x35 characters INVOICE 123

Regulatory Reporting 77B 3*35x Central bank code/Beneficiary country code

/111/LV




Ordering Customer :50H:/LV44HAND0008300000951 3321251633

Account Servicing Institution :52A:HANDLV22




Beneficiary bank identification :57A:LACBLV2X

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

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




Beneficiary :59:/LV44BANK0008300000951 Beneficiary name

Remittance information :70: INVOICE 123

Regulatory reporting :77B:/111/LV

4.9.2 SEPA CREDIT TRANSFER STRUCTURED It is mandatory to enter a RF Creditor reference, max 25 characters starting with RF and 2 digit control number to the creditor.





HANDLV22




Regulatory Reporting 77B 3*35x Beneficiary country code //LV










Beneficiary :59:/LVBANK440008300000951 Beneficiary name


Regulatory reporting :77B://LV








OTHR/SALY



HANDLV22




Salary






Account Servicing Institution :52A: HANDLV22





Beneficiary bank identification :57A: LACBLV2X

Beneficiary :59:/ LVBANK440008300000951 Beneficiary name






4.9.4 EUR EXPRESS It is mandatory to enter a message to the beneficiary with a maximum of 4x35 characters.




URGP


Account number, IBAN LV44HAND0008300000951











Currency/Transaction Amount :32B:EUR2,00

Beneficiary :57A: LACBLV2X

Beneficiary, credit account :59:/LV44HAND0008300000951

Beneficiary name

Remittance information :70:INVOICE 123





4.10 Lithuania Ordering customer account number in an IBAN format is mandatory.


It is mandatory to enter the reference number from the invoice for payments to Tax inspection, Social Insurance Fund and Custom Department. Use the payment type SEPA Credit Transfer Structured.






LACBLV2X


Account number, IBAN /LT942120083000004816 Beneficiary name





Ordering Customer :50H:/LT572120083000004803

3321251633

Account Servicing Institution :52A:HANDLT2X





Beneficiary :59:/LT942120083000004816 Beneficiary name

Remittance information :70: INVOICE 123




4.10.2 SEPA CREDIT TRANSFER STRUCTURED It is mandatory to enter a reference as message to the creditor. It can either be the local Lithuanian reference or the RF Creditor reference.





LACBLV2X








3321251633















OTHR/SALY



LACBLV2X




Salary





3321251633






Beneficiary bank identification :57A: LACBLV2X






4.10.4 EUR EXPRESS It is mandatory to enter a message to the beneficiary with a maximum of 4x35 characters.




URGP



LACBLV2X


Account number, IBAN LT942120083000004816






3321251633





Currency/Transaction Amount :32B:EUR2,00

Beneficiary :57A: LACBLV2X

Beneficiary, credit account :59:/LT942120083000004816

Beneficiary name

Remittance information :70:INVOICE 123




4.11 Luxembourg Ordering customer account number in an IBAN format is mandatory.







BIC

CCPLLULL


Account number, IBAN /LU181111026606280000 Beneficiary name





Ordering Customer :50H:/12345678

Account Servicing Institution :52A:HANDLULB




Beneficiary bank identification :57A: CCPLLULL

Beneficiary :59:/LU181111026606280000 Beneficiary name










CCPLLULL


Account number, IBAN /LU181111026606280000 Beneficiary name










Beneficiary bank identification :57A: CCPLLULL






4.11.3 EUR EXPRESS A message to the beneficiary can be entered with a maximum of 4x35 characters.




URGP


Account number, IBAN LU272294225205000000





Ordering Customer : 50H:/12345678 55657879327











4.12 The Netherlands Ordering customer account number in an IBAN format is mandatory.







ABNANL2A


Account number, IBAN /NL02ABNA0123456789 Beneficiary name





Ordering Customer :50H:/NL00HAND1234567891

Account Servicing Institution :52A:HANDNL2A




Beneficiary bank identification :57A:ABNANL2A

Beneficiary :59:/NL02ABNA0123456789 Beneficiary name





4.12.2 SEPA CREDIT TRANSFER STRUCTURED It is mandatory to enter a reference as message to the beneficiary. It could either be the RF Creditor reference, max 25 characters, or the Acceptgiro 17 reference, max 25 digits.

Acceptgiro in the Netherlands is a payment type where the customer has received an invoice with a payment form.

Type 17 = 17 + reference (7-16 digits)

The reference can be found at the bottom of the payment form in the beginning of the machine-readable coded line (betalingskenmerk), and has the following appearance:

Reference + Ordering customer < Amount + Creditor acc + Form code

8000533222380000 + 0444333839 < 000145391+ 0490707580 + 17





ABNANL2A







Ordering Customer :50H:/ NL00HAND1234567891 3324569876















OTHR/SALY



ABNANL2A







Ordering Customer :50H:/ NL00HAND1234567891 3324569876












4.12.4 EUR EXPRESS PAYMENT A message to the beneficiary can be entered with a maximum of 4x35 characters.

Payment can be made to all countries within the SEPA area (the EU, EEA, Monaco, Switzerland).



Instruction Code 23E 4a Code for EUR express payment = URGP

URGP


Account number, IBAN LU272294225205000000





Ordering Customer : 50H:/ NL00HAND1234567891 55657879327

Account Servicing Institution :52A: HANDNL2A










4.13 Norway Ordering customer account number in a BBAN or IBAN format is mandatory.

Beneficiary account can be either in BBAN format (11 digits) or in IBAN format (15 characters).

4.13.1 KID AND TAX PAYMENTS A KID reference is mandatory and should be stated with a maximum of 25 digits.




Account no. /76550513072

Remittance Information 70 4*35x KID reference, max 25 digits. 123456789012

Example Payment with KID Explanation Format




Account Servicing Institution :52A:HANDNOKK



Currency/Transaction Amount :32B:NOK100,






4.13.2 PAYMENT WITH MESSAGE The beneficiary’s full name and address must be entered. A message to the beneficiary is mandatory, maximum of 4x35 characters.




Account no.

Full name and address of the beneficiary

/76550513072 Beneficiary name Postboks 88 1234 Oslo


Example Payment with message Explanation Format








Beneficiary :59:/60030523515 Beneficiary name Postboks 88 1234 Oslo





4.13.3 CASH PAYMENTS It is mandatory to enter the beneficiary’s full name and address if the payment is a cash payment. A message to the beneficiary can be entered with maximum 4x35 characters.



Instruction Code 23E 4a Code for cash payment = CHQB CHQB


Beneficiary name Post boks 88 1234 Oslo


Example Cash payment Explanation Format









Beneficiary :59:Beneficiary name Postboks 88 1234 Oslo





4.13.4 SALARY PAYMENTS It is not possible to enter a message to the beneficiary.




OTHR/SALY


Account no, always 11 digits incl. clearing no

/76550513072 Beneficiary name

Example Salary payment Explanation Format













4.13.5 FINANCIAL PAYMENT For financial payment beneficiary account can be either in a BBAN or an IBAN format. If beneficiary account is BBAN, BIC is mandatory and is used to identify the correct beneficiary bank. A message to the beneficiary can be entered with a maximum of 4x35 characters.




CORT


Beneficiary bank identification, BIC HANDNOKK


BBAN or IBAN /12345678901 Beneficiary name


Financial payment Explanation Format







Instruction Code 23E:CORT


Account With Institution 57A:HANDNOKK


Remittance information :70:FX deal ref 123




4.14 Poland Ordering customer account in an IBAN format is mandatory.

The beneficiary account number could be stated as either an IBAN (28 characters) or a BBAN (NRB 26 characters).

4.14.1 NORMAL PAYMENT It is mandatory to enter a message to the beneficiary, maximum 4x35 characters.




IBAN

BBAN(NRB)

/PL71106000760000409940091107Beneficiary name

/71106000760000409940091107


INVOICE NO 123

Example Local Normal payment Explanation Format



Ordering Customer :50H:/PL73225000010000004000220467 3324566789

Account Servicing Institution :52A:HANDPLPW



Currency/Transaction Amount :32B:PLN3358,00

Beneficiary :59:/71106000760000409940091107 TULIPAN POLSKA SP. Z O.O.

GOSZCZYNSKIEGO 12

02-616WARSZAWA

Remittance information :70: INVOICE NO 123




4.14.3 TAX PAYMENT/CUSTOMS DUTY The beneficiary account number is the number of the tax office/customs authority. It is mandatory to have a reference/message to the beneficiary and it must be stated as below:

1st line

The Tax payment/Customs duty message must always begin with “/T//TI/” followed by Type of Identification.

Type of Identification, code

Remitter’s Identification

N NIP,10 digits

P PESEL, 11 digits

R REGON, 9 or 14 digits

1 Personal ID, maximum 14 characters

2 Passport, maximum 14 characters

3 Other, maximum 14 characters

Select the Type of Identification code and then enter the Remitters Identification for the chosen type of identification.

2nd line

Begin the line with “/OKR/” followed by the Period. The Period consist of three parts; Year, Type and Number.

Fiscal Year Description

Year The last 2 digits of the fiscal year must be entered.

Type, code

Description Number

J Day 4 digits, the number of the day and month, e.g.: 2609 for the 26th of September

D Month third (decade)

4 digits, the number of the 10 day period of the month and the month. The 10 day period is entered with 2 digits; 01, 02 or 03. 01 for the first 10 days of the month, 02 for the days between the 11th and the 20th day, 03 for the last 10 days. The last 2 digits should be the month entered with two digits (01 - 12).

M Month 2 digits, the number of the month

K Quarter 2 digits, the number of the quarter

P Semi annual 2 digits, 01 for the first and 02 for the second half of the year

R Year Field is left empty

Enter the 2 digits for the Year. Select the Type code and form a Number depending of the period chosen.




3rd line

Begin the third line with “/SFP/” followed by a Form code. Enter the form code that you receive from the Tax office/Customs authority with a maximum of 7 characters. After the Form code continue with /TXT/ for the Payment ID. It is mandatory to enter any additional instructions from the tax office or customs duty authority. Maximum 40 characters (/TXT/ excluded).

4rd line

If the total number of positions of the reference information and the free text altogether exceeds 35 characters, the free text must continue on the 4th line.

Business term/Payment orders



IBAN

BBAN(NRB)


/71106000760000409940091107


1st line:

/T/ Tax payment/Customs duty message

/TI/ Type of identification and remitter’s identification

2nd line:

/OKR/Period; Year, Type and Number

3rd line:

/SFP/Form code /TXT/Payment ID

4th line: To continue on 4th line if necessary

/T//TI/N2222222222

/OKR/07J2804

/SFP/PIT-7/TXT/Payment ID




Example Local Tax payment/Customs duty Explanation Format








Beneficiary :59:/45101010100165772223000000 WARSZAWA TARGOWEK

DABROWSZCZAKOW 14

03-000 WARSZAWA

Remittance information :70: /T//TI/N2222222222

/OKR/07J2804

/SFP/PIT-7/TXT/Payment ID




4.14.4 SORBNET ON REQUEST It is mandatory to enter a message to the beneficiary, maximum 4x35 characters. The Sorbnet on request message must always begin with “/S/”.




IBAN /PL71106000760000409940091107

Remittance Information 70 4*35x Message, max 4x35 characters /S/Sorbnet on request

/S/INVOICE NO 50072

CUSTOMER NO 122

Example Local Sorbnet on Request Explanation Format







Instruction Code :23E:OTHR/110


Beneficiary :59:/61109010140000071219812874 BENEFICIARY 1 GDANSK STREET 2 WARSAW

Remittance information :70:/S/SORBNET ON REQUEST 123456789




4.14.5 NORMAL PAYMENT – SPLIT PAYMENT It is mandatory to enter a message to the beneficiary, maximum 4x35 characters.




IBAN

BBAN(NRB)


/71106000760000409940091107


1st line:

/VAT/VAT amount

2nd line:

/IDC/Counterparty ID

3rd line:

/INV/Invoice number

4th line: /TXT/Free message

/VAT/2,00

/IDC/5230210429

/INV/FRA 123456

/TXT/PAYMENT FOR DELIVERY OF GOODS

Example Local Normal payment – Split Payment Explanation Format











Explanation Format

Beneficiary :59:/71106000760000409940091107 TULIPAN POLSKA SP. Z O.O.

GOSZCZYNSKIEGO 12

02-616WARSZAWA

Remittance information :70: /VAT/2,00

/IDC/5230210429

/INV/FRA 123456


4.14.6 SORBNET ON REQUEST- SPLIT PAYMENT It is mandatory to enter a message to the beneficiary, maximum 4x35 characters. The Sorbnet on request message must always begin with “/S/”.




IBAN /PL71106000760000409940091107


1st line:

/S//VAT amount

2nd line:

/IDC/Counterparty ID

3rd line:

/INV/Invoice number

4th line:

/TXT/Free message

/S//VAT/2,00

/IDC/5230210429

/INV/FRA 123456


Example Local Sorbnet on Request – Split Payment Explanation Format






Explanation Format





Instruction Code :23E:OTHR/110


Beneficiary :59:/61109010140000071219812874 BENEFICIARY 1 GDANSK STREET 2 WARSAW

Remittance information :70:/S//VAT/2,00

/IDC/5230210429

/INV/FRA 123456





4.15 Singapore Ordering customer account number in a BBAN format is mandatory.

4.15.1 ACCOUNT PAYMENT The beneficiary account in a BBAN format is mandatory, 10 digits. A message to the beneficiary can be entered with a maximum of 4x35 characters.





SCBLSGSG


Account no /12390513072 Beneficiary name


Example Local non-urgent Account payment Explanation Format




Account Servicing Institution :52A:HANDSGSG



Currency/Transaction Amount :32B:SGD100,

Account With Institution 57A:SCBLSGSG






4.15.2 CHEQUE PAYMENT It is mandatory to enter the beneficiary’s full name and address if the payment is made via cheque. A message to the beneficiary can be entered with a maximum of 4x35 characters.




CHQB


Beneficiary name 65 Chulia Street Singapore 049513






Account Servicing Institution :52A:HANDSGSG



Instruction Code :23E:CHQB

Currency/Transaction Amount :32B:SGD100,

Beneficiary :59:Beneficiary name 65 Chulia Street Singapore 049513





4.16 Sweden Ordering customer account number can be stated as either BBAN or IBAN.

4.16.1 GIRO PAYMENTS Domestic vendor payments in Sweden are processed in the two Giro-systems – The Bankgiro and the Plusgiro why beneficiary account for these payments must be stated either as Bankgiro number or Plusgiro number depending on payment type. See below. The Bankgiro number is an alias for a bank account, which can be held in any Swedish bank, Plusgiro number is a bank account in Nordea.

4.16.2 BANKGIRO PAYMENTS WITH OCR REFERENCE Beneficiary account must be stated as Bankgiro numbers, which consist of 7-8 digits. ‘9900’ must always be entered as clearing number for bankgiro payments. An OCR reference (structured reference) is mandatory, maximum of 25 digits. It is shown at the bottom of the payment slip in the coded line.



Account With Institution 57C //34x Always ‘//SE9900’ for Bankgiro //SE9900


Bankgiro number, 7-8 digits /7567888 Beneficiary name

Remittance Information

Message to beneficiary are not allowed

70 4*35x OCR reference, max 25 digits 1234567890000

Example Local non-urgent Bankgiro payment with OCR reference Explanation Format




Account Servicing Institution :52A:HANDSESS



Currency/Transaction Amount :32B:SEK100,

Account With Institution :57C://SE9900






4.16.3 BANKGIRO PAYMENT WITH MESSAGE Beneficiary account must be stated as Bankgiro number, which consists of 7-8 digits. ‘9900’ must always be entered as clearing number for bankgiro payments. A message to the beneficiary is mandatory, maximum of 4x35 characters.



Account With Institution 57C //34x Always ‘//SE9900’ for Bankgiro //SE9900


Bankgiro number, 7-8 digits /7567888 Beneficiary name


Example Bankgiro payment with message Explanation Format










Remittance Information :70:Invoice 123




4.16.4 PLUSGIRO PAYMENTS WITH OCR REFERENCE Beneficiary account must be stated as PlusGiro, which consists of 2-10 digits. ‘9500’ must always be entered as clearing number for PlusGiro payments. An OCR reference (structured reference) is mandatory, maximum of 25 digits. It is shown at the bottom of the payment slip in the coded line.



Account With Institution 57C //34x Always ‘//SE9500’ for PlusGiro //SE9500


PlusGiro number, 2-10 digits /19506 Beneficiary name

Remittance Information 70 4*35x OCR reference, max 25 digits 1234567890000

Example PlusGiro payment with OCR reference Explanation Format










Remittance Information :70:1234567890000




4.16.5 PLUSGIRO PAYMENT WITH MESSAGE Beneficiary account must be stated as PlusGiro number, which consists of 2-10 digits. ‘9500’ must always be entered as clearing number for PlusGiro payments. A message to the beneficiary can be entered with a maximum of 4x35 characters.



Account With Institution 57C //34x Always ‘//SE9500’ for PlusGiro //SE9500


PlusGiro number, 2-10 digits /19506 Beneficiary name


Example PlusGiro payment with message Explanation Format














4.16.6 ACCOUNT PAYMENT Beneficiary account in a BBAN format, 12 or 13 digits including clearing number (4 digits), is mandatory. The Clearing number (4 digits) is mandatory in tag 57C. It is not possible to enter a message to the beneficiary.



Account with institution 57C //34x Clearing number /SE5261



Example Local non-urgent Account payment Explanation Format








Account with institution :57C://SE5261





4.16.7 SALARY PAYMENT Beneficiary account in a BBAN format, 12 or 13 digits including clearing number (4 digits), is mandatory. The Clearing number (4 digits) is mandatory in tag 57C. It is not possible to enter a message to the beneficiary.



Account with institution 57C //34x Clearing number /SE5261


OTHR/SALY



Example Salary payment Explanation Format









Account with institution :57C://SE5261





4.17 USA Ordering customer account number in a BBAN format is mandatory.

An ABA/FedWire consisting of 9 digits is mandatory. The ABA/FedWire corresponds to the clearing number, and is used to identify the correct beneficiary bank. Please note that ‘FW’ must be entered before the ABA/FedWire.

4.17.1 ACH PAYMENT The name of the beneficiary can be entered with a maximum of 22 characters when making an ACH payment. The beneficiary account must be entered with 1-17 digits. A message to the beneficiary can be entered with a maximum of 2x35 characters.



Account With Institution 57C //34x ABA/FedWire, always 9 digits starting with “FW”

//FW123456789


Account no /90460513072


Example Local non-urgent ACH payment Explanation Format




Account Servicing Institution :52A:HANDUS33



Currency/Transaction Amount :32B:USD100,

Account With Institution :57C://FW987654321






4.17.2 FEDWIRE PAYMENT (URGENT PAYMENT) The beneficiary account must be entered with 1-34 digits. A message to the beneficiary can be entered with a maximum of 4x35 characters.

Example Local urgent Fedwire payment Explanation Format




Account Servicing Institution :52A:HANDUS33



Instruction Code :23e:URGP

Currency/Transaction Amount :32B:USD100,

Account With Institution :57C://FW987654321





Instruction Code 23E 4a Code for urgent payment = URGP URGP

Account With Institution 57C //34x ABA/FedWire, always 9 digits starting with “FW”

//FW123456789







5 Appendices

5.1 Debit account structures 5.1.1 ORDERING CUSTOMER ACCOUNTS IN HANDELSBANKEN

Country Country code

BBAN – Traditional Account number

IBAN – International Bank Account number

BIC

China CN 10 characters Not available HANDCNSH

Denmark DK 11 digits incl clearing number 18 characters HANDDKKK

Estonia EE Not available 20 characters HANDEE22

Finland FI 14 digits incl clearing number 18 characters HANDFIHH

France FR 23 digits 27 characters HANDFRPP

Germany DE 10 digits 22 characters HANDDEFF

Great Britain GB 8 digits 22 characters HANDGB22

Hong Kong HK 10 digits Not available HANDHKKK

Latvia LV Not available 21 characters HANDLV22

Lithuania LT Not available 20 characters HANDLT2X

Luxembourg LU 8 digits 20 characters HANDLULB

Netherlands NL 10 digits 18 characters HANDNL2A

Norway NO 11 digits incl clearing number 15 characters HANDNOKK

Poland PL Not used 28 characters HANDPLPW

Singapore SG 10 digits Not available HANDSGSG

Sweden SE 8 or 9 digits 24 characters HANDSESS

USA US 8 digits Not available HANDUS33


Definition/Usage rules

M 50H Ordering Customer /34x 4*35x

Line 1: /Account to be debited for all subsequent transactions in sequence B Line 2: Customer identity in Handelsbanken, Business organisation/ SHB number.



M 52A Account Servicing Institution

4!a2!a2!c[3!c] BIC of the bank servicing the customer’s account to be debited, e.g. HANDDKKK.




5.1.2 ORDERING CUSTOMER ACCOUNTS HELD IN OTHER BANKS Debtor accounts held in other banks could be either an international bank account number, IBAN, or a traditional bank account number, BBAN. This must be stated according to agreement with the bank in point.

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