handbook mt940
TRANSCRIPT
A Payments and Cash Management solution from
SWIFT/MT940 -- Technical Manual
SWIFT/MT940English versionDecember 2006
SWIFT/MT940, English version, December 2006 - �
SWIFT/MT940The MT940 Customer Statement Message is a standard SWIFT (Society for Worldwide Interbank Financial Telecommunication) message for elec-tronic banking statements. Many software packages are able to process information stated in this international standard format. It is often called an electronic banking statement. This document provides companies with guidelines in such a way that they can implement in their own systems a layout to be received from ING Group via one of the available channels in the Netherlands, in this case specifically ING Finstream, Girotel Zakelijk and Electronic Banking. The present layout is based on SWIFT Standards FIN, Category 9, Cash Management and Customer Status.
SWIFT/MT940, English version, December 2006 - �
1. Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
2. Message Structure Chart . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
3. Field Specifications . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
4. Field Layout . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 4 .1 Message Header . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 4 .2 (:20:) Transaction Reference Number (TRN) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11 4 .3 (:21:) Related Reference . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11 4 .4 (:25:) Account Identification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11 4 .5 (:28C:) Statement Number . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12 4 .6 (:60:) Opening Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12 4 .7 (:61:) Statement Line . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13 4 .8 (:86:) Information to Account Owner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14 4 .9 (:62a:) Closing Balance (Booked Funds) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14 4 .10 (:64:) Closing Available Balance (Available Funds) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15 4 .11 (:65:) Forward Available Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15 4 .12 (:86:) Information to Account Owner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17 4 .13 Message Trailer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17
Annex A: Examples of financial statement of account . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18
Annex B: SWIFT character set . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20
Annex C: Transaction codes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .21
Contact information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23
Table of contents
SWIFT/MT940, English version, December 2006 - �
1. Introduction
ProDuCT & ChAnnELS InForMATIon
With regard to the Netherlands, the MT940 format can be received from ING via the following channels:
• ING Electronic Banking (EB)• Postbank Girotel Zakelijk (GTZ)• ING Finstream (FS)
Please note that EB provides Multibank functionality as well: Customer statements can be received for other bank accounts (third party banks). Since ING has no control (besides the header and trailer) over the con-tents of these messages, please refer to the appropriate account holder bank for more information on their message implementation of the MT940. In the case that ING Bank acts as a third party bank, please con-tact your account manager and ask for the appropriate information.
ChAnnEL SPECIFIC ACCounT InForMATIon
The following account information can be obtained through ING EB:
• bank statements for ING Bank EUR/FX accounts• entries on ING Bank EUR/FX accounts and giro accounts• book balances (opening and closing) on ING Bank EUR/FX accounts and
giro accounts• value balance on ING Bank EUR accounts• furthermore EB offers the functionality to export interest value balances
(current and future)
The following account information can be obtained through ING FS:
• bank statements for ING Bank EUR/FX accounts• entries on ING Bank EUR/FX accounts• book balances (opening and closing) on ING Bank EUR/FX accounts• value balance on ING Bank EUR accounts
Postbank GTZ can receive account information from the following types of account:
• Postbank giro accounts • Postbank savings accounts• Postbank investment funds • Postbank securities accounts
The Postbank account information can include:
• book balance (opening and closing balance) • entries (transactions)
SWIFT/MT940, English version, December 2006 - �
rEMArkS WITh rEgArD To ThE DoCuMEnT
This Message Implementation Guide (MIG) for the MT940-NL is intended for computer departments of companies wanting to implement this message and also for their software suppliers.The document focuses on the ING MT940 format description: this con-tains the basis and the framework within which a Customer Statement Message is defined by ING for the Dutch payment channels; you’ll find the detailed format description in chapter 2, 3 and 4.The annexes provide examples of customer statements (Annex A), a list of the SWIFT character set (Annex B) and a list of all transaction codes (Annex C).
DEFInITIon
The MT940 statement is sent by the account servicing institute to an account owner or to a party authorised by the account owner to receive the message. It is used to inform the account owner, or authorised party, of the entries booked to the account, and to provide the owner with bal-ance information on the account at a given point in time.
PrInCIPLES & BASIC ASSuMPTIonS
• a file can contain one or more messages• a message covers one account• a message covers one or more book days• the user determines the file name
General comments:
• amount fields can be up to 15 positions (excluding the decimal separator, comma)
• amount fields have no leading zeros, although amounts of less than one currency unit do have a 0 before the decimal, for example: 0,89
• the number of decimal places depends on the currency, for example:
- EUR (Euro) 2 places - TND (Tunisian Dinar) 3 places
SWIFT/MT940, English version, December 2006 - �
2. Message Structure ChartFormat Specifications for the MT940 Customer Statement Message: The chart below shows the NL subset in the ING column of the international MT940 standard in the SWIFT column. The MT940-NL differs in some respects from the international standard. Details with regard to specific ING usage opposed to the SWIFT standard are outlined in chapter 4. The status in the first column can either be Mandatory or Optional.
Status Tag name Repeat
Message heading Section 1
M Header 1
M Header 2
O Header 3
Customer Statement Message Section 1-n
M 20 Transaction Reference Number
O 21 Related Reference
M 25 Account Identification
M 28C Statement Number/Sequence Number
M 60a Opening Balance
----->
Entries Section 1-n
O 61 Statement Line
O 86 Information to Account Owner
-----|
M 62a Closing Balance (Booked Funds)
O 64 Closing Available Balance (Available Funds)
----->
O 65 Forward Available Balance 1-n
-----|
O 86 Information to Account Owner
Message Trailer Section
M Trailer
The structure of an input message is as follows:An input message for the SWIFT network is composed of up to 5 parts:• basic header block• application header block• user header block (optional)• text block• trailers block
Header Text Trailer
Field a Field b
Component H1 Tag a: Tag b: Component T1Component Hn Component a1 Component b1 Component Tn
The three header blocks and the trailers block are composed of compo-nents which are not preceded by a field tag.To assist legibility and printing, all records (except header & trailer) are preceded by an identifier (tag) and closed with a CS2 (carriage return, line feed, hex 0D0A).
SWIFT/MT940, English version, December 2006 - �
3. Field Specifications
MESSAgE hEADIng SECTIon
Header 1: basic header blockHeader 2: application header blockHeader 3: user header block
CuSToMEr STATEMEnT MESSAgE SECTIon
FIELD 20: TRANSACTION REFERENCE NUMBER (TRN)
This field specifies the reference assigned by the Sender to unam-biguously identify the message.
FIELD 21: RELATED REFERENCE
If the MT 940 is sent in response to an MT 920 Request Message, this field must contain the field 20 Transaction Reference Number of the request message.
FIELD 25: ACCOUNT IDENTIFICATION
This field identifies the account for which the statement is sent.
FIELD 28C: STATEMENT NUMBER/SEqUENCE NUMBER
This field contains the sequential number of the statement
FIELD 60A: OPENING BALANCE
This field specifies, for the (intermediate) opening balance, whether it is a debit or credit balance, the date, the currency and the amount of the balance.
EnTrIES SECTIon
FIELD 61: STATEMENT LINE
This field contains the details of each transaction.
FIELD 86: INFORMATION TO ACCOUNT OWNER
This field contains additional information on the trans-action detailed in the preceding statement line and which is to be passed on to the account owner.
FIELD 62A: CLOSING BALANCE (BOOkED FUNDS)
This field specifies, for the closing balance, whether it is a debit or credit balance, the date, the currency and the amount of the balance.
FIELD 64: CLOSING AvAILABLE BALANCE (AvAILABLE FUNDS)
This field indicates the funds which are available to the account owner (if credit balance) or the balance which is subject to inter-est charges (if debit balance).
FIELD 65: FORWARD AvAILABLE BALANCE
This field indicates the funds which are available to the account owner (if a credit or debit balance) for the specified forward value date
SWIFT/MT940, English version, December 2006 - �
FIELD 86: INFORMATION TO ACCOUNT OWNER
This field contains additional information on the statement as a whole. It is to be passed on to the account owner.
MESSAgE TrAILEr SECTIon
Trailer: unambiguously indicated end of message.
SWIFT/MT940, English version, December 2006 - �
4. Field Layout
This section describes each segment used in the ING MT940 Customer Statement Message. The appropriate comments relevant to the ING sub-set are indicated.
Notes:
1. Reading from left to right, in column one, the field tags descriptions are shown, followed by the second column with the length indication in SWIFT notation (see note 3), the third with the restricted indicator (see note 2) and in the fourth specific data content is provided. Exam-ple given:
Description Length * Content
2. The status indicator detailed in the third column, which directly relate to the data content in the fourth column, may have two values:
• RESTRICTED* A field marked with an asterisk (*) in the third column indicates that the listed content in column four is the only content available for use with this field in this message. If only one content description is provided, this indicates a fixed value for this field
• OPEN All fields with variable data are considered open (no asterisk in third column). Content description is pro-vided in italic
3. The full rules for the notation of components inside messages and fields can be found in the S.W.I.F.T. User Handbook. With regard to notation the relevant SWIFT rules are:
• 9!a alphanumeric (SWIFT character set, Annex B) with exact length • 9a alphanumeric (SWIFT character set, Annex B) with length up to
maximum • 9!n numeric with exact length • 9n numeric with length up to maximum • Optional sub-fields are notated between brackets [] • For comparison the SWIFT notation is presented, where fields that
are not used are marked with a – sign, subfields that are not used are struck, and subfields that have an alternate length are italic in the ING column. Please note that for completeness Carriage Return/Line Feed (CRLF) is notated as 2x (SWIFT notation does not)
4. Additional information: The tables are followed by ‘Field notes’ at field level, which give examples of the segment described
SWIFT/MT940, English version, December 2006 - 10
4.1 Message header
-M 1 - Message Header 1
Function Export informationDescription Length * Content
Export time 4!x
CS1 (space) 1!x
Export day 2!n
Export address 12!x
Export number 5!n
CS2 (cr,lf) 2!x
* 0000
hex20
01
See note
Starts at 00001, increment of 1 per message
hex0D0A
*
*
*
*
*
Field Notes
The export address for GTZ: PSTBNL21XXXX
The export address for EB & FS: INGBNL2AXXXX
Example 0000 01INGBNL2AXXXX00001
- M 1 - Message Header 2
Function Import informationDescription Length * Content
Import time 4!x
CS1 (space) 1!x
Import day 2!n
Import address 12!x
* 0000
* hex20
* 01
*
* See note
Import number 5!n
CS2 (cr,lf) 2!x
* Starts at 00001, increment of 1 per message
* hex0D0A
Field Notes
The import address for GTZ: PSTBNL21XXXX
The import address for EB & FS: INGBNL2AXXXX
Example 0000 01INGBNL2AXXXX00001
- O 1 - Message Header 3
Function Message informationDescription Length * Content
Message type 3!n
CSI (space) 1!x
Message priority 2!n
CS2 (cr,lf) 2!x
* 940
* hex20
* 00
* hex0D0A
Field Notes
This optional header is always present in ING MT940 messages
Example 940 00
SWIFT/MT940, English version, December 2006 - 11
4.2 (:20:) Transaction reference number (Trn)
:20: - M 1 - Transaction Reference Number (TRN)
Function This field specifies the reference assigned by the Sender to unambigu-
ously identify the message
SWIFT notation 16x
ING usage 5x Description Length * Description
Tag 4!x
Reference 5!x
CS2 (cr,lf) 2!x
* :20:
See note
hex0D0A
*
*
Field Notes
The TRN may be the same or different for the separate messages of a statement consisting
of several messages
The reference for GTZ: GTZPB
The reference for EB&FS: INGEB
Example :20:INGEB
:20: Tag Transaction Reference Number (TRN)
INGEB ING Electronic Banking
4.3 (:21:) related reference
:21: - 01 - Related Reference
Function If the MT 940 is sent in response to an MT 920 Request Message, this
field must contain the field 20 Transaction Reference Number of the
request message
SWIFT notation 16x
ING usage -
Field Notes
Please note that ING does not support the usage of this field, however it might be provided
in a multibank scenario
4.4 (:25:) Account Identification
:25: - M 1 - Account Identification
Function This field specifies the reference assigned by the Sender to unambigu-
ously identify the message
SWIFT notation 35x
ING usage 14xDescription Length * Description
Tag 4!x
Account number 10!x
CS2 (cr,lf) 2x
*
*
:25:
hex0D0A
Field Notes
Example :25:0650014652
:25: Tag Account Identification
0650014652 ING account number
SWIFT/MT940, English version, December 2006 - 1�
4.5 (:28C:) Statement number
:28C: - M 1 - Statement Number
Function This field contains the sequential number of the statement, optionally
followed by the sequence number of the message within that state-
ment when more than one message is sent for one statement .
SWIFT notation 5n [/5n]
ING usage 5n [/5n] (see field note)Description Length * Description
Tag 5!x
Settlement number 5n
CS2 (cr,lf) 2!x
*
*
:28C:
hex0D0A
Field Notes
* The sequence number is optional and ING does not support the usage of this field,
however it might be provided in a multibank scenario
Example :28C:4
:28C: Tag Statement Number
4 Statement number 4
4.6 (:60:) opening Balance
:60a: - M 1 - Opening Balance
Function This field specifies, for the opening balance, whether it is a debit or
credit balance, the date, the currency and the amount of the balance
SWIFT notation 1!a 6!n 3!a 15d
ING usage 1!a 6!n 3!a 15dDescription Length * Description
Tag 5!x
Credit/debit 1!x
Date n!6
Currency 3!x
Amount 15n
CS2 (cr,lf) 2!x
*
*
*
:60F:
C or D
YYMMDD
ISO currency code
Amount
hex0D0A
Field Notes
The integer part of Amount must contain at least one digit . The decimal comma ’,’ is
mandatory and is included in the maximum length . The number of digits following the
comma must not exceed the maximum number allowed for that specific currency as
specified in ISO 4217
This field must always be the same as field 62a (closing balance) of the previous customer
statement message for this account
The first customer statement message for a specified period must contain field 60F (first
opening balance)
Example :60F:C060304EUR44,89
:60F: Tag First Opening Balance
C Credit balance
060304 March 4th 2006
EUR EURO
44,89 Forty-four EUR and Eighty-nine EUR cents
SWIFT/MT940, English version, December 2006 - 1�
4.7 (:61:) Statement Line
:61: - O 1 - Statement Line
Function This field contains the details of each transaction
SWIFT notation 6!n [4!n] 2a [1!a] 15d 1!a3!c 16x [//16x] [34x]
ING usage 6!n [4!n] 1a [1!a] 15d 1!a3!c 16x [//16x] [34x]Description Length * Description
Tag 4!x
Value date 6!n
Credit/debit 1!x
Amount 15n
Transaction type (3/4)!x
**
Payment reference 16x
CS2 (cr,lf) 2!x
:�1:
YYMMDD *
C or D
amount
N ***
****
hex0D0A
Field Notes
* Interest value date for Bank accounts, book date for Giro accounts
** 3 positions for Postbank, 4 positions for ING
*** The transaction type (a .k .a . entry type) is specified by the letter N
followed by an indicator of the type of the entry . For entries originat-
ing from the Postbank a letter combination is used (for example, NGT
for an entry originating from Girotel/MijnPostbank .nl) . For available
entry types please refer to Annex C
**** The payment reference is taken from the received entries when they
are processed . In case of the payment reference not being stated,
‘NONREF’ is used . The payment reference is used to specify a unique
reference for the payment order . Please note for Postbank Girotel
Zakelijk: The payment reference is imported by GTZ as an alphanu-
meric field with 16 positions and, for export in SWIFT MT940, is placed
in the description lines, preceded by the text ‘PAYMENT REF’
Example :61:060307D0,45N026
:61: Tag Statement Line
060307 March 7th 2006
D Debit
0,45 Forty-five EUR cents
N026 Entry originating from Electronic Banking (code 26)
SWIFT/MT940, English version, December 2006 - 1�
4.8 (:86:) Information to Account owner
:86: - C 6 - Information to Account Owner
Function This field contains additional information on the transaction detailed in
the preceding statement line and which is to be passed on to the
account owner
SWIFT notation 6*65x
ING usage 6*65xDescription Length * Description
Tag 4!x
Description 65x
CS2 (cr,lf) 2!x
*
*
:86:
hex0D0A
Field Notes
If field 86 is present in any occurrence of the repetitive sequence, it must be preceded by a
field 61
Example :86:453261094 1318224 ALBERT HEIJN HUISS>HUISS
PASNR 013T500 05-08-05 12 UUR 25 TRANSACTIENR 7492221
:86: Tag Information to Account Owner
1318224 ALBERT HEIJN HUISS>HUISS PASNR 013T500 05-08-05 12
UUR 25 TRANSACTIENR 7492221
Narrative
4.9 (:62a:) Closing Balance (Booked Funds)
:62a: - M 1 - Closing Balance
Function This field specifies, for the closing balance, whether it is a debit or
credit balance, the date, the currency and the amount of the balance
SWIFT notation 1!a 6!n 3!a 15d
ING usage 1!a 6!n 3!a 15dDescription Length * Description
Tag 5!x
Credit/debit 1!x
Date 6!n
Currency 3!x
Amount 15n
CS2 (cr,lf) 2!x
*
*
*
:62F: or:62M:
C or D
YYMMDD
ISO currency code, refer to Annex D
Amount
hex0D0AField Notes
The integer part of Amount must contain at least one digit . The decimal comma ’,’ is
mandatory and is included in the maximum length . The number of digits following the
comma must not exceed the maximum number allowed for that specific currency as
specified in ISO 4217
The content of this field will be repeated in field 60a of the subsequent customer statement
message for this account
If there is only one customer statement message transmitted for the period, this field must
use tag option F, ie, 62F (final closing balance)
Example :62F:C060327EUR41,75
:62F: Tag Closing Balance (Booked Funds)
C Credit balance
060327 March 27th 2006
EUR EURO
44,89 Forty-one EUR and Seventy-five EUR cents
SWIFT/MT940, English version, December 2006 - 1�
4.10 (:64:) Closing Available Balance (Available Funds)
:64: - O 1 - Closing Available Balance (Available Funds)
Function
This field indicates the funds which are available to the account owner (if credit balance) or
the balance which is subject to interest charges (if debit balance)
SWIFT notation 1!a 6!n 3!a 15d
ING usage 1!a 6!n 3!a 15dDescription Length * Description
Tag 5!x
Credit/debit 1!x
Date 6!n
Currency 3!x
Amount 15n
CS2 (cr,lf) 2!x
*
*
*
:64:
C or D
YYMMDD
ISO currency code, refer to Annex D
Amount
Hex0D0AField Notes
Please note that this field is only available through the EB and FS channels, GTZ does not
support Closing Available Balances
The integer part of Amount must contain at least one digit . The decimal comma ’,’ is
mandatory and is included in the maximum length . The number of digits following the
comma must not exceed the maximum number allowed for that specific currency as
specified in ISO 4217
Example :64:C060305EUR98,00
:64: Tag Closing Available Balance (Available Funds)
C Credit balance
060305 March 5th 2006
EUR EURO
98,00 Ninety-eight EUR and zero EUR cents
4.11 (:65:) Forward Available Balance
:65: - O n - Forward Available Balance
Function
This field indicates the funds which are available to the account owner (if a credit or debit
balance) for the specified forward value date
SWIFT notation 1!a 6!n 3!a 15d
ING usage 1!a 6!n 3!a 15dDescription Length * Description
Tag 4!x
Credit/debit 1!x
Date 6!n
Currency 3!x
Amount 15n
CS2 (cr,lf) 2!x
*
*
*
:65:
C or D
YYMMDD
ISO currency code, refer to Annex D
Amount
Hex0D0A
SWIFT/MT940, English version, December 2006 - 1�
Field Notes
Please note that this field is only available through the EB and FS channels, GTZ does not
support Forward Available Balances . The example provided below shows the availability of
3 balances for 3 dates
The integer part of Amount must contain at least one digit . The decimal comma ’,’ is
mandatory and is included in the maximum length . The number of digits following the
comma must not exceed the maximum number allowed for that specific currency as
specified in ISO 4217
Example :65:C060306EUR94,85
:65:C060307EUR94,85
:65:C060307EUR94,85
:65: Tag Forward Available Balance
C Credit balance
060327 March 6th 2006
EUR EURO
94,85 Ninety-four EUR and Eighty-five EUR cents
Etc .
SWIFT/MT940, English version, December 2006 - 1�
4.12 (:86:) Information to Account owner
:86: - O 1 - Information to Account Owner
Function This field contains additional information on the statement as a whole .
It is to be passed on to the account owner
SWIFT notation 6*65x
ING usage 1*44x
1*35xDescription Length * Description
Tag 4!x
Debit 1!x
Number 6!n
Credit 1!x
Number 6!n
Debit 1!x
Amount 15n
Credit 1!x
Amount 15n
CS2 (cr,lf) 2!x
Account Name 35x
CS2 (cr .lf) 2!x
* :86:
D
number of debit entries
C
number of credit entries
D
amount of debit entries
C
amount of credit entries
Hex0D0A
Only for ING Bank current account
Hex0D0AField Notes
Summarizing other information is provided, please note that the Account Name can only be
provided in the EB and FS channel, GTZ does not support this
Example :86:D000003C000000D3,14C0,00
ING BANK TESTREKENING
:86: Tag Information to Account Owner
D Debit
000003 3 debit entries in the message
C Credit
000000 0 credit entries in the message
D Debit
3,14 Total debit amount of thee EURO and fourteen EURO cents in
the message
C Credit
0,00 Total credit amount of zero EURO and zero EURO cents in the
message
ING BANK TESTREKENING Name of the current account
4.13 Message Trailer
- M 1 - Trailer
Function Message trailer
Description Length * Content
Start 1!x
End indicator 3!x
CS2 (cr,lf) 2!x
*
*
*
-
XXX
hex0D0AField Notes
Example -XXX
SWIFT/MT940, English version, December 2006 - 1�
Annex A: Examples of financial statement of account
Domestic MT940 representation, girotel Zakelijk
0000 01PSTBNL21XXXX00001
0000 01PSTBNL21XXXX00001
940 00
:20:GTZPB
:25:0001234567
:28C:004
:60F:C060326EUR44,89
:61:060327D0,45NGTNONREF
:86: 0660014650 TEXT ACCOUNT WITH THE REQUIRED TEXT WHICH CAN RUN ON
:61: 060327D0,45NBANONREF
:86:453261094 1318224 ALBERT HEIJN HUISS>HUISS
PASNR 013T500 05-08-05 12 UUR 25 TRANSACTIENR 7492221
:61:060327D2,24NAC1234567812345678
:86: 060313313 ACCEPT PAYMENT
:62F:C060327EUR41,75
:86:D000003C000000D3,14C0,00
-XXX
Domestic MT940 representation, Electronic Banking
0000 01INGBNL2AXXXX00001
0000 01INGBNL2AXXXX00001
940 00
:20:INGEB
:25:0650014652
:28C:4
:60F:C060304EUR44,89
:61:060307D0,45N026
:86: 0660014650 TEXT ACCOUNT WITH THE REQUIRED TEXT
WHICH CAN RUN ON
:61: 060327D0,45NBANONREF
:86:453261094 1318224 ALBERT HEIJN HUISS>HUISS
PASNR 013T500 05-08-05 12 UUR 25 TRANSACTIENR 7492221
:61:060307D2,24N026
:86:AC 1234567812345678 TRANSACTION2
:62F:C060305EUR41,75
:64:C060305EUR98,00
:65: C060306EUR94,85
:65: C060307EUR94,85
:65: C060307EUR94,85
:86:D000003C000000D3,14C0,00
ING BANK TESTREKENING
-XXX
SWIFT/MT940, English version, December 2006 - 1�
Domestic MT940 representation, Finstream
0000 01INGBNL2AXXXX00001
0000 01INGBNL2AXXXX00001
940 00
:20:INGEB
:25:0650014652
:28C:4
:60F:C060304EUR44,89
:61:060307D0,45N026
:86: 0660014650 TEXT ACCOUNT WITH THE REQUIRED TEXT
WHICH CAN RUN ON
:61: 060327D0,45NBANONREF
:86:453261094 1318224 ALBERT HEIJN HUISS>HUISS
PASNR 013T500 05-08-05 12 UUR 25 TRANSACTIENR 7492221
:61:060307D2,24N026
:86:AC 1234567812345678 TRANSACTION2
:62F:C060305EUR41,75
:64:C060305EUR98,00
:65: C060306EUR94,85
:65: C060307EUR94,85
:65: C060307EUR94,85
:86:D000003C000000D3,14C0,00
ING BANK TESTREKENING
-XXX
SWIFT/MT940, English version, December 2006 - �0
Annex B: SWIFT character setSWIFT uses the ISO level B character set with certain restrictions . The following characters
are permitted:
capital letters A to Z
lower-case letters a to z
figures 0 to 9
space
point .
comma ,
hyphen -
open parenthesis (
close parenthesis )
oblique (slash) /
apostrophe ‘
plus sign +
colon :
question mark ?
open bracket { SEPARATOR
close bracket } SEPARATOR
SWIFT/MT940, English version, December 2006 - �1
Annex C: Transaction codes
Ing Bank accounts
Values up to and including ‘��’ are debit entries
Values from ‘��’ onwards are credit entries
Debit
01 transfer to current account
02 transfer to private account
03 transfer to deposit account
04 transfer to NMS
05 transfer to bank savings
24 interest on overdue payments
26 electronic banking
27 transfer to foreign debit
28 closing entry to a suspense account
29 Interpay debit giro orders supplied
direct to Interpay
30 all cash payments charged to own
customers
31 settled receipts charged to own
customers
32 other branch payment, cheque
received for collection
33 purchase of securities
34 coupons made payable
35 transfer abroad
36 giro orders
37 automatic giro orders
38 domestic collections
39 one-off closure (interest)
40 one-off closure (commission)
41 one-off closure (charges)
42 automatically entered (interest)
43 automatically entered (commission)
44 automatically entered (charges)
45 telegiro transactions
46 insurance premium invoices, etc .
47 central payment scheme
48 transfer (other)
49 guaranteed cheques and eurocheques
50 travel money provided (traveller’s
cheques, foreign currency)
51 automatic transfer (quarterly closure)
54 movements without turnover
commission
Credit
55 cash deposit
56 sale of securities
57 sales of coupons
58 transfer abroad
59 bank giro
60 salary credits
61 postal giro charged to third parties
62 postal giro charged to postal account
customers
63 settlement of domestic collections
64 one-off closure (interest)
65 one-off closure (commission)
66 one-off closure (charges)
67 automatic interest entry
68 insurance claims payments
69 central processing
70 transfer (other)
71 settlement of guaranteed cheques and
eurocheques
72 crediting of foreign currency purchased,
traveller’s cheque
73 automatic transfer (quarterly closure)
75 settlement of point-of-pay terminal
(domestic)
76 settlement of chipknip (merchants)
77 telephone transfer
78 credit postal giro orders
79 transfer abroad
80 one-off movements without turnover
commission
81 transfer from cur rent account
82 transfer from personal account
83 transfer from deposit account
84 transfer from NMS book
85 transfer from bank savings
86 payments into night safe and credited to
third parties
87 electronic banking
Debit
01 transfer to current account
02 transfer to private account
03 transfer to deposit account
04 transfer to NMS
05 transfer to bank savings
24 interest on overdue payments
26 electronic banking
27 transfer to foreign debit
28 closing entry to a suspense account
29 Interpay debit giro orders supplied
direct to Interpay
30 all cash payments charged to own
customers
31 settled receipts charged to own
customers
32 other branch payment, cheque
received for collection
33 purchase of securities
34 coupons made payable
35 transfer abroad
36 giro orders
37 automatic giro orders
38 domestic collections
39 one-off closure (interest)
40 one-off closure (commission)
41 one-off closure (charges)
42 automatically entered (interest)
43 automatically entered (commission)
44 automatically entered (charges)
45 telegiro transactions
46 insurance premium invoices, etc .
47 central payment scheme
48 transfer (other)
49 guaranteed cheques and eurocheques
50 travel money provided (traveller’s
cheques, foreign currency)
51 automatic transfer (quarterly closure)
54 movements without turnover
commission
Credit
55 cash deposit
56 sale of securities
57 sales of coupons
58 transfer abroad
59 bank giro
60 salary credits
61 postal giro charged to third parties
62 postal giro charged to postal account
customers
63 settlement of domestic collections
64 one-off closure (interest)
65 one-off closure (commission)
66 one-off closure (charges)
67 automatic interest entry
68 insurance claims payments
69 central processing
70 transfer (other)
71 settlement of guaranteed cheques and
eurocheques
72 crediting of foreign currency purchased,
traveller’s cheque
73 automatic transfer (quarterly closure)
75 settlement of point-of-pay terminal
(domestic)
76 settlement of chipknip (merchants)
77 telephone transfer
78 credit postal giro orders
79 transfer abroad
80 one-off movements without turnover
commission
81 transfer from cur rent account
82 transfer from personal account
83 transfer from deposit account
84 transfer from NMS book
85 transfer from bank savings
86 payments into night safe and credited to
third parties
87 electronic banking
SWIFT/MT940, English version, December 2006 - ��
Postbank
Code Explanation
NAC giro debit
NBA cash dispenser transaction
NCH cheque
NDV sundry charges
NFL branch entry, intercompany entry
NGB guaranteed giro cheque
NGF girofoon
NGM giromaat
NGT girotel (individual girotel transfers)
NIC credit of the total amount or debit of e .g . reversals
NOV manual transfer
NPK post office withdrawal
NPO standing order
NST deposit (own account or third-party)
NVZ multi-transfer order (debit of the total amount or credit of the
combined entries)
Questions
If you have any questions on MT940 through Finstream please contact the ING Customer Support Desk, [email protected]. For opening hours and phone numbers please visit www.ingbank.nl.
If you have any questions on MT940 through Electronic Banking please contact the ING Helpdesk Electronic Banking, [email protected]. For opening hours and phone numbers please visit www.ingbank.nl.
If you have any questions on MT940 through Girotel Zakelijk please contact the ING Helpdesk Girotel Zakelijk. For opening hours and phone numbers please visit www.postbank.nl/zakelijk.
For more information on ING file formats please visit our website www.ingbank.nl/bestandsformaten.
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