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A Payments and Cash Management solution from SWIFT/MT940 -- Technical Manual SWIFT/MT940 English version December 2006

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Page 1: Handbook Mt940

A Payments and Cash Management solution from

SWIFT/MT940 -- Technical Manual

SWIFT/MT940English versionDecember 2006

Page 2: Handbook Mt940

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.

Page 3: Handbook Mt940

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

Page 4: Handbook Mt940

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)

Page 5: Handbook Mt940

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

Page 6: Handbook Mt940

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).

Page 7: Handbook Mt940

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

Page 8: Handbook Mt940

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.

Page 9: Handbook Mt940

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

Page 10: Handbook Mt940

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

Page 11: Handbook Mt940

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

Page 12: Handbook Mt940

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

Page 13: Handbook Mt940

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)

Page 14: Handbook Mt940

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

Page 15: Handbook Mt940

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

Page 16: Handbook Mt940

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 .

Page 17: Handbook Mt940

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

Page 18: Handbook Mt940

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

Page 19: Handbook Mt940

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

Page 20: Handbook Mt940

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

Page 21: Handbook Mt940

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

Page 22: Handbook Mt940

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)

Page 23: Handbook Mt940

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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