ING Group CAMT.052.001.02 and CAMT.053.001.02 Format ......ING Group camt.052.001.02 and...

ING Group

CAMT.052.001.02 and

CAMT.053.001.02

Format Description

InsideBusiness Payments

March 2016

Document version 1.0

ING Group camt.052.001.02 and camt.053.001.02 Format Description March 2016 Version 1.0 2

Document version history

Version Date Change description

1.0 Separate version for InsideBusiness Payments


ISO 20022 standard message for

electronic banking statements

The camt.052.001.02 Bank to Customer Account Report and camt.053.001.02 Bank to Customer

Statement are standard ISO 20022 messages for electronic banking reporting: intraday reports

and end of day statements (www.iso20022.org). This document provides guidelines to enable

companies to implement the Customer Statement Messages into their ERP/ Accountancy or

Treasury packages as configured by ING.

ING is moving towards one Product and Reporting offer across Europe. We will offer a Camt

reporting format which will be equal in experience across Europe, predictable and easy to

maintain. Gradually ING will offer ING specific Transaction codes next to the more generic

Swift codes for all countries. For Belgium accounts ING supports local Belgium BBA codes.

These codes are additional to the standard ISO Bank Transaction Codes.

The improvements will greatly contribute to improved reconciliation, leading to higher

efficiency and lower handling costs. To fully benefit from and improve your reconciliation rate

you may need to adapt your ERP system(s) based on the description in this document.

Country coverage

Accounts held at Swift codes ING codes BBA codes

Belgium (BE)

Ireland (IE)

Netherlands (NL)

All other countries

Reference guidelines camt.053

The Dutch camt.053 Implementation Guidelines version 1.0 as provided by the Dutch Banking

Association (NVB) (www.betaalvereniging.nl) is taken as a reference.

Reference guidelines camt.052

Currently there are no guidelines detailing the content of the camt.052 reports, therefore the

camt.053 Implementation Guidelines version 1.0 as provided by the Dutch Banking Association

(NVB) (www.betaalvereniging.nl) is taken as a reference.

Please note:

This format description is an addition to the current ISO 20022 camt.052.001.02 and

camt.053.001.02 Message Definition Report. The ISO 20022 Message Definition Report

(MDR), Message Usage Guideline (MUG) and XML Schema can be downloaded from:

www.iso20022.org/full_catalogue.page.

Only the Message Items with an ‘ING specific’ content or items requiring extra

explanation are mentioned in this document.

http://www.iso20022.org/

http://www.betaalvereniging.nl/

http://www.betaalvereniging.nl/

http://www.iso20022.org/full_catalogue.page


Contents

Explanation of terminology .......................................................................... 5

Structure camt.052.001.02 and camt.053.001.02 messages ........................ 6

Message item description ............................................................................ 8

Message item contents ............................................................................... 13

Appendix – ISO Transaction Codification ................................................. 20

Appendix – ING Transaction Codification................................................. 22

Appendix ISO Return Reason codes (SCT/SDD)* ...................................... 29

Appendix ISO Return Reason codes (Other)* ............................................ 30

Appendix Belgium Reporting Transaction Codification .......................... 30

Appendix SWIFT Transaction Codification ............................................... 30


Explanation of terminology

Notation

The terminology below are frequently used and are important for the understanding of the

Customer Account Report / Statement Messages.

Notation Explanation

ISO Index The number of the XML Tag as stated in the ISO 20022 description of

camt.052.001.02 and camt.053.001.02.

General Index The number of the subfields as stated in the ISO 20022 description of

camt.052.001.02 and camt.053.001.02.

Level This field indicates the level of each XML Tag within the according to

the ISO 20022 description of camt.052.001.02 and camt.053.001.02.

* The asterisk refers to more details in chapter Message item contents.

Message Item The name of the XML Tag written in full.

Multiplicity "[n..m]" reflects the number of occurrences of the tag (minimum (n)

and maximum (m)) according to the ISO 20022 description of

camt.052.001.02 and camt.053.001.02.

+ The plus sign (“+”) refers to the subfields available in the

camt.052.001.02 and camt.053.001.02 structure. These subfields are

not described in this format description as ING follows the NVB

guidelines for camt.053.

{Or

Or}

“{Or..Or}” after the concerned elements indicates that only one of the

elements will be present.

Amounts The decimal separator is a dot.

The number of fractional digits (or minor unit of currency) complies

with ISO 4217.

Examples:

<Amt Ccy=”EUR”>1000.00</Amt>

<Amt Ccy=”JPY”>1000000</Amt>

Date All dates are reported as YYYY-MM-DD as specified in ISO 8601 and is

an internationally agreed way to represent dates.

Example: 2015-01-05

DateTime DateTime is always reported as specified in ISO 8601 (complete date

plus hours, minutes, seconds and a decimal fraction of a second),

unless mentioned otherwise.

Format: YYYY-MM-DDThh:mm:ss.sTZD

Example: 2015-01-05T02:52:48.125+01:00

Character set

ING uses the UTF8 character set, except the “|” (pipe) and “{ }” (curly braces) character.


Structure camt.052.001.02 and

camt.053.001.02 messages

Structure of

the messages

The camt.052 is an intraday report message. ING will provide this type of message at given

time intervals specified throughout the day. The camt.053 is an end of day statement message.

ING will provide this type of message after closing of each Target day as an electronic file.

A camt.052 report file exists of one group header and at least one Report (2.0 <Rpt>). Each

Report consists of booked and value balance information for one account. Forward available

(value) balance is optional. A camt.052 Report will only be delivered in case there are booked

entries. On request, it is possible to receive a camt.052 report at End of Day whether it contains

booked entries or not.

Camt.052 Index Name Mult.

1.0 Group header 1

2.0 Report 0-n

2.23 Balance 0-n

2.76 Entry 0-n

2.135 Entry details 0-n

2.136 Batch 0-1

2.142 Transaction details 0-n


A camt.053 statement file exists of one group header and at least one Statement (2.0 <Stmt>).

Each Statement consists of booked and value balance information for one account. Forward

available (value) balance is optional. By default, a camt.053 Statement will be delivered in case

of no entries and on request, this can be switched off.

Camt.053 Index Name Mult.

1.0 Group header 1

2.0 Statement 0-n

2.23 Balance 0-n

2.76 Entry 0-n

2.135 Entry details 0-n

2.136 Batch 0-1

2.142 Transaction details 0-n


Message item description

Group Header This segment is mandatory and occurs only once in a message. It contains common information

for the message such as Message Identification, Creation Date Time and Identification.

ISO

Index

General

Index

Level XML Tag Message Item Mult.

1.0 1 <GrpHdr> Group Header [1..1]

1.1 2 <MsgId> * Message Identification [1..1]

1.2 2 <CreDtTm> * Creation Date Time [1..1]

1.3 2 <MsgRcpt> Message Recipient [0..1]

1.3 9.1.0 3 <Nm> Name [0..1]

1.3 9.1.12 3 <Id> Identification [0..1]

1.3 9.1.13 4 <OrgId> Organisation Identification [1..1]

1.3 9.1.15 5 <Othr> Other [0..1]

1.3 9.1.16 6 <Id> * Identification [1..1]

Report /

Statement

This segment is mandatory and repetitive, in case multiple account reporting is selected. It will

occur repeatedly for each account for which a report / statement is provided. The report /

statement contains booked entries and balances.

ISO

Index

General

Index


2.0 1 <Rpt> / <Stmt> Report / Statement [1..n]

2.1 2 <Id> * Identification [1..1]

2.2 2 <ElctrncSeqNb> * Electronic Sequence Number [0..1]

2.4 2 <CreDtTm> Creation Date Time [1..1]

2.5 2 <FrToDt> From To Date [0..1]

2.5 5.1.0 3 <FrDtTm> * From Date Time [1..1]

2.5 5.1.1 3 <ToDtTm> * To Date Time [1..1]

2.10 2 <Acct> Account [1..1]


2.10 1.2.1 4 <IBAN> IBAN [1..1]

{Or

2.10 1.2.2 4 <Othr> Other [1..1]

Or}


2.10 1.2.4 5 <SchmeNm> Scheme Name [0..1]

2.10 1.2.5 6 <Cd> Code [1..1]

2.10 1.2.6 6 <Prtry> Proprietary [1..1]

2.10 1.2.8 3 <Tp> Type [0..1]

2.10 1.2.9 4 <Cd> * Code [1..1]

2.10 1.2.11 3 <Ccy> Currency [0..1]

2.10 1.2.13 3 <Ownr> Owner [0..1]


ISO

Index

General

Index


2.10 1.2.14 4 <Nm> Name [0..1]

2.10 1.2.56 3 <Svcr> Servicer [0..1]

2.10 1.2.57 4 <FinInstnId> Financial Institution

Identification

[1..1]

2.10 1.2.58 5 <BIC> BIC [0..1]

2.10 1.2.76 5 <Othr> Other [0..1]

2.10 1.2.77 6 <Id> * Identification [1..1]

2.23 2 <Bal> * Balance [0..n]

2.24 3 <Tp> Type [1..1]

2.25 4 <CdOrPrtry> Code Or Proprietary [1..1]

2.26 5 <Cd> * Code [1..1]

2.34 3 <Amt> Amount [1..1]

2.35 3 <CdtDbtInd> Credit Debit Indicator [1..1]

2.36 3 <Dt> Date [1..1]

2.36 4.1.0 4 <Dt> * Date [1..1]

2.36 4.1.1 4 <DtTm> * Date Time [1..1]

2.43 2 <TxsSummry> Transactions Summary [0..1]

2.44 3 <TtlNtries> Total Entries [0..1]

2.45 4 <NbOfNtries> Number Of Entries [0..1]

2.46 4 <Sum> Sum [0..1]

2.49 3 <TtlCdtNtries> Total Credit Entries [0..1]


2.51 4 <Sum> Sum [0..1]

2.52 3 <TtlDbtNtries> Total Debit Entries [0..1]


2.54 4 <Sum> Sum [0..1]

Entry This segment is optional. In case of a zero statement this segment will not be present.

ISO

Index

General

Index


2.76 2 <Ntry> Entry [0..n]

2.77 3 <NtryRef> Entry Reference [0..1]

2.78 3 <Amt> * Amount [1..1]


2.80 3 <RvslInd> Reversal Indicator [0..1]

2.81 3 <Sts> * Status [1..1]

2.82 3 <BookgDt> Booking Date [0..1]

2.82 4.1.0 4 <Dt> Date [1..1]

2.83 3 <ValDt> Value Date [0..1]

2.83 4.1.0 4 <Dt> Date [1..1]

2.84 3 <AcctSvcrRef> * Account Servicer Reference [0..1]

2.91 3 <BkTxCd> * Bank Transaction Code [1..1]

2.92 4 <Domn> Domain [0..1]

+


ISO

Index

General

Index


2.97 4 <Prtry> Proprietary [0..1]

2.98 5 <Cd> * Code [1..1]

2.99 5 <Issr> * Issuer [0..1]

2.104 3 <AmtDtls> Amount Details [0..1]

2.104 2.1.0 4 <InstdAmt> Instructed Amount [0..1]

2.104 2.1.1 5 <Amt> Amount [1..1]

2.104 2.1.2 5 <CcyXchg> Currency Exchange [0..1]

2.104 2.1.3 6 <SrcCcy> Source Currency [1..1]

2.104 2.1.6 6 <XchgRate> Exchange Rate [1..1]

Entry Details This segment is conditional, meaning if the "Entry" segment is reported, this segment will also

be reported. This segments contains elements such as Batch and Transaction Details which

provide details on the entry.

ISO

Index

General

Index


2.135 3 <NtryDtls> Entry Details [0..1]

Batch This segment is conditional and only reported in case of a batch booking.

ISO

Index

General

Index


2.136 4 <Btch> Batch [0..1]

2.138 5 <PmtInfId> Payment Information

Identification

[0..1]

2.139 5 <NbOfTxs> Number Of Transactions [0..1]

2.140 5 <TtlAmt> Total Amount [0..1]


Transaction

Details

This segment is conditional, meaning it will only be reported in case of a single transaction.

And is optional in case of a batch booking.

ISO

Index

General

Index


2.142 4 <TxDtls> Transaction Details [0..n]

2.143 5 <Refs> References [0..1]

2.146 6 <PmtInfId> Payment Information

Identification

[0..1]


ISO

Index

General

Index


2.147 6 <InstrId> * Instruction Identification [0..1]

2.148 6 <EndToEndId> End To End Identification [0..1]

2.150 6 <MndtId> Mandate Identification [0..1]

2.151 6 <ChqNb> * Cheque Number [0..1]

2.156 5 <AmtDtls> Amount Details [0..1]

2.156 2.1.0 6 <InstdAmt> Instructed Amount [0..1]

2.156 2.1.1 7 <Amt> Amount [1..1]

2.156 2.1.2 7 <CcyXchg> Currency Exchange [0..1]

2.156 2.1.3 8 <SrcCcy> Source Currency [1..1]

2.156 2.1.6 8 <XchgRate> Exchange Rate [1..1]

2.163 5 <BkTxCd> * Bank Transaction Code [0..1]

2.164 6 <Domn> Domain [0..1]

+

2.169 6 <Prtry> Proprietary [0..1]

2.170 7 <Cd> * Code [1..1]

2.171 7 <Issr> * Issuer [0..1]

2.199 5 <RltdPties> Related Parties [0..1]

2.201 6 <Dbtr> * Debtor [0..1]

2.201 9.1.0 7 <Nm> Name [0..1]

2.201 9.1.1 7 <PstlAdr> Postal Address [0..1]

+


+

2.202 6 <DbtrAcct> * Debtor Account [0..1]


2.202 1.1.1 8 <IBAN> IBAN [1..1]

{Or

2.202 1.1.2 8 <Othr> Other [1..1]

Or}


2.203 6 <UltmtDbtr> Ultimate Debtor [0..1]

2.203 9.1.0 7 <Nm> Name [0..1]


+

2.204 6 <Cdtr> * Creditor [0..1]

2.204 9.1.0 7 <Nm> Name [0..1]

2.204 9.1.1 7 <PstlAdr> Postal Address [0..1]

+


+

2.205 6 <CdtrAcct> * Creditor Account [0..1]


2.205 1.1.1 8 <IBAN> IBAN [1..1]

{Or

2.205 1.1.2 8 <Othr> Other [1..1]

Or}


2.206 6 <UltmtCdtr> Ultimate Creditor [0..1]

2.206 9.1.0 7 <Nm> Name [0..1]


+


ISO

Index

General

Index


2.211 5 <RltdAgts> Related Agents [0..1]

2.212 6 <DbtrAgt> * Debtor Agent [0..1]


Identification

[1..1]

2.212 6.1.1 8 <BIC> BIC [0..1]

2.213 6 <CdtrAgt> * Creditor Agent [0..1]


Identification

[1..1]

2.213 6.1.1 8 <BIC> BIC [0..1]

2.214 6 <IntrmyAgt1> * Intermediary Agent 1 [0..1]


Identification

[1..1]

2.214 6.1.1 8 <BIC> BIC [0..1]



Identification

[1..1]

2.215 6.1.1 8 <BIC> BIC [0..1]



Identification

[1..1]

2.216 6.1.1 8 <BIC> BIC [0..1]

2.224 5 <Purp> Purpose [0..1]

2.225 6 <Cd> Code [1..1]

2.234 5 <RmtInf> Remittance Information [0..1]

2.235 6 <Ustrd> Unstructured [0..n]

2.236 6 <Strd> Structured [0..n]

2.256 7 <CdtrRefInf> Creditor Reference Information [0..1]

2.257 8 <Tp> Type [0..1]

2.258 9 <CdOrPrtry> Code Or Proprietary [1..1]

2.259 10 <Cd> * Code [1..1]

2.261 9 <Issr> * Issuer [0..1]

2.262 8 <Ref> * Reference [0..1]

2.266 5 <RltdDts> Related Dates [0..1]

2.273 6 <TxDtTm> Transaction Date Time [0..1]

2.293 5 <RtrInf> Return Information [0..1]

2.304 6 <Rsn> Reason [0..1]

2.305 7 <Cd> * Code [1..1]

2.307 6 <AddtlInf> Additional Information [0..n]

2.313 5 <AddtlTxInf> Additional Transaction

Information

[0..1]

2.314 3 <AddtlNtryInf> Additional Entry Information [0..1]

2.315 2 <AddtlStmtInf> Additional Statement

Information

[0..1]


Message item contents

The structure and Message Items in camt.052 and camt.053 are nearly identical. The content of

some Message Items in camt.052 and camt.053 may differ, and in case of camt.053 there are

differences per country. In this chapter, differences in camt.053 per country are listed. In

addition, differences related to the content of the Message Items in camt.052 and camt.053 are

specified. In case no distinction is made between camt.052 and camt.053, the setting is

applicable to both.

Group Header The following Message Item specifics are applicable to Group Header.

1.1 Message Identification <MsgId>

Unique message identification assigned by ING.

1.2 Creation Date Time <CreDtTm>

Country Description

All Format: YYYY-MM-DDThh:mm:ss.sTZD

Example: 2015-01-05T02:35:45.156+01:00

1.3 Identification (9.1.16) <Id>

Filled with ING client identification.

Statement The following Message Item specifics are applicable to Statement.

2.1 Identification <Id>

Unique identification number per statement, e.g. 201501052304094.

2.2 Electronic Sequence Number <ElctrncSeqNb>

Sequence number added by ING. Reset on the 1st target day of the year.

2.5 From Date Time (5.1.0) <FrDtTm>

The time representation in this message item must be interpreted as local time.

Country Description

All Format: YYYY-MM-DDThh:mm:ss

Example: 2015-01-05T00:00:00


2.5 From Date Time (5.1.1) <FrDtTm>

The time representation in this message item must be interpreted as local time.

Country Description

All Format: YYYY-MM-DDThh:mm:ss

Example: 2015-01-05T23:59:59

2.10 Code (1.2.9) <Cd>

Country Description

All “CACC” (Current Account)

“SVGS” (Savings Account)

2.10 Identification (1.2.77) <Id>

Country Description

All Not supported.

2.23 Balance <Bal>

The following types of balances can be reported:

1) Previously Closed Booked balance (PRCD)

Balance of the account at the previously closed account reporting period. The opening

booked balance for the new period has to be equal to this balance.

2) Opening Booked balance (OPBD)

Book balance of the account at the beginning of the account reporting period. It always

equals the closing book balance from the previous report.

3) Closing Booked balance (CLBD)

Balance of the account at the end of the pre-agreed account reporting period. It is the

sum of the opening booked balance at the beginning of the period and all entries

booked to the account during the pre-agreed account reporting period.

4) Interim Booked balance (ITBD)

Balance calculated in the course of the account servicer’s business day, at the time

specified, and subject to further changes during the business day. The interim balance

is calculated on the basis of booked credit and debit items during the calculation

time/period specified. This balance type is only present in camt.052.

5) Closing Available balance (CLAV)

Closing balance of amount of money that is at the disposal of the account owner on the

date specified.

6) Forward Available balance (FWAV)

Forward available balance of money that is at the disposal of the account owner on the

date specified.


Country Description

All A maximum of 2 Forward Available balances can be reported.

Camt.052 only 2.26 Code (to Balance) <Cd>

Country Description

All Not applicable.

Camt.053 only 2.26 Code (to Balance) <Cd>

Country Description

All PRCD (Previously Closed Booked)

OPBD (Opening Booked)

CLBD (Closing Booked)

CLAV (Closing Available)

FWAV (Forward Available)

2.36 Date (4.1.0) <Dt>

Country Description

All This message item is present in case of all balances, except for the Interim

Booked balance (ITBD).

Format: YYYY-MM-DD

Example: 2015-01-05

Camt.052 only 2.36 Date Time (4.1.1) <DtTm>

Country Description

All Not applicable.

2.78 Amount <Amt>

Amount including currency code.

Example: <Amt Ccy=”EUR”>123.00</Amt>

2.81 Status <Sts>

Fixed value: “BOOK”.

2.84 Account Servicer Reference <AcctSvcrRef>

Contains unique ING reference.

2.91 Bank Transaction Code <BkTxCd>

In addition to the default ISO transaction codes (see Appendix - ISO Transaction Codification),

the ING transaction code, Swift Code or BBA Code will be reported in the proprietary field.


2.98 Code <Cd>

Country Description

NL ING Transaction Codification (see Appendix - ING Transaction Codification)

Only for ING accounts

BE BBA Codification

Other Swift Codification

2.99 Issuer <Issr>

Country Description

NL Fixed value: “ING Group” (Only for ING accounts)

BE Fixed value: “BBA”

Other Fixed value: “SWIFT”

Entry Details The following Message Item specifics are applicable to Entry Details.

No country specifics.

Batch The following Message Item specifics are applicable to Batch.

No country specifics.

Transaction

Details

The following Message Item specifics are applicable to Transaction Details.

2.147 Instruction Identification <InstrId>

Country Description

All Not supported.

2.151 Cheque Number <ChqNb>

Country Description

All Not supported.


2.163 Bank Transaction Code <BkTxCd>

In addition to the default ISO transaction codes (see Appendix - ISO Transaction Codification),

the ING transaction code, Swift Code or BBA Code will be reported in the proprietary field.

2.170 Code <Cd>

Country Description

NL ING Transaction Codification (see Appendix - ING Transaction Codification)

Only for ING accounts

BE BBA Codification

Other Swift Codification

2.171 Issuer <Issr>

Country Description

NL Fixed value: “ING Group” (Only for ING accounts)

BE Fixed value: “BBA”

Other Fixed value: “SWIFT”

2.201 Debtor <Dbtr>

Country Description

All In case the booked entry is a credit transaction, the details of the

counterparty will be reported in <Dbtr> and underlying message items.

2.202 Debtor Account <DbtrAcct>

Country Description

All In case the booked entry is a credit transaction, the account details of the

counterparty will be reported in <DbtrAcct> and underlying message items.

2.204 Creditor <Cdtr>

Country Description

All In case the booked entry is a debit transaction, the details of the

counterparty will be reported in <Cdtr> and underlying message items.

2.205 Creditor Account <CdtrAcct>

Country Description

NL In case the booked entry is a debit transaction, the account details of the

counterparty will be reported in <CdtrAcct> and underlying message items.


2.212 Debtor Agent <DbtrAgt>

Country Description

NL In case the booked entry is a credit transaction, the BIC of the

counterparty’s agent will be reported in the designated message item within

<DbtrAgt>.

2.213 Creditor Agent <CdtrAgt>

Country Description

NL In case the booked entry is a debit transaction, the BIC of the counterparty’s

agent will be reported in the designated message item within <CdtrAgt>.

2.214 Intermediary Agent 1 <IntrmyAgt1>

Country Description

All Not supported.


Country Description

All Not supported.


Country Description

All Not supported.

2.259 Code (to Creditor Reference Information) <Cd>

Country Description

NL Fixed value: “SCOR”.

2.261 Issuer (to Creditor Reference Information) <Cd>

Country Description

NL Value: “CUR” for Dutch “Betalingskenmerk acceptgiro”.

BE Value: “BBA” for Belgium “Betalingskenmerk acceptgiro”.

All Value: “ISO” for “ISO Structured Reference”.

2.262 Reference (to Creditor Reference Information) <Ref>

Payment reference.


2.305 Code (to Return Information) <Ref>

ISO Return Reason code (see Appendix - ISO Return Reason codes).

2.313 Additional Transaction Information <AddtlTxInf>

Country Description

All Can be filled in case of non-SEPA payments.


Appendix – ISO Transaction

Codification

For complete ISO table and detailed description and usage of the codes see www.ISO20022.org

Domain Family Subfamily Description (subfamily code)

ACMT ACOP VALD Value Date

ADOP VALD Value Date

MCOP ADJT Adjustments (Generic)

INTR Interests (Generic)

MDOP FEES Fees (Generic)

CAMT ACCB SWEP Sweeping

TOPG Topping

ZABA Zero Balancing

LDAS CSLN DDWN Drawdown

PPAY Principal Payment

MGLN DDWN Drawdown

PPAY Principal Payment

PMNT CCRD CAJT Credit Adjustments (Generic)

CDPT Cash Deposit

CWDL Cash Withdrawal

DAJT Debit Adjustments (Generic)

POSC Credit Card Payment

POSD Point-of-Sale (POS) Payment - Debit Card

SMRT Smart-Card Payment

XBCW Cross-Border Cash Withdrawal

CNTR BCDP Branch Deposit

BCWD Branch Withdrawal

CAJT Credit Adjustments (Generic)

CDPT Cash Deposit

CHKD Check Deposit

CWDL Cash Withdrawal

FCDP Foreign Currencies Deposit

FCWD Foreign Currencies Withdrawal

MSCD Miscellaneous Deposit

TCDP Travellers Cheques Deposit

TCWD Travellers Cheques Withdrawal

ICCN ACON ACH Concentration

ICDT BOOK Internal Book Transfer

CHRG Charges (Generic)

DMCT Domestic Credit Transfer

ESCT SEPA Credit Transfer

PRCT Priority Credit Transfer

RRTN Reversal Due To Payment Return



Domain Family Subfamily Description (subfamily code)

PMNT (cont’d) SALA Payroll/Salary Payment

SDVA Same Day Value Credit Transfer

STDO Standing Order

XBCT Cross-Border Credit Transfer

ICHQ BCHQ Bank Cheque

CCHQ Cheque

IDDT BBDD SEPA B2B Direct Debit

ESDD SEPA Core Direct Debit

OODD One-Off Direct Debit

PADD Pre-Authorised Direct Debit

PMDD Direct Debit

UPDD Unpaid Direct Debit

MCOP ADJT Adjustments (Generic)

OTHR Other

MCRD OTHR Other

POSC Credit Card Payment

POSP Point-of-Sale (POS) Payment

SMCD Smart-Card Payment

UPCT Unpaid Card Transaction

MDOP ADJT Adjustments (Generic)

CHRG Charges (Generic)

OTHR Other

RCCN ACON ACH Concentration



RCDT BOOK Internal Book Transfer



DMCT Domestic Credit Transfer

ESCT SEPA Credit Transfer

PRCT Priority Credit Transfer

RRTN Reversal Due To Payment Return

SDVA Same Day Value Credit Transfer

STDO Standing Order

XBCT Cross-Border Credit Transfer

RCHQ CCHQ Cheque

RDDT BBDD SEPA B2B Direct Debit


ESDD SEPA Core Direct Debit

OODD One-Off Direct Debit

PADD Pre-Authorised Direct Debit

PMDD Direct Debit

PRDD Reversal Due To Payment Reversal

RCDD Reversal Due To Payment Cancellation Request

UPDD Unpaid Direct Debit


Appendix – ING Transaction

Codification

The ING Transaction Codification list contains the current list of possible codes. A number

of codes are country specific or for future reference. The ING Transaction codes are

subject to change.

Code Description NL IE

00000 Miscellaneous X X

00100 SEPA Credit Transfer X X

00101 SEPA Credit Transfer (paper) X

00102 SEPA Credit Transfer Intra-company X X

00103 European Credit Transfer X

00104 SEPA Standing Order X

00105 SEPA Credit Transfer ING In-house X

00106 SEPA iDEAL payment X

00107 SEPA E-invoice payment (FINBOX) X

00108 IBAN Acceptgiro X

00110 ING employee initiated SEPA Credit Transfer no cost X

00111 ING employee initiated SEPA Credit Transfer Urgent no cost X

00150 SEPA Credit Transfer Same day X

00151 ING employee initiated SEPA Credit Transfer X

00152 ING employee initiated SEPA Credit Transfer Urgent X

00160 Euro Credit Transfer Real Time X

00170 SEPA Credit Transfer (loan pay-off) X

00190 Return SEPA Credit Transfer X X

00191 Reject Credit Transfer Salary X

00192 Return SEPA Credit Transfer Intra-company X

00193 Return SEPA Credit Transfer Same day X

00196 Return iDEAL X

00200 SEPA Credit Transfer Batch X X

00201 SEPA Credit Transfer in Batch X X

00202 SEPA Credit Transfer Batch Salary X X

00203 SEPA Credit Transfer in Batch Salary X X

00206 iDEAL merchant payment X

00207 iDEAL payment X

00250 Reject Domestic Multiple Credit Transfer X

00291 Return SEPA Credit Transfer Salary transaction X

00300 Domestic Credit Transfer X

00301 Domestic Credit Transfer (paper) X

00302 Domestic Credit Transfer (phone) X

00303 Domestic Credit Transfer (counter) X

00304 Domestic Standing Order X

00305 Domestic iDEAL payment X



00306 Domestic E-invoice payment (FINBOX) X

00307 Domestic Credit Transfer ING In-house

00308 Domestic Credit Transfer ING In-house

00309 Domestic Credit Transfer Tax

00310 Domestic Credit Transfer Intra-company

00312 Domestic Credit Transfer Intra-company

00350 Domestic Credit Transfer Same day X

00351 Domestic Credit Transfer Urgent (fax) X

00353 Domestic Credit Urgent (counter) X

00355 Domestic Credit Transfer Real Time

00360 Acceptgiro X

00361 Acceptgiro Storting X

00370 Domestic Credit Transfer from/to Savings account X

00371 Lending Repayment / Drawdown X X

00374 Funding Term Deposit Account X

00375 Principal payout Term Deposit Account X

00380 Funding Notice Account

00385 Principal payout Notice Account

00390 Return Domestic Credit Transfer X

00393 Return Domestic Standing Order X

00395 iDEAL (return) X

00396 Acceptgiro (return) X

00400 Domestic Credit Transfer Batch X

00401 Domestic Credit Transfer in Batch X

00404 Domestic Credit Transfer in Batch Same day

00405 Domestic Credit Transfer in Batch Salary

00410 Domestic Credit Transfer Batch Salary

00500 International Credit Transfer X

00501 International Credit Transfer SHA X X

00502 International Credit Transfer OUR X X

00503 International Credit Transfer BEN X X

00510 International Credit Transfer (counter) X

00511 International Credit Transfer SHA (paper) X

00512 International Credit Transfer OUR (paper) X

00513 International Credit Transfer BEN (paper) X

00515 International Credit Transfer Batch

00516 International Credit Transfer in Batch

00517 International Credit Transfer in Batch Next day

00518 International Credit Transfer in Batch Same day

00550 International Credit Transfer Same day X

00551 International Credit Transfer ING In-house SHA X

00552 International Credit Transfer ING In-house OUR X

00553 International Credit Transfer ING In-house BEN X

00554 International Credit Transfer Intra-company SHA X



00555 International Credit Transfer Intra-company OUR X

00556 International Credit Transfer Intra-company BEN X

00561 International Credit Transfer SHA X

00562 International Credit Transfer Next day SHA X

00563 International Credit Transfer Same day SHA X

00564 International Credit Transfer OUR X

00565 International Credit Transfer Next day OUR X

00566 International Credit Transfer Same day OUR X

00567 International Credit Transfer BEN X

00568 International Credit Transfer Next day BEN X

00569 International Credit Transfer Same day BEN X

00590 Correction International Credit Transfer X X

00616 Domestic Direct Debit transaction

01000 SEPA Direct Debit Batch X

01001 SEPA Direct Debit X

01010 SEPA Direct Debit Core Batch X

01011 SEPA Core Direct Debit transaction One Off X

01012 SEPA Core Direct Debit transaction First X

01013 SEPA Core Direct Debit transaction Recurrent X

01014 SEPA Core Direct Debit transaction Last X

01015 SEPA Direct Debit Core X

01016 SEPA Direct Debit Core One Off X X

01017 SEPA Direct Debit Core First X X

01018 SEPA Direct Debit Core Recurrent X X

01019 SEPA Direct Debit Core Last X X

01020 SEPA Direct Debit B2B Batch X

01021 SEPA Direct Debit B2B transaction One Off X

01022 SEPA Direct Debit B2B transaction First X

01023 SEPA Direct Debit B2B transaction Recurrent X

01024 SEPA Direct Debit B2B transaction Last X

01025 SEPA Direct Debit B2B transaction X

01026 SEPA Direct Debit B2B transaction One Off X X

01027 SEPA Direct Debit B2B transaction First X X

01028 SEPA Direct Debit B2B transaction Recurrent X X

01029 SEPA Direct Debit B2B transaction Last X X

01036 SEPA Direct Debit One Off X

01037 SEPA Direct Debit First X

01038 SEPA Direct Debit Recurrent X

01039 SEPA Direct Debit Last X

01040 SEPA Direct Debit Cor1 Batch X

01045 SEPA Direct Debit Cor1 transaction X

01046 SEPA Direct Debit Cor1 transaction One Off X

01047 SEPA Direct Debit Cor1 transaction First X

01048 SEPA Direct Debit Cor1 transaction Recurrent X



01049 SEPA Direct Debit Cor1 transaction Last X

01050 Domestic Direct Debit batch X

01051 Domestic Direct Debit transaction X

01061 Domestic Direct Debit batch (Government) X

01062 Domestic Direct Debit (Government) X

01090 Reject Domestic Direct Debit Batch X

01100 Reject SEPA Direct Debit Batch X

01101 Reject SEPA Direct Debit X

01102 Reject SEPA Direct Debit One Off X

01103 Reject SEPA Direct Debit First X

01104 Reject SEPA Direct Debit Recurrent X

01105 Reject SEPA Direct Debit Last X

01111 Reject SEPA Direct Debit Core One Off X

01112 Reject SEPA Direct Debit Core First X

01113 Reject SEPA Direct Debit Core Recurrent X

01114 Reject SEPA Direct Debit Core Last X

01115 Reject SEPA Direct Debit Core X

01125 Reject SEPA Direct Debit B2B X

01126 Reject SEPA Direct Debit B2B One Off X

01127 Reject SEPA Direct Debit B2B First X

01128 Reject SEPA Direct Debit B2B Recurrent X

01129 Reject SEPA Direct Debit B2B Last X

01150 Reject Domestic Direct Debit X

01201 Return SEPA Direct Debit X

01202 Return SEPA Direct Debit One Off X

01203 Return SEPA Direct Debit First X

01204 Return SEPA Direct Debit Recurrent X

01205 Return SEPA Direct Debit Last X

01215 Return SEPA Direct Debit Core X

01216 Return SEPA Direct Debit Core One Off X

01217 Return SEPA Direct Debit Core First X

01218 Return SEPA Direct Debit Core Recurrent X

01219 Return SEPA Direct Debit Core Last X

01225 Return SEPA Direct Debit B2B X

01226 Return SEPA Direct Debit B2B One Off X

01227 Return SEPA Direct Debit B2B First X

01228 Return SEPA Direct Debit B2B Recurrent X

01229 Return SEPA Direct Debit B2B Last X

01301 Refund SEPA Direct Debit X

01302 Refund SEPA Direct Debit One Off X

01303 Refund SEPA Direct Debit First X

01304 Refund SEPA Direct Debit Recurrent X

01305 Refund SEPA Direct Debit Last X

01315 Refund SEPA Direct Debit Core X X



01316 Refund SEPA Direct Debit Core One Off X

01317 Refund SEPA Direct Debit Core First X

01318 Refund SEPA Direct Debit Core Recurrent X

01319 Refund SEPA Direct Debit Core Last X

01401 Reversal SEPA Direct Debit X

01402 Reversal SEPA Direct Debit One Off X

01403 Reversal SEPA Direct Debit First X

01404 Reversal SEPA Direct Debit Recurrent X

01405 Reversal SEPA Direct Debit Last X

01415 Reversal SEPA Direct Debit Core X X

01416 Reversal SEPA Direct Debit Core One Off X

01417 Reversal SEPA Direct Debit Core First X

01418 Reversal SEPA Direct Debit Core Recurrent X

01419 Reversal SEPA Direct Debit Core Last X

01420 Refund unauth SEPA Direct Debit Core X

01425 Reversal SEPA Direct Debit B2B X X

01426 Reversal SEPA Direct Debit B2B One Off X

01427 Reversal SEPA Direct Debit B2B First X

01428 Reversal SEPA Direct Debit B2B Recurrent X

01429 Reversal SEPA Direct Debit B2B Last X

01501 Revocation SEPA Direct Debit X

01502 Revocation SEPA Direct Debit One Off X

01503 Revocation SEPA Direct Debit First X

01504 Revocation SEPA Direct Debit Recurrent X

01505 Revocation SEPA Direct Debit Last X

01515 Revocation SEPA Direct Debit Core X

01516 Revocation SEPA Direct Debit Core One Off X

01517 Revocation SEPA Direct Debit Core First X

01518 Revocation SEPA Direct Debit Core Recurrent X

01519 Revocation SEPA Direct Debit Core Last X

01525 Revocation SEPA Direct Debit B2B X

01526 Revocation SEPA Direct Debit B2B One Off X

01527 Revocation SEPA Direct Debit B2B First X

01528 Revocation SEPA Direct Debit B2B Recurrent X

01529 Revocation SEPA Direct Debit B2B Last X

01530 Refund unauth SEPA Direct Debit B2B X X

02000 Point of Sale X

02001 Point of Sale Mobile X

02002 Point of Sale Contactless X

02010 Cross Border Point of Sale X

02011 Cross border Point of Sale Mobile X

02012 Cross border Point of Sale Contactless X

02100 Point of Sale Merchant X

02110 Foreign Currency Coins withdrawal counter X



02120 Sealbag deposit Foreign Currency bank notes X

02130 Returned POS Debit Card X

02500 Point of Sale abroad X

02510 FCY Mixed withdrawal counter X

03000 ATM Withdrawal X

03010 ATM Withdrawal Foreign Currency X

03090 Correction Dom Cash withdrawal ATM X

03091 ATM Refund X

03100 Generic cash withdrawal ATM CreditCard X

03200 Cash Withdrawal X

03201 Withdrawal via counter LCY

03202 Withdrawal via counter FCY

03211 Withdrawal via CIT LCY

03212 Withdrawal via CIT FCY

03310 Deposit via CIT LCY

03325 Deposit via CIT FCY

03501 Deposit on third party account

03601 Deposit via counter LCY

03611 Deposit via counter FCY

03700 Cash deposit X

03710 Settlement cash withdrawal services

03804 Sealbag X

03805 Sealbag deposit precredit X

03806 Sealbag deposit correction X

03807 Sealbag deposit actual amount X

03910 Settlement cash deposit services

04000 Cheques X X

04001 Traveler's Cheque X

04002 Bank Cheque X

04090 Unpaid Cheque X

05000 Cash Balancing X

05001 Cash Balancing XB transaction X X

05002 International Cash Sweeping transaction X

05003 Multibank Funding & Sweeping transaction X

05004 Alliance Bank CC transaction

05005 Cash Balancing transaction X

05007 Balance regulation X

05010 Domestic Cash Balancing transaction X

05011 BMG Cash Balancing transaction X

08500 Documentary Collection Import

08501 Documentary Collection Export

08510 Letter of Credit Import

08511 Letter of Credit Export

08520 Bank Guarantee Issued



08521 Bank Guarantee Received

08522 Shipping Guarantee

08530 Standby Letter of Credit Issued

08531 Standby Letter of Credit Received

08532 Reimbursement

09000 Miscellaneous (ING) X X

09001 Cost/Charges X X

09002 Cost/Charges X

09003 Cost/Charges International Credit Transfer X

09004 Fee X

09005 Credit/Debit adjustment (general) X

09101 Debit interest X X

09102 Credit interest X X

09103 Interest Term Deposit Account X

09104 Interest Notice Account

09800 Netting X

09801 Netting settlement reversal X

09900 Rectification X

09901 Rectification Value Date X

09902 Rectification Cost/Charges X

09904 Recall Domestic Credit Transfer by ING

09905 Recall Domestic Credit Transfer by 3rd bank

09906 Recall SEPA Credit transfer by ING X

09907 Recall SEPA Credit transfer by 3rd bank X X

00908 Recall International Credit Transfer by ING X

09909 Recall International Credit Transfer by 3rd bank X


Appendix – ISO Return Reason codes

(SCT/SDD)*

The ISO return reason codes in the table below are applicable to:

SEPA Credit Transfer and/ or

SEPA Direct Debit

ISO Return

Reason codes

Code Description SCT SDD

AC01 Incorrect account number X X

AC04 Account closed X X

AC06 Blocked account X X

AC13 Debtor account type is missing or invalid X X

AG01 Transaction forbidden X X

AG02 Invalid bank operation code X X

AM04 Insufficient funds (only reported to debtor) X

AM05 Duplication X X

BE01 Debtor’s name does not match account holder name X

BE04 Creditor address missing or incorrect X

BE05 Creditor identification incorrect X

CNOR Creditor bank is not registered under this BIC in CSM X

DNOR Debtor bank is not registered under this BIC in CSM X

FF01 Operations/transaction code incorrect, invalid file format X X

FF05 Direct Debit Type Incorrect X

FOCR Return following a cancellation request X

MD01 No mandate X

MD02 Missing or Incorrect Mandatory Mandate Information X

MD06 Return of funds requested by end customer X

MD07 End customer deceased X X

MS02 Reason has not been specified by end customer X X

MS03 Reason has not been specified by Agent X X

RC01 Bank identifier incorrect X X

RR01 Regulatory reason X X

RR02 Specification of debtor's name and/or address needed for reasons of

regulatory requirements is insufficient or missing

X X

RR03 Missing creditor name or address X X

RR04 Regulatory reason X X

SL01 Due to specific services offered by debtor agent X

TM01 File received after Cut-off Time X

* Ensure the above listed ISO Return Reason codes can be handled by your IT system.

For the most recent reason codes see www.ISO20022.org



Appendix – ISO Return Reason codes

(Other)*

The ISO return reason codes in the table below are generic codes that can occur in payment

processing, including SEPA transactions.

ISO Return

Reason codes

Code Description

AC03 Invalid creditor account number

AGNT Incorrect agent

AM01 Zero amount

AM02 Not allowed amount

AM06 Too low amount

AM07 Blocked amount

AM09 Wrong amount

AM10 Invalid control sum

ARDT Already returned transaction

BE06 Unknown end customer

CURR Incorrect currency

CUST Requested by customer

CUTA Cancelation requested because an investigation has been requested and no

remediation is possible

DT01 Invalid date

ED01 Correspondent bank not possible

ED03 Balance info request

ED05 Settlement failed

EMVL EMV liability shift

MD04 Invalid file format

MD05 Creditor/Creditor's agent should not have collected the DD

NARR Narrative

NOAS No answer from customer

NOOR No original transaction received

PINL PIN liability shift

PY01 Unknown account

RC07 Invalid creditor BIC identifier

RF01 Not unique transaction reference

SL02 Specific service offered by creditor agent

SVNR Service not rendered

TECH Technical problems resulting in erroneous SDD's

XT78 Check on compensation amount in refunds failed

XT79 Debtor agent not allowed to receive DD

XT80 Credit agent not allowed to send DD

XT87 R-Message not following same DP route / sending DP not identical to instructing /

instructed agent of the original transaction

* Ensure the above listed ISO Return Reason codes can be handled by your IT system.

For the most recent reason codes see www.ISO20022.org



Appendix Belgian Reporting

Transaction Codification

The 7 digits Belgian Reporting Transaction Codification used is composed of three

elelments.

1) Family (1st + 2nd pos)

Gives the broad division a transaction belongs to. E.g. credit transfer, cards,

collection,...

See appendix 6.1.

2) Transaction (3rd + 4th pos)

Identifies the transaction within a family. For each family code, there are a number of

different debit or credit transaction codes.

See appendix 6.1.

3) Category (5th + 6th + 7th pos)

Provides additional information about the nature of the transaction. For each movement

record, the category clearly distinguishes between the different items relating to a single

transaction.

Remarks

When a financial institution encounters a transaction which has not yet received a

common code and which should be given one, code 39 or 89 will be given to the

transaction within family 30. This will facilitate the allocation of a definitive code

afterwards. Within each family, numbers 40 to 48 and 90 to 98 have been earmarked

for the transactions which are proper to one bank and for which no common code is

required immediately. Numbers 49 and 99 identify the correction and cancellation

entries.


Appendix SWIFT Transaction

Codification

For complete SWIFT table and detailed description of the codes see www.swift.com

Code Description

BNK Securities Related Item - Bank fees

BOE Bill of exchange

BRF Brokerage fee

CAR Securities Related Item - Corporate Actions Related

CAS Securities Related Item - Cash in Lieu

CHG Charges and other expenses

CHK Cheques

CLR Cash letters/Cheques remittance

CMI Cash management item - No detail

CMN Cash management item - Notional pooling

CMP Compensation claims

CMS Cash management item - Sweeping

CMT Cash management item -Topping

CMZ Cash management item - Zero balancing

COL Collections (used when entering a principal amount)

COM Commission

CPN Securities Related Item - Coupon payments

DCR Documentary credit (used when entering a principal amount)

DDT Direct Debit Item

DIS Securities Related Item - Gains disbursement

DIV Securities Related Item - Dividends

EQA Equivalent amount

EXT Securities Related Item - External transfer for own account

FEX Foreign exchange

INT Interest

LBX Lock box

LDP Loan deposit

MAR Securities Related Item - Margin payments/Receipts

MAT Securities Related Item – Maturity

MGT Securities Related Item - Management fees

MSC Miscellaneous

NWI Securities Related Item - New issues distribution

ODC Overdraft charge

OPT Securities Related Item - Options

PCH Securities Related Item – Purchase

POP Securities Related Item - Pair-off proceeds


Code Description

PRN Securities Related Item - Principal pay-down/pay-up

REC Securities Related Item - Tax reclaim

RED Securities Related Item - Redemption/Withdrawal

RIG Securities Related Item - Rights

RTI Returned item

SAL Securities Related Item – Sale

SEC Securities (used when entering a principal amount)

SLE Securities Related Item - Securities lending related

STO Standing order

STP Securities Related Item - Stamp duty

SUB Securities Related Item - Subscription

SWP Securities

TAX Securities Related Item - Withholding tax payment

TCK Travelers cheques

TCM Securities Related Item - Tripartite collateral management

TRA Securities Related Item - Internal transfer for own account

TRF Transfer

TRN Securities Related Item - Transaction fee

UWC Securities Related Item - Underwriting commission

VDA Value date adjustment

WAR Securities Related Item - Warrant

More information

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camt.052 and camt.053 Format Description

please contact your ING account manager.

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