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Implementation guide
ISO 20022
CustomerCreditTransferInitiation
pain.001 version 3
Country Specific Information
Version 1.5.6
Publishing date 29 March 2018
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 2 (153)
Version 1.5.6 Publishing date 29 March 2018
Table of contents
1 INTRODUCTION ........................................................................................................................................ 7
History ............................................................................................................................................................................. 8
2 CHINA ........................................................................................................................................................ 9
Local payments ............................................................................................................................................................... 9 2.1.1 BANK TRANSFER ........................................................................................................................................................... 9 2.1.2 URGENT PAYMENT ...................................................................................................................................................... 10 2.1.3 OTHER TERMS AND CONDITIONS .............................................................................................................................. 10
Cross-border payments ................................................................................................................................................. 11 2.1.4 NORMAL PAYMENT ...................................................................................................................................................... 11
Intra-group transfer ........................................................................................................................................................ 12
3 DENMARK ............................................................................................................................................... 13
Local payments ............................................................................................................................................................. 13 3.1.1 STANDARD TRANSFER ................................................................................................................................................ 13 3.1.2 GIRO PAYMENT, FORM TYPE 01 ................................................................................................................................. 14 3.1.3 GIRO PAYMENT, FORM TYPE 04 ................................................................................................................................. 15 3.1.4 GIRO PAYMENT, FORM TYPE 15 ................................................................................................................................. 17 3.1.5 FI PAYMENT, FORM TYPE 71 ...................................................................................................................................... 18 3.1.6 FI PAYMENT, FORM TYPE 73 ...................................................................................................................................... 20 3.1.7 FI PAYMENT, FORM TYPE 75 ...................................................................................................................................... 21 3.1.8 SALARY PAYMENT ....................................................................................................................................................... 22 3.1.9 FINANCIAL PAYMENT................................................................................................................................................... 22
Cross-border payments ................................................................................................................................................. 24 3.1.10 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER) .......................................................................... 24 3.1.11 NORMAL PAYMENT ................................................................................................................................................. 24 3.1.12 URGENT PAYMENT ................................................................................................................................................. 25 3.1.13 FINANCIAL PAYMENT .............................................................................................................................................. 25 3.1.14 INTRA-COMPANY PAYMENT ................................................................................................................................... 26
Intra-group transfer ........................................................................................................................................................ 27
4 ESTONIA .................................................................................................................................................. 28
Local payments ............................................................................................................................................................. 28 4.1.1 SEPA CREDIT TRANSFER............................................................................................................................................ 28 4.1.2 SEPA CREDIT TRANSFER STRUCTURED .................................................................................................................. 29 4.1.3 SEPA SALARY ............................................................................................................................................................... 30 4.1.4 URGENT PAYMENT ...................................................................................................................................................... 30
Cross-border payments ................................................................................................................................................. 32 4.1.5 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER) ............................................................................... 32 4.1.6 NORMAL PAYMENT ...................................................................................................................................................... 32 4.1.7 URGENT PAYMENT ...................................................................................................................................................... 33 4.1.8 FINANCIAL PAYMENT................................................................................................................................................... 33 4.1.9 INTRA-COMPANY PAYMENT ....................................................................................................................................... 33
Intra-group transfer ........................................................................................................................................................ 34
5 FINLAND .................................................................................................................................................. 35
Local payments ............................................................................................................................................................. 35 5.1.1 SEPA CREDIT TRANSFER............................................................................................................................................ 35 5.1.2 SEPA CREDIT TRANSFER STRUCTURED .................................................................................................................. 36 5.1.3 SEPA SALARY ............................................................................................................................................................... 38
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5.1.4 URGENT PAYMENT (ILGIRO) ....................................................................................................................................... 40 5.1.5 AOS2 - ADDITIONAL PAYMENT REFERENCES WITHIN THE SAME PAYMENT ........................................................ 41
Cross-border payments ................................................................................................................................................. 42 5.1.6 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER) ............................................................................... 42 5.1.7 NORMAL PAYMENT ...................................................................................................................................................... 42 5.1.8 URGENT PAYMENT ...................................................................................................................................................... 42 5.1.9 FINANCIAL PAYMENT................................................................................................................................................... 43 5.1.10 INTRA-COMPANY PAYMENT ................................................................................................................................... 43
Intra-group transfer ........................................................................................................................................................ 44
6 FRANCE ................................................................................................................................................... 45
Local payments ............................................................................................................................................................. 45 6.1.1 SEPA CREDIT TRANSFER............................................................................................................................................ 45 6.1.2 SEPA CREDIT TRANSFER STRUCTURED .................................................................................................................. 46 6.1.3 SEPA SALARY ............................................................................................................................................................... 47
Cross-border payments ................................................................................................................................................. 48 6.1.4 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER) ............................................................................... 48 6.1.5 NORMAL PAYMENT ...................................................................................................................................................... 48 6.1.6 URGENT PAYMENT ...................................................................................................................................................... 49 6.1.7 FINANCIAL PAYMENT................................................................................................................................................... 49 6.1.8 INTRA-COMPANY PAYMENT ....................................................................................................................................... 49 6.1.9 REGULATORY REPORTING CROSS-BORDER PAYMENT ......................................................................................... 51
Intra-group transfer ........................................................................................................................................................ 52
7 GERMANY ............................................................................................................................................... 53
Local payments ............................................................................................................................................................. 53 7.1.1 SEPA CREDIT TRANSFER............................................................................................................................................ 53 7.1.2 SEPA CREDIT TRANSFER STRUCTURED .................................................................................................................. 54 7.1.3 SEPA SALARY ............................................................................................................................................................... 55 7.1.4 FINANCIAL PAYMENT................................................................................................................................................... 56
Cross-border payments ................................................................................................................................................. 57 7.1.5 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER) ............................................................................... 57 7.1.6 NORMAL PAYMENT ...................................................................................................................................................... 57 7.1.7 URGENT PAYMENT ...................................................................................................................................................... 57 7.1.8 FINANCIAL PAYMENT................................................................................................................................................... 58 7.1.9 INTRA-COMPANY PAYMENT ....................................................................................................................................... 58
Intra-group transfer ........................................................................................................................................................ 59
8 GREAT BRITAIN ..................................................................................................................................... 60
Local payments ............................................................................................................................................................. 60 8.1.1 BACS PAYMENT ........................................................................................................................................................... 60 8.1.2 CHAPS PAYMENT (URGENT GBP) .............................................................................................................................. 61 8.1.3 CHEQUE PAYMENT ...................................................................................................................................................... 63
Cross-border payments ................................................................................................................................................. 64 8.1.4 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER) ............................................................................... 64 8.1.5 NORMAL PAYMENT ...................................................................................................................................................... 64 8.1.6 FINANCIAL PAYMENT................................................................................................................................................... 65 8.1.7 INTRA-COMPANY PAYMENT ....................................................................................................................................... 65 8.1.8 CHEQUES ..................................................................................................................................................................... 66
Intra-group transfer ........................................................................................................................................................ 67
9 HONG KONG ........................................................................................................................................... 68
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Local payments ............................................................................................................................................................. 68 9.1.1 ACCOUNT PAYMENT.................................................................................................................................................... 68 9.1.2 CHEQUE PAYMENT ...................................................................................................................................................... 69
Cross-border payments ................................................................................................................................................. 70 9.1.3 NORMAL PAYMENT ...................................................................................................................................................... 70 9.1.4 FINANCIAL PAYMENT................................................................................................................................................... 71 9.1.5 INTRA-COMPANY PAYMENT ....................................................................................................................................... 71
Intra-group transfer ........................................................................................................................................................ 72
10 LATVIA ................................................................................................................................................. 73
10.1.1 REGULATORY REPORTING FOR ALL PAYMENT TYPES ...................................................................................... 73
Local payments ............................................................................................................................................................. 73 10.1.2 SEPA CREDIT TRANSFER ....................................................................................................................................... 74 10.1.3 SEPA CREDIT TRANSFER STRUCTURED.............................................................................................................. 75 10.1.4 SEPA SALARY .......................................................................................................................................................... 76 10.1.5 EXPRESS PAYMENT ............................................................................................................................................... 77
Cross-border payments ................................................................................................................................................. 78 10.1.6 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER) .......................................................................... 78 10.1.7 NORMAL PAYMENT ................................................................................................................................................. 78 10.1.8 URGENT PAYMENT ................................................................................................................................................. 78 10.1.9 FINANCIAL PAYMENT .............................................................................................................................................. 79 10.1.10 INTRA-COMPANY PAYMENT ................................................................................................................................... 79
Intra-group transfer ........................................................................................................................................................ 80
11 LITHUANIA .......................................................................................................................................... 81
Local payments ............................................................................................................................................................. 81 11.1.1 SEPA CREDIT TRANSFER ....................................................................................................................................... 81 11.1.2 SEPA CREDIT TRANSFER STRUCTURED.............................................................................................................. 82 11.1.3 SEPA SALARY .......................................................................................................................................................... 83 11.1.4 EXPRESS PAYMENT ............................................................................................................................................... 83
Cross-border payments ................................................................................................................................................. 85 11.1.5 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER) .......................................................................... 85 11.1.6 NORMAL PAYMENT ................................................................................................................................................. 85 11.1.7 URGENT PAYMENT ................................................................................................................................................. 85 11.1.8 FINANCIAL PAYMENT .............................................................................................................................................. 86 11.1.9 INTRA-COMPANY PAYMENT ................................................................................................................................... 86
Intra-group transfer ........................................................................................................................................................ 87
12 LUXEMBOURG .................................................................................................................................... 88
Local payments ............................................................................................................................................................. 88 12.1.1 SEPA CREDIT TRANSFER ....................................................................................................................................... 88 12.1.2 SEPA CREDIT TRANSFER STRUCTURED.............................................................................................................. 89 12.1.3 EXPRESS PAYMENT ............................................................................................................................................... 90
Cross-border payments ................................................................................................................................................. 91 12.1.4 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER) .......................................................................... 91 12.1.5 NORMAL PAYMENT ................................................................................................................................................. 91 12.1.6 URGENT PAYMENT ................................................................................................................................................. 91 12.1.7 FINANCIAL PAYMENT .............................................................................................................................................. 92 12.1.8 INTRA-COMPANY PAYMENT ................................................................................................................................... 92
Intra-group transfer ........................................................................................................................................................ 93
13 NETHERLANDS .................................................................................................................................. 94
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Local payments ............................................................................................................................................................. 94 13.1.1 SEPA CREDIT TRANSFER ....................................................................................................................................... 94 13.1.2 SEPA CREDIT TRANSFER STRUCTURED.............................................................................................................. 95 13.1.3 SEPA SALARY .......................................................................................................................................................... 96 13.1.4 EUR EXPRESS PAYMENT ....................................................................................................................................... 97
Cross-border payments ................................................................................................................................................. 98 13.1.5 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER) .......................................................................... 98 13.1.6 NORMAL PAYMENT ................................................................................................................................................. 98 13.1.7 URGENT PAYMENT ................................................................................................................................................. 98
Intra-group transfer ........................................................................................................................................................ 99
14 NORWAY ........................................................................................................................................... 100
Local payments ........................................................................................................................................................... 100 14.1.1 KID AND TAX PAYMENT ........................................................................................................................................ 100 14.1.2 PAYMENT WITH MESSAGE ................................................................................................................................... 101 14.1.3 SALARY PAYMENT ................................................................................................................................................ 102 14.1.4 CASH PAYMENT .................................................................................................................................................... 103 14.1.5 FINANCIAL PAYMENT ............................................................................................................................................ 104
Cross-border payments ............................................................................................................................................... 105 14.1.6 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER) ........................................................................ 105 14.1.7 NORMAL PAYMENT ............................................................................................................................................... 105 14.1.8 URGENT PAYMENT ............................................................................................................................................... 106 14.1.9 FINANCIAL PAYMENT ............................................................................................................................................ 106 14.1.10 INTRA-COMPANY PAYMENT ................................................................................................................................. 106 14.1.11 REGULATORY REPORTING CROSS-BORDER PAYMENT .................................................................................. 107
Intra-group transfer ...................................................................................................................................................... 108
15 POLAND ............................................................................................................................................ 109
Local payments ........................................................................................................................................................... 109 15.1.1 NORMAL PAYMENT ............................................................................................................................................... 109 15.1.2 TAX PAYMENT/CUSTOMS DUTY .......................................................................................................................... 110 15.1.3 SORBNET ON REQUEST ....................................................................................................................................... 112
Cross-border payments ............................................................................................................................................... 113 15.1.4 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER) ........................................................................ 113 15.1.5 NORMAL PAYMENT ............................................................................................................................................... 113 15.1.6 URGENT PAYMENT ............................................................................................................................................... 114
Intra-group transfer ...................................................................................................................................................... 115
16 SINGAPORE ...................................................................................................................................... 116
Local payments ........................................................................................................................................................... 116 16.1.1 ACCOUNT PAYMENT ............................................................................................................................................. 116 16.1.2 CHEQUE PAYMENT ............................................................................................................................................... 117
Cross-border payments ............................................................................................................................................... 118 16.1.3 NORMAL PAYMENT ............................................................................................................................................... 118 16.1.4 FINANCIAL PAYMENT ............................................................................................................................................ 119 16.1.5 INTRA-COMPANY PAYMENT ................................................................................................................................. 119
Intra-group transfer ...................................................................................................................................................... 120
17 SWEDEN ............................................................................................................................................ 121
Local payments ........................................................................................................................................................... 122 17.1.1 BANKGIRO PAYMENT WITH OCR REFERENCE .................................................................................................. 123 17.1.2 BANKGIRO PAYMENT ........................................................................................................................................... 125
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17.1.3 PLUSGIRO PAYMENT WITH OCR REFERENCE................................................................................................... 127 17.1.4 PLUSGIRO PAYMENTS WITH MESSAGE ............................................................................................................. 129 17.1.5 CASH PAYMENT .................................................................................................................................................... 131 17.1.6 ACCOUNT PAYMENT ............................................................................................................................................. 132 17.1.7 SALARY PAYMENT ................................................................................................................................................ 133 17.1.8 FINANCIAL PAYMENT ............................................................................................................................................ 134
Cross-border payments ............................................................................................................................................... 135 17.1.9 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER) ........................................................................ 135 17.1.10 NORMAL PAYMENT ............................................................................................................................................... 135 17.1.11 URGENT PAYMENT ............................................................................................................................................... 135 17.1.12 FINANCIAL PAYMENT ............................................................................................................................................ 136 17.1.13 INTRA-COMPANY PAYMENT ................................................................................................................................. 136 17.1.14 CHEQUES ............................................................................................................................................................... 136 17.1.15 REGULATORY REPORTING CROSS-BORDER PAYMENT .................................................................................. 138
Intra-group transfer ...................................................................................................................................................... 139
18 USA .................................................................................................................................................... 140
Local payments ........................................................................................................................................................... 140 18.1.1 ACH PAYMENT ....................................................................................................................................................... 140 18.1.2 FEDWIRE PAYMENT .............................................................................................................................................. 142
Cross-border payments ............................................................................................................................................... 143 18.1.3 NORMAL PAYMENT ............................................................................................................................................... 143 18.1.4 FINANCIAL PAYMENT ............................................................................................................................................ 144 18.1.5 INTRA-COMPANY PAYMENT ................................................................................................................................. 144
Intra-group transfer ...................................................................................................................................................... 145
19 DEBTOR ACCOUNT HELD WITH OTHER BANKS ......................................................................... 146
Local payments ........................................................................................................................................................... 146 19.1.1 NORMAL PAYMENT ............................................................................................................................................... 146 19.1.2 URGENT PAYMENT ............................................................................................................................................... 146
Cross-border payments ............................................................................................................................................... 148 19.1.3 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER) ........................................................................ 148 19.1.4 NORMAL PAYMENT ............................................................................................................................................... 148 19.1.5 URGENT PAYMENT ............................................................................................................................................... 149 19.1.6 FINANCIAL PAYMENT ............................................................................................................................................ 149 19.1.7 INTRA-COMPANY PAYMENT ................................................................................................................................. 149 19.1.8 REGULATORY REPORTING CROSS-BORDER PAYMENT .................................................................................. 150
20 APPENDICES .................................................................................................................................... 151
Debtor Account and Debtor agent ............................................................................................................................... 151 20.1.1 DEBTOR AGENT - HANDELSBANKEN .................................................................................................................. 151 20.1.2 DEBTOR ACCONT HELD IN OTHER BANKS ......................................................................................................... 151
Creditor Account and Creditor agent ........................................................................................................................... 152 20.1.3 CREDITOR ACCOUNT ........................................................................................................................................... 152 20.1.4 CREDITOR AGENT ................................................................................................................................................. 152
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Version 1.5.6 Publishing date 29 March 2018
1 Introduction
This document describes country specific information for payments initiated with
CustomerCreditTransferInitiation pain.001.001.03 (ISO 20022). This description covers different payment
types and specific rules that apply to to below mentioned countries. Handelsbanken’s message set-up
complies with the international definitions for content and use of an ISO 20022
“CustomerCreditTransferInitiation” Message and Common Global Implementation – Market Practice (CGI-
MP).
It is currently possible to request payments from accounts with Handelsbanken in the following countries or
in accounts held with other banks if Handelsbanken having an agreement with the account holding bank:
China Great Britain Norway
Denmark Hong Kong Poland
Estonia Latvia Singapore
Finland Lithuania Sweden
France Luxembourg USA
Germany Netherlands Other banks
For detailed information about account numbers in each country we refer to chapter 20 “Appendices” in
the end of this document.
More information about file management can be obtained from your local branch office.
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History
At Handelsbanken, changes to version numbers are made according to the following guidelines. The original
version is 1.0.0.
The last digit is changed when the format descriptions are changed, for example text clarifications and
examples.
The second digit is changed if minor changes are made to the format such as new countries or changes
in the payment type.
The first digit is changed (thus becoming a completely new version) if the format changes mean that
the customer will have to make adaptations in order to continue using the service. In this case, all
customers affected are informed of the new version and what the changes involve.
Version Date Description
1.5.6 2018-03-29 SE: Minor clarifications
1.5.5 2018-01-28 FI: Minimum one credit note is mandatory for AOS payments
1.5.4 2017-12-22 PL: ZUS payment no longer available
Cross border payments from DE, DK, EE, FI, FR,GB, LV, LT, LU, NL: New
rules for allocation of fees within EU/EES according to PSD2 regulation, se
under the respective country
1.5.3 2017-09-13 SE: Possibility to use IBAN as debtor account for all payment types
GB: Possibility to use IBAN as a creditor account for BACS payments
DK: Possibility to use IBAN as a creditor account for banktransfers
NO: Possibility to use IBAN as a creditor account
1.5.2 2017-05-19 Changes to GlobalOn-Line services regarding Account Payments, possible to
send message with account payment.
Minor clarifications to formats for accounts under Sweden and Denmark.
1.4.1 2016-12-12 Cross border payments to GB: National bank ID is not allowed as Creditor bank
SE: 9960 can be used as an identifier for Plusgiro
1. 4.0 2016-06-30 Salary payment available for EE, LV and LT. New payment types for LT
(change currency to EUR) due to SEPA migration end-date.
New payment type for NL, EUR Express Payment.
Change in version numbers.
1. 3.0
(former
1.0.3)
2014-04-22 Cheque no longer available for cross-border payment from Luxembourg
1. 2.0
(former
1.0.2)
2013-12-12 New payment types for EE, LV (change currency to EUR) due to SEPA
migration end-date.
BIC is optional if account number is stated as an IBAN.
1.1.0
(former
1.0.1)
2013-07-10 New payment types for DE, FR, LU and NL due to SEPA migration end-date.
Updated instruction for local payments in SE and some other minor updates.
1.0.0 2012-06-14 First version published
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2 China
Debtor account number in BBAN format is mandatory for all payment types.
Local payments
Creditor account number in BBAN format, 10 characters, is mandatory for all payment types.
The payment currency must be in CNY. The debit account can be in any currency. Handelsbanken China will
convert into CNY.
2.1.1 BANK TRANSFER
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
A structured reference (28 characters) and/or an unstructured message to the creditor is optional. The
unstructured message can be maximum 105 characters in combination with a structured reference and
maxmimum 140 characters without a structured reference.The structured reference number should be
entered as structured remittance information.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl> <Cd>NURG</Cd> </SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor Account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>1234567891</Id>
<SchmeNm>
<Cd>BBAN</Cd>
</SchmeNm> </Othr> </Id> </CdtrAcct>
Message to creditor
ISO Index No. 2.99 and 2.100
<RmtInf> <Ustr>Message to Creditor</Ustrd> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry><Cd>SCOR</Cd></CdOrPrtry> </Tp> <Ref>412153927</Ref> </CdtrRefInf> </Strd> </RmtInf>
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2.1.2 URGENT PAYMENT
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>URGP</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>1234567890</Id>
<SchmeNm>
<Cd>BBAN</Cd>
</SchmeNm> </Othr> </Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.84
<RmtInf>
<Ustrd> Payment of product ABC</Ustrd>
</RmtInf>
2.1.3 OTHER TERMS AND CONDITIONS
According to local regulations, some of the payment orders need to have supporting documents to be
verified by the bank before pay-out. In such case, same day value is not guaranteed unless a full set of
supporting documents has been verified by the bank before the value date. Please contact local branch if
you are uncertain.
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Cross-border payments
The Creditor´s address <PstlAdrs> including Country Code, is mandatory for all cross-border payments.
Creditor Agent is to be identified preferably with BIC, and when requested, NationalBankID. For more
information see Appendices – Creditor account and Creditor agent in the end of this document.
Creditor account is to be identified as IBAN where available. Please note that IBAN is mandatory for
payments in EUR within EU, EEA and Switzerland. In some countries IBAN cannot be used, why creditor
account must be identified as BBAN. For more information, see Appendices – Creditor account and Creditor
agent in this document. When CreditorAccount is identified as IBAN NationalBankID/Clearing number is to
be not used.
Charge Bearer <ChrgBr> is mandatory for all cross-border payments except for GlobalOn-Line Intra-group
Transfers.
An unstructured message to the creditor is optional, maximum 140 characters.
2.1.4 NORMAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
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Intra-group transfer
Customers using our GlobalOn-Line services can request local and cross-border Intra-group transfers. The
transfer can be made from accounts in all Handelsbanken countries or from accounts with other banks (see
chapter 1 for details). The Intra-group transfer must be set according to the following;
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Account number to be used both on debit and credit side, must be entered in the same way as in the
Power of Attorney. Otherwise the payment will be rejected or treated as a cross-border payment.
Debtor and creditor agent must be identified by BIC (National Bank-ID cannot be used).
The execution date/value date cannot be more than 30 calendar days ahead of time from the day the
file is sent to the bank. For this payment type, this date is when the account is debited.
An unstructured message to the creditor is optional, maximum 70 characters.
The currency of the transfer must be in either the currency of the debit account or the credit account
but CNY is not possible for Intra-group transfer.
More information about GlobalOn-Line Intra-group transfers can be obtained from your local branch office.
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3 Denmark
Debtor account number can be in either BBAN format or IBAN format.
Local payments
Creditor account number can be either FI-kreditor number, GIRO-number, BBAN or IBAN depending on
payment type. See below for information.
3.1.1 STANDARD TRANSFER
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Creditor account number can be either in BBAN format (11-14 digits) or in IBAN format (18 characters).
A Message to the creditor is optional, maximum 140 characters. When several invoices are batched into
one payment, use comma sign or other separator between the reference numbers.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor Account BBAN
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>1234567890</Id>
<SchmeNm>
<Cd>BBAN</Cd>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
< Ustrd >12345,12346,12347</Ustrd>
</RmtInf>
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3.1.2 GIRO PAYMENT, FORM TYPE 01
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
GIRO number, 7-8 digits, is mandatory as creditor account number. The Proprietary Scheme Name for
Creditor Account should be set to OCR.
An unstructured essage to the creditor is mandatory, maximum 140 characters.
The form type code should be entered as a structured Remittance Information followed by slash (01/).
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor account GIRO
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>12345678</Id>
<SchmeNm>
<Prtry>OCR</Prtry>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99 and No. 2.100
<RmtInf>
< Ustrd > Payment of product ABC</Ustrd>
<Strd>
<CdtrRefInf>
<Tp>
<CdOrPrtry>
<Cd>SCOR</Cd>
</CdOrPrtry>
</Tp>
<Ref>01/</Ref>
</CdtrRefInf>
</Strd> </RmtInf>
Implementation guide
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3.1.3 GIRO PAYMENT, FORM TYPE 04
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
GIRO number, 7-8 digits, is mandatory as creditor account number. The Proprietary Scheme Name for
Creditor Account should be set to OCR.
The OCR reference (structured reference) is mandatory and should be entered as a structured Remittance
Information for form type 04, one reference per payment. The OCR reference should always begin with the
form type code followed by a slash (04/).
In the coded line at the bottom of the payment form you will find the form type code (2 digits = 04), the
OCR reference (16 digits) and the GIRO account, according to the example below:
+04<0000022605308440+12345678<
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor account GIRO
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>12345678</Id>
<SchmeNm>
<Prtry>OCR</Prtry>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
OCR reference
ISO Index No. 2.100
<RmtInf>
<Strd>
<CdtrRefInf>
<Tp>
<CdOrPrtry>
<Cd>SCOR</Cd>
</CdOrPrtry>
</Tp>
<Ref>04/0000022605308440</Ref>
Implementation guide
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</CdtrRefInf>
</Strd>
</RmtInf>
Implementation guide
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3.1.4 GIRO PAYMENT, FORM TYPE 15
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
GIRO number, 7-8 digits, is mandatory as creditor account number. The Proprietary Scheme Name for
Creditor Account should be set to OCR.
The OCR reference (structured reference) is mandatory and should be entered as a structured Remittance
Information for form type 15, one reference per payment. The OCR should always begin with the form type
code followed by a slash (15/).
In the coded line at the bottom of the payment form you will find the form type code (2 digits = 15), the
OCR reference (16 digits) and the GIRO account, according to the example below:
+15<0000022605308440+12345678<
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor account GIRO
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>12345678</Id>
<SchmeNm>
<Prtry>OCR</Prtry>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
OCR reference
ISO Index No. 2.100
<RmtInf>
<Strd>
<CdtrRefInf>
<Tp>
<CdOrPrtry>
<Cd>SCOR</Cd>
</CdOrPrtry>
</Tp>
<Ref>15/0000022605308440</Ref>
Implementation guide
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Version 1.5.6 Publishing date 29 March 2018
</CdtrRefInf>
</Strd>
</RmtInf>
3.1.5 FI PAYMENT, FORM TYPE 71
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
FI-kreditor number, 8 digits, is mandatory as creditor account number. The Proprietary Scheme Name for
Creditor Account should be set to OCR.
The OCR reference (structured reference) is mandatory and should be entered as a structured Remittance
Information for form type 71, one reference per payment. The OCR reference should always begin with the
form type code (71) followed by a slash.
In the coded line at the bottom of the payment form you will find the form type code (2 digits = 71), the
OCR reference (15 digits) and the FI kreditor account, according to the example below:
+71<000022605308440+12345678<
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor account FIK
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>12345678</Id>
<SchmeNm>
<Prtry>OCR</Prtry>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
OCR reference
ISO Index No. 2.100
<RmtInf>
<Strd>
<CdtrRefInf>
<Tp>
<CdOrPrtry>
Implementation guide
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Version 1.5.6 Publishing date 29 March 2018
<Cd>SCOR</Cd>
</CdOrPrtry>
</Tp>
<Ref>71/000022605308440</Ref>
</CdtrRefInf>
</Strd>
</RmtInf>
Implementation guide
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3.1.6 FI PAYMENT, FORM TYPE 73
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
FI-kreditor number, 8 digits, is mandatory as creditor account number. The Proprietary Scheme Name for
Creditor Account should be set to OCR.
An unstructured message to the creditor is mandatory, maximum 140 characters.
The form type code should be stated as a structured Remittance Information followed by slash (73/).
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor account FIK
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>87654321</Id>
<SchmeNm>
<Prtry>OCR</Prtry>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99 and 2.100
<RmtInf>
<Ustrd>Payment of product ABC</Ustrd>
<Strd>
<CdtrRefInf>
<Tp>
<CdOrPrtry>
<Cd>SCOR</Cd>
</CdOrPrtry>
</Tp>
<Ref>73/</Ref>
</CdtrRefInf>
</Strd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 21 (153)
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3.1.7 FI PAYMENT, FORM TYPE 75
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
FI-kreditor number, 8 digits, is mandatory as creditor account number. The Proprietary Scheme Name for
Creditor Account should be set to OCR.
An unstructured message to the creditor is optional, maximum 140 characters.
The OCR reference (structured reference) is mandatory and should be entered for form type 75, one
reference per payment. The OCR reference should always begin with the form type code followed by slash
(75/).
In the code line in the bottom of the payment form you will find the form type code (2 digits = 75), the OCR
reference (16 digits) and the FI kreditor number, according to the example below:
+75<0000000055308440+87654321<
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor account FIK
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>87654321</Id>
<SchmeNm>
<Prtry>OCR</Prtry>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
Message to creditor and OCR reference
ISO Index No. 2.99 and 2.100
<RmtInf>
<Ustrd>Payment of product ABC</Ustrd>
<Strd>
<CdtrRefInf>
<Tp>
<CdOrPrtry>
<Cd>SCOR</Cd>
</CdOrPrtry>
Implementation guide
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</Tp>
<Ref>75/0000000055308440</Ref>
</CdtrRefInf>
</Strd>
</RmtInf>
3.1.8 SALARY PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SALA.
Creditor account number can be either in BBAN format (11-14 digits) or in IBAN format (18 characters).
It is not possible to enter a message to the creditor when making a salary payment.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SALA</Cd>
</CtgyPurp>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>1234567890</Id>
<SchmeNm>
<Cd>BBAN</Cd>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
3.1.9 FINANCIAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to CORT.
Creditor account number in IBAN format, 18 characters, is mandatory.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Implementation guide
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Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>CORT</Cd>
</CtgyPurp>
Creditor account ISO Index No. 2.80
<CdtrAcct> <Id> <IBAN>DK3630001234567890</IBAN> </Id> </CdtrAcct>
Implementation guide
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Cross-border payments
The Creditor´s address <PstlAdrs> including Country Code, is mandatory for all cross-border payments.
Creditor Agent is to be identified preferably with BIC, and when requested, NationalBankID. For more
information see Appendices – Creditor account and Creditor agent in the end of this document.
Creditor account is to be identified as IBAN where available. Please note that IBAN is mandatory for
payments in EUR within EU, EEA and Switzerland. In some countries IBAN cannot be used, why creditor
account must be identified as BBAN. For more information, see Appendices – Creditor account and Creditor
agent in this document. When CreditorAccount is identified as IBAN NationalBankID/Clearing number is to
be not used.
Charge Bearer <ChrgBr> is mandatory for all cross-border payments except for GlobalOn-Line Intra-group
Transfers. According to national implementation of the PSD2 regulation (Payment Service Directive), the
Charge bearer code should be set to SHAR for cross border payments within EU/EEA, regardless of
currency, with or without exchange. Handelsbanken will automatically convert the cost sharing to SHAR if
other code has been used, in accordance with the regulation.
An unstructured message to the creditor is optional, maximum 140 characters.
3.1.10 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER)
This is only valid for EUR payments within the EU, EEA, Switzerland and Monaco. The bank will
automatically classify the payment as a EUR payment within Europe (SEPA Credit Transfer) if requirements
are fulfilled (see Implementation guide CustomerCreditTransferInitiation pain.001 for details).
3.1.11 NORMAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 25 (153)
Version 1.5.6 Publishing date 29 March 2018
3.1.12 URGENT PAYMENT
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>URGP</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
3.1.13 FINANCIAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to CORT.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>CORT</Cd>
</CtgyPurp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 26 (153)
Version 1.5.6 Publishing date 29 March 2018
3.1.14 INTRA-COMPANY PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 27 (153)
Version 1.5.6 Publishing date 29 March 2018
Intra-group transfer
Customers using our GlobalOn-Line services can request local and cross-border Intra-group transfers. The
transfer can be made from accounts in all Handelsbanken countries or from accounts with other banks (see
chapter 1 for details). The Intra-group transfer must be set according to the following;
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Account number to be used both on debit and credit side, must be entered in the same way as in the
Power of Attorney. Otherwise the payment will be rejected or treated as a cross-border payment.
Debtor and creditor agent must be identified by BIC (National Bank-ID cannot be used).
The execution date/value date cannot be more than 30 calendar days ahead of time from the day the
file is sent to the bank. For this payment type, this date is when the account is debited.
An unstructured message to the creditor is optional, maximum 70 characters.
The currency of the transfer must be in either the currency of the debit account or the credit account
except for transfers from accounts in Handelsbanken to other banks must be in the currency of the
debit account.
More information about GlobalOn-Line Intra-group transfers can be obtained from your local branch office.
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 28 (153)
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4 Estonia
Debtor account number in IBAN format is mandatory.
Local payments
Creditor account number in IBAN format, 20 characters, is mandatory.
Creditor agent’s BIC is optional.
4.1.1 SEPA CREDIT TRANSFER
Payment Method should be set to TRF, Service Level to NURG or SEPA and Category Purpose to SUPP.
A message to the creditor is optional, maximum 140 characters. It is possible to register the Viite
number/RF reference in this field together with a message. If you enter both structured reference and a
message in this field the information has to be formatted into unstructured information tag as follows:
/RFB/XXXXXX/TXT/ZZZZZZ
Where RFB is the code of creditor reference, XXX is the creditor reference, TXT code of unstructured
information, ZZZ is the unstructured information.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>EE788300008300020261</IBAN>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>/RFB/RF123456789/TXT/Product XY</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 29 (153)
Version 1.5.6 Publishing date 29 March 2018
4.1.2 SEPA CREDIT TRANSFER STRUCTURED
Payment Method should be set to TRF, Service Level to NURG or SEPA and Category Purpose to SUPP.
It is mandatory to enter a RF Creditor reference, max 25 characters starting with RF and 2 digit control
number, or a Viite reference, max 20 characters, to the creditor, one reference per payment. When using
the RF Creditor reference Issuer should be set to ISO (see below example).
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>EE788300008300020261</IBAN>
</Id>
</CdtrAcct>
RF Reference
ISO Index No. 2.100
<RmtInf>
<Strd>
<CdtrRefInf>
<Tp>
<CdOrPrtry>
<Cd>SCOR</Cd>
</CdOrPrtry>
<Issr>ISO</Issr>
</Tp>
<Ref>RF1234567890</Ref>
</CdtrRefInf>
</Strd>
</RmtInf>
Viite Reference
ISO Index No. 2.100
<RmtInf>
<Strd>
<CdtrRefInf>
<Tp>
<CdOrPrtry>
<Cd>SCOR</Cd>
</CdOrPrtry>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 30 (153)
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</Tp>
<Ref>1234567890</Ref>
</CdtrRefInf>
</Strd>
</RmtInf>
4.1.3 SEPA SALARY
Payment Method should be set to TRF, Service Level to NURG or SEPA and Category Purpose to SALA.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SALA</Cd>
</CtgyPurp>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>EE788300008300020261</IBAN>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Salary</Ustrd>
</RmtInf>
4.1.4 URGENT PAYMENT
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>URGP</Cd>
</SvcLvl >
<CtgyPurp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 31 (153)
Version 1.5.6 Publishing date 29 March 2018
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>EE788300008300020261</IBAN>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.84
<RmtInf>
<Ustrd> Payment of product ABC</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 32 (153)
Version 1.5.6 Publishing date 29 March 2018
Cross-border payments
The Creditor´s address <PstlAdrs> including Country Code, is mandatory for all cross-border payments.
Creditor Agent is to be identified preferably with BIC, and when requested, NationalBankID. For more
information see Appendices – Creditor account and Creditor agent in the end of this document.
Creditor account is to be identified as IBAN where available. Please note that IBAN is mandatory for
payments in EUR within EU, EEA and Switzerland. In some countries IBAN cannot be used, why creditor
account must be identified as BBAN. For more information, see Appendices – Creditor account and Creditor
agent in this document. When CreditorAccount is identified as IBAN NationalBankID/Clearing number is to
be not used.
Charge Bearer <ChrgBr> is mandatory for all cross-border payments except for GlobalOn-Line Intra-group
Transfers. According to national implementation of the PSD2 regulation (Payment Service Directive), the
Charge bearer code should be set to SHAR for cross border payments within EU/EEA, regardless of
currency, with or without exchange. Handelsbanken will automatically convert the cost sharing to SHAR if
other code has been used, in accordance with the regulation.
An unstructured message to the creditor is optional, maximum 140 characters.
4.1.5 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER)
This is only valid for EUR payments within the EU, EEA, Switzerland and Monaco. The bank will
automatically classify the payment as a EUR payment within Europe (SEPA Credit Transfer) if requirements
are fulfilled (see Implementation guide CustomerCreditTransferInitiation pain.001 for details).
4.1.6 NORMAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl> <Cd>NURG</Cd> </SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 33 (153)
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4.1.7 URGENT PAYMENT
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>URGP</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
4.1.8 FINANCIAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to CORT.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl> <Cd>NURG</Cd> </SvcLvl >
<CtgyPurp>
<Cd>CORT</Cd>
</CtgyPurp>
4.1.9 INTRA-COMPANY PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl> <Cd>NURG</Cd> </SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 34 (153)
Version 1.5.6 Publishing date 29 March 2018
Intra-group transfer
Customers using our GlobalOn-Line services can request local and cross-border Intra-group transfers. The
transfer can be made from accounts in all Handelsbanken countries or from accounts with other banks (see
chapter 1 for details). The Intra-group transfer must be set according to the following;
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Account number to be used both on debit and credit side, must be entered in the same way as in the
Power of Attorney. Otherwise the payment will be rejected or treated as a cross-border payment.
Debtor and creditor agent must be identified by BIC (National Bank-ID cannot be used).
The execution date/value date cannot be more than 30 calendar days ahead of time from the day the
file is sent to the bank. For this payment type, this date is when the account is debited.
An unstructured message to the creditor is optional, maximum 70 characters.
The currency of the transfer must be in the currency of the debit account
More information about GlobalOn-Line Intra-group transfers can be obtained from your local branch office.
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 35 (153)
Version 1.5.6 Publishing date 29 March 2018
5 Finland
Debtor account number can be in either BBAN format or IBAN format.
Local payments
Creditor account number in an IBAN format is mandatory for all payment types, 18 characters.
Creditor agent’s BIC is optional. In case the BIC is provided the Creditor agent’s element has to be
populated as shown in below example.
5.1.1 SEPA CREDIT TRANSFER
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
An unstructured message to the creditor is optional, maximum 140 characters.
Tax payments should be done as a SEPA Credit Transfer with unstructured message.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor agent’s ID
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<BIC>NDEAFIHH</BIC>
</FinInstnId>
</CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>FI0331310000556364</IBAN>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>12345,12346,12347</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 36 (153)
Version 1.5.6 Publishing date 29 March 2018
5.1.2 SEPA CREDIT TRANSFER STRUCTURED
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
It is mandatory to enter a reference as message to the creditor. It can either be the local Finnish reference,
max 20 digits, or the RF Creditor reference, max 25 characters and should be entered as structured
remittance information, one reference per payment.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl> <Cd>NURG</Cd> </SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor Agent
ISO Index No. 2.77
<CdtrAgt> <FinInstnId> <BIC>NDEAFIHH</BIC> </FinInstnId> </CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>FI0331310000556364</IBAN>
</Id> </CdtrAcct>
Local Reference
ISO Index No. 2.100
<RmtInf>
<Strd>
<CdtrRefInf>
<Tp>
<CdOrPrtry>
<Cd>SCOR</Cd>
</CdOrPrtry>
</Tp>
<Ref>1983704833</Ref>
</CdtrRefInf>
</Strd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 37 (153)
Version 1.5.6 Publishing date 29 March 2018
RF Creditor Reference
ISO Index No. 2.100
<RmtInf>
<Strd>
<CdtrRefInf>
<Tp>
<CdOrPrtry>
<Cd>SCOR</Cd>
</CdOrPrtry>
<Issr>ISO</Issr>
</Tp>
<Ref>RF781983704833</Ref>
</CdtrRefInf>
</Strd> </RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 38 (153)
Version 1.5.6 Publishing date 29 March 2018
5.1.3 SEPA SALARY
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SALA.
The creditor’s name should be entered and its Finnish personal identity number can be entered as the
Creditors Private Identification coded as SOSE with 9 digits + one letter or only 10 digits.
An unstructured message to the creditor is optional, maximum 140 characters.
Notice that Requested execution date will be the date when the ordering party’s account is debited and not
the date when the beneficiaries account is credited.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SALA</Cd>
</CtgyPurp>
Creditor agent’s ID
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<BIC>NDEAFIHH</BIC>
</FinInstnId>
</CdtrAgt>
Creditor name and Personal ID
ISO Index No. 2.79
<Cdtr>
<Nm>miss Salary Payment</Nm>
<Id>
< PrvtId >
<Othr>
<Id>9998887777</Id>
<SchmeNm>
<Cd>SOSE</Cd>
</SchmeNm>
</Othr>
</ PrvtId >
<Id>
</Cdtr >
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>FI0331310000556364</IBAN>
</Id>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 39 (153)
Version 1.5.6 Publishing date 29 March 2018
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Salary</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 40 (153)
Version 1.5.6 Publishing date 29 March 2018
5.1.4 URGENT PAYMENT (ILGIRO)
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to CORT.
An unstructured message to the creditor is optional, maximum 70 characters.
Relevant extracts with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>CORT</Cd>
</CtgyPurp>
Creditor agent’s ID
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<BIC>NDEAFIHH</BIC>
</FinInstnId>
</CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>FI0331310000556364</IBAN>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Payment of product ABC</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 41 (153)
Version 1.5.6 Publishing date 29 March 2018
5.1.5 AOS2 - ADDITIONAL PAYMENT REFERENCES WITHIN THE SAME PAYMENT
In a Finnish local non urgent payment, there is an opportunity to send one unstructured payment reference
and add up to 999 additional payment references in the same payment. The payment references shall be in
a structured form and can include both credit notes and invoice numbers, minimum one credit note is
mandatory.
Please note that the payment amount always must be positive and above zero >0 (<InstdAmt Ccy="AAA">)
in ISO 20022 pain-messages. Additional information can be obtained from the Finnish Bankers’ Association,
http://www.fkl.fi.
Relevant extracts with XML-tags and examples;
Invoices and credit notes
ISO Index No. 2.100
<RmtInf>
<Ustr>Message to Creditor</Ustr> <Strd>
<RfrdDocInf>
<Tp>
<CdOrPrtry>
<Cd>CINV</Cd>
</CdOrPrtry>
</Tp>
<Nb>12345</Nb> </RfrdDocInf> <RfrdDocAmt> <RmtdAmt CCy=”EUR”100</RmtdAmt> </RfrdDocAmt>
</Strd>
<Strd>
<RfrdDocInf>
<Tp>
<CdOrPrtry>
<Cd>CREN</Cd>
</CdOrPrtry>
</Tp>
<Nb>56789</Nb> </RfrdDocInf> <RfrdDocAmt> <CdtNoteAmt Ccy=”EUR”50</CdtNoteAmt> </RfrdDocAmt>
</Strd> </RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 42 (153)
Version 1.5.6 Publishing date 29 March 2018
Cross-border payments
The Creditor´s address <PstlAdrs> including Country Code, is mandatory for all cross-border payments.
Creditor Agent is to be identified preferably with BIC, and when requested, NationalBankID. For more
information see Appendices – Creditor account and Creditor agent in the end of this document.
Creditor account is to be identified as IBAN where available. Please note that IBAN is mandatory for
payments in EUR within EU, EEA and Switzerland. In some countries IBAN cannot be used, why creditor
account must be identified as BBAN. For more information, see Appendices – Creditor account and Creditor
agent in this document. When CreditorAccount is identified as IBAN NationalBankID/Clearing number is to
be not used.
Charge Bearer <ChrgBr> is mandatory for all cross-border payments except for GlobalOn-Line Intra-group
Transfers. According to national implementation of the PSD2 regulation (Payment Service Directive), the
Charge bearer code should be set to SHAR for cross border payments within EU/EEA, regardless of
currency, with or without exchange. Handelsbanken will automatically convert the cost sharing to SHAR if
other code has been used, in accordance with the regulation.
An unstructured message to the creditor is optional, maximum 140 characters.
5.1.6 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER)
This is only valid for EUR payments within the EU, EEA, Switzerland and Monaco. The bank will
automatically classify the payment as a EUR payment within Europe (SEPA Credit Transfer) if requirements
are fulfilled (see Implementation guide CustomerCreditTransferInitiation pain.001 for details).
5.1.7 NORMAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
5.1.8 URGENT PAYMENT
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
<SvcLvl>
<Cd>URGP</Cd>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 43 (153)
Version 1.5.6 Publishing date 29 March 2018
ISO Index No. 2.8/2.33 and 2.14/2.39
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
5.1.9 FINANCIAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to CORT.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>CORT</Cd>
</CtgyPurp>
5.1.10 INTRA-COMPANY PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 44 (153)
Version 1.5.6 Publishing date 29 March 2018
Intra-group transfer
Customers using our GlobalOn-Line services can request local and cross-border Intra-group transfers. The
transfer can be made from accounts in all Handelsbanken countries or from accounts with other banks (see
chapter 1 for details). The Intra-group transfer must be set according to the following;
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Account number to be used both on debit and credit side, must be entered in the same way as in the
Power of Attorney. Otherwise the payment will be rejected or treated as a cross-border payment.
Debtor and creditor agent must be identified by BIC (National Bank-ID cannot be used).
The execution date/value date cannot be more than 30 calendar days ahead of time from the day the
file is sent to the bank. For this payment type, this date is when the account is debited.
An unstructured message to the creditor is optional, maximum 70 characters.
The currency of the transfer must be in either the currency of the debit account or the credit account
except for transfers from accounts in Handelsbanken to other banks must be in the currency of the
debit account.
More information about GlobalOn-Line Intra-group transfers can be obtained from your local branch office.
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 45 (153)
Version 1.5.6 Publishing date 29 March 2018
6 France
Debtor account number can be in either BBAN format or IBAN format.
Local payments
Creditor account number in IBAN format is mandatory for all payment types, 27 characters.
Creditor agent’s BIC is optional. In case the BIC is provided the Creditor agent’s element has to be
populated as shown in below example.
6.1.1 SEPA CREDIT TRANSFER
Payment Method should be set to TRF, Service Level to NURG or SEPA and Category Purpose to SUPP.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor agent’s ID
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<BIC>PSSTFRPP</BIC>
</FinInstnId>
</CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>FR7614568000010000200119859</IBAN>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>12344,12345,12349</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 46 (153)
Version 1.5.6 Publishing date 29 March 2018
6.1.2 SEPA CREDIT TRANSFER STRUCTURED
Payment Method should be set to TRF, Service Level to NURG or SEPA and Category Purpose to SUPP.
It is mandatory to enter a RF Creditor reference, max 25 characters to the creditor, one reference per
payment. Any unstructured message will be accepted but not used.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor Agent
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<BIC>PSSTFRPP</BIC>
</FinInstnId>
</CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>FR7614568000010000200119859</IBAN>
</Id>
</CdtrAcct>
Reference
ISO Index No. 2.100
<RmtInf>
<Strd>
<CdtrRefInf>
<Tp>
<CdOrPrtry>
<Cd>SCOR</Cd>
</CdOrPrtry>
<Issr>ISO</Issr>
</Tp>
<Ref>RF1234567890</Ref>
</CdtrRefInf>
</Strd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 47 (153)
Version 1.5.6 Publishing date 29 March 2018
6.1.3 SEPA SALARY
Payment Method should be set to TRF, Service Level to NURG or SEPA and Category Purpose to SALA.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SALA</Cd>
</CtgyPurp>
Creditor agent’s ID
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<BIC>PSSTFRPP</BIC>
</FinInstnId>
</CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>FR7614568000010000200119859</IBAN>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Salary</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 48 (153)
Version 1.5.6 Publishing date 29 March 2018
Cross-border payments
The Creditor´s address <PstlAdrs> including Country Code, is mandatory for all cross-border payments.
Creditor Agent is to be identified preferably with BIC, and when requested, NationalBankID. For more
information see Appendices – Creditor account and Creditor agent in the end of this document.
Creditor account is to be identified as IBAN where available. Please note that IBAN is mandatory for
payments in EUR within EU, EEA and Switzerland. In some countries IBAN cannot be used, why creditor
account must be identified as BBAN. For more information, see Appendices – Creditor account and Creditor
agent in this document. When CreditorAccount is identified as IBAN NationalBankID/Clearing number is to
be not used.
Charge Bearer <ChrgBr> is mandatory for all cross-border payments except for GlobalOn-Line Intra-group
Transfers. According to national implementation of the PSD2 regulation (Payment Service Directive), the
Charge bearer code should be set to SHAR for cross border payments within EU/EEA, regardless of
currency, with or without exchange. Handelsbanken will automatically convert the cost sharing to SHAR if
other code has been used, in accordance with the regulation.
An unstructured message to the creditor is optional, maximum 140 characters.
If there are an agreed exchange rate for the payment, rate and reference obtained from the bank should be
stated. A reference is for example the name of the person in the bank who has provided the agreed rate, a
structured reference number or any other kind of agreed identity. This information is obtained by the bank
at the time of the deal (maximum 16 characters).
Relevant extract with XML-tags and examples;
ExchangeRateInformation
ISO Index No. 2.47
<XchgRateInf>
<XchgRate>1,1247</XchgRate>
<CtrctId>Dealno. 123456</ CtrctId>
</XchgRateInf>
6.1.4 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER)
This is only valid for EUR payments within the EU, EEA, Switzerland and Monaco. The bank will
automatically classify the payment as a EUR payment within Europe (SEPA Credit Transfer) if requirements
are fulfilled (see Implementation guide CustomerCreditTransferInitiation pain.001 for details).
6.1.5 NORMAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 49 (153)
Version 1.5.6 Publishing date 29 March 2018
</CtgyPurp>
6.1.6 URGENT PAYMENT
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>URGP</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
6.1.7 FINANCIAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to CORT.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>CORT</Cd>
</CtgyPurp>
6.1.8 INTRA-COMPANY PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 50 (153)
Version 1.5.6 Publishing date 29 March 2018
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 51 (153)
Version 1.5.6 Publishing date 29 March 2018
6.1.9 REGULATORY REPORTING CROSS-BORDER PAYMENT
A central bank code must be entered for allcross-border payments (incl. cross-border SEPA payments)
exceeding EUR 50.000 or equivalent (amount stipulated by the Banque de France). A list of the most
frequently used central banks codes is shown below. For more information and a complete list of payment
codes, please see
https://www.banque-france.fr/economie-et-statistiques/espace-declarants/reglementation-de-la-balance-
des-paiements-et-de-la-position-exterieure/recueil-des-modalites-declaratives-a-lattention-des-declarants-
directs-generaux/collecte-des-flux-mensuels-c80.html?key=1-7
Code Description
150 International trading
213 Travelling expense Sea
223 Travelling expense Air
233 Travelling expense Train
240 Travelling expense Other
250 Insurance premiums
261 Royalties for licences and patents
263 IT services
293 Dividend
294 Loan interest
312 Salary and bonuses
314 Pensions
350 Telecommunications (Internet)
351 Advertising
353 Rent
380 Unilateral Transfer
420 Loan > 1 yr intra-group
428 Loan > 1 yr
520 Loan < 1 yr
526 Foreign investment
Relevant extract with XML-tags and examples;
Regulatory reporting
ISO Index No. 2.89
<RgltryRptg>
<Dtls>
<Cd>100</Cd>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 52 (153)
Version 1.5.6 Publishing date 29 March 2018
Intra-group transfer
Customers using our GlobalOn-Line services can request local and cross-border Intra-group transfers. The
transfer can be made from accounts in all Handelsbanken countries or from accounts with other banks (see
chapter 1 for details). The Intra-group transfer must be set according to the following;
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Account number to be used both on debit and credit side, must be entered in the same way as in the
Power of Attorney. Otherwise the payment will be rejected or treated as a cross-border payment.
Debtor and creditor agent must be identified by BIC (National Bank-ID cannot be used).
The execution date/value date cannot be more than 30 calendar days ahead of time from the day the
file is sent to the bank. For this payment type, this date is when the account is debited.
An unstructured message to the creditor is optional, maximum 70 characters.
The currency of the transfer must be in either the currency of the debit account or the credit account
See Regulatory reporting Cross border payment above (same rules applies to cross-border Intra-
company transfers).
More information about GlobalOn-Line Intra-group transfers can be obtained from your local branch office.
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 53 (153)
Version 1.5.6 Publishing date 29 March 2018
7 Germany
Debtor account number can be in either BBAN format or IBAN format.
Local payments
Creditor account number in IBAN format is mandatory for all payment types, 22 characters.
Creditor agent’s BIC is optional. In case the BIC is provided the Creditor agent’s element has to be
populated as shown in below example.
7.1.1 SEPA CREDIT TRANSFER
Payment Method should be set to TRF, Service Level to NURG or SEPA and Category Purpose to SUPP.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor agent’s ID
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<BIC>PBNKDEFF</BIC>
</FinInstnId>
</CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>DE03200100200541414200</IBAN>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>12345,12346,12347</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 54 (153)
Version 1.5.6 Publishing date 29 March 2018
7.1.2 SEPA CREDIT TRANSFER STRUCTURED
Payment Method should be set to TRF, Service Level to NURG or SEPA and Category Purpose to SUPP.
It is mandatory to enter a RF Creditor reference, max 25 characters to the creditor, one reference per
payment. Any unstructured message will be accepted but not used.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor Agent
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<BIC>PBNKDEFF</BIC>
</FinInstnId>
</CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>DE03200100200541414200</IBAN>
</Id>
</CdtrAcct>
Reference
ISO Index No. 2.100
<RmtInf>
<Strd>
<CdtrRefInf>
<Tp>
<CdOrPrtry>
<Cd>SCOR</Cd>
</CdOrPrtry>
<Issr>ISO</Issr>
</Tp>
<Ref>RF1234567890</Ref>
</CdtrRefInf>
</Strd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 55 (153)
Version 1.5.6 Publishing date 29 March 2018
7.1.3 SEPA SALARY
Payment Method should be set to TRF, Service Level to NURG or SEPA and Category Purpose to SALA.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SALA</Cd>
</CtgyPurp>
Creditor agent’s ID
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<BIC> HANDDEFF </BIC>
</FinInstnId>
</CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>DE03200100200541414200</IBAN>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Salary</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 56 (153)
Version 1.5.6 Publishing date 29 March 2018
7.1.4 FINANCIAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to CORT.
An unstructured message to the creditor is optional, maximum 108 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>CORT</Cd>
</CtgyPurp>
Creditor agent’s ID
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<BIC> HANDDEFF </BIC>
</FinInstnId>
</CdtrAgt>
Creditor account ISO Index No. 2.80
<CdtrAcct> <Id> <Othr> <Id>123456789>/Id> <SchemeNm> <Cd>BBAN>/Cd> </SchemeNm> </Id> </Othr> </Id> </CdtrAcct>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 57 (153)
Version 1.5.6 Publishing date 29 March 2018
Cross-border payments
The Creditor´s address <PstlAdrs> including Country Code, is mandatory for all cross-border payments.
Creditor Agent is to be identified preferably with BIC, and when requested, NationalBankID. For more
information see Appendices – Creditor account and Creditor agent in the end of this document.
Creditor account is to be identified as IBAN where available. Please note that IBAN is mandatory for
payments in EUR within EU, EEA and Switzerland. In some countries IBAN cannot be used, why creditor
account must be identified as BBAN. For more information, see Appendices – Creditor account and Creditor
agent in this document. When CreditorAccount is identified as IBAN NationalBankID/Clearing number is to
be not used.
Charge Bearer <ChrgBr> is mandatory for all cross-border payments except for GlobalOn-Line Intra-group
Transfers. According to national implementation of the PSD2 regulation (Payment Service Directive), the
Charge bearer code should be set to SHAR for cross border payments within EU/EEA, regardless of
currency, with or without exchange. Handelsbanken will automatically convert the cost sharing to SHAR if
other code has been used, in accordance with the regulation.
An unstructured message to the creditor is optional, maximum 140 characters.
7.1.5 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER)
This is only valid for EUR payments within the EU, EEA, Switzerland and Monaco. The bank will
automatically classify the payment as a EUR payment within Europe (SEPA Credit Transfer) if requirements
are fulfilled (see Implementation guide CustomerCreditTransferInitiation pain.001 for details).
7.1.6 NORMAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
7.1.7 URGENT PAYMENT
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
<SvcLvl>
<Cd>URGP</Cd>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 58 (153)
Version 1.5.6 Publishing date 29 March 2018
ISO Index No. 2.8/2.33 and 2.14/2.39
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
7.1.8 FINANCIAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to CORT.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>CORT</Cd>
</CtgyPurp>
7.1.9 INTRA-COMPANY PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 59 (153)
Version 1.5.6 Publishing date 29 March 2018
Intra-group transfer
Customers using our GlobalOn-Line services can request local and cross-border Intra-group transfers. The
transfer can be made from accounts in all Handelsbanken countries or from accounts with other banks (see
chapter 1 for details). The Intra-group transfer must be set according to the following;
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Account number to be used both on debit and credit side, must be entered in the same way as in the
Power of Attorney. Otherwise the payment will be rejected or treated as a cross-border payment.
Debtor and creditor agent must be identified by BIC (National Bank-ID cannot be used).
The execution date/value date cannot be more than 30 calendar days ahead of time from the day the
file is sent to the bank. For this payment type, this date is when the account is debited.
An unstructured message to the creditor is optional, maximum 70 characters.
The currency of the transfer must be in either the currency of the debit account or the credit account
More information about GlobalOn-Line Intra-group transfers can be obtained from your local branch office.
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 60 (153)
Version 1.5.6 Publishing date 29 March 2018
8 Great Britain Debtor account number can be in either BBAN format or IBAN format.
Local payments
A Sort Code consisting of 6 digits is mandatory if creditor account is stated as a BBAN but optional if stated
as an IBAN. The Sort Code corresponds to the clearing number, and is used to identify the correct bank.
“GBDSC” and the Sort Code should be entered as the Clearing System Member ID for the Creditor Agent.
8.1.1 BACS PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
The creditor account can be either in BBAN format (1-8 digits) or IBAN format (22 characters). If the creditor
account is stated in BBAN format the Sort Code (6 digits) is mandatory to identify the creditor bank.
The name of the beneficiary is mandatory, maximum 18 characters.
A message to the creditor is mandatory, maximum 18 characters. When several invoices are batched into
one payment, use comma sign or other separator between the reference numbers.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor agent
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<ClrSysMmbId>
<ClrSysId>
<Cd>GBDSC</Cd>
</ClrSysId>
<MmbId>334455</MmbId>
</ClrSysMmbId>
</FinInstnId>
</CdtrAgt>
Creditor account BBAN
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>12345678</Id>
<SchmeNm>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 61 (153)
Version 1.5.6 Publishing date 29 March 2018
<Cd>BBAN</Cd>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>12345,12346</Ustrd>
</RmtInf>
8.1.2 CHAPS PAYMENT (URGENT GBP)
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
The beneficiary account number can be in either BBAN or IBAN format, 1-34 characters.
Sort Code to identify the creditor bank is mandatory, 6 digits.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>URGP</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor agent
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<ClrSysMmbId>
<ClrSysId>
<Cd>GBDSC</Cd>
</ClrSysId>
<MmbId>334455</MmbId>
</ClrSysMmbId>
</FinInstnId>
</CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>1234567890</Id>
<SchmeNm>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 62 (153)
Version 1.5.6 Publishing date 29 March 2018
<Cd>BBAN</Cd>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd> Payment of product ABC</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 63 (153)
Version 1.5.6 Publishing date 29 March 2018
8.1.3 CHEQUE PAYMENT
Payment Method should be set to CHK and Cheque Type to BCHQ (Bank Cheque).
The Creditor’s full name and address is mandatory when a payment is made via cheque.
An untructured message to the creditor is optional, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>CHK</PmtMtd>
Cheque Type
ISO Index No. 2.53
<ChqInstr>
<ChqTp>BCHQ</ChqTp>
</ChqInstr>
Creditor´s name
ISO Index No. 2.79
<Cdtr>
<Nm>Creditor Name</Nm>
<PstlAdr>
<StrtNm> Creditor Street Name</StrtNm>
<PstCd> Creditor PostCode</PstCd>
<TwnNm> Creditor Town Name</TwnNm>
<Ctry>Creditor Country</Ctry>
</PstlAdr>
</Cdtr>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd> Payment of product ABC</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 64 (153)
Version 1.5.6 Publishing date 29 March 2018
Cross-border payments
The Creditor´s address <PstlAdrs> including Country Code, is mandatory for all cross-border payments.
Creditor Agent is to be identified preferably with BIC, and when requested, NationalBankID. For more
information see Appendices – Creditor account and Creditor agent in the end of this document.
Creditor account is to be identified as IBAN where available. Please note that IBAN is mandatory for
payments in EUR within EU, EEA and Switzerland. In some countries IBAN cannot be used, why creditor
account must be identified as BBAN. For more information, see Appendices – Creditor account and Creditor
agent in this document. When CreditorAccount is identified as IBAN NationalBankID/Clearing number is to
be not used.
Charge Bearer <ChrgBr> is mandatory for all cross-border payments except for GlobalOn-Line Intra-group
Transfers. According to national implementation of the PSD2 regulation (Payment Service Directive), the
Charge bearer code should be set to SHAR for cross border payments within EU/EEA, regardless of
currency, with or without exchange. Handelsbanken will automatically convert the cost sharing to SHAR if
other code has been used, in accordance with the regulation.
An unstructured message to the creditor is optional, maximum 140 characters.
Please notice that if the method of payment is Financial payment or Intra Company payment Requested
execution date (<ReqdExctnDt>) will be the value date. If the method of payment is Cheque, this will be the
execution date. The bank will automatically set the execution date to the date we receive the file and make
the validation for the cut off time according to this information.
If there are an agreed exchange rate for the payment, rate and reference obtained from the bank should be
stated. A reference is for example a structured reference number or any other kind of agreed identity. This
information is obtained by the bank at the time of the deal (maximum 12 characters).
Relevant extract with XML-tags and examples;
ExchangeRateInformation
ISO Index No. 2.47
<XchgRateInf>
<XchgRate>1,1247</XchgRate>
<CtrctId>Dealno. 123456</ CtrctId> </XchgRateInf>
8.1.4 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER)
This is only valid for EUR payments within the EU, EEA, Switzerland and Monaco. The bank will
automatically classify the payment as a EUR payment within Europe (SEPA Credit Transfer) if requirements
are fulfilled (see Implementation guide CustomerCreditTransferInitiation pain.001).
8.1.5 NORMAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 65 (153)
Version 1.5.6 Publishing date 29 March 2018
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl> <Cd>NURG</Cd> </SvcLvl > <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp>
8.1.6 FINANCIAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to CORT.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>CORT</Cd>
</CtgyPurp>
8.1.7 INTRA-COMPANY PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 66 (153)
Version 1.5.6 Publishing date 29 March 2018
8.1.8 CHEQUES
Payment Method should be set to CHK and Cheque Type should be set to BCHQ (Bank Cheque).
The creditor’s full name and address is mandatory.
Message to the creditor cannot be entered.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>CHK</PmtMtd>
Cheque Type
ISO Index No. 2.53
<ChqInstr>
<ChqTp>BCHQ</ChqTp>
</ChqInstr>
Creditor´s name
ISO Index No. 2.79
<Cdtr>
<Nm>Creditor Name</Nm>
<PstlAdr>
<StrtNm> Creditor Street Name</StrtNm>
<PstCd> Creditor PostCode </PstCd >
<TwnNm> Creditor Town Name</TwnNm>
<Ctry>Creditor Country</Ctry>
</PstlAdr>
</Cdtr>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 67 (153)
Version 1.5.6 Publishing date 29 March 2018
Intra-group transfer
Customers using our GlobalOn-Line services can request local and cross-border Intra-group transfers. The
transfer can be made from accounts in all Handelsbanken countries or from accounts with other banks (see
chapter 1 for details). The Intra-group transfer must be set according to the following;
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Account number to be used both on debit and credit side, must be entered in the same way as in the
Power of Attorney. Otherwise the payment will be rejected or treated as a cross-border payment.
Debtor and creditor agent must be identified by BIC (National Bank-ID cannot be used).
The execution date/value date cannot be more than 30 calendar days ahead of time from the day the
file is sent to the bank. For this payment type, this date is when the account is debited.
An unstructured message to the creditor is optional, maximum 70 characters.
The currency of the transfer must be in either the currency of the debit account or the credit account
More information about GlobalOn-Line Intra-group transfers can be obtained from your local branch office.
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 68 (153)
Version 1.5.6 Publishing date 29 March 2018
9 Hong Kong
Debtor account number in BBAN format is mandatory for all payment types.
Local payments
9.1.1 ACCOUNT PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Creditor account number in BBAN format is mandatory, 1-31 digits.
BIC is mandatory as creditor agent identification.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extracts with XML Tags and example;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor agent
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<BIC>STCAHKH1</BIC>
</FinInstnId>
</CdtrAgt>
Creditor Account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>1234567891</Id>
<SchmeNm>
<Cd>BBAN</Cd>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Payment of product ABC</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 69 (153)
Version 1.5.6 Publishing date 29 March 2018
9.1.2 CHEQUE PAYMENT
Payment Method should be set to CHK and Cheque Type should be set to BCHQ (Bank Cheque).
The creditor’s full name and address including country code is mandatory for payments made via cheque.
An untructured message to the creditor is optional, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>CHK</PmtMtd>
Cheque Type
ISO Index No. 2.53
<ChqInstr>
<ChqTp>BCHQ</ChqTp>
</ChqInstr>
Creditor name and address
ISO Index No. 2.79
<Cdtr>
<Nm>Creditor Name</Nm>
<PstlAdr>
<StrtNm> Creditor Street Name</StrtNm>
<PstCd> Creditor PostCode</PstCd>
<TwnNm> Creditor Town Name</TwnNm>
<Ctry>Creditor Country</Ctry>
</PstlAdr>
</Cdtr>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Payment of product ABC</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 70 (153)
Version 1.5.6 Publishing date 29 March 2018
Cross-border payments
The Creditor´s address <PstlAdrs> including Country Code, is mandatory for all cross-border payments.
Creditor Agent is to be identified preferably with BIC, and when requested, NationalBankID. For more
information see Appendices – Creditor account and Creditor agent in the end of this document.
Creditor account is to be identified as IBAN where available. Please note that IBAN is mandatory for
payments in EUR within EU, EEA and Switzerland. In some countries IBAN cannot be used, why creditor
account must be identified as BBAN. For more information, see Appendices – Creditor account and Creditor
agent in this document. When CreditorAccount is identified as IBAN NationalBankID/Clearing number is to
be not used.
Charge Bearer <ChrgBr> is mandatory for all cross-border payments except for GlobalOn-Line Intra-group
Transfers. See Implementation Guide for details.
An unstructured message to the creditor is optional, maximum 140 characters.
If there are an agreed exchange rate for the payment, rate and reference obtained from the bank should be
stated. A reference is for example a structured reference number or any other kind of agreed identity. This
information is obtained by the bank at the time of the deal (maximum 6 characters).
Relevant extract with XML-tags and examples;
ExchangeRateInformation
ISO Index No. 2.47
<XchgRateInf>
<XchgRate>1,1247</XchgRate>
<CtrctId>123456</ CtrctId>
</XchgRateInf>
9.1.3 NORMAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 71 (153)
Version 1.5.6 Publishing date 29 March 2018
9.1.4 FINANCIAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to CORT.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>CORT</Cd>
</CtgyPurp>
9.1.5 INTRA-COMPANY PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 72 (153)
Version 1.5.6 Publishing date 29 March 2018
Intra-group transfer
Customers using our GlobalOn-Line services can request local and cross-border Intra-group transfers. The
transfer can be made from accounts in all Handelsbanken countries or from accounts with other banks (see
chapter 1 for details). The Intra-group transfer must be set according to the following;
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Account number to be used both on debit and credit side, must be entered in the same way as in the
Power of Attorney. Otherwise the payment will be rejected or treated as a cross-border payment.
Debtor and creditor agent must be identified by BIC (National Bank-ID cannot be used).
The execution date/value date cannot be more than 30 calendar days ahead of time from the day the
file is sent to the bank. For this payment type, this date is when the account is debited.
An unstructured message to the creditor is optional, maximum 70 characters.
The currency of the transfer must be in either the currency of the debit account or the credit account
More information about GlobalOn-Line Intra-group transfers can be obtained from your local branch office.
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 73 (153)
Version 1.5.6 Publishing date 29 March 2018
10 Latvia
Debtor account number in IBAN format is mandatory for all payment types.
10.1.1 REGULATORY REPORTING FOR ALL PAYMENT TYPES
A central bank code, stipulated by the Bank of Latvia, is mandatory for all payments when the payment
exceeds a specific value. For more information and a complete list of payment codes, please see: http://www.handelsbanken.se/shb/inet/icentsv.nsf/vlookuppics/y_bankarenden_foretag_latvijas_banka_list_of
_external_payment_codes/$file/latbanklistextpaycod.pdf
It is the customer's responsibility to ensure that reporting of every payment is according to the rules in
Latvia, where the debit account is held.
Relevant extract with XML-tags and examples;
Regulatory reporting
ISO Index No. 2.89
<RgltryRptg>
<Dtls>
<Cd>111</Cd>
Local payments
Creditor account number in IBAN format is mandatory, 21 characters.
Creditor agent’s BIC is optional. In case the BIC is provided the Creditor agent’s element has to be
populated as shown in below example.
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 74 (153)
Version 1.5.6 Publishing date 29 March 2018
10.1.2 SEPA CREDIT TRANSFER
Payment Method should be set to TRF, Service Level to NURG or SEPA and Category Purpose to SUPP.
An unstructured message to the creditor is optional, maximum of 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor name and country code
ISO Index No. 2.79
<Cdtr>
<Nm>Creditor Name</Nm>
<PstlAdr>
<Ctry>LV</Ctry>
</PstlAdr>
</Cdtr>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>LV44HAND0008300000951</IBAN>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>12345,12346,12347</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 75 (153)
Version 1.5.6 Publishing date 29 March 2018
10.1.3 SEPA CREDIT TRANSFER STRUCTURED
Payment Method should be set to TRF, Service Level to NURG or SEPA and Category Purpose to SUPP.
It is mandatory to enter a structured RF Creditor reference, max 25 characters starting with RF and 2 digit
controlnumber, to the creditor, one reference per payment. When using the RF Creditor reference Issuer
should be set to ISO (see below example).
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor name and country code
ISO Index No. 2.79
<Cdtr>
<Nm>Creditor Name</Nm>
<PstlAdr>
<Ctry>LV</Ctry>
</PstlAdr>
</Cdtr>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>LV44HAND0008300000951</IBAN>
</Id>
</CdtrAcct>
RF Reference
ISO Index No. 2.100
<RmtInf>
<Strd>
<CdtrRefInf>
<Tp>
<CdOrPrtry>
<Cd>SCOR</Cd>
</CdOrPrtry>
<Issr>ISO</Issr>
</Tp>
<Ref>RF1234567890</Ref>
</CdtrRefInf>
</Strd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 76 (153)
Version 1.5.6 Publishing date 29 March 2018
10.1.4 SEPA SALARY
Payment Method should be set to TRF, Service Level to NURG or SEPA and Category Purpose to SALA.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SALA</Cd>
</CtgyPurp>
Creditor name and country code
ISO Index No. 2.79
<Cdtr>
<Nm>Creditor Name</Nm>
<PstlAdr>
<Ctry>LV</Ctry>
</PstlAdr>
</Cdtr>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>LV44HAND0008300000951</IBAN>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Salary</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 77 (153)
Version 1.5.6 Publishing date 29 March 2018
10.1.5 EXPRESS PAYMENT
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
An unstructured message to the creditor is mandatory, maximum 140 characters.
Relevant extracts with XML Tags and example;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>URGP</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor name and country code
ISO Index No. 2.79
<Cdtr>
<Nm>Creditor Name</Nm>
<PstlAdr>
<Ctry>LV</Ctry>
</PstlAdr>
</Cdtr>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>LV44HAND0008300000951</IBAN>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Payment of product ABC</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 78 (153)
Version 1.5.6 Publishing date 29 March 2018
Cross-border payments
The Creditor´s address <PstlAdrs> including Country Code, is mandatory for all cross-border payments.
Creditor Agent is to be identified preferably with BIC, and when requested, NationalBankID. For more
information see Appendices – Creditor account and Creditor agent in the end of this document.
Creditor account is to be identified as IBAN where available. Please note that IBAN is mandatory for
payments in EUR within EU, EEA and Switzerland. In some countries IBAN cannot be used, why creditor
account must be identified as BBAN. For more information, see Appendices – Creditor account and Creditor
agent in this document. When CreditorAccount is identified as IBAN NationalBankID/Clearing number is to
be not used.
Charge Bearer <ChrgBr> is mandatory for all cross-border payments except for GlobalOn-Line Intra-group
Transfers. According to national implementation of the PSD2 regulation (Payment Service Directive), the
Charge bearer code should be set to SHAR for cross border payments within EU/EEA, regardless of
currency, with or without exchange. Handelsbanken will automatically convert the cost sharing to SHAR if
other code has been used, in accordance with the regulation.
An unstructured message to the creditor is optional, maximum 140 characters.
See above about regulatory reporting in Latvia (same rules applies to all payment types).
10.1.6 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER)
This is only valid for EUR payments within the EU, EEA, Switzerland and Monaco. The bank will
automatically classify the payment as a EUR payment within Europe (SEPA Credit Transfer) if requirements
are fulfilled (see Implementation guide CustomerCreditTransferInitiation pain.001 for details).
10.1.7 NORMAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl> <Cd>NURG</Cd> </SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
10.1.8 URGENT PAYMENT
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 79 (153)
Version 1.5.6 Publishing date 29 March 2018
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>URGP</Cd>
</SvcLvl>
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
10.1.9 FINANCIAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to CORT.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>CORT</Cd>
</CtgyPurp>
10.1.10 INTRA-COMPANY PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 80 (153)
Version 1.5.6 Publishing date 29 March 2018
Intra-group transfer
Customers using our GlobalOn-Line services can request local and cross-border Intra-group transfers. The
transfer can be made from accounts in all Handelsbanken countries or from accounts with other banks (see
chapter 1 for details). The Intra-group transfer must be set according to the following;
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Account number to be used both on debit and credit side, must be entered in the same way as in the
Power of Attorney. Otherwise the payment will be rejected or treated as a cross-border payment.
Debtor and creditor agent must be identified by BIC (National Bank-ID cannot be used).
The execution date/value date cannot be more than 30 calendar days ahead of time from the day the
file is sent to the bank. For this payment type, this date is when the account is debited.
Message to the creditor is optional, maximum 70 characters.
The currency of the transfer must be in the currency of the debit account
See above about regulatory reporting in Latvia (same rules applies to all payment types).
More information about GlobalOn-Line Intra-group transfers can be obtained from your local branch office.
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 81 (153)
Version 1.5.6 Publishing date 29 March 2018
11 Lithuania
Debtor account number in IBAN format is mandatory for all payment types.
Local payments
Creditor account number in IBAN format is mandatory for all payment types, 20 characters.
Creditor agent’s BIC is optional. In case the BIC is provided the Creditor agent’s element has to be
populated as shown in below example.
It is mandatory to enter the reference number from the invoice for payments to Tax inspection, Social
Insurance Fund and Custom Department and the payment type SEPA Credit Transfer Structured must be
used.
11.1.1 SEPA CREDIT TRANSFER
Payment Method should be set to TRF, Service Level to NURG or SEPA and Category Purpose to SUPP.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>LT942120083000004816</IBAN>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>123456,123457</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 82 (153)
Version 1.5.6 Publishing date 29 March 2018
11.1.2 SEPA CREDIT TRANSFER STRUCTURED
Payment Method should be set to TRF, Service Level to NURG or SEPA and Category Purpose to SUPP.
It is mandatory to enter a structured reference as message to the creditor, one reference per payment. It
can either be the local Lithuanian reference or the RF Creditor reference and should be entered as
structured remittance information. When using the RF Creditor reference Issuer should be set to ISO (see
below example).
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>LT942120083000004816</IBAN>
</Id>
</CdtrAcct>
RF Reference
ISO Index No. 2.100
<RmtInf>
<Strd>
<CdtrRefInf>
<Tp>
<CdOrPrtry>
<Cd>SCOR</Cd>
</CdOrPrtry>
<Issr>ISO</Issr>
</Tp>
<Ref>RF1234567890</Ref>
</CdtrRefInf>
</Strd>
</RmtInf>
Local Reference
ISO Index No. 2.100
<RmtInf>
<Strd>
<CdtrRefInf>
<Tp>
<CdOrPrtry>
<Cd>SCOR</Cd>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 83 (153)
Version 1.5.6 Publishing date 29 March 2018
</CdOrPrtry>
</Tp>
<Ref>1234567890</Ref>
</CdtrRefInf>
</Strd>
</RmtInf>
11.1.3 SEPA SALARY
Payment Method should be set to TRF, Service Level to NURG or SEPA and Category Purpose to SALA.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SALA</Cd>
</CtgyPurp>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>LT942120083000004816</IBAN>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Salary</Ustrd>
</RmtInf>
11.1.4 EXPRESS PAYMENT
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
An unstructured message to the creditor is mandatory, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>URGP</Cd>
</SvcLvl >
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 84 (153)
Version 1.5.6 Publishing date 29 March 2018
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>LT942120083000004816</IBAN>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.84
<RmtInf>
<Ustrd> Payment of product ABC</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 85 (153)
Version 1.5.6 Publishing date 29 March 2018
Cross-border payments
The Creditor´s address <PstlAdrs> including Country Code, is mandatory for all cross-border payments.
Creditor Agent is to be identified preferably with BIC, and when requested, NationalBankID. For more
information see Appendices – Creditor account and Creditor agent in the end of this document.
Creditor account is to be identified as IBAN where available. Please note that IBAN is mandatory for
payments in EUR within EU, EEA and Switzerland. In some countries IBAN cannot be used, why creditor
account must be identified as BBAN. For more information, see Appendices – Creditor account and Creditor
agent in this document. When CreditorAccount is identified as IBAN NationalBankID/Clearing number is to
be not used.
Charge Bearer <ChrgBr> is mandatory for all cross-border payments except for GlobalOn-Line Intra-group
Transfers. According to national implementation of the PSD2 regulation (Payment Service Directive), the
Charge bearer code should be set to SHAR for cross border payments within EU/EEA, regardless of
currency, with or without exchange. Handelsbanken will automatically convert the cost sharing to SHAR if
other code has been used, in accordance with the regulation.
An unstructured message to the creditor is optional, maximum 140 characters.
11.1.5 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER)
This is only valid for EUR payments within the EU, EEA, Switzerland and Monaco. The bank will
automatically classify the payment as a EUR payment within Europe (SEPA Credit Transfer) if requirements
are fulfilled (see Implementation guide CustomerCreditTransferInitiation pain.001 for details).
11.1.6 NORMAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
11.1.7 URGENT PAYMENT
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
<SvcLvl>
<Cd>URGP</Cd>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 86 (153)
Version 1.5.6 Publishing date 29 March 2018
ISO Index No. 2.8/2.33 and 2.14/2.39
</SvcLvl>
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
11.1.8 FINANCIAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to CORT.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>CORT</Cd>
</CtgyPurp>
11.1.9 INTRA-COMPANY PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 87 (153)
Version 1.5.6 Publishing date 29 March 2018
Intra-group transfer
Customers using our GlobalOn-Line services can request local and cross-border Intra-group transfers. The
transfer can be made from accounts in all Handelsbanken countries or from accounts with other banks (see
chapter 1 for details). The Intra-group transfer must be set according to the following;
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Account number to be used both on debit and credit side, must be entered in the same way as in the
Power of Attorney. Otherwise the payment will be rejected or treated as a cross-border payment.
Debtor and creditor agent must be identified by BIC (National Bank-ID cannot be used).
The execution date/value date cannot be more than 30 calendar days ahead of time from the day the
file is sent to the bank. For this payment type , this date is when the account is debited.
Message to the creditor is optional, maximum 70 characters.
The currency of the transfer must be in the currency of the debit account
More information about GlobalOn-Line Intra-group transfers can be obtained from your local branch office.
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 88 (153)
Version 1.5.6 Publishing date 29 March 2018
12 Luxembourg
Debtor account number can be in either BBAN format or IBAN format.
Local payments
Creditor account number in IBAN format is mandatory for all payment types, 20 characters.
Creditor agent’s BIC is optional. In case the BIC is provided the Creditor agent’s element has to be
populated as shown in below example.
12.1.1 SEPA CREDIT TRANSFER
Payment Method should be set to TRF, Service Level to NURG or SEPA and Category Purpose to SUPP.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor agent’s ID
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<BIC>CCPLLULL</BIC>
</FinInstnId>
</CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>LU181111026606280000</IBAN>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>12345,12346,12347</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 89 (153)
Version 1.5.6 Publishing date 29 March 2018
12.1.2 SEPA CREDIT TRANSFER STRUCTURED
Payment Method should be set to TRF, Service Level to NURG or SEPA and Category Purpose to SUPP.
It is mandatory to enter a structured RF Creditor reference, max 25 characters to the creditor, one
reference per payment. Any unstructured message will be accepted but not used.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor Agent
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<BIC>CCPLLULL</BIC>
</FinInstnId>
</CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>LU181111026606280000</IBAN>
</Id>
</CdtrAcct>
Reference
ISO Index No. 2.100
<RmtInf>
<Strd>
<CdtrRefInf>
<Tp>
<CdOrPrtry>
<Cd>SCOR</Cd>
</CdOrPrtry>
<Issr>ISO</Issr>
</Tp>
<Ref>RF1234567890</Ref>
</CdtrRefInf>
</Strd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 90 (153)
Version 1.5.6 Publishing date 29 March 2018
12.1.3 EXPRESS PAYMENT
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>URGP</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor agent’s ID
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<BIC>CCPLLULL</BIC>
</FinInstnId>
</CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>LU181111026606280000</IBAN>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Payment of product ABC</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 91 (153)
Version 1.5.6 Publishing date 29 March 2018
Cross-border payments
The Creditor´s address <PstlAdrs> including Country Code, is mandatory for all cross-border payments.
Creditor Agent is to be identified preferably with BIC, and when requested, NationalBankID. For more
information see Appendices – Creditor account and Creditor agent in the end of this document.
Creditor account is to be identified as IBAN where available. Please note that IBAN is mandatory for
payments in EUR within EU, EEA and Switzerland. In some countries IBAN cannot be used, why creditor
account must be identified as BBAN. For more information, see Appendices – Creditor account and Creditor
agent in this document. When CreditorAccount is identified as IBAN NationalBankID/Clearing number is to
be not used.
Charge Bearer <ChrgBr> is mandatory for all cross-border payments except for GlobalOn-Line Intra-group
Transfers. According to national implementation of the PSD2 regulation (Payment Service Directive), the
Charge bearer code should be set to SHAR for cross border payments within EU/EEA, regardless of
currency, with or without exchange. Handelsbanken will automatically convert the cost sharing to SHAR if
other code has been used, in accordance with the regulation.
An unstructured message to the creditor is optional, maximum 140 characters.
12.1.4 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER)
This is only valid for EUR payments within the EU, EEA, Switzerland and Monaco. The bank will
automatically classify the payment as a EUR payment within Europe (SEPA Credit Transfer) if requirements
are fulfilled (see Implementation guide CustomerCreditTransferInitiation pain.001 for details).
12.1.5 NORMAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
12.1.6 URGENT PAYMENT
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
<SvcLvl>
<Cd>URGP</Cd>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 92 (153)
Version 1.5.6 Publishing date 29 March 2018
ISO Index No. 2.8/2.33 and 2.14/2.39
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
12.1.7 FINANCIAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to CORT.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>CORT</Cd>
</CtgyPurp>
12.1.8 INTRA-COMPANY PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 93 (153)
Version 1.5.6 Publishing date 29 March 2018
Intra-group transfer
Customers using our GlobalOn-Line services can request local and cross-border Intra-group transfers. The
transfer can be made from accounts in all Handelsbanken countries or from accounts with other banks (see
chapter 1 for details). The Intra-group transfer must be set according to the following;
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Account number to be used both on debit and credit side, must be entered in the same way as in the
Power of Attorney. Otherwise the payment will be rejected or treated as a cross-border payment.
Debtor and creditor agent must be identified by BIC (National Bank-ID cannot be used).
The execution date/value date cannot be more than 30 calendar days ahead of time from the day the
file is sent to the bank. For this payment type, this date is when the account is debited.
Message to the creditor is optional, maximum 70 characters.
The currency of the transfer must be in either the currency of the debit account or the credit account
except for transfers from accounts in Handelsbanken to other banks must be in the currency of the
debit account.
More information about GlobalOn-Line Intra-group transfers can be obtained from your local branch office.
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 94 (153)
Version 1.5.6 Publishing date 29 March 2018
13 Netherlands
Debtor account number can be in either BBAN format or IBAN format.
Local payments
Creditor account number in IBAN format is mandatory for all payment types, 18 characters.
13.1.1 SEPA CREDIT TRANSFER
Payment Method should be set to TRF, Service Level to NURG or SEPA and Category Purpose to SUPP.
An unstructured message to the creditor is optional, maximum 140 characters.
Creditor agent’s BIC is optional. In case the BIC is provided the Creditor agent’s element has to be
populated as shown in below example.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor agent’s ID
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<BIC>ABNANL2A</BIC>
</FinInstnId>
</CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>NL02ABNA0123456789</IBAN>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>12345,12346,12347</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 95 (153)
Version 1.5.6 Publishing date 29 March 2018
13.1.2 SEPA CREDIT TRANSFER STRUCTURED
Payment Method should be set to TRF, Service Level to NURG or SEPA and Category Purpose to SUPP.
It is mandatory to enter a structured reference to the creditor. It could either be the RF Creditor reference,
max 25 characters, or an Acceptgiro 17-reference, one reference per payment. Any unstructured message
will be accepted but not used.
Acceptgiro in the Netherlands is a payment type where the customer has received an invoice with a
payment form.
Type 17 = 17 + reference (7-16 digits)
The code and the reference can be found at the bottom of the payment form in the beginning of the
machine-readable coded line (betalingskenmerk), and has the following appearance:
Reference + Ordering customer < Amount + Creditor acc + Form code
8000533222380000 + 0444333839 < 000145391+ 0490707580 + 17
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl> <Cd>NURG</Cd> </SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor Agent
ISO Index No. 2.77
<CdtrAgt> <FinInstnId> <BIC>ABNANL2A</BIC> </FinInstnId> </CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id> <IBAN>NL02ABNA0123456789</IBAN>
</Id> </CdtrAcct>
Reference
ISO Index No. 2.100
<RmtInf>
<Strd>
<CdtrRefInf>
<Tp>
<CdOrPrtry>
<Cd>SCOR</Cd>
</CdOrPrtry>
<Issr>ISO</Issr>
</Tp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 96 (153)
Version 1.5.6 Publishing date 29 March 2018
<Ref>RF1234567890</Ref>
</CdtrRefInf>
</Strd> </RmtInf>
13.1.3 SEPA SALARY
Payment Method should be set to TRF, Service Level to NURG or SEPA and Category Purpose to SALA.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SALA</Cd>
</CtgyPurp>
Creditor agent’s ID
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<BIC>ABNANL2A</BIC>
</FinInstnId>
</CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>NL02ABNA0123456789</IBAN>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Salary</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 97 (153)
Version 1.5.6 Publishing date 29 March 2018
13.1.4 EUR EXPRESS PAYMENT
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
An unstructured message to the creditor is optional, maximum 140 characters.
Payment can be made to all countries within the SEPA area (the EU, EEA, Monaco, Switzerland).
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>URGP</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN> NL02ABNA0123456789</IBAN>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.84
<RmtInf>
<Ustrd> Payment of product ABC</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 98 (153)
Version 1.5.6 Publishing date 29 March 2018
Cross-border payments
The Creditor´s address <PstlAdrs> including Country Code, is mandatory for all cross-border payments.
Creditor Agent is to be identified preferably with BIC, and when requested, NationalBankID. For more
information see Appendices – Creditor account and Creditor agent in the end of this document.
Creditor account is to be identified as IBAN where available. Please note that IBAN is mandatory for
payments in EUR within EU, EEA and Switzerland. In some countries IBAN cannot be used, why creditor
account must be identified as BBAN. For more information, see Appendices – Creditor account and Creditor
agent in this document. When CreditorAccount is identified as IBAN NationalBankID/Clearing number is to
be not used.
Charge Bearer <ChrgBr> is mandatory for all cross-border payments except for GlobalOn-Line Intra-group
Transfers. According to national implementation of the PSD2 regulation (Payment Service Directive), the
Charge bearer code should be set to SHAR for cross border payments within EU/EEA, regardless of
currency, with or without exchange. Handelsbanken will automatically convert the cost sharing to SHAR if
other code has been used, in accordance with the regulation.
An unstructured message to the creditor is optional, maximum 140 characters.
13.1.5 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER)
This is only valid for EUR payments within the EU, EEA, Switzerland and Monaco. The bank will
automatically classify the payment as a EUR payment within Europe (SEPA Credit Transfer) if requirements
are fulfilled (see Implementation guide CustomerCreditTransferInitiation pain.001 for details).
13.1.6 NORMAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
13.1.7 URGENT PAYMENT
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
<SvcLvl>
<Cd>URGP</Cd>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 99 (153)
Version 1.5.6 Publishing date 29 March 2018
ISO Index No. 2.8/2.33 and 2.14/2.39
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Intra-group transfer
Customers using our GlobalOn-Line services can request local and cross-border Intra-group transfers. The
transfer can be made from accounts in all Handelsbanken countries or from accounts with other banks (see
chapter 1 for details). The Intra-group transfer must be set according to the following;
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Account number to be used both on debit and credit side, must be entered in the same way as in the
Power of Attorney. Otherwise the payment will be rejected or treated as a cross-border payment.
Debtor and creditor agent must be identified by BIC (National Bank-ID cannot be used).
The execution date/value date cannot be more than 30 calendar days ahead of time from the day the
file is sent to the bank. For this payment type, this date is when the account is debited.
An unstructured message to the creditor is optional, maximum 70 characters.
The currency of the transfer must be in either the currency of the debit account or the credit account
More information about GlobalOn-Line Intra-group transfers can be obtained from your local branch office.
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 100 (153)
Version 1.5.6 Publishing date 29 March 2018
14 Norway
Debtor account number can be in either BBAN format or IBAN format.
Local payments
14.1.1 KID AND TAX PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
The creditor account can be either in BBAN format (11 digits) or in IBAN format (15 characters).
A structured KID reference is mandatory, maximum 25 digits, one reference per payment.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor account BBAN
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>12345678901</Id>
<SchmeNm>
<Cd>BBAN</Cd>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
KID reference
ISO Index No. 2.100
<RmtInf>
<Strd>
<CdtrRefInf>
<Tp>
<CdOrPrtry>
<Cd>SCOR</Cd>
</CdOrPrtry>
</Tp>
<Ref>34002294598038</Ref>
</CdtrRefInf>
</Strd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 101 (153)
Version 1.5.6 Publishing date 29 March 2018
14.1.2 PAYMENT WITH MESSAGE
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
The creditor account can be either in BBAN format (11 digits) or in IBAN format (15 characters).
It is mandatory to enter the creditor’s full name and address.
An unstructured message to the creditor is mandatory, maximum 280 characters. When several invoices
are batched into one payment, use comma sign or other separator between the reference numbers. A
maximum of 2 <Ustr> elements can be used.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor´s name
ISO Index No. 2.79
<Cdtr>
<Nm>Creditor Name</Nm>
<PstlAdr>
<StrtNm> Creditor Street Name</StrtNm>
<PstCd> Creditor PostCode </PstCd >
<TwnNm> Creditor Town Name</TwnNm>
<Ctry>Creditor Country</Ctry>
</PstlAdr>
</Cdtr>
Creditor account BBAN
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>12345678901</Id>
<SchmeNm>
<Cd>BBAN</Cd>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>12345,12346,12347</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 102 (153)
Version 1.5.6 Publishing date 29 March 2018
14.1.3 SALARY PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SALA.
The creditor account can be either in BBAN format (11 digits) or in IBAN format (15 characters).
It is not possible to enter a message to the creditor.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SALA</Cd>
</CtgyPurp>
Creditor account BBAN
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>12345678901</Id>
<SchmeNm>
<Cd>BBAN</Cd>
</SchmeNm>
</Othr> </Id> </CdtrAcct>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 103 (153)
Version 1.5.6 Publishing date 29 March 2018
14.1.4 CASH PAYMENT
Payment Method should be set to CHK and Cheque Type to BCHQ.
The creditor’s full name and address is mandatory.
An unstructured message to the creditor is optional, maximum 280 characters.
Payment Method
ISO Index No. 2.2
<PmtMtd>CHK</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Cheque Type
ISO Index No. 2.53
<ChqInstr>
<ChqTp>BCHQ</ChqTp>
</ChqInstr>
Creditor´s name
ISO Index No. 2.79
<Cdtr>
<Nm>Creditor Name</Nm>
<PstlAdr>
<StrtNm> Creditor Street Name</StrtNm>
<PstCd> Creditor PostCode </PstCd >
<TwnNm> Creditor Town Name</TwnNm>
<Ctry>Creditor Country</Ctry>
</PstlAdr>
</Cdtr>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Reference ABC</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 104 (153)
Version 1.5.6 Publishing date 29 March 2018
14.1.5 FINANCIAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to CORT.
The creditor account can be either a BBAN (11 digits) or an IBAN (15 characters).
An unstructured message to the creditor is optional, maximum 140 characters
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>CORT</Cd>
</CtgyPurp>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>NO31904122459375565785937</IBAN>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Reference 123</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 105 (153)
Version 1.5.6 Publishing date 29 March 2018
Cross-border payments
The Creditor´s address <PstlAdrs> including Country Code, is mandatory for all cross-border payments.
Creditor Agent is to be identified preferably with BIC, and when requested, NationalBankID. For more
information see Appendices – Creditor account and Creditor agent in the end of this document.
Creditor account is to be identified as IBAN where available. Please note that IBAN is mandatory for
payments in EUR within EU, EA and Switzerland. In some countries IBAN cannot be used, why creditor
account must be identified as BBAN. For more information, see Appendices – Creditor account and Creditor
agent in this document. When CreditorAccount is identified as IBAN NationalBankID/Clearing number is to
be not used.
Charge Bearer <ChrgBr> is mandatory for all cross-border payments except for GlobalOn-Line Intra-group
Transfers. See Implementation Guide for details.
An unstructured message to the creditor is optional, maximum 140 characters.
If there are an agreed exchange rate for the payment, rate and reference obtained from the bank should be
stated. A reference is for example a structured reference number or any other kind of agreed identity. This
information is obtained by the bank at the time of the deal (maximum 15 characters).
Relevant extract with XML-tags and examples;
ExchangeRateInformation
ISO Index No. 2.47
<XchgRateInf>
<XchgRate>1,1247</XchgRate>
<CtrctId>Dealno. 123456</ CtrctId>
</XchgRateInf>
14.1.6 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER)
This is only valid for EUR payments within the EU, EEA, Switzerland and Monaco. The bank will
automatically classify the payment as a EUR payment within Europe (SEPA Credit Transfer) if requirements
are fulfilled (see Implementation guide CustomerCreditTransferInitiation pain.001 for details).
14.1.7 NORMAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 106 (153)
Version 1.5.6 Publishing date 29 March 2018
14.1.8 URGENT PAYMENT
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>URGP</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
14.1.9 FINANCIAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to CORT.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>CORT</Cd>
</CtgyPurp>
14.1.10 INTRA-COMPANY PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 107 (153)
Version 1.5.6 Publishing date 29 March 2018
14.1.11 REGULATORY REPORTING CROSS-BORDER PAYMENT
An obligation to report applies to Norway. Handelsbanken provides instructions as how reporting of this
kind is to be carried out. It is the customer's responsibility to ensure that the instructions are followed on
every payment.
Each separate payment through a Norwegian bank to a creditor domiciled outside Norway or to a bank
outside Norway (in foreign currency or NOK) should be reported to “Toll og Avgiftsdirektoratet” (TOD) by
the intermediary bank.
A list of the currency register codes is given below. We refer you to the Norwegian customs and the
Norwegian currency register law for further information:
http://www.toll.no/default.aspx?id=3&epslanguage=EN
http://www.lovdata.no/info/lawdata.html
As a complement to the currency register code the description or the reason for the payment should be
written in full.
Code Description
14 Purchase/sale of goods
26 Rent
29 Other purchase/sale of service
31 Interest
35 Dividend
38 Other return on capital
41 Purchase/sale of real estate and activated options abroad
43 Purchase/sale of shares and units, referring to direct investment
45 Direct investment in other capital
51 Purchase/sale of shares and units, referring to portfolio investment
52 Purchase/sale of bonds and certificates, referring to portfolio investment
53 Purchase/sale of derivatives, referring to portfolio investment
71 Life assurance/pension
79 Other finance investments
81 Salary
82 Inheritance, gift etc.
Relevant extract with XML-tags and examples;
Regulatory reporting
ISO Index No. 2.89
<RgltryRptg>
<Dtls>
<Cd>26</Cd>
<Inf>Rent</Inf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 108 (153)
Version 1.5.6 Publishing date 29 March 2018
Intra-group transfer
Customers using our GlobalOn-Line services can request local and cross-border Intra-group transfers. The
transfer can be made from accounts in all Handelsbanken countries or from accounts with other banks (see
chapter 1 for details). The Intra-group transfer must be set according to the following;
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Account number to be used both on debit and credit side, must be written in the same way as in the
Power of Attorney. Otherwise the payment will be rejected or treated as a cross-border payment.
Debtor and creditor agent must be identified by BIC (National Bank-ID cannot be used).
The execution date/value date cannot be more than 30 calendar days ahead of time from the day the
file is sent to the bank. For this payment type, this date is when the account is debited.
An unstructured message to the creditor is optional, maximum 70 characters.
The currency of the transfer must be in either the currency of the debit account or the credit account
except for transfers from accounts in Handelsbanken to other banks must be in the currency of the
debit account.
See Regulatory Reporting for Cross border payments above about regulatory reporting (same rules
applies to cross-border Intra-company transfers).
More information about GlobalOn-Line Intra-group transfers can be obtained from your local branch office.
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 109 (153)
Version 1.5.6 Publishing date 29 March 2018
15 Poland
Debtor account number in IBAN format is required for all payment types.
Local payments
Creditor account can be stated either in in BBAN format, 26 digits, or in IBAN format 28 characters.
15.1.1 NORMAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
It is mandatory to enter a message to the creditor, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor Account IBAN
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>PL71106000760000409940091107</IBAN>
</Id>
</CdtrAcct>
Creditor Account BBAN
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>71106000760000409940091107</Id>
<SchmeNm>
<Cd>BBAN</Cd>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>50072,50073</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 110 (153)
Version 1.5.6 Publishing date 29 March 2018
15.1.2 TAX PAYMENT/CUSTOMS DUTY
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
The creditor account number is the number of the tax office/customs authority (IBAN or BBAN/NRB).
An unstructured message to the creditor is mandatory, maximum 140 characters, to be stated as in the
example below.
The Tax payment/Customs duty message must always begin with /T//TI/ followed by Type of Identification.
Type of Identification,
code
Remitter’s Identification
N NIP10 digits
P PESEL, 11 digits
R REGON, 9 or 14 digits
1 Personal ID, maximum 14 characters
2 Passport, maximum 14 characters
3 Other, maximum 14 characters
Select the Type of Identification code and then enter the Remitters Identification for the chosen type of
identification.
The Period of the payment should then be entered beginning with /OKR/ followed by the Period, which
consist of three parts; Year, Type and Number.
Fiscal Year Description
Year The last 2 digits of the fiscal year must be entered.
Type,
code
Description Number
J Day 4 digits, the number of the day and month, e.g.: 2609 for the 26th of September
D Month third
(decade)
4 digits, the number of the 10 day period of the month and the month. The 10 day
period is entered with 2 digits; 01, 02 or 03. 01 for the first 10 days of the month, 02
for the days between the 11th and the 20th day, 03 for the last 10 days. The last 2
digits should be the month entered with two digits between 1 – 12.
M Month 2 digits, the number of the month
K Quarter 2 digits, the number of the quarter
P Semi annual 2 digits, 01 or 02 for the first and second half of the year
R Year Field is left empty
Enter the 2 digits for the Year. Select the Type code and form a Number depending of the period chosen.
The Form code received from the Tax office should be entered beginning with /SFP/. Maximum 7 characters
(/SFP/ excluded).
After the Form code continue with /TXT/ for the Payment ID. It is mandatory to enter any additional
instructions from the tax office or tax authority. Maximum 40 characters (/TXT/ excluded).
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 111 (153)
Version 1.5.6 Publishing date 29 March 2018
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor Account IBAN
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>PL71106000760000409940091107</IBAN>
</Id>
</CdtrAcct>
Creditor Account BBAN
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>71106000760000409940091107</Id>
<SchmeNm>
<Cd>BBAN</Cd>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>/T//TI/N2222222222/OKR/07J2804/SFP/PIT-7/TXT/ Payment ID</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 112 (153)
Version 1.5.6 Publishing date 29 March 2018
15.1.3 SORBNET ON REQUEST
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
An unstructured message to the creditor is mandatory, maximum 140 characters. The Sorbnet on request
message must always begin with “/S/”.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor Account IBAN
ISO Index No. 2.80
<CdtrAcct>
<Id>
<IBAN>PL71106000760000409940091107</IBAN>
</Id>
</CdtrAcct>
Creditor Account BBAN
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>71106000760000409940091107</Id>
<SchmeNm>
<Cd>BBAN</Cd>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>/S/INVOICE NO 50072, CUSTOMER NO 122</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 113 (153)
Version 1.5.6 Publishing date 29 March 2018
Cross-border payments
The Creditor´s address <PstlAdrs> incl Country Code, is mandatory for all cross-border payments.
Creditor Agent is to be identified preferably with BIC, and when requested, NationalBankID. For more
information see Appendices – Creditor account and Creditor agent in the end of this document.
Creditor account is to be identified as IBAN where available. Please note that IBAN is mandatory for
payments in EUR within EU, EEA and Switzerland. In some countries IBAN cannot be used, why creditor
account must be identified as BBAN. For more information, see Appendices – Creditor account and Creditor
agent in this document. When CreditorAccount is identified as IBAN NationalBankID/Clearing number is to
be not used.
Charge Bearer <ChrgBr> is mandatory for all cross-border payments except for GlobalOn-Line Intra-group
Transfers. See Implementation Guide for details.
An unstructured message to the creditor is mandatory for all cross border payments from accounts in
Poland, maximum 140 characters.
15.1.4 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER)
This is only valid for EUR payments within the EU, EEA, Switzerland and Monaco. The bank will
automatically classify the payment as a EUR payment within Europe (SEPA Credit Transfer) if requirements
are fulfilled (see Implementation guide CustomerCreditTransferInitiation pain.001 for details).
15.1.5 NORMAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>CONSULTING SERVICES</Ustrd>
<RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 114 (153)
Version 1.5.6 Publishing date 29 March 2018
15.1.6 URGENT PAYMENT
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>URGP</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>GOODS</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 115 (153)
Version 1.5.6 Publishing date 29 March 2018
Intra-group transfer
Customers using our GlobalOn-Line services can request local and cross-border Intra-group transfers. The
transfer can be made from accounts in all Handelsbanken countries or from accounts with other banks (see
chapter 1 for details). See chapter 15.1 and 15.2 for requirements about message field for Polish transfers.
The Intra-group transfer must be set according to the following;
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Account number to be used both on debit and credit side, must be entered in the same way as in the
Power of Attorney. Otherwise the payment will be rejected or treated as a cross-border payment.
Debtor and creditor agent must be identified by BIC (National Bank-ID cannot be used).
The execution date/value date cannot be more than 30 calendar days ahead of time from the day the
file is sent to the bank. For this payment type, this date is when the account is debited.
It is mandatory to enter an unstructured message to the creditor for cross-border Intra-group transfers
from accounts in Poland. The ordering customer has to give the details of the payment. A reference
must be stated, e.g. “goods”, “consulting services”, “loans”, “interest” etc. The invoice number is not
sufficient information. The obligation to supply this information does not depend on the amount of
payment.
The currency of the transfer must be in either the currency of the debit account or the credit account
More information about GlobalOn-Line Intra-group transfers can be obtained from your local branch office.
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 116 (153)
Version 1.5.6 Publishing date 29 March 2018
16 Singapore
Local payments
Creditor account number in a BBAN format should be used.
16.1.1 ACCOUNT PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Creditor account number in BBAN format, 10 digits, is mandatory.
A BIC, consisting of 8 or 11 characters, is mandatory. The BIC is used to identify the correct Creditor agent.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extracts with XML Tags and example;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor agent
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<BIC>SCBLSGSG</BIC>
</FinInstnId>
</CdtrAgt>
Creditor Account
ISO Index No. 2.58
<CdtrAcct>
<Id>
<Othr>
<Id>20461862804</Id>
<SchmeNm>
<Cd>BBAN</Cd>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Payment of product ABC</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 117 (153)
Version 1.5.6 Publishing date 29 March 2018
16.1.2 CHEQUE PAYMENT
Payment Method should be set to CHK and Cheque Type should be set to BCHQ (Bank Cheque).
The creditor’s address including country code is mandatory for all cheque payments.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>CHK</PmtMtd>
Cheque Type
ISO Index No. 2.52
<ChqInstr>
<ChqTp>BCHQ</ChqTp>
</ChqInstr>
Creditor name and address
ISO Index No. 2.79
<Cdtr>
<Nm>Creditor Name</Nm>
<PstlAdr>
<StrtNm> Creditor Street Name</StrtNm>
<PstCd> Creditor PostCode</PstCd>
<TwnNm> Creditor Town Name</TwnNm>
<Ctry>Creditor Country</Ctry>
</PstlAdr>
</Cdtr>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Payment of product ABC</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 118 (153)
Version 1.5.6 Publishing date 29 March 2018
Cross-border payments
The Creditor´s address <PstlAdrs> including Country Code, is mandatory for all cross-border payments.
Creditor Agent is to be identified preferably with BIC, and when requested, NationalBankID. For more
information see Appendices – Creditor account and Creditor agent in the end of this document.
Creditor account is to be identified as IBAN where available. Please note that IBAN is mandatory for
payments in EUR within EU, EEA and Switzerland. In some countries IBAN cannot be used, why creditor
account must be identified as BBAN. For more information, see Appendices – Creditor account and Creditor
agent in this document. When CreditorAccount is identified as IBAN NationalBankID/Clearing number is to
be not used.
Charge Bearer <ChrgBr> is mandatory for all cross-border payments except for GlobalOn-Line Intra-group
Transfers. See Implementation Guide for details.
An unstructured message to the creditor is optional, maximum 140 characters.
If there are an agreed exchange rate for the payment, rate and reference obtained from the bank should be
stated. A reference is for example a structured reference number or any other kind of agreed identity. This
information is obtained by the bank at the time of the deal (maximum 6 characters).
Relevant extract with XML-tags and examples;
ExchangeRateInformation
ISO Index No. 2.47
<XchgRateInf>
<XchgRate>1,1247</XchgRate>
<CtrctId>123456</ CtrctId>
</XchgRateInf>
16.1.3 NORMAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 119 (153)
Version 1.5.6 Publishing date 29 March 2018
16.1.4 FINANCIAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to CORT.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>CORT</Cd>
</CtgyPurp>
16.1.5 INTRA-COMPANY PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 120 (153)
Version 1.5.6 Publishing date 29 March 2018
Intra-group transfer
Customers using our GlobalOn-Line services can request local and cross-border Intra-group transfers. The
transfer can be made from accounts in all Handelsbanken countries or from accounts with other banks (see
chapter 1 for details). The Intra-group transfer must be set according to the following;
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Account number to be used both on debit and credit side, must be entered in the same way as in the
Power of Attorney. Otherwise the payment will be rejected or treated as a cross-border payment.
Debtor and creditor agent must be identified by BIC (National Bank-ID cannot be used).
The execution date/value date cannot be more than 30 calendar days ahead of time from the day the
file is sent to the bank. For this payment type, this date is when the account is debited.
An unstructured message to the creditor is optional, maximum 70 characters.
The currency of the transfer must be in either the currency of the debit account or the credit account
More information about GlobalOn-Line Intra-group transfers can be obtained from your local branch office.
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 121 (153)
Version 1.5.6 Publishing date 29 March 2018
17 Sweden
Debtor account number can be either BBAN, IBAN or Bankgiro number (which is an alias for a bank
account), depending on payment type and type of agreement with the bank. Notice that Bankgiro number
can only be used as debtor account number for local payments and salaries.
The 4 digits clearing number (branch code) is mandatory as Clearing System Member Id in Debtor Agent.
For Bankgiro “SESBA9900” is to be used as Clearing System Member Id in Debtor Agent.
Relevant extract with XML-tags and examples;
Debtor account BG-number and Debtor agent Bankgiro
ISO Index No. 2.20 and
2.21
<DbtrAcct>
<Id>
<Othr>
<Id>7567888</Id>
<SchmeNm>
<Prtry>BGNR</Prtry>
</SchmeNm>
</Othr>
</Id>
</DbtrAcct>
<DbtrAgt>
<FinInstnId>
<ClrSysMmbId>
<ClrSysId>
<Cd>SESBA</Cd>
</ClrSysId>
<MmbId>9900</MmbId>
</ClrSysMmbId>
</FinInstnId>
</DbtrAgt>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 122 (153)
Version 1.5.6 Publishing date 29 March 2018
Debtor account as BBAN and Debtor agent Handelsbanken
ISO Index No. 2.20 and
2.21
<DbtrAcct>
<Id>
<Othr>
<Id>123456789</Id>
<SchmeNm>
<Cd>BBAN</Cd>
</SchmeNm>
</Othr>
</Id>
</DbtrAcct>
<DbtrAgt>
<FinInstnId>
<ClrSysMmbId>
<ClrSysId>
<Cd>SESBA</Cd>
</ClrSysId>
<MmbId>6001</MmbId>
</ClrSysMmbId>
</FinInstnId>
</DbtrAgt>
Local payments
Local vendor payments in Sweden are processed in the two Giro systems – The Bankgiro and the Plusgiro
why creditor account for these payments must be stated either as Bankgiro number or Plusgiro number,
depending on payment type. See below for more information about the respective.
The Bankgiro is an alias for a bank account which can be held in any Swedish bank. The Plusgiro number is a
bank account in Nordea.
Creditor account number can be either as Bankgiro number, Plusgiro number or BBAN depending on
payment type. See below for information.
The 4 digits clearing number (branch code) is mandatory as Clearing System Member Id in Creditor Agent.
For Bankgiro 9900 is to be used and for Plusgiro 9500 is to be used as Clearing System Member Id for
Creditor Agent. SchemeName for the account identification should be BBAN.
Notice that Urgent payment is not applicable for SEK payments within Sweden.
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 123 (153)
Version 1.5.6 Publishing date 29 March 2018
17.1.1 BANKGIRO PAYMENT WITH OCR REFERENCE
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Creditor account as Bankgiro number is mandatory, 7-8 digits.
”9900” is mandatory as Clearing System Member Id for Creditor Agent.
A structured OCR reference is mandatory, maximum 25 digits, one reference per payment. The OCR
reference is shown at the bottom of the payment slip in the coded line.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor agent
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<ClrSysMmbId>
<ClrSysId>
<Cd>SESBA</Cd>
</ClrSysId>
<MmbId>9900</MmbId>
</ClrSysMmbId>
</FinInstnId>
</CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>7567888</Id>
<SchmeNm>
<Prtry>BGNR</Prtry>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
OCR reference
ISO Index No. 2.100
<RmtInf>
<Strd>
<CdtrRefInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 124 (153)
Version 1.5.6 Publishing date 29 March 2018
<Tp>
<CdOrPrtry>
<Cd>SCOR</Cd>
</CdOrPrtry>
</Tp>
<Ref>1234567890000</Ref>
</CdtrRefInf>
</Strd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 125 (153)
Version 1.5.6 Publishing date 29 March 2018
17.1.2 BANKGIRO PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Creditor account must be stated as Bankgiro number.
”9900” is mandatory as Clearing System Member Id for Creditor Agent.
A message to the creditor is mandatory. It can be stated either as unstructured or as structured remittance
information.
For batched payments (i.e. several invoices and credit notes) we recommend to use several <Ustrd>
elements with one reference, max 35 characters, per element and maximum 14 elements per payment.
As an alternative it is possible to specify invoices and credit notes as structured remittance information.
Maxmimum of 5 structured elements can be included in the same payment.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor agent
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<ClrSysMmbId>
<ClrSysId>
<Cd>SESBA</Cd>
</ClrSysId>
<MmbId>9900</MmbId>
</ClrSysMmbId>
</FinInstnId>
</CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>7567888</Id>
<SchmeNm>
<Prtry>BGNR</Prtry>
</SchmeNm>
</Othr>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 126 (153)
Version 1.5.6 Publishing date 29 March 2018
</Id>
</CdtrAcct>
Unstructured remittance information
ISO Index No. 2.99
<RmtInf>
<Ustrd>Message to Creditor</Ustrd> </RmtInf>
Unstructured Remittance information, Batched payments
ISO Index No. 2.99
<RmtInf>
<Ustrd>12345</Ustrd> <Ustrd>12346</Ustrd> </RmtInf>
Structured remittance information, Batched payments
ISO Index No. 2.100
<RmtInf>
<Strd>
<RfrdDocInf>
<Tp>
<CdOrPrtry> <Cd>CINV</Cd> </CdOrPrtry>
</Tp>
<Nb>12345</Nb> </RfrdDocInf> <RfrdDocAmt> <RmtdAmt CCy=”SEK”100</RmtdAmt> </RfrdDocAmt>
</Strd> <Strd>
<RfrdDocInf>
<Tp>
<CdOrPrtry> <Cd>CREN</Cd> </CdOrPrtry>
</Tp>
<Nb>56789</Nb> </RfrdDocInf> <RfrdDocAmt> <CdtNoteAmt Ccy=”SEK”50</CdtNoteAmt> </RfrdDocAmt>
</Strd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 127 (153)
Version 1.5.6 Publishing date 29 March 2018
17.1.3 PLUSGIRO PAYMENT WITH OCR REFERENCE
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Creditor account as Plusgiro number is mandatory, 2-10 digits.
Either ”9500” or “9960” is mandatory as Clearing System Member Id for Creditor Agent.
A structured OCR reference is mandatory, maximum 25 digits, one reference per payment. The OCR
reference is shown at the bottom of the payment slip in the coded line.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor agent
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<ClrSysMmbId>
<ClrSysId>
<Cd>SESBA</Cd>
</ClrSysId>
<MmbId>9500</MmbId>
</ClrSysMmbId>
</FinInstnId>
</CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>123456789</Id>
<SchmeNm>
<Cd>BBAN</Cd>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
OCR reference
ISO Index No. 2.100
<RmtInf>
<Strd>
<CdtrRefInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 128 (153)
Version 1.5.6 Publishing date 29 March 2018
<Tp>
<CdOrPrtry>
<Cd>SCOR</Cd>
</CdOrPrtry>
</Tp>
<Ref>1234567890000</Ref>
</CdtrRefInf>
</Strd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 129 (153)
Version 1.5.6 Publishing date 29 March 2018
17.1.4 PLUSGIRO PAYMENTS WITH MESSAGE
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Creditor account as Plusgiro number is mandatory, 2-10 digits.
Either ”9500” or “9960” is mandatory as Clearing System Member Id for Creditor Agent.
A message to the creditor is mandatory.
For batched payments we recommend to use several <Ustrd> elements with one reference, max 35
characters, per element and maximum 8 elements.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor agent
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<ClrSysMmbId>
<ClrSysId>
<Cd>SESBA</Cd>
</ClrSysId>
<MmbId>9500</MmbId>
</ClrSysMmbId>
</FinInstnId>
</CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>123456789</Id>
<SchmeNm>
<Cd>BBAN</Cd>
</SchmeNm> </Othr>
</Id> </CdtrAcct>
Unstructured Remittance information
ISO Index No. 2.99
<RmtInf>
<Ustrd>Message to Creditor</Ustrd> </RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 130 (153)
Version 1.5.6 Publishing date 29 March 2018
Unstructured Remittance information, Batched payments
ISO Index No. 2.99
<RmtInf>
<Ustrd>12345</Ustrd> <Ustrd>12346</Ustrd> </RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 131 (153)
Version 1.5.6 Publishing date 29 March 2018
17.1.5 CASH PAYMENT
Payment Method should be set to CHK and Cheque Type to BCHQ.
The creditor’s full name and address are mandatory.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>CHK</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Cheque Type
ISO Index No. 2.53
<ChqInstr>
<ChqTp>BCHQ</ChqTp>
</ChqInstr>
Creditor´s name
ISO Index No. 2.79
<Cdtr>
<Nm>Creditor Name</Nm>
<PstlAdr>
<StrtNm> Creditor Street Name</StrtNm>
<PstCd> Creditor PostCode </PstCd >
<TwnNm> Creditor Town Name</TwnNm>
<Ctry>Creditor Country</Ctry>
</PstlAdr> </Cdtr>
Message to creditor ISO Index No. 2.99
<RmtInf> <Ustrd>123456</Ustrd> </Rmtinf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 132 (153)
Version 1.5.6 Publishing date 29 March 2018
17.1.6 ACCOUNT PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Creditor account in BBAN-format is mandatory, 8-10 digits. Clearing number (4 digits) in Creditor agent is
mandatory.
Message to creditor with a maximum of 12 characters is optional.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor agent
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<ClrSysMmbId>
<ClrSysId>
<Cd>SESBA</Cd>
</ClrSysId>
<MmbId>5325</MmbId>
</ClrSysMmbId>
</FinInstnId>
</CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>123456789</Id>
<SchmeNm>
<Cd>BBAN</Cd>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>12345</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 133 (153)
Version 1.5.6 Publishing date 29 March 2018
17.1.7 SALARY PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SALA.
Creditor account in BBAN-format is mandatory, 8-10 digits. Clearing number (4 digits) in Creditor agent is
mandatory.
It is not possible to enter a message to the creditor.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SALA</Cd>
</CtgyPurp>
Creditor agent
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<ClrSysMmbId>
<ClrSysId>
<Cd>SESBA</Cd>
</ClrSysId>
<MmbId>5325</MmbId>
</ClrSysMmbId>
</FinInstnId>
</CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>123456789</Id>
<SchmeNm>
<Cd>BBAN</Cd>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 134 (153)
Version 1.5.6 Publishing date 29 March 2018
17.1.8 FINANCIAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to CORT.
Creditor account in BBAN-format is mandatory, 8-9 digits. Clearing number (4 digits) in Creditor agent is
mandatory.
A message to the creditor is optional, maximum 140 characters.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>CORT</Cd>
</CtgyPurp>
Creditor agent
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<ClrSysMmbId>
<ClrSysId>
<Cd>SESBA</Cd>
</ClrSysId>
<MmbId>5325</MmbId>
</ClrSysMmbId>
</FinInstnId>
</CdtrAgt>
Creditor account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>123456789</Id>
<SchmeNm>
<Cd>BBAN</Cd>
</SchmeNm>
</Othr> </Id> </CdtrAcct>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 135 (153)
Version 1.5.6 Publishing date 29 March 2018
Cross-border payments
The Creditor´s address <PstlAdrs> including Country Code, is mandatory for all cross-border payments.
Creditor Agent is to be identified preferably with BIC, and when requested, NationalBankID. For more
information see Appendices – Creditor account and Creditor agent in the end of this document.
Creditor account is to be identified as IBAN where available. Please note that IBAN is mandatory for
payments in EUR within EU, EEA and Switzerland. In some countries IBAN cannot be used, why creditor
account must be identified as BBAN. For more information, see Appendices – Creditor account and Creditor
agent in this document. When CreditorAccount is identified as IBAN NationalBankID/Clearing number is to
be not used.
Charge Bearer <ChrgBr> is mandatory for all cross-border payments except for GlobalOn-Line Intra-group
Transfers. See Implementation Guide for details.
An unstructured message to the creditor is optional, maximum 140 characters.
17.1.9 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER)
This is only valid for EUR payments within the EU, EEA, Switzerland and Monaco. The bank will
automatically classify the payment as a EUR payment within Europe (SEPA Credit Transfer) if requirements
are fulfilled (see Implementation guide CustomerCreditTransferInitiation pain.001 for details).
17.1.10 NORMAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
17.1.11 URGENT PAYMENT
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>URGP</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 136 (153)
Version 1.5.6 Publishing date 29 March 2018
</CtgyPurp>
17.1.12 FINANCIAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to CORT.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>CORT</Cd>
</CtgyPurp>
17.1.13 INTRA-COMPANY PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
17.1.14 CHEQUES
Please note, only GBP and USD are allowed currencies for cheques.
Payment Method should be set to CHK and Cheque Type should be set to BCHQ (Bank Cheque).
The creditor’s full name and address are mandatory. No message to the creditor can be entered.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>CHK</PmtMtd>
Cheque Type
ISO Index No. 2.53
<ChqInstr>
<ChqTp>BCHQ</ChqTp>
</ChqInstr>
Creditor´s name <Cdtr>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 137 (153)
Version 1.5.6 Publishing date 29 March 2018
ISO Index No. 2.79 <Nm>Creditor Name</Nm>
<PstlAdr>
<StrtNm> Creditor Street Name</StrtNm>
<PstCd> Creditor PostCode </PstCd >
<TwnNm> Creditor Town Name</TwnNm>
<Ctry>Creditor Country</Ctry>
</PstlAdr>
</Cdtr>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 138 (153)
Version 1.5.6 Publishing date 29 March 2018
17.1.15 REGULATORY REPORTING CROSS-BORDER PAYMENT
Each individual payment via a Swedish bank to a creditor domiciled outside Sweden (in a foreign currency
or in Swedish kronor) that exceeds a counter value stipulated by the National Tax Board (Riksskatteverket)
should be reported to the tax board by the intermediary bank.
A list of the most frequently used payment codes is given below. For more information and a complete list
of payment codes please see http://www.skatteverket.se/ and the brochure ”Kontrolluppgifter, – ränta,
utdelning m.m.” (SKV 373).
Code Description
101 Imports/exports of goods
122 Goods that have not passed the Swedish border; purchase of goods abroad with a view to selling them.
130 Freight of goods imported to Sweden
131 Freight of goods exported from Sweden
173 Storage, shipping, transit, port, and terminal costs, etc.
223 Other travel expenses (expenditure for hotels, courses, conferences, etc.)
331 Fees and commission on bank-, broker and management services etc.
410 Computing services (hardware and software consultancy and implementation, data processing, etc.)
423 Royalties and licence fees for the use of proprietary rights.
440 Advertising, market research and public opinion polls
442 Architectural, engineering and other technical services
462 Other services
473 Commission related to the intermediation of goods
560 Other transfers (damages, alimony, membership, fees, and gifts incl. taxes, etc.)
601 In Sweden (foreign owner). Loan to/from foreign owner.
603 Outside Sweden (Swedish owner). Loan to/from foreign subsidiary/group company.
683 Loan to party outside Sweden (asset). Loan to party outside Sweden/amortisation of loan to party outside
Sweden.
793 Other capital transactions.
940 Conversion outside Sweden of an amount that has been taken from Sweden, converted and then brought into
Sweden again. (For conversion abroad in connection with other payments, the code for the underlying
transaction is used).
Relevant extract with XML-tags and examples;
Regulatory reporting
ISO Index No. 2.89
<RgltryRptg>
<Dtls>
<Cd>101</Cd>
</Dtls>
</RgltryRptg>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 139 (153)
Version 1.5.6 Publishing date 29 March 2018
Intra-group transfer
Customers using our GlobalOn-Line services can request local and cross-border Intra-group transfers. The
transfer can be made from accounts in all Handelsbanken countries or from accounts with other banks (see
chapter 1 for details). The Intra-group transfer must be set according to the following;
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Account number to be used both on debit and credit side, must be entered in the same way as in the
Power of Attorney. Otherwise the payment will be rejected or treated as a cross-border payment.
Debtor and creditor agent must be identified by BIC (National Bank-ID cannot be used).
The execution date/value date cannot be more than 30 calendar days ahead of time from the day the
file is sent to the bank. For this payment type, this date is when the account is debited.
Message to the creditor is optional, maximum 70 characters.
The currency of the transfer must be in the currency of the debit account
See Regulatory Reporting Cross border payments above about regulatory reporting (same rules applies
to cross-border Intra-company transfers).
More information about GlobalOn-Line Intra-group transfers can be obtained from your local branch office.
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 140 (153)
Version 1.5.6 Publishing date 29 March 2018
18 USA
Debtor account number in BBAN format is mandatory for all payment types.
Local payments
An ABA/FedWire consisting of 9 digits is mandatory. The ABA/FedWire corresponds to the clearing number,
and is used to identify the correct Creditor agent. Please note that “USABA” must be entered before the
ABA/FedWire.
18.1.1 ACH PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Creditor account number in BBAN format, 1-17 digits, is mandatory.
The name of the creditor can be entered with a maximum of 22 characters when making an ACH payment.
An unstructured message to the creditor is optional, maximum 80 characters.
Relevant extracts with XML Tags and example;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor agent
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<ClrSysMmbId>
<ClrSysId>
<Cd>USABA</Cd>
</ClrSysId>
<MmbId>123456789</MmbId>
</ClrSysMmbId> </FinInstnId> </CdtrAgt>
Creditor Account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>90460513072</Id>
<SchmeNm>
<Cd>BBAN</Cd>
</SchmeNm> </Othr>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 141 (153)
Version 1.5.6 Publishing date 29 March 2018
</Id> </CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Payment of product ABC</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 142 (153)
Version 1.5.6 Publishing date 29 March 2018
18.1.2 FEDWIRE PAYMENT
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
The creditor account number, 1-34 characters, is mandatory.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extracts with XML Tags and example;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>URGP</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Creditor agent
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<ClrSysMmbId>
<ClrSysId>
<Cd>USABA</Cd>
</ClrSysId>
<MmbId>123456789</MmbId>
</ClrSysMmbId>
</FinInstnId>
</CdtrAgt>
Creditor Account
ISO Index No. 2.80
<CdtrAcct>
<Id>
<Othr>
<Id>90460513072</Id>
<SchmeNm>
<Cd>BBAN</Cd>
</SchmeNm>
</Othr>
</Id>
</CdtrAcct>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Payment of product ABC</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 143 (153)
Version 1.5.6 Publishing date 29 March 2018
Cross-border payments
The Creditor´s address <PstlAdrs> including Country Code, is mandatory for all cross-border payments.
Creditor Agent is to be identified preferably with BIC, and when requested, NationalBankID. For more
information see Appendices – Creditor account and Creditor agent in the end of this document.
Creditor account is to be identified as IBAN where available. Please note that IBAN is mandatory for
payments in EUR within EU, EEA and Switzerland. In some countries IBAN cannot be used, why creditor
account must be identified as BBAN. For more information, see Appendices – Creditor account and Creditor
agent in this document. When CreditorAccount is identified as IBAN NationalBankID/Clearing number is to
be not used.
Charge Bearer <ChrgBr> is mandatory for all cross-border payments except for GlobalOn-Line Intra-group
Transfers. See Implementation Guide for details. Charge bearer (<ChrgBr>) will always be treated as DEBT
(OUR) for all cross-border payments from Handelsbanken US. See Implementation Guide for details.
An unstructured message to the creditor is optional, maximum 140 characters.
Please notice that if the method of payment is Normal, Financial payment or Intra Company payment
Requested execution date (<ReqdExctnDt>) will be the value date. The bank will automatically set the
execution date to the date we receive the file and make the validation for the cut off time according to this
information.
If there are an agreed exchange rate for the payment, rate and reference obtained from the bank should be
stated. A reference is for example the name of the person in the bank who has provided the agreed rate, a
structured reference number or any other kind of agreed identity. This information is obtained by the bank
at the time of the deal (maximum 16 characters).
Relevant extract with XML-tags and examples;
ExchangeRateInformation
ISO Index No. 2.47
<XchgRateInf>
<XchgRate>1,1247</XchgRate>
<CtrctId>Dealno. 123456</ CtrctId>
</XchgRateInf>
18.1.3 NORMAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 144 (153)
Version 1.5.6 Publishing date 29 March 2018
18.1.4 FINANCIAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to CORT.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>CORT</Cd>
</CtgyPurp>
18.1.5 INTRA-COMPANY PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 145 (153)
Version 1.5.6 Publishing date 29 March 2018
Intra-group transfer
Customers using our GlobalOn-Line services can request local and cross-border Intra-group transfers. The
transfer can be made from accounts in all Handelsbanken countries or from accounts with other banks (see
chapter 1 for details). The Intra-group transfer must be set according to the following;
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Account number to be used both on debit and credit side, must be entered in the same way as in the
Power of Attorney. Otherwise the payment will be rejected or treated as a cross-border payment.
Debtor and creditor agent must be identified by BIC (National Bank-ID cannot be used).
The execution date/value date cannot be more than 30 calendar days ahead of time from the day the
file is sent to the bank. For this payment type, this date is when the account is debited.
An unstructured message to the creditor is optional, maximum 70 characters.
The currency of the transfer must be USD.
More information about GlobalOn-Line Intra-group transfers can be obtained from your local branch office.
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 146 (153)
Version 1.5.6 Publishing date 29 March 2018
19 Debtor account held with other banks
Payments can also be made from accounts held with other banks. The service is based on Handelsbanken
having an agreement with the account holding bank in order to execute payments. Please check with your
branch.
Debtor account number can be in either BBAN format or IBAN format. Please contact your debtor agent for
information regarding how to state your debtor account.
Debtor Agent is to be identified preferably with BIC, and when requested, NationalBankID.
All National Bank IDs is published in the External Code Sets spreadsheet at
www.iso20022.org/external_code_list.page.
Local payments
For information regarding on how to specify Creditor Account and Creditor Agent in a specific country, see
Appendices – Creditor account and Creditor agent in this document. Creditor Agent Identitfication can
either be BIC or National Bank ID.
19.1.1 NORMAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extracts with XML Tags and example;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Payment of product ABC</Ustrd>
</RmtInf>
19.1.2 URGENT PAYMENT
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
An unstructured message to the creditor is optional, maximum 140 characters.
Relevant extracts with XML Tags and example;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 147 (153)
Version 1.5.6 Publishing date 29 March 2018
Service Level and Category Purpose
ISO Index No. 2.5/2.29 and 2.12/2.36
<SvcLvl>
<Prtry>URGP</Prtry>
</SvcLvl>
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Payment of product ABC</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 148 (153)
Version 1.5.6 Publishing date 29 March 2018
Cross-border payments
The Creditor´s address <PstlAdrs> including Country Code, is mandatory for all cross-border payments.
Creditor Agent is to be identified preferably with BIC, and when requested, NationalBankID. For more
information see Appendices – Creditor account and Creditor agent in the end of this document.
Creditor account is to be identified as IBAN where available. Please note that IBAN is mandatory for
payments in EUR within EU, EEA and Switzerland. In some countries IBAN cannot be used, why creditor
account must be identified as BBAN. For more information, see Appendices – Creditor account and Creditor
agent in this document.
Charge Bearer <ChrgBr> is mandatory for all cross-border payments except for GlobalOn-Line Intra-group
Transfers. See Implementation Guide for details.
An unstructured message to the creditor is optional, maximum 140 characters.
If there are an agreed exchange rate for the payment, rate and reference obtained from the bank could be
stated. A reference is for example the name of the person in the bank who has provided the agreed rate, a
structured reference number or any other kind of agreed identity.
Relevant extract with XML-tags and examples;
ExchangeRateInformation
ISO Index No. 2.47
<XchgRateInf>
<XchgRate>1,1247</XchgRate>
<CtrctId>123456</ CtrctId>
</XchgRateInf>
19.1.3 EUR PAYMENTS WITHIN EUROPE (SEPA CREDIT TRANSFER)
This is only valid for EUR payments within the EU, EEA, Switzerland and Monaco. The bank will
automatically classify the payment as a EUR payment within Europe (SEPA Credit Transfer) if requirements
are fulfilled (see Implementation guide CustomerCreditTransferInitiation pain.001 for details).
19.1.4 NORMAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl> <Cd>NURG</Cd> </SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Payment of product ABC</Ustrd>
</RmtInf>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 149 (153)
Version 1.5.6 Publishing date 29 March 2018
19.1.5 URGENT PAYMENT
Payment Method should be set to TRF, Service Level to URGP and Category Purpose to SUPP.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>URGP</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>SUPP</Cd>
</CtgyPurp>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Payment of product ABC</Ustrd>
</RmtInf>
19.1.6 FINANCIAL PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to CORT.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
ISO Index No. 2.8/2.33 and 2.14/2.39
<SvcLvl>
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>CORT</Cd>
</CtgyPurp>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Payment of product ABC</Ustrd>
</RmtInf>
19.1.7 INTRA-COMPANY PAYMENT
Payment Method should be set to TRF, Service Level to NURG and Category Purpose to INTC.
Relevant extract with XML-tags and examples;
Payment Method
ISO Index No. 2.2
<PmtMtd>TRF</PmtMtd>
Service Level and Category Purpose
<SvcLvl>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 150 (153)
Version 1.5.6 Publishing date 29 March 2018
ISO Index No. 2.8/2.33 and 2.14/2.39
<Cd>NURG</Cd>
</SvcLvl >
<CtgyPurp>
<Cd>INTC</Cd>
</CtgyPurp>
Message to creditor
ISO Index No. 2.99
<RmtInf>
<Ustrd>Payment of product ABC</Ustrd>
</RmtInf>
19.1.8 REGULATORY REPORTING CROSS-BORDER PAYMENT
For some countries it is mandatory to include regulatory reporting for specific domestic regulatory
requirements. It is the debtor’s responsibility to include when required.
Relevant extract with XML-tags and examples;
Regulatory reporting
ISO Index No. 2.89
<RgltryRptg>
<Dtls>
<Cd>101</Cd>
</Dtls>
</RgltryRptg>
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 151 (153)
Version 1.5.6 Publishing date 29 March 2018
20 Appendices
Debtor Account and Debtor agent
20.1.1 DEBTOR AGENT - HANDELSBANKEN
Country Country
code
BBAN – Traditional Account
number
IBAN – International
Bank Account number
BIC
China CN 10 characters Not available HANDCNSH
Denmark DK 11 digits incl clearing number 18 characters HANDDKKK
Estonia EE Not available 20 characters HANDEE22
Finland FI 14 digits incl clearing number 18 characters HANDFIHH
France FR 23 digits 27 characters HANDFRPP
Germany DE 10 digits 22 characters HANDDEFF
Great Britain GB 8 digits 22 characters HANDGB22
Hong Kong HK 10 digits Not available HANDHKKK
Latvia LV Not available 21 characters HANDLV22
Lithuania LT Not available 20 characters HANDLT2X
Luxembourg LU 8 digits 20 characters HANDLULB
Netherlands NL 10 digits 18 characters HANDNL2A
Norway NO 11 digits incl clearing number 15 characters HANDNOKK
Poland PL Not used 28 characters HANDPLPW
Singapore SG 10 digits Not available HANDSGSG
Sweden* SE 8 or 9 digits 24 characters HANDSESS
USA US 8 digits Not available HANDUS33
*It is also possible to use Bankgiro number 7-8 digits (Debtor Agent’s Clearing System Member Id should be
set to 9900 and Clearing System Identity should be set to SESBA) as Debtor account for Swedish local
payments and salaries.
20.1.2 DEBTOR ACCONT HELD IN OTHER BANKS
Debtor accounts held in other banks could be stated either as an international bank account number, IBAN,
or a traditional bank account number, BBAN. This must be agreed upon with the bank in point.
Implementation guide
ISO 20022 pain.001.001.03 Country Specific Information Page 152 (153)
Version 1.5.6 Publishing date 29 March 2018
Creditor Account and Creditor agent
20.1.3 CREDITOR ACCOUNT
Handelsbanken always validates that an IBAN is correct and, for some countries, Handelsbanken also
validates that the BBAN is correct (correct number of digits/characters and correct control digit).
For payments in EUR within EU, EEA and Switzerland creditor account as IBAN is required.
See https://www.ecbs.org/iban.htm for further information about how IBAN and BBAN are stated in
different countries.
20.1.4 CREDITOR AGENT
Creditor agent identification is entered with a BIC and/or a National bank ID. It is optional to enter Creditor
Agent when creditor account is stated as IBAN.
In some countries the creditor's local agent may not have a BIC of its own. In these cases, a National bank Id
might be required and should be stated as shown in below example.
Relevant extract with XML-tags and examples;
Creditor agent
ISO Index No. 2.77
<CdtrAgt>
<FinInstnId>
<ClrSysMmbId>
<ClrSysId>
<Cd>USABA</Cd>
</ClrSysId>
<MmbId>123456789</MmbId>
</ClrSysMmbId>
</FinInstnId>
</CdtrAgt>
All National Bank IDs is published in the External Code Sets spreadsheet at
www.iso20022.org/external_code_list.page.
Examples of National bank Id;
Country
ClearingSystemId
<ClrSysMmbId>
Length of MemberId
<MmbId>
Description
Australia AUBSB 6 digits Bank State Branch Code (BSB)
Canada CACPA 9 digits Payments Association Payment Routing Number
China CNAPS 12 digits CNAPS code
Great Britain GBDSC 6 digits UK Domestic Sort Code (not allowed for Cross
border payments)
Hong Kong HKNCC 6 digits National Clearing Code (CHATS)
Russia RUCBC 9 digits Central Bank Identification Code
South Africa ZANCC 6 digits South African Sort Code