LloydsLink Online - SWIFT MT940 (Standard) - File Format (May 2014)
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1 LloydsLink Online - SWIFT MT940 (Standard) - File Format (May 2014) We are making changes to some of the statement narratives (transaction s) on LloydsLink Online. As a result, some of the transaction types and transaction codes on the reports you download from LloydsLink Online may change. This means you may need to make changes to your reconciliation arrangements or back office systems to accommodate this. This document updates the information on the file formats that is currently available from the LloydsLink Online website. The tables illustrate the As is and narratives and explain what is changing. SWIFT MT940 (Standard) The SWIFT export file allows the user to export the End of day statement into an MT940 message. LloydsLink Online provides three SWIFT MT940 Standard formats: 1. SWIFT MT940 displays the sort code/account number as nnnnnnnn/nnnnnnnn 2. SWIFT MT940 (SAP compliant) displays only the account number as nnnnnnnn 3. SWIFT MT940 V2 displays the sort code/account number as nnnnnn/nnnnnnnn The table below shows the format of the SWIFT MT940 file the fields that are changing are marked in red. Mandatory Field /optional number Tag Field name Content/Options M 1 20 reference number 16x O 2 21 Related reference 16x M 3 25 Account identification 35x M 4 28C Statement number/sequence number 5n[/5n] M 5 60a Opening balance F or M à O 6 61 Statement line * O 7 86 Information to account owner 6*65x M 8 62a Closing balance (booked funds) F or M O 9 64 Closing available balance (available funds) 1!a6!n3!a15d à O Forward available balance 1!a6!n3!a15d O Information to account owner 6*65x The table below shows the format of field 6 Statement line the elements that are changing are marked in red. Sub field name Content/Options 6 int Value date (YYMMDD) 4 int Entry date (MMDD) (optional) 2 alpha /Credit mark 1 alpha Funds code (optional) 15 dec Amount (including comma decimal separator) 1 alpha 3 char type ID code 16 chars Reference for account owner // 16 chars Account servicing institution s reference (optional) 34 chars Supplementary details (optional)
2 SWIFT Standard Export File - sterling account transactions examples of changes to As is and statement narratives BACS Credit :61: C1,11NONREF LTCPTTAM1CBK137 :86:999FREETEXTREF :61: C9,00NONREF LTCPTTAM1CBK138 :86:999CTBACSIMMDAY2 BGC BGC type changes from position to BACS :61: D1,11NONREF FREETEXTREF :86:999FREETEXTREF :61: D12,00NONREF BENEFICIARY :86:999CTBACSIMMDAY2 D/D DD type changes from D/D to DD type changes from position to Charges Bank NCHG :61: D6861,59NCHGNONREF SERVICE CHARGES :86:999REF : :61: D379,70NONREF SERVICE CHARGES :86:999REF : code changes from NCHG to Interest - NINT :61: D2,00NINTNONREF O/DRAFT INTEREST NINT :61: D2,00NINTNONREF O/DRAFT INTEREST No Change
3 SWIFT Standard Export File - sterling account transactions examples of changes to As is and statement narratives Card Payment :61: D5,99NONREF WH SMITH TRAVEL :86:999LONDON 8619DC Payment reference changes from nnnndc to CD nnnn (where :61: D9,50NONREF OLIVER BONAS BANKS :86:999CD 4113 n is a number) Payment reference moves from position 20 to 1 Card Refund :61: C5,99NONREF WH SMITH TRAVEL :86:999LONDON 8619DC Payment reference changes from nnnndc to CD nnnn (where :61: C9,50NONREF OLIVER BONAS BANKS :86:999CD 4113 n is a number) Payment reference moves from position 20 to 1 Euro Moneymover :61: D1,20NONREF FOREIGN FT :86:999EUR :61: D2,57NONREF FT :86:999FOREIGN EUR Narrative changes from FOREIGN FT to FT Narrative changes from currency conversion rate to FOREIGN EUR Euro Basic Moneymover Inbound International Payment International Moneymover Internal Transfer Credit Internal Transfer :61: D1,37NONREF FOREIGN FT :86:999EUR :61: D2,32NONREF FT :86:999FOREIGN EUR :61: C1,07NONREF REMITTER NAME F/FLOW :61: C16,00NONREF F/FLOW REMITTERNAM TFR :61: D1,10NONREF FOREIGN FT :86:999BENEFICIARY NAME :61: D13,00NONREF FT :86:999FOREIGN EUR :61: C1,01NONREF LTCPTTAM1CBK137 :86:999PAYMENT 1 :61: C3,50NONREF AC :61: D1,01NONREF LTCPTTAM1CBK276 :86:999PAYMENT 1 :61: D3,40NONREF TO Narrative changes from FOREIGN FT to FT Narrative changes from currency conversion rate to FOREIGN EUR REMITTER NAME narrative moves from position1 to 8 and reduces to 11 characters Narrative F/FLOW moves from position 20 to 1 Narrative TFR provided at position 23 Narrative changes from FOREIGN FT to FT Narrative changes from BENEFICIARY NAME to FOREIGN and currency Payment reference in line 7 (tag 86) is removed Narrative changes from ACCOUNT NAME and PAYMENT REFERENCE to SORT CODE & ACCOUNT NUMBER DEBITED Payment reference in line 7 (tag 86) is removed Narrative changes from ACCOUNT NAME and PAYMENT REFERENCE to SORT CODE &ACCOUNT NUMBER CREDITED
4 SWIFT Standard Export File - sterling account transactions examples of changes to As is and statement narratives Banker s Draft - Cash/cheque (Account holding branch) Cash/cheque (Non-account holding branch) Cheque (Non-account holding branch) :61: D1,55NONREF DRAFT :61: D3,20NONREF DRAFT :61: C15,00NONREF SUNDRY CREDIT :61: C20,00NONREF :61: C14,00NONREF BANK GIRO CREDIT :61: C19,00NONREF NCHK :61: D14,00NCHK NCHK :61: D19,00NCHK Narrative changes from SUNDRY CREDIT to reference number Credit reference moves from position to 1-6 Narrative BANK GIRO CREDIT is removed Credit reference moves from position to 1-6
5 SWIFT Standard Export File - sterling account transactions examples of changes to As is and statement narratives Branch deposit :61: C14,00NONREF BANK GIRO CREDIT :86:999CORN ST BRISTOL :61: C4,00NONREF Narrative BANK GIRO CREDIT is removed Credit reference number moves from position 20 to 1 Field 86 no longer contains the branch address CHAPS :61: C1,07NONREF REMITTER NAME :86:999REFERENCE F/FLOW :61: C3,47NONREF F/FLOW REMITTERNAM TFR :86:999PAYMENT REFERENCE1 PAYMENT REFERENCE2 Narrative F/FLOW moves from position 20 to 1 Remitter name reduces from 18 to 11 characters and moves from position 1 to 8 Narrative TFR provided from position 23 Additional payment reference provided in field 86 CHAPS debit :61: D2,01NONREF BENEFICIARY NAME F/FLOW :86:999PAYMENT REF :61: D1,47NONREF BENEFICIARY F/FLOW :86:999PAYMENTREFERENCE TFR Beneficiary name reduces from 18 to 11 characters Narrative F/FLOW moves from position 20 to 13 Narrative TFR provided from position 23 Charges - bank refund NCHG NCHG :61: C23,49NCHGNONREF REFUNDED CHARGES :86:999REF : :61: C5,00NCHGNONREF REFUNDED CHARGES :86:999REF : Interest NINT :61: D2,00NINTNONREF O/DRAFT INTEREST NINT :61: D1,00NINTNONREF O/DRAFT INTEREST Faster Payments - Faster Payments - debit :61: C1,02NONREF FPC/ :86: REMITTER NAME REMITTER REFERENCE :61: C2,00NONREF REMITTER NAME FPI :86:999REMITTER REFERENCE MAR14 07:24 :61: D1,03NONREF FPD/ :86: REMITTER REF FREETEXTREF1 :61: D6,00NONREF BENEFICIARY NAME FPO :86: REMITTER REF MAR14 14:26 Narrative changes from FPC/ to FPI Unique Faster Payments transaction ID changes from tag 61 to 86 and date and time of transaction are provided Remitter name moves from tag 86 to tag 61 Remitter reference moves to first line in tag 86 Remitter Sort and date and time of payment are provided Narrative changes from FPD/ to FPO Unique Faster Payments transaction ID changes from tag 61 to 86 Beneficiary Sort and date and time of payment are provided
6 Standing Order Credit NSTO :61: C1,02NSTONONREF REMITTER NAME :86:999REFERENCE :61: C1,00NONREF REMITTER FPI :86:999SO INBOUND FTRT MAR14 14:01 SO code changes from NSTO to Narrative SO changes to FPI and starts from position 25 Unique Faster Payments transaction ID provided in tag 86 Remitter Sort and date and time of payment are provided in tag 86 Standing Order NSTO :61: D1,16NSTONONREF BENEFICIARY S/O NSTO :61: D1,00NSTONONREF TO BENEFICIARY SO Narrative S/O changes to SO and starts from position 24 PM998-3 Please contact us if you would like this information in an alternative format such as Braille, large print or audio. Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no Telephone Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Lloyds Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service. (Please note that due to the schemes eligibility criteria not all Lloyds Bank Commercial customers will be covered by these schemes.) We aim to provide the highest level of customer service possible. If you do experience a problem, we will always seek to resolve this as quickly and efficiently as possible. If you would like a copy of our complaint procedures, please contact your relationship manager or any of our offices. You can also find details on our website, at
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