Codification Annex. ING Format Descriptions Structured MT940 & MT942 Camt.052 & Camt.053

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1 Codification Annex ING Format Descriptions Structured MT940 & MT942 Camt.052 & Camt.053 Strategic InsideBusiness Connect InsideBusiness Payments InsideBusiness Payments CEE SwiftNet FIN SwiftNet FileAct EBICS

2 Strategic 2

3 Document version history Version Date Changes First version ING Transaction Codification updated and moved to this Annex. Codification Annex ING Format Descriptions Strategic v1.0 3

4 Introduction This annex contains various transaction codifications supported in ING in the End of Day & Intra Day Reporting. It complements the ING Format Description Structured MT940 & MT942 (Version 4) Strategic and the ING Format Description Camt & Camt Strategic. The following countries are in scope: The Netherlands Ireland Bulgaria Codification Annex ING Format Descriptions Strategic v1.0 4

5 Contents Appendix A SWIFT Transaction Codification 6 Appendix B ISO Transaction Codification 8 Appendix C ING Transaction Codification 11 Appendix D ISO Return Reason codes (SCT/SDD)* 20 Appendix E Appendix ISO Return Reason codes (Other)* 22 Document owner: Commercial Product Management Account Reporting Effective date: December 2016 Last reviewed: December 2016 Version: 1.0 ING Bank N.V., This document is a publication of ING Wholesale Banking Codification Annex ING Format Descriptions Strategic v1.0 5

6 Appendix A SWIFT Transaction Codification For complete SWIFT table and detailed description of the codes see Code BNK BOE BRF CAR CAS CHG CHK CLR CMI CMN CMP CMS CMT CMZ COL COM CPN DCR DDT DIS DIV EQA EXT FEX INT LBX LDP MAR MAT MGT Description Securities Related Item - Bank fees Bill of exchange Brokerage fee Securities Related Item - Corporate Actions Related Securities Related Item - Cash in Lieu Charges and other expenses Cheques Cash letters/cheques remittance Cash management item - No detail Cash management item - Notional pooling Compensation claims Cash management item - Sweeping Cash management item -Topping Cash management item - Zero balancing Collections (used when entering a principal amount) Commission Securities Related Item - Coupon payments Documentary credit (used when entering a principal amount) Direct Debit Item Securities Related Item - Gains disbursement Securities Related Item - Dividends Equivalent amount Securities Related Item - External transfer for own account Foreign exchange Interest Lock box Loan deposit Securities Related Item - Margin payments/receipts Securities Related Item Maturity Securities Related Item - Management fees Codification Annex ING Format Descriptions Strategic v1.0 6

7 Code MSC NWI ODC OPT PCH POP PRN REC RED RIG RTI SAL SEC SLE STO STP SUB SWP TAX TCK TCM TRA TRF TRN UWC VDA WAR Description Miscellaneous Securities Related Item - New issues distribution Overdraft charge Securities Related Item - Options Securities Related Item Purchase Securities Related Item - Pair-off proceeds Securities Related Item - Principal pay-down/pay-up Securities Related Item - Tax reclaim Securities Related Item - Redemption/Withdrawal Securities Related Item - Rights Returned item Securities Related Item Sale Securities (used when entering a principal amount) Securities Related Item - Securities lending related Standing order Securities Related Item - Stamp duty Securities Related Item - Subscription Securities Securities Related Item - Withholding tax payment Traveller s cheques Securities Related Item - Tripartite collateral management Securities Related Item - Internal transfer for own account Transfer Securities Related Item - Transaction fee Securities Related Item - Underwriting commission Value date adjustment Securities Related Item - Warrant Codification Annex ING Format Descriptions Strategic v1.0 7

8 Appendix B ISO Transaction Codification For complete ISO table and detailed description and usage of the codes see Domain Family Subfamily Description (subfamily code) ACMT ACOP VALD Value Date ADOP VALD Value Date MCOP ADJT Adjustments (Generic) INTR Interests (Generic) MDOP FEES Fees (Generic) CAMT ACCB SWEP Sweeping TOPG ZABA Topping Zero Balancing LDAS CSLN DDWN Drawdown PPAY Principal Payment MGLN DDWN Drawdown PPAY Principal Payment PMNT CCRD CAJT Credit Adjustments (Generic) CDPT CWDL DAJT POSC POSD SMRT XBCW Cash Deposit Cash Withdrawal Debit Adjustments (Generic) Credit Card Payment Point-of-Sale (POS) Payment - Debit Card Smart-Card Payment Cross-Border Cash Withdrawal CNTR BCDP Branch Deposit BCWD CAJT CDPT CHKD CWDL FCDP FCWD MSCD TCDP TCWD Branch Withdrawal Credit Adjustments (Generic) Cash Deposit Check Deposit Cash Withdrawal Foreign Currencies Deposit Foreign Currencies Withdrawal Miscellaneous Deposit Travellers Cheques Deposit Travellers Cheques Withdrawal Codification Annex ING Format Descriptions Strategic v1.0 8

9 Domain Family Subfamily Description (subfamily code) PMNT (cont d) ICCN ACON ACH Concentration ICDT BOOK Internal Book Transfer CHRG Charges (Generic) DMCT Domestic Credit Transfer ESCT SEPA Credit Transfer PRCT Priority Credit Transfer RRTN Reversal Due To Payment Return SALA Payroll/Salary Payment SDVA Same Day Value Credit Transfer STDO Standing Order XBCT Cross-Border Credit Transfer ICHQ BCHQ Bank Cheque CCHQ Cheque IDDT BBDD SEPA B2B Direct Debit ESDD SEPA Core Direct Debit OODD One-Off Direct Debit PADD Pre-Authorised Direct Debit PMDD Direct Debit UPDD Unpaid Direct Debit MCOP ADJT Adjustments (Generic) OTHR Other MCRD OTHR Other POSC Credit Card Payment POSP Point-of-Sale (POS) Payment SMCD Smart-Card Payment UPCT Unpaid Card Transaction MDOP ADJT Adjustments (Generic) CHRG Charges (Generic) OTHR Other RCCN ACON ACH Concentration CAJT Credit Adjustments (Generic) DAJT Debit Adjustments (Generic) RCDT BOOK Internal Book Transfer CAJT Credit Adjustments (Generic) Codification Annex ING Format Descriptions Strategic v1.0 9

10 Domain Family Subfamily Description (subfamily code) PMNT (cont d) DAJT Debit Adjustments (Generic) DMCT Domestic Credit Transfer ESCT SEPA Credit Transfer PRCT Priority Credit Transfer RRTN Reversal Due To Payment Return SDVA Same Day Value Credit Transfer STDO Standing Order XBCT Cross-Border Credit Transfer RCHQ CCHQ Cheque RDDT BBDD SEPA B2B Direct Debit CAJT Credit Adjustments (Generic) ESDD SEPA Core Direct Debit OODD One-Off Direct Debit PADD Pre-Authorised Direct Debit PMDD Direct Debit PRDD Reversal Due To Payment Reversal RCDD Reversal Due To Payment Cancellation Request UPDD Unpaid Direct Debit Codification Annex ING Format Descriptions Strategic v1.0 10

11 Appendix C ING Transaction Codification The ING Transaction Codification list contains the current list of possible codes. A number of codes are country specific or for future reference. Code Description NL IE BG Miscellaneous (in case product is not mapped) X X X SEPA Credit Transfer X X X SEPA Credit Transfer (paper) X SEPA Credit Transfer Intra-company X X X SEPA Credit Transfer ING In-house X X SEPA ideal payment X IBAN Acceptgiro X ING employee initiated SEPA Credit Transfer (no cost) X ING employee initiated SEPA Credit Transfer Urgent (no cost) X SEPA Credit Transfer Same Day X ING employee initiated SEPA Credit Transfer X ING employee initiated SEPA Credit Transfer Urgent X Euro Credit Transfer Real Time X X SEPA Credit Transfer (loan pay off) X Return SEPA Credit Transfer X X X Return SEPA Credit Transfer Intra- Company X Return SEPA Credit Transfer Same Day X Codification Annex ING Format Descriptions Strategic v1.0 11

12 Code Description NL IE BG Return ideal X SEPA Credit Transfer Batch X X X SEPA Credit Transfer transaction in Batch 1 X X X SEPA Credit Transfer Batch Salary X X X SEPA Credit Transfer transaction in Batch Salary 2 X X X Reject Domestic Multiple Credit Transfer X Reject Credit Transfer Salary X X X Domestic Credit Transfer X X Domestic Credit Transfer (paper) X Domestic Credit Transfer ING In-house X Domestic Credit Transfer Tax Real Time X Domestic Credit Transfer Tax X Domestic Credit Transfer Same day X X Domestic Credit Transfer Real Time X Domestic Credit Transfer from/to Savings Account X Lending Repayment / Drawdown X Principal Payout Term Deposit Account X 1 Only in combination with Camt Format and Global Entry Enrichment 2 Only in combination with Camt Format and Global Entry Enrichment Codification Annex ING Format Descriptions Strategic v1.0 12

13 Code Description NL IE BG Premature breakup Term Deposit Account X Principal pay-out Notice Savings Account X Premature breakup Notice Savings Account X Return Domestic Credit Transfer X Domestic Credit Transfer Batch X Domestic Credit Transfer transaction in Batch Salary X Domestic Credit Transfer Batch Salary X International Credit Transfer X International Credit Transfer ING In-house SHA X X International Credit Transfer ING In-house OUR X X International Credit Transfer ING In-house BEN X X International Credit Transfer Intra-company SHA X X International Credit Transfer Intra-company OUR X X International Credit Transfer Intra-company BEN X X International Credit Transfer SHA X X International Credit Transfer Urgent SHA X X International Credit Transfer OUR X X International Credit Transfer Urgent OUR X X International Credit Transfer BEN X X Codification Annex ING Format Descriptions Strategic v1.0 13

14 Code Description NL Description IE Description BG Description International Credit Transfer Urgent BEN X X Return International Credit Transfer X Domestic Direct Debit transaction (as debtor) X SEPA Direct Debit Batch X SEPA Direct Debit X SEPA Direct Debit Core Batch X SEPA Direct Debit Core X SEPA Direct Debit Core transaction One Off (as debtor) X X X SEPA Direct Debit Core transaction First (as debtor) X X X SEPA Direct Debit Core transaction Recurrent (as debtor) X X X SEPA Direct Debit Core transaction Last (as debtor) X X X SEPA Direct Debit B2B Batch X SEPA Direct Debit B2B transaction X SEPA Direct Debit B2B transaction One Off (as debtor) X X X SEPA Direct Debit B2B transaction First (as debtor) X X X SEPA Direct Debit B2B transaction Recurrent (as debtor) X X X SEPA Direct Debit B2B transaction Last (as debtor) X X X Domestic Direct Debit Batch X Domestic Direct Debit transaction X X Codification Annex ING Format Descriptions Strategic v1.0 14

15 Code Description NL IE BG Refund Domestic Direct Debit (as debtor) X Refund Domestic Direct Debit X Reversal Domestic Direct Debit X Domestic Direct Debit batch (Government) X Domestic Direct Debit (Government) X Reject Domestic Direct Debit Batch X Reject SEPA Direct Debit Core X Reject SEPA Direct Debit B2B X Reject Domestic Direct Debit X Return SEPA Direct Debit X Return SEPA Direct Debit Core X Return SEPA Direct Debit B2B X Refund Authorised SEPA Direct Debit Core X X X Reversal SEPA Direct Debit X Reversal SEPA Direct Debit Core X X X Refund Unauthorized SEPA Direct Debit Core (as debtor) X X Reversal SEPA Direct Debit B2B X X X Revocation SEPA Direct Debit X Revocation SEPA Direct Debit Core X Codification Annex ING Format Descriptions Strategic v1.0 15

16 Code Description NL IE BG Revocation SEPA Direct Debit B2B X Revocation SEPA Direct Debit B2B One Off Revocation SEPA Direct Debit B2B First Refund Unauthorised SEPA Direct Debit B2B X X X Point of Sale X Point of Sale Mobile X Point of Sale Contactless X Cross Border Point of Sale X Cross Border Point of Sale Mobile X Cross Border Point of Sale Contactless X Point of Sale Merchant X Returned POS Debit Card X ATM Withdrawal X ATM Withdrawal Abroad X Correction DOM Cash Withdrawal ATM X ATM Refund X Cash Withdrawal X Deposit on own account X Cash Deposit X Codification Annex ING Format Descriptions Strategic v1.0 16

17 Code Description NL IE BG Settlement cash withdrawal X Sealbag Deposit X Sealbag Deposit pre-credit X Sealbag Deposit correction X Sealbag Deposit actual amount X Settlement cash deposit X Cheque X Domestic Cheque X X Unpaid Domestic Cheque Cash Balancing Domestic Transaction X XB Cash Balancing transaction X X International Cash Sweeping transaction X X Multibank Funding & Sweeping transaction X X Alliance Bank CC transaction X X Cash Balancing transaction X X Virtual Bank Account Sweep Balance Regulation X Domestic Cash Balancing transaction X X X BMG cash balancing transaction X X X Codification Annex ING Format Descriptions Strategic v1.0 17

18 Code Description NL IE BG Miscellaneous (ING internal clients only) X Settlement instruction total invoice amount X X X Cost / Charges Other X Cost/Charges International Credit Transfer X Debit interest X X X Credit interest X X X Interest payout Term deposit Account X Interest payout Notice Savings account X Interest Set off transaction (Netting) X Rectification X Rectification Value Date X Rectification Cost/Charges X Recall Domestic Credit Transfer by ING X Recall Domestic Credit Transfer by 3rd bank X Recall SEPA Credit Transfer by ING X Recall SEPA Credit Transfer by 3rd bank X X Recall International Credit Transfer by ING X Recall International Credit Transfer by 3rd bank X Settlement Wholesale Banking X X Codification Annex ING Format Descriptions Strategic v1.0 18

19 The following set of codes are only applicable for Financial Institutions ( FI s) Code Description NL IE BG Loro account excessive balance maintenance X International Credit Transfer RTGS X International Credit Transfer Regulated X International Credit Transfer On Us X FI to FI On Us X FI to FI X FI to FI RTGS X FI to FI COV X FI to FI COV RTGS X Domestic Credit Transfer RTGS X Domestic Credit Transfer SHA X Recall Domestic Credit Transfer X Reject Domestic Credit Transfer X Codification Annex ING Format Descriptions Strategic v1.0 19

20 Appendix D ISO Return Reason codes (SCT/SDD)* The ISO return reason codes in the table below are applicable to: SEPA Credit Transfer (SCT) and/or SEPA Direct Debit (SDD) MT940 and MT942 ISO-Return reason Codes (SCT/SDD) Code Description SCT SDD AC01 Incorrect account number X X AC04 Account closed X X AC06 Blocked account X X AC13 Debtor account type is missing or invalid X X AG01 Transaction forbidden X X AG02 Invalid bank operation code X X AM04 Insufficient funds (only reported to debtor) X AM05 Duplication X X BE01 Debtor s name does not match account holder name X BE04 Creditor address missing or incorrect X BE05 Creditor identification incorrect X CNOR Creditor bank is not registered under this BIC in CSM X DNOR Debtor bank is not registered under this BIC in CSM X FF01 Operations/transaction code incorrect, invalid file format X X FF05 Direct Debit Type Incorrect X FOCR Return following a cancellation request X MD01 No mandate X MD02 Missing or Incorrect Mandatory Mandate Information X MD06 Return of funds requested by end customer X MD07 End customer deceased X X MS02 Reason has not been specified by end customer X X MS03 Reason has not been specified by Agent X X RC01 Bank identifier incorrect X X RR01 Regulatory reason X X RR02 Specification of debtor's name and/or address needed for reasons of regulatory requirements is insufficient or missing RR03 Missing creditor name or address X X RR04 Regulatory reason X X SL01 Due to specific services offered by debtor agent X TM01 File received after Cut-off Time X X X Codification Annex ING Format Descriptions Strategic v1.0 20

21 * Ensure the above listed ISO Return Reason codes can be handled by your IT system. For the most recent list of reason codes see Codification Annex ING Format Descriptions Strategic v1.0 21

22 Appendix E Appendix ISO Return Reason codes (Other)* The ISO return reason codes in the table below are generic codes that can occur in payment processing, including SEPA transactions. ISO-Return reason Codes (Other) Code Description AC03 AGNT AM01 AM02 AM06 AM07 AM09 AM10 ARDT BE06 CURR CUST CUTA DT01 ED01 ED03 ED05 EMVL MD04 MD05 NARR NOAS NOOR PINL PY01 RC07 RF01 SL02 SVNR InvalidCreditorAccountNumber Incorrect agent ZeroAmount NotAllowedAmount TooLowAmount BlockedAmount WrongAmount InvalidControlSum AlreadyReturnedTransaction UnknownEndCustomer IncorrectCurrency RequestedByCustomer Cancelation requested because an investigation has been requested and no remediation is possible InvalidDate CorrespondentBankNotPossible BalanceInfoRequest SettlementFailed EMV Liability Shift Invalid Fileformat Creditor/creditor's agent should not have collected the DD Narrative NoAnswerFromCustomer NoOriginalTransactionReceived PIN Liability Shift Correspondent bank not possible InvalidCreditorBICIdentifier NotUniqueTransactionReference Specific Service offered by Creditor Agent ServiceNotRendered Codification Annex ING Format Descriptions Strategic v1.0 22

23 Code TECH XT78 XT79 XT80 Description Technical problems resulting in erroneous SDD's Check on compensation amount in refunds failed Debtor agent not allowed to receive DD Credit agent not allowed to send DD XT87 R-Message not following same DP route / sending DP not identical to instructing / instructed agent of the original transaction * Ensure the above listed ISO Return Reason codes can be handled by your IT system. For the most recent list of reason codes see Codification Annex ING Format Descriptions Strategic v1.0 23

24 More information For more information about the ING Format Description Structured MT940 & MT942 and/or Camt.052 & Camt.053 please contact your ING account manager Codification Annex ING Format Descriptions Strategic v1.0 24