Implementation guide UTLI. Cross-border payments. Version

Transcription

1 UTLI Cross-border payments Version Publishing date 13 December 2017

2 Table of contents 1 INTRODUCTION History FILE DESCRIPTION Record description - overview Field content overview RECORD ORDER WHEN REPORTING STATUS PAYMENT DATE CREDIT NOTES, ONLY FROM ACCOUNT IN HANDELSBANKEN SWEDEN PAYMENTS IN EQUIVALENT AMOUNT, ONLY FROM SEK ACCOUNT IN HANDELSBANKEN SWEDEN MONITORING DATE, CREDIT NOTES IMPLEMENTATION GUIDE Record type 0 Ordering party record Record type 2 Name record Record type 3 Address record Record type 4 Bank record Record type 5 Credit note record, only from account in Sweden Record type 6 Payment record Record type 7 Central bank record with debit account Record type 6 Payment record, additional record Record type 7 Central bank record, additional record Record type 9 Reconciliation record COUNTRY SPECIFIC INFORMATION FOR CROSS-BORDER PAYMENTS Debit Account DEBIT ACCOUNT - HANDELSBANKEN DEBIT ACCONT HELD IN OTHER BANKS Beneficiary account and Beneficiary s bank BENEFICIARY ACCOUNT BENEFICIARY S BANK Reference/Message to the beneficiary MESSAGE TO BENEFICIARIES IN CHINA HANDELSBANKEN POLAND HANDELSBANKEN SWEDEN HANDELSBANKEN OTHER COUNTRIES AND OTHER BANKS EUR payments within Europe (SEPA Credit Transfer) Payment-/Currency register-/central bank code FRANCE LATVIA NORWAY SWEDEN Allocation of fees within EU/EEA Payments in CNY offshore to Mainland China EXAMPLES China Denmark UTLI format Cross-border payments Page 2 (33)

3 5.3 Estonia Finland France Germany Great Britain Hong Kong Latvia Lithuania Luxembourg The Netherlands Norway Poland Singapore Sweden USA UTLI format Cross-border payments Page 3 (33)

4 1 Introduction Handelsbanken implementation guidelines will describe the contents of cross-border payments in Handelsbanken UTLI format. In the first part of the document you will find a description of the format. After the format description you will find country specific information. It is currently possible to make cross-border payments from Handelsbanken: China Great Britain Norway Denmark Hong Kong Poland Estonia Latvia Singapore Finland Lithuania Sweden France Luxembourg USA Germany Netherlands 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 contact your debtor agent for information regarding how to state your debtor account. All component services within outgoing payments must have a separate agreement with Handelsbanken. Generally, it is important that the records are in the order described below. If the records are in a different order or if a mandatory record is missing, the entire section will be rejected. This description is unique for Handelsbanken services and can therefore only be used in co-operation with Handelsbanken. More information about cross-border payments can be obtained from your local branch office. UTLI format Cross-border payments Page 4 (33)

5 1.1 History Implementation guide At Handelsbanken, changes to version numbers are made according to the following guidelines. The original version is 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 New rules for allocation of fees within EU/EES according to PSD2 regulation, see chapter GB: National Bank ID not allowed for beneficiary bank New codes for payments to beneficiaries in Mainland China Cheque is no longer available as payment type from Luxembourg BIC is optional if Ordering parties or Beneficiary s account number is stated as an IBAN Updated due to the handle of equivalent amount Update due to changes in country specific information regarding Luxembourg. Do not have to enter Central bank code Update due to changes in country specific information regarding China Update due to PSD - Urgent payment not applicable for debit accounts in Handelsbanken SE for EUR payments within the EU/EEA, Switzerland and Monaco or for SEK payments within Sweden Accepted minimum value for the field Invoice amount in Record type 6 Payment record is changed from >0 to = Clarification Remittance code T=Urgent payment should not be used for debit accounts in Handelsbanken CN, HK, SG, US and GB Monitoring date for credit notes can be stated for a maximum of 13 months ahead New country Possible to order payments from account in Handelsbanken Lithuania. Allocation of fees, updated information due to PSD New countries Possible to order payments from account in Handelsbanken China, Estonia and Latvia New version management New version number SEPA (Single Euro Payment Area) - new reference fields New country - Possible to order payments from account in Handelsbanken France. Payment code/central bank reports, updated information 2007 June 2007 June Changed country specific information for IBAN/BIC/National Bank ID Nov 2006 Nov Possible to order payments from account in Other banks. UTLI format Cross-border payments Page 5 (33)

6 Older -versions Please contact your local branch concerning older versions. UTLI format Cross-border payments Page 6 (33)

7 2 File description 2.1 Record description - overview Generally, it is important that the records are in the order described below. If the records are in a different order or if a mandatory record is missing, the entire section will be rejected. For record order when reporting see page 6. Record type 0 Ordering party Record type 2 Name Beneficiary 1 Record type 3 Address Beneficiary Strasse 2 Berlin DE 0 B Record type 4 Bank DE DEUTDEFF BP Record type 5 Credit note, only from account in Sweden Referens EUR Record type 6 Example payment incl. invoice amount and ordering party s own counter value Reference EUR Record type 6 Example payment incl. equivalent amount (invoice amount always set to zero) Reference EUR Record type 7 Central bank and debit account D SE TRANS-ID reporting Record type 9 Reconciliation Record type 9 Reconciliation incl. total equivalent amount (total invoice amount always set to zero) UTLI format Cross-border payments Page 7 (33)

8 2.2 Field content overview Implementation guide ORDERING PARTY RECORD, RT 0 CREDIT NOTE RECORD, beneficiary, RT 5 1 M Record type = 0 1 M Record type = M Ordering party ID 2-8 M Beneficiary ID N Production date 9-33 M Reference/message N Ordering party s name O Own internal counter value N Ordering party s address N Blank M/N General payment date* M Currency code, ISO 79 M Layout, code = M/N Last monitoring date* 80 N Blank N Blank M Credit note amount NAME RECORD, beneficiary, RT N Blank 1 M Record type = M Beneficiary ID PAYMENT RECORD, invoice, RT M Name field 1 1 M Record type = O Name field M Beneficiary ID N Blank 9-33 M Reference/message O Ordering party s internal counter value or equivalent amount in SEK. Can be se to 0 (zero). ADDRESS RECORD, beneficiary, RT N Blank 1 M Record type = M Currency code, ISO 2-8 M Beneficiary ID M/N Payment date* 9-38 M Address field N Blank M Address field M Invoice amount 74 N Blank N Blank M Beneficiary country code, ISO 77 N Blank CENTRAL BANK RECORD, debit account no, RT 7 78 M Allocation of fees, code 1 M Record type = 7 79 M Remittance method, code 2-8 M Beneficiary ID 80 N Blank 9-12 M/N Central bank code** M/N Additional information BANK RECORD, beneficiary, RT 4 21 M Special terms, code = D 1 M Record type = M Country code debit acc, ISO 2-8 M Beneficiary ID M Ordering party s account 9-43 M Beneficiary s account number N Blank M/O Bank connection, Nat. bank O Transaction ID M/O ID Bank connection, BIC M Bank Post, code = BP RECONCILIATION RECORD, RT 9 1 M Record type = M Ordering party ID M/O Ordering party s total internal counter value or total equivalent amount in SEK. Can be se to 0 * Payment date is entered either in RT 0 or RT N (zero). Blank B Monitoring date is entered either in RT 5 or RT M Hash total eb ** Payment- /Currency register- /Central bank code N Blank te av la UTLI nk format Cross-border payments Page 8 (33) Version in Publishing date December ni gn sg

9 2.2.1 RECORD ORDER WHEN REPORTING Record type (RT) , 6 and 7 Can be followed by record type (RT) 4 5 and 7, 6 and and 7, 6 and 7, 2, or slut STATUS Status Description M O M/O N M/N Mandatory field Optional field Mandatory field in certain cases, otherwise optional (see country specific information) Field not used Mandatory field in certain cases, otherwise not used PAYMENT DATE Payment date can be indicated in ordering party record, RT 0, or payment record, RT 6. If payment date is indicated in both record types, the date indicated in RT 6 will be used. Payment date can be stated for a maximum of 12 months ahead. Payment date can be exceeded with a maximum of 20 days. Then the payment will be executed the following business day. If payment date is exceeded with more than 20 days the payment will be rejected CREDIT NOTES, ONLY FROM ACCOUNT IN HANDELSBANKEN SWEDEN It is possible to send credit notes for Handelsbanken to monitor and set off against payments. For a credit note to be set off, it must reach Handelsbanken at the latest the day before the payment date. When there are one or more payments to the beneficiary, the credit notes will be fully or partly set off depending on the amount of the payment order. This continues until the monitoring period has expired. Anything remaining of the amount of the credit note on the final monitoring date is shown through the online banking services under: Cross-border payments/ Query and delete / Status: rejected. Unused and partially used credit notes are shown through the online banking services under: Cross-border payments/ Query and delete / Status: pending. Credit notes can t be sent in files including payments with equivalent amount. UTLI format Cross-border payments Page 9 (33)

10 2.2.5 PAYMENTS IN EQUIVALENT AMOUNT, ONLY FROM SEK ACCOUNT IN HANDELSBANKEN SWEDEN If an invoice is in SEK but you want to pay in another currency, you don t need to make the conversion yourself. This can be done automatic, provided that: Set the SEK invoice amount in the field for equivalent amount and 0 (zero) as invoice amount. In the field for currency you specify the currency in which you want to send the payment. The SEK amount will be recalculated to the other currency according to current exchange rate. Files with payments in equivalent amount can t include regular invoice payments or credit notes. Please note that payments in equivalent amount are only applicable for payments from SEK accounts in Handelsbanken Sweden MONITORING DATE, CREDIT NOTES Monitoring date can be indicated in ordering party record, RT 0, or in credit note record, RT 5. If monitoring date is indicated in both records, the one indicated in RT 5 will be used. Monitoring date can be stated for a maximum of 13 months ahead. Monitoring date can be exceeded with a maximum of 20 days, but Handelsbanken will change the monitoring date 30 days ahead. If the date is exceeded with more than 20 days the credit note will be rejected. UTLI format Cross-border payments Page 10 (33)

11 3 Implementation guide 3.1 Record type 0 Ordering party record Mandatory first record for each new ordering party or section with the same ordering party. Status Position Length Contents Comments M Fixed value. M Ordering party ID Mandatory data. N Production date Not used. N Ordering party s name Not used. N Ordering party s address Not used. M/N General payment date/monitoring date 7- or 8-digit bankgiro number, right-aligned, rest of field filled with zeros. Alternative: YYMMDD Blank M 79 1 Layout, code = 2 Mandatory data. N 80 1 Blank Not used. If a date is indicated here it will be used if payment date is not indicated in RT 6 or if no monitoring date is indicated in RT 5 USA: If the method of payment is Normal (only USA). 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 the date is passed it is moved forward (within certain limits) to the first available business day. Only layout code 2 can be used. 2 = 7- or 8-digit bankgiro number. UTLI format Cross-border payments Page 11 (33)

12 3.2 Record type 2 Name record Mandatory first record for each new beneficiary. Status Position Length Contents Comments M Fixed value M Beneficiary ID Mandatory data M Name field 1 Mandatory data Right-aligned, rest of field filled with zeros if necessary Unique alphanumeric identity for each beneficiary Beneficiary, name field 1 O Name field 2 Can be used when necessary N Blank Not used Beneficiary, name field 2 UTLI format Cross-border payments Page 12 (33)

13 3.3 Record type 3 Address record Mandatory second record for each new beneficiary. Status Position Length Contents Comments M Fixed value M Beneficiary ID Mandatory data Same ID as preceding RT 2 M Address field 1 Mandatory data M Address field 2 Mandatory data N 74 1 Blank Not used M Beneficiary country code Mandatory data N 77 1 Blank Not used M 78 1 Allocation of fees, code Mandatory data Complete address data: beneficiary street address Complete address data: beneficiary postal address incl. postal code Beneficiary s country code, ISO standard Alternative: M 79 1 Remittance method, code Mandatory data 0 = Each party pays its fees, this is the normal case (SHA) 1 = The beneficiary pays all fees (BEN) 9 = Ordering party pays all fees (OUR) See country specific information, chapter 4.6 Alternative: N 80 1 Blank Not used B = Normal payment T = Urgent payment (Not used for debit accounts in Handelsbanken CN, HK, SG, US and GB. Not applicable for debit accounts in Handelsbanken SE for EUR payments within the EU/EEA, Switzerland and Monaco or for SEK payments within Sweden.) C = Cheque payment (only from accounts in Handelsbanken GB and SE) UTLI format Cross-border payments Page 13 (33)

14 3.4 Record type 4 Bank record Implementation guide Optional third record for each new beneficiary. Must not be indicated for cheque payments/cash payments. Status Position Length Contents Comments M Fixed value M Beneficiary ID Mandatory data M Beneficiary s account number M/O Beneficiary s bank connection, National bank ID M/O Beneficiary s bank connection, BIC Same ID as preceding RT 2 Mandatory data Left-aligned Beneficiary account number, IBAN/BBAN If amount to be paid is in EUR it is mandatory to use IBAN within EU, EES and Switzerland but we also recommend to use IBAN to all countries that adopted IBAN as a standard. See country specific information Alternative 1: BIC see pos Alternative 2: National bank ID See country specific information BIC If BIC is used for cross-border payments to DE and GB, beneficiary s account number must be indicated as IBAN Optional if Beneficiary s account number is stated as an IBAN. See country specific information M Bank Post, code = BP Fixed value code BP = Indicates that a Bank record with a 35- position IBAN is used, and that the BIC and National bank ID is entered in the positions described above UTLI format Cross-border payments Page 14 (33)

15 3.5 Record type 5 Credit note record, only from account in Sweden Optional record. Status Position Length Contents Comments M Fixed value M Beneficiary ID Mandatory data Same ID as preceding RT 2 M Reference/message Mandatory data Reference/message to the beneficiary, e.g. credit note reference O Ordering party s internal counter value Optional data Only used for Cross-border payments from Sweden Ordering party s internal counter value in SEK Always indicated with two decimals and no decimal point See table* N Blank Not used M Currency code Mandatory data Currency code, ISO standard M/N Last monitoring date YYMMDD N Blank Not used If this information is blank or zero, monitoring date from RT 0 will be used M Credit note amount Mandatory data Indicate amount with a minus Minimum amount 0,10 (..01-) See table* N Blank Not used *Monitoring record for credit notes may only contend negative amounts. Last position in ordering party s internal counter value and credit note amounts are indicated as follows: Digit Indicate instead Digit Indicate instead 0 - (minus sign) 5 N 1 J 6 O 2 K 7 P 3 L 8 Q 4 M 9 R UTLI format Cross-border payments Page 15 (33)

16 3.6 Record type 6 Payment record Mandatory first record for each new payment order. Status Position Length Contents Comments M Fixed value M Beneficiary ID Mandatory data Same ID as preceding RT 2 M Reference/message Mandatory data O Reference/message to the beneficiary, e.g. invoice number If additional space is required, the field can be repeated See country specific information Only used for cross-border payments from Sweden. Ordering party s internal counter value in SEK Or Ordering party s internal counter value in SEK. Always indicated with two decimals and no decimal point. Used in combination with an invoice amount greater than 0 (zero). Optional to include. Or Equivalent amount N Blank Not used M Currency code Mandatory data M/N Payment date YYMMDD N Blank Not used The amount expressed in SEK the remitter want to send in other currency. Shall always be indicated with two decimals and without decimal point. Used in combination with an invoice amount set to 0 (zero). Currency code, ISO standard M Invoice amount Mandatory data N Blank Not used If this information is blank or zero, payment date from RT 0 will be used Alaways indicated with two decimals regardless of currency type but without the decimal point. If the file consists of payments in equivalent amount it shall be stated 0 (zero) in the entire field. UTLI format Cross-border payments Page 16 (33)

17 3.7 Record type 7 Central bank record with debit account Mandatory second record for each payment order. Status Position Length Contents Comments M Fixed value O/M Beneficiary ID Mandatory data M/N Payment-/ Currency register-/ Central bank code M/O/N Additional information to Central bank code Same ID as preceding RT 2 Mandatory for cross-border payments from Handelsbanken EE, FR, LV, NO and SE Must be left-aligned M 21 1 Special terms, code = D Mandatory M Country code for debit account M Ordering Party s account number See country specific information Only used for cross-border payments from accounts in NO See country specific information D = debit account, maximum 35 characters with start in position 24 Mandatory Country code for debit account according to ISO standard See country specific information Mandatory N Blank Not used Ordering party s debit account number Left-aligned, not filled with zeros See country specific information O Transaction ID Ordering parties unique own reference for the specific order. The reference will be sent to the beneficiary, if the payment fulfils the requirements of a euro payment within SEPA (Single Euro Payment Area). Otherwise the reference is the senders own reference and will not be forwarded to the beneficiary. Used for reporting if debit account is in Handelsbanken SE. If this information is not indicated, Handelsbanken allocates an ID in the form of a time stamp when the order arrives. UTLI format Cross-border payments Page 17 (33)

18 3.8 Record type 6 Payment record, additional record Additional record for extra reference/message fields for payment orders. Status Position Length Contents Comments M Fixed value M Beneficiary ID Mandatory data Same ID as preceding RT 2 M Reference/message Mandatory data Reference/message to the beneficiary Is repeated together with the following Central bank record N Blank Not used. Leave blank or 0 (zero) in the entired field. M Invoice amount = 0 Always = 0 (zero) N Blank Not used This field is used to identify that the record refers to an extra reference field 3.9 Record type 7 Central bank record, additional record Additional record for extra reference fields for payment orders. Status Position Length Contents Comments M Fixed value M Beneficiary ID Mandatory data Same ID as preceding RT 2 N Blank Not used UTLI format Cross-border payments Page 18 (33)

19 3.10 Record type 9 Reconciliation record Mandatory closing record for ordering party or section with the same ordering party. Status Position Length Contents Comments M Fixed value M Ordering party ID Mandatory data O Same ID as preceding RT 0 Mandatory if the file consists of payments with equivalent amount. Otherwise optional. Ordering party s total internal counter value in SEK Or Ordering party s internal counter value in SEK. Always indicated with two decimals and without decimal point. Sum of internal counter value from all RT 6 and all RT 5 within the section. Is reconciled if the amount is greater than 0 (zero). Se table below* Or Total Equivalent amount N Blank Not used M Hash total Mandatory data N Blank Not used Ordering party s equivalent amount. Always indicated with two decimals and without decimal point. Used in combination with an invoice amount set to 0 (zero). Sum of equivalent amounts from all RT 6 within the section. Is reconciled if the amount is greater than 0 (zero). Sum of invoice amounts from all RT 6 and credit notes from RT 5 within the section, regardless of currency type. Is reconciled in order for the section to be approved. Indicated with two decimals regardless of currency type but without decimal points. If the file consists of payments in equivalent amount it shall be stated 0 (zero) in the entire field. *If the reconciliation record contains a negative amount then the last position in ordering party s internal counter value (standard amount) and hash total amounts are indicated as follows: Digit Indicate instead Digit Indicate instead 0 - (minus sign) 5 N 1 J 6 O 2 K 7 P 3 L 8 Q 4 M 9 R UTLI format Cross-border payments Page 19 (33)

20 4 Country specific information for Cross-border payments 4.1 Debit Account Implementation guide Ordering party s account, i.e. account to be debited for the cross-border payments, and the country code of the country where the account is situated, are indicated in RT 7. Special terms = D DEBIT ACCOUNT - HANDELSBANKEN Country Country code BIC IBAN International Bank Account number China CN HANDCNSH Not available 10 characters BBAN Traditional Account number Denmark DK HANDDKKK 18 characters 11 digits incl clearing number Estonia EE HANDEE22 20 characters Not available Finland FI HANDFIHH 18 characters 14 digits incl clearing number France FR HANDFRPP 27 characters 23 digits Germany DE HANDDEFF 22 characters 10 digits Great Britain GB HANDGB22 22 characters 8 digits Hong Kong HK HANDHKKK Not available 10 digits Latvia LV HANDLV22 21 characters Not available Lithuania LT HANDLT2X 20 characters Not available Luxembourg LU HANDLULB 20 characters 8 digits Netherlands NL HANDNL2A 18 characters 10 digits Norway NO HANDNOKK 15 characters 11 digits incl clearing number Poland PL HANDPLPW 28 characters 26 digits Singapore SG HANDSGSG Not available 10 digits Sweden SE HANDSESS 24 characters 8 or 9 digits incl clearing number USA US HANDUS33 Not available 8 digits DEBIT ACCONT HELD IN OTHER BANKS Debit accounts held in other banks could be either an international bank account number, IBAN, or a traditional bank account number, BBAN. This must be stated according to agreement with the bank in point. Ordering party s account, i.e. account to be debited for the cross-border payments, and the country code of the country where the account is situated, are indicated in RT 7. Special terms = D. 4.2 Beneficiary account and Beneficiary s bank BENEFICIARY ACCOUNT Beneficiary 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 beneficiary account must be identified as BBAN. See for further information about how IBAN and BBAN are stated in different countries. UTLI format Cross-border payments Page 20 (33)

21 4.2.2 BENEFICIARY S BANK The beneficiary bank is to be identified preferably with BIC and when requested National bank ID. These should be entered consecutively without spaces, regardless of how they are written on the payment invoice. It is optional to identify the beneficiary bank if beneficiary account is stated as IBAN. In some countries the beneficiary bank may not have a BIC of its own. In these cases, a National bank Id can be specified and must be entered with no spaces and start with a two letter clearing national system code, see table below. Country Length of ID Description Australia AU + 6 digits Australian Bank State Branch Code (BSB) Canada CC + 9 digits Canadian Payments Association Payment Routing China CN + 12 digits CNAPS code Hong Kong HK + 6 digits Hong Kong National Clearing Code (CHATS) Russia RU + 9 digits Russian Central Bank Identification Code South Africa SC + 6 digits Sort Code USA FW + 9 digits ABA/Fed Wire Routing Number 4.3 Reference/Message to the beneficiary This is a free field where the remitter can enter an invoice number, a customer number and other references as well as information that may be needed by the beneficiary. If more space than the 25 positions available in RT 6 is required, you can continue to write references/messages after RT 7 in new payment records with amount fields set to zero. Every specific payment record must be followed by a central bank record. This means reporting every other record as a payment record or a central bank record. Thus the first payment record in the invoice will contain both the amount and the first reference field MESSAGE TO BENEFICIARIES IN CHINA For payments in CNY to beneficiaries in Mainland China the first line in the message to the beneficiary must contain one of the following codes: /CGODDR/ - indicating cross-border goods trade /CSTRDR/ - indicating cross-border service trade /CCTFDR/ - indicating cross-border capital transfer /CCDNDR/ - indicating charity donation /COCADR/ - indicating other current account transactions HANDELSBANKEN POLAND It is mandatory to enter a message to the beneficiary for cross-border payments 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 HANDELSBANKEN SWEDEN If the reference to the beneficiary is longer than 4x35 characters, there will be a link added to the field Message to the beneficiary, together with a code. The beneficiary will have access to the reference UTLI format Cross-border payments Page 21 (33)

22 information via this link. The remitter will receive the information in electronic documents in Handelsbanken online corporate banking service and by post HANDELSBANKEN OTHER COUNTRIES AND OTHER BANKS When the debit account is not in Handelsbanken Sweden, the payment order will be forwarded via SWIFT to the bank holding the debit account. Then maximum 4 X 25 characters can be included per payment order. This means that RT 6 and RT 7 can only be repeated three times per payment order. 4.4 EUR payments within Europe (SEPA Credit Transfer) This is only valid for EUR payments within the EU, EEA, Switzerland and Monaco. It is not possible to choose to make this type of payment; the bank will automatically classify the payment as a EUR payment within Europe (SEPA Credit Transfer) if following requirements are fulfilled. Currency must be EUR (no limits for the amount) Payment has to be within EU, EEA, Switzerland and Monaco. Beneficiary s account identification must be an IBAN Beneficiary Bank must be a SEPA Credit Transfer participant The Remittance method must be Normal payment. The Allocation of fees must be set to SHA; Each party pays its fees UTLI format Cross-border payments Page 22 (33)

23 4.5 Payment-/Currency register-/central bank code For certain payment orders from debit accounts in below countries, a report must be made to the central bank or similar. 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. The reporting must be according to the rules in the country where the debit account is held. Note that the code you report in RT 7, is the payment-/currency register-/central bank code for the country where the debit account is held. If payments are initiated from accounts held with other banks, reporting may apply. Please contact your local bank for further information FRANCE A central bank code must be entered for non-sepa cross-border payments exceeding a counter value in EUR 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 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 UTLI format Cross-border payments Page 23 (33)

24 4.5.2 LATVIA A central bank code must be entered when the payment exceeds a countervalue in EUR stipulated by the Bank of Latvia. For more information and a complete list of payment codes, please see of_external_payment_codes/$file/latbanklistextpaycod.pdf NORWAY Each separate payment through a Norwegian bank to a beneficiary domiciled outside Norway or to a bank outside Norway (in foreign currency or Norwegian kroner) must be reported to Toll og Avgiftsdirektoratet (TOD) by the intermediary bank. A list of the currency register codes is given below. We refer to the Norwegian customs and the Norwegian currency register law for further information. As a complement to the currency register code the reason for the payment must be written in RT 7, position 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 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. UTLI format Cross-border payments Page 24 (33)

25 4.5.4 SWEDEN Each individual payment via a Swedish bank to a beneficiary domiciled outside Sweden (in a foreign currency or in Swedish kronor) that exceeds a counter value stipulated by the National Tax Board (Riksskatteverket) must 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 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). 4.6 Allocation of fees within EU/EEA According to National implementation of the PSD2 regulation (Payment Service Directive), it is from the beginning of January 2018 no longer be possible to use OUR/BEN for cost sharing in cross border payments within EU/EEA, regardless of currency with or without exchange. The code for the allocation of fees in RT 3, position 78 should then be set to 0 (=SHA). The adoption of the PSD2 regulation in local law will be made at different dates in the European countries during 2018, please contact your local branch for more information. If the debit account of the cross border payment is in a country where PSD2 has entered into force, only the cost sharing SHA is allowed. For file transfers, Handelsbanken will automatically convert the cost sharing to SHA if OUR/BEN has been used, in accordance to the regulation. UTLI format Cross-border payments Page 25 (33)

26 4.7 Payments in CNY offshore to Mainland China For payments in CNY offshore to Mainland China, National bank Id together with BIC is mandatory. UTLI format Cross-border payments Page 26 (33)

27 5 Examples 5.1 China Normal cross-border from China to Sweden BENEFICIARY ROAD STOCKHOLM SE 0B SE HANDSESS BP INVOICE 123 CNY DCN TRANSREFCN Denmark Normal cross-border from Denmark to Sweden BENEFICIARY ROAD STOCKHOLM SE 0B SE HANDSESS BP INVOICE 123 DKK DDKDK TRANSREFDK Estonia Normal cross-border from Estonia to Sweden BENEFICIARY ROAD STOCKHOLM SE 0B SE HANDSESS BP INVOICE 123 EUR DEEEE TRANSREFEE Finland Normal cross-border from Finland to Denmark UTLI format Cross-border payments Page 27 (33)

28 BENEFICIARY ROAD COPENHAGEN DK 0B DK HANDDKKK BP INVOICE 123 EUR DFIFI TRANSREFFI France Normal cross-border from France to Finland Central bank reporting will be made BENEFICIARY ROAD HELSINKI FI 0B FI HANDFIHH BP INVOICE 123 EUR DFRFR TRANSREFFR Germany Normal cross-border from Germany to Great Britain BENEFICIARY ROAD LONDON GB 0B GB HANDGB22 BP INVOICE-123 EUR DDEDE TRANSREFDE UTLI format Cross-border payments Page 28 (33)

29 5.7 Great Britain Cheque payment ordered from Great Britain to beneficiary in Sweden BENEFICIARY ROAD STOCKHOLM SE 0C INVOICE 123 GBP DGBGB91HAND TRANSREFGB Hong Kong Normal cross-border from Hong Kong to Sweden BENEFICIARY ROAD STOCKHOLM SE 0B SE HANDSESS BP INVOICE 123 HKD DHK TRANSREFHK Latvia Normal cross-border from Latvia to Sweden Central bank reporting will be made BENEFICIARY ROAD STOCKHOLM SE 0B SE HANDSESS BP INVOICE 123 EUR DLVLV44HAND TRANSREFLV UTLI format Cross-border payments Page 29 (33)

30 5.10 Lithuania Normal cross-border from Lithuania to Sweden BENEFICIARY NAME BENEFICIARY ROAD BENEFICIARY TOWN SE 0B SE HANDSESS BP EUR DLTLT TRANS-ID REPORTING Luxembourg Normal cross-border from Luxembourg to Sweden BENEFICIARY ROAD STOCKHOLM SE 0B SE HANDSESS BP INVOICE 123 EUR DLULU TRANSREFLU The Netherlands Normal cross-border from the Netherlands to Sweden BENEFICIARY ROAD STOCKHOLM SE 0B SE HANDSESS BP INVOICE 123 EUR DNLNL58HAND TRANSREFNL UTLI format Cross-border payments Page 30 (33)

31 5.13 Norway Normal cross-border from Norway to the USA Reporting will be made to Toll og Avgiftsdirektoratet with additional information BENEFICIARY ROAD 1 SAN MATEO CA US 0B FW BP INVOICE 123 EUR RENT DNONO TRANSREFNO Poland Normal cross-border from Poland to Sweden BENEFICIARY ROAD STOCKHOLM SE 0B SE HANDSESS BP INVOICE 123 EUR DPLPL TRANSREFPL Singapore Normal cross-border from Singapore to Luxembourg BENEFICIARY ROAD LUXEMBOURG LU 0B LU HANDLULB BP INVOICE 123 EUR DSG TRANSREFSG UTLI format Cross-border payments Page 31 (33)

32 5.16 Sweden Urgent cross-border from Sweden to Gemany Central bank reporting will be made BENEFICIARY ROAD 1 FRANKFURT 3 DE 0T DE DEUTDEFF BP INVOICE 123 USD DSESE TRANSREFSE Normal cross-border from Sweden to Gemany Central bank reporting will be made Extra line for reference is used BENEFICIARY ROAD 1 FRANKFURT 3 DE 0T DE DEUTDEFF BP INVOICE , EUR DSESE TRANSREFSE CUSTOMER NO Normal cross-border from Sweden to Germany Central bank reporting will be made. Payment with equivalent amount and total equivalent amount BENEFICIARY ROAD 1 FRANKFURT 3 DE 0T DE DEUTDEFF BP INVOICE , EUR DSESE TRANSREFSE UTLI format Cross-border payments Page 32 (33)

33 5.17 USA Normal cross-border from the USA to Sweden BENEFICIARY ROAD STOCKHOLM SE 9B SE HANDSESS BP INVOICE 123 USD DUS TRANSREFUS UTLI format Cross-border payments Page 33 (33)