ING Group CAMT Format Description

Transcription

1 ING Group CAMT Format Mijn ING Zakelijk The Netherlands June 2017 Document version 1.2

2 Document version history Version Date Change description Initial version New format with batch details added Changes new NVB regulation Appendix differences in PostallAddress deleted ING Group camt Format June 2017 Version 1.2 2

3 ISO standard message for electronic banking statements The camt Bank to Customer Statement is a standard ISO message for electronic banking reporting: end of day statements ( This document provides guidelines to enable companies to implement the Customer Statement Messages into their ERP/ Accountancy or Treasury packages as configured by ING. Reference guidelines camt.053 The Dutch camt.053 Implementation Guidelines as provided by the Dutch Banking Association (NVB) ( is taken as a reference. Please note: This format description is an addition to the current ISO camt Message Definition Report. The ISO Message Definition Report (MDR), Message Usage Guideline (MUG) and XML Schema can be downloaded from: For the Netherlands this format description is only applicable to EUR and FC current accounts. Only the Message Items with an ING specific content or items requiring extra explanation are mentioned in this document. As of April 2017 ING offers 2 different versions of the CAMT053. See appendix for the differences between both versions. ING Group camt Format June 2017 Version 1.2 3

4 Contents Explanation of terminology...5 Structure camt messages...6 Message item description...7 Message item contents Appendix ISO Transaction Codification Appendix ING Transaction Codification Appendix ISO Return Reason codes (SCT/SDD)* Appendix ISO Return Reason codes (Other)* Appendix Differences between CAMT053 XML and CAMT053 XML met batch details ING Group camt Format June 2017 Version 1.2 4

5 Explanation of terminology Notation The terminology below are frequently used and are important for the understanding of the Customer Account Report / Statement Messages. Notation ISO General Level Explanation The number of the XML Tag as stated in the ISO description of camt The number of the subfields as stated in the ISO description of camt This field indicates the level of each XML Tag within the according to the ISO description of camt * The asterisk refers to more details in chapter Message item contents. Message Item Multiplicity The name of the XML Tag written in full. "[n..m]" reflects the number of occurrences of the tag (minimum (n) and maximum (m)) according to the ISO description of camt The plus sign ( + ) refers to the subfields available in the camt structure. These subfields are not described in this format description as ING follows the NVB guidelines for camt.053. {Or Or} Amounts Date DateTime {Or..Or} after the concerned elements indicates that only one of the elements will be present. The decimal separator is a dot. The number of fractional digits (or minor unit of currency) complies with ISO Examples: <Amt Ccy= EUR > </Amt> <Amt Ccy= JPY > </Amt> All dates are reported as YYYY-MM-DD as specified in ISO 8601 and is an internationally agreed way to represent dates. Example: DateTime is always reported as specified in ISO 8601 (complete date plus hours, minutes, seconds and a decimal fraction of a second), unless mentioned otherwise. Format: YYYY-MM-DDThh:mm:ss.sTZD Example: T02:52: :00 Character set ING uses the UTF8 character set, except the (pipe) and { } (curly braces) character. ING Group camt Format June 2017 Version 1.2 5

6 Structure camt messages Structure of the messages The camt.053 is an end of day statement message. In Mijn ING Zakelijk a customer is able to select a specific account reporting period. A camt.053 statement file exists of one group header and at least one Statement (2.0 <Stmt>). Each Statement consists of booked and value balance information for one account. Two forward available (value) balances are delivered. By default, a camt.053 Statement will be delivered in case of no entries. Camt.053 Name Mult. 1.0 Group header Statement 0-n 2.23 Balance 0-n 2.76 Entry 0-n Entry details 0-n Batch Transaction details 0-n ING Group camt Format June 2017 Version 1.2 6

7 Message item description Group Header This segment is mandatory and occurs only once in a message. It contains common information for the message such as Message Identification and Creation Date Time. ISO General Level XML Tag Message Item Mult <GrpHdr> Group Header [1..1] <MsgId> * Message Identification [1..1] <CreDtTm> * Creation Date Time [1..1] Report / Statement This segment is mandatory and repetitive, in case multiple account reporting is selected. It will occur repeatedly for each account for which a report / statement is provided. The report / statement contains booked entries and balances. Depending on the chosen format batch details will be included in the report. See appendix with differences in versions. ISO General Level XML Tag Message Item Mult <Rpt> / <Stmt> Report / Statement [1..n] <Id> * Identification [1..1] <CreDtTm> * Creation Date Time [1..1] <FrToDt> From To Date [0..1] <FrDtTm> * From Date Time [1..1] <ToDtTm> * To Date Time [1..1] <Acct> Account [1..1] <Id> Identification [1..1] <IBAN> IBAN [1..1] {Or <Othr> Other [1..1] Or} <Id> Identification [1..1] <SchmeNm> Scheme Name [0..1] <Cd> Code [1..1] <Prtry> Proprietary [1..1] <Tp> Type [0..1] <Cd> * Code [1..1] <Ccy> Currency [0..1] <Svcr> Servicer [0..1] <FinInstnId> Financial Institution [1..1] Identification <BIC> * BIC [0..1] <Bal> * Balance [0..n] <Tp> Type [1..1] <CdOrPrtry> Code Or Proprietary [1..1] ING Group camt Format June 2017 Version 1.2 7

8 ISO General Level XML Tag Message Item Mult <Cd> * Code [1..1] <Amt> Amount [1..1] <CdtDbtInd> Credit Debit Indicator [1..1] <Dt> Date [1..1] <Dt> * Date [1..1] <TxsSummry> Transactions Summary [0..1] <TtlNtries> Total Entries [0..1] <NbOfNtries> Number Of Entries [0..1] <Sum> Sum [0..1] <TtlCdtNtries> Total Credit Entries [0..1] <NbOfNtries> Number Of Entries [0..1] <Sum> Sum [0..1] <TtlDbtNtries> Total Debit Entries [0..1] <NbOfNtries> Number Of Entries [0..1] <Sum> Sum [0..1] Entry This segment is optional. In case of a zero statement this segment will not be present. ISO General Level XML Tag Message Item Mult <Ntry> Entry [0..n] <NtryRef> Entry Reference [0..1] <Amt> * Amount [1..1] <CdtDbtInd> Credit Debit Indicator [1..1] <RvslInd> Reversal Indicator [0..1] <Sts> * Status [1..1] <BookgDt> Booking Date [0..1] <Dt> Date [1..1] <ValDt> Value Date [0..1] <Dt> Date [1..1] <AcctSvcrRef> * Account Servicer Reference [0..1] <BkTxCd> * Bank Transaction Code [1..1] <Domn> Domain [0..1] <Prtry> Proprietary [0..1] <Cd> * Code [1..1] <Issr> * Issuer [0..1] <AmtDtls> * Amount Details [0..1] <InstdAmt> Instructed Amount [0..1] <Amt> Amount [1..1] <CcyXchg> Currency Exchange [0..1] <SrcCcy> Source Currency [1..1] <XchgRate> Exchange Rate [1..1] ING Group camt Format June 2017 Version 1.2 8

9 Entry Details This segment is conditional, meaning if the "Entry" segment is reported, this segment will also be reported. This segments contains elements such as Batch and Transaction Details which provide details on the entry. ISO General Level XML Tag Message Item Mult <NtryDtls> Entry Details [0..1] Batch This segment is conditional and only reported in case of a batch booking. ISO General Level XML Tag Message Item Mult <Btch> Batch [0..1] <PmtInfId> Payment Information [0..1] Identification <NbOfTxs> Number Of Transactions [0..1] <TtlAmt> Total Amount [0..1] Transaction Details This segment is conditional, meaning it will only be reported in case of a single transaction or in case details of a batch are reported. ISO General Level XML Tag Message Item Mult <TxDtls> Transaction Details [0..n] <Refs> References [0..1] <PmtInfId> Payment Information [0..1] Identification <EndToEndId> End To End Identification [0..1] <MndtId> Mandate Identification [0..1] <Prtry> Proprietary [0..1] <Tp> * Type [1..1] <Ref> Reference [1..1] <AmtDtls> * Amount Details [0..1] <InstdAmt> Instructed Amount [0..1] <Amt> Amount [1..1] <CcyXchg> Currency Exchange [0..1] <SrcCcy> Source Currency [1..1] <XchgRate> Exchange Rate [1..1] <TxAmt> Transaction Amount [0..1] <Amt> Amount [1..1] <RltdPties> Related Parties [0..1] <Dbtr> * Debtor [0..1] ING Group camt Format June 2017 Version 1.2 9

10 ISO General Level XML Tag Message Item Mult <Nm> Name [0..1] <PstlAdr> Postal Address [0..1] <Id> Identification [0..1] <DbtrAcct> * Debtor Account [0..1] <Id> Identification [1..1] <IBAN> IBAN [1..1] {Or <Othr> Other [1..1] Or} <Id> Identification [1..1] <SchmeNm> Scheme Name [0..1] <Prtry> Proprietary [1..1] <Tp> Type [0..1] <Prtry> * Proprietary [1..1] <Ccy> Currency [0..1] <UltmtDbtr> Ultimate Debtor [0..1] <Nm> Name [0..1] <Id> Identification [0..1] <Cdtr> * Creditor [0..1] <Nm> Name [0..1] <PstlAdr> Postal Address [0..1] <Id> Identification [0..1] <CdtrAcct> * Creditor Account [0..1] <Id> Identification [1..1] <IBAN> IBAN [1..1] {Or <Othr> Other [1..1] Or} <Id> Identification [1..1] <SchmeNm> Scheme Name [0..1] <Prtry> Proprietary [1..1] <Tp> Type [0..1] <Prtry> * Proprietary [1..1] <Ccy> Currency [0..1] <UltmtCdtr> Ultimate Creditor [0..1] <Nm> Name [0..1] <Id> Identification [0..1] <Prtry> Proprietary [0..n] <RltdAgts> Related Agents [0..1] <DbtrAgt> * Debtor Agent [0..1] <FinInstnId> Financial Institution [1..1] Identification <BIC> BIC [0..1] <CdtrAgt> * Creditor Agent [0..1] ING Group camt Format June 2017 Version

11 ISO General Level XML Tag Message Item Mult <FinInstnId> Financial Institution Identification [1..1] <Purp> Purpose [0..1] <Cd> Code [1..1] <RmtInf> Remittance Information [0..1] <Ustrd> Unstructured [0..n] <Strd> Structured [0..n] <CdtrRefInf> Creditor Reference [0..1] Information <Tp> Type [0..1] <CdOrPrtry> Code Or Proprietary [1..1] <Cd> * Code [1..1] <Issr> * Issuer [0..1] <Ref> * Reference [0..1] <AddtlRmtInf> Additional Remittance Information [0..1] <RltdDts> Related Dates [0..1] <TxDtTm> Transaction Date Time [0..1] <RtrInf> Return Information [0..1] <Rsn> Reason [0..1] <Cd> * Code [1..1] <AddtlInf> Additional Information [0..n] <AddtlTxInf> Additional Transaction Information [0..1] ING Group camt Format June 2017 Version

12 Message item contents Group Header The following Message Item specifics are applicable to Group Header. 1.1 Message Identification <MsgId> Unique message identification assigned by ING. 1.2 Creation Date Time <CreDtTm> Format: YYYY-MM-DDThh:mm:ss.sTZD Example: T02:35: :00 Statement The following Message Item specifics are applicable to Statement. 2.1 Identification <Id> Unique identification number per statement, e.g Creation Date Time <CreDtTm> Format: YYYY-MM-DDThh:mm:ss.sTZD Example: T02:35: : From Date Time (5.1.0) <FrDtTm> The time representation in this message item must be interpreted as local time. Format: YYYY-MM-DDThh:mm:ss Example: T00:00: To Date Time (5.1.1) <ToDtTm> The time representation in this message item must be interpreted as local time. Format: YYYY-MM-DDThh:mm:ss Example: T23:59:59 ING Group camt Format June 2017 Version

13 2.10 Code (1.2.9) <Cd> Fixed value: CACC (Current Account) BIC (1.2.58) <BIC> INGB2A 2.23 Balance <Bal> The following types of balances are reported: 1) Previously Closed Booked balance (PRCD) Closing book balance of the account on the calendar day before the account reporting period. The opening booked balance for the new period has to be equal to this balance. 2) Opening Booked balance (OPBD) Book balance of the account at the beginning of the account reporting period. It always equals the closing book balance from the previous calendar day. 3) Closing Booked balance (CLBD) Balance of the account at the end of the account reporting period. It is the sum of the opening booked balance at the beginning of the period and all entries booked to the account during the account reporting period. 4) Closing Available balance (CLAV) Closing balance of amount of money that is at the disposal of the account owner on the date specified. Date is equal to the last day of the account reporting period. 5) Forward Available balance (FWAV) Forward available balance of money that is at the disposal of the account owner on the date specified. 2 Forward Available balances are reported. Date example: When the account reporting period is / , the balances will be reported with the following dates: - PRCD with date OPBD with date CLBD with date CLAV with date FWAV with date FWAV with date ING Group camt Format June 2017 Version

14 2.26 Code (to Balance) <Cd> PRCD (Previously Closed Booked) OPBD (Opening Booked) CLBD (Closing Booked) CLAV (Closing Available) FWAV (Forward Available) 2.36 Date (4.1.0) <Dt> This message item is present in case of all balances. Format: YYYY-MM-DD Example: Amount <Amt> Amount including currency code. Example: <Amt Ccy= EUR >123.00</Amt> 2.81 Status <Sts> Fixed value: BOOK Account Servicer Reference <AcctSvcrRef> Contains unique ING reference Bank Transaction Code <BkTxCd> In addition to the default ISO transaction codes (see Appendix - ISO Transaction Codification), the ING transaction code will be reported in the proprietary field Code <Cd> ING Transaction Codification (see Appendix - ING Transaction Codification). ING Group camt Format June 2017 Version

15 2.99 Issuer <Issr> Fixed value: ING Group Amount Details <AmtDtls> Only used for batches when the currency code of the delivered batch is not equal to the currency code in which the account report is presented. Entry Details The following Message Item specifics are applicable to Entry Details. No country specifics. Batch The following Message Item specifics are applicable to Batch Total Amount <TtlAmt> Only used for batches in the format with details. Transaction Details The following Message Item specifics are applicable to Transaction Details Type <Tp> Fixed value: Ordernummer Amount Details <AmtDtls> <InstdAmt> used for single transactions, when the currency code in which the transactions is initiated is not equal to the currency code in which the account report is presented, and used for details of a batch transaction. <TxAmt> used for single transactions in the format with details. ING Group camt Format June 2017 Version

16 2.201 Debtor <Dbtr> In case the booked entry is a credit transaction, the details of the counterparty will be reported in <Dbtr> and underlying message items. See appendix with differences in versions, for alternative reporting in case of an R-message Debtor Account <DbtrAcct> In case the booked entry is a credit transaction, the account details of the counterparty will be reported in <DbtrAcct> and underlying message items Proprietary (to Type ( )) <Prtry> Can contain value General or the name of a specific accounttype like Toprekening or Profijtrekening Creditor <Cdtr> In case the booked entry is a debit transaction, the details of the counterparty will be reported in <Cdtr> and underlying message items. See appendix with differences in versions, for alternative reporting in case of an R-message Creditor Account <CdtrAcct> In case the booked entry is a debit transaction, the account details of the counterparty will be reported in <CdtrAcct> and underlying message items Proprietary (to Type ( )) <Prtry> Can contain value General or the name of a specific accounttype like Toprekening or Profijtrekening. ING Group camt Format June 2017 Version

17 2.212 Debtor Agent <DbtrAgt> In case the booked entry is a credit transaction, the BIC of the counterparty s agent will be reported in the designated message item within <DbtrAgt>. See appendix with differences in versions, for alternative reporting in case of an R-message Creditor Agent <CdtrAgt> In case the booked entry is a debit transaction, the BIC of the counterparty s agent will be reported in the designated message item within <CdtrAgt>. See appendix with differences in versions, for alternative reporting in case of an R-message Code (to Creditor Reference Information) <Cd> In most situations SCOR (other values may occur) Issuer (to Creditor Reference Information) <Cd> In most situations ISO or CUR for Dutch Betalingskenmerk acceptgiro (other values may occur) Reference (to Creditor Reference Information) <Ref> Payment reference Code (to Return Information) <Ref> ISO Return Reason code (see Appendix - ISO Return Reason codes) Additional Transaction Information <AddtlTxInf> Next to free format text, this field may also contain a card number (CDNO), a card sequence number (CSNO), a transaction-id (TXID) or a store number (STID). Values are placed directly after the code and separated by //. If there is also free format text available, this will be placed at the beginning of the field, followed by the codes. There are no // at the beginning or the end of the content between the tags. Example: <AddtlTxInf>FreeFormatText//CDNO****765//CSNO001</AddtlTxInf> ING Group camt Format June 2017 Version

18 Appendix ISO Transaction Codification For complete ISO table and detailed description and usage of the codes see Domain Family Subfamily (subfamily code) ACMT ACOP VALD Value Date ADOP VALD Value Date MCOP ADJT Adjustments (Generic) INTR Interests (Generic) MDOP FEES Fees (Generic) CAMT ACCB SWEP Sweeping TOPG Topping ZABA Zero Balancing LDAS CSLN DDWN Drawdown PPAY Principal Payment MGLN DDWN Drawdown PPAY Principal Payment PMNT CCRD CAJT Credit Adjustments (Generic) CDPT Cash Deposit CWDL Cash Withdrawal DAJT Debit Adjustments (Generic) POSC Credit Card Payment POSD Point-of-Sale (POS) Payment - Debit Card SMRT Smart-Card Payment XBCW Cross-Border Cash Withdrawal CNTR BCDP Branch Deposit BCWD Branch Withdrawal CAJT Credit Adjustments (Generic) CDPT Cash Deposit CHKD Check Deposit CWDL Cash Withdrawal FCDP Foreign Currencies Deposit FCWD Foreign Currencies Withdrawal MSCD Miscellaneous Deposit TCDP Travellers Cheques Deposit TCWD Travellers Cheques Withdrawal ICCN ACON ACH Concentration ICDT BOOK Internal Book Transfer CHRG Charges (Generic) DMCT Domestic Credit Transfer ESCT SEPA Credit Transfer PRCT Priority Credit Transfer RRTN Reversal Due To Payment Return ING Group camt Format June 2017 Version

19 Domain Family Subfamily (subfamily code) PMNT (cont d) SALA Payroll/Salary Payment SDVA Same Day Value Credit Transfer STDO Standing Order XBCT Cross-Border Credit Transfer ICHQ BCHQ Bank Cheque CCHQ Cheque IDDT BBDD SEPA B2B Direct Debit ESDD SEPA Core Direct Debit OODD One-Off Direct Debit PADD Pre-Authorised Direct Debit PMDD Direct Debit UPDD Unpaid Direct Debit MCOP ADJT Adjustments (Generic) OTHR Other MCRD OTHR Other POSC Credit Card Payment POSP Point-of-Sale (POS) Payment SMCD Smart-Card Payment UPCT Unpaid Card Transaction MDOP ADJT Adjustments (Generic) CHRG Charges (Generic) OTHR Other RCCN ACON ACH Concentration CAJT Credit Adjustments (Generic) DAJT Debit Adjustments (Generic) RCDT BOOK Internal Book Transfer CAJT Credit Adjustments (Generic) 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 ING Group camt Format June 2017 Version

20 Appendix ING Transaction Codification The ING Transaction Codification list contains the current list of possible codes. A number of codes are country specific or for future reference. The ING Transaction codes are subject to change. Code Miscellaneous X SEPA Credit Transfer X SEPA Credit Transfer (paper) X SEPA Credit Transfer Intra-company X European Credit Transfer X SEPA Standing Order X SEPA Credit Transfer ING In-house SEPA ideal payment X SEPA E-invoice payment (FINBOX) 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 SEPA Credit Transfer (loan pay-off) X Return or Reject SEPA Credit Transfer X Return SEPA Credit Transfer Intra-company X Return SEPA Credit Transfer Same day X Return ideal X SEPA Credit Transfer Batch X SEPA Credit Transfer in Batch SEPA Credit Transfer Batch Salary X SEPA Credit Transfer in Batch Salary X ideal Merchant payment X ideal payment X Reject Domestic Multiple Credit Transfer X Return SEPA Credit Transfer Salary transaction X Domestic Credit Transfer X Domestic Credit Transfer (paper) X Domestic Credit Transfer (phone) X Domestic Credit Transfer (counter) X Domestic Standing Order X Domestic ideal payment X Domestic E-invoice payment (FINBOX) X Domestic Credit Transfer ING In-house Domestic Credit Transfer Tax ING Group camt Format June 2017 Version

21 Code Domestic Credit Transfer Intra-company Domestic Credit Transfer Same day X Domestic Credit Transfer Urgent (fax) X Domestic Credit Urgent (counter) X Domestic Credit Transfer Real Time Acceptgiro X Acceptgiro Storting X Domestic Credit Transfer from/to Savings Account X Lending Repayment / Drawdown X Funding Term Deposit Account Principal Payout Term Deposit Account Funding Notice Account Principal Payout Notice Account Return Domestic Credit Transfer X Return Domestic Standing Order X ideal (return) X Acceptgiro (return) X Domestic Credit Transfer Batch X Domestic Credit Transfer in Batch Domestic Credit Transfer in Batch Same day Domestic Credit Transfer in Batch Salary Domestic Credit Transfer Batch Salary International Credit Transfer X International Credit Transfer SHA International Credit Transfer OUR International Credit Transfer BEN International Credit Transfer (counter) X International Credit Transfer SHA (paper) X International Credit Transfer OUR (paper) X International Credit Transfer BEN (paper) X International Credit Transfer Same day X International Credit Transfer ING In-house SHA International Credit Transfer ING In-house OUR International Credit Transfer ING In-house BEN International Credit Transfer Intra-company SHA International Credit Transfer Intra-company OUR International Credit Transfer Intra-company BEN International Credit Transfer SHA International Credit Transfer Next day SHA International Credit Transfer Same day SHA International Credit Transfer OUR International Credit Transfer Next day OUR International Credit Transfer Same day OUR International Credit Transfer BEN International Credit Transfer Next day BEN International Credit Transfer Same day BEN ING Group camt Format June 2017 Version

22 Code Correction International Credit Transfer Domestic Direct Debit transaction Reject Domestic Direct Debit SEPA Direct Debit Batch X SEPA Direct Debit X SEPA Direct Debit Core Batch X SEPA Core Direct Debit transaction One Off SEPA Core Direct Debit transaction First SEPA Core Direct Debit transaction Recurrent SEPA Core Direct Debit transaction Last SEPA Direct Debit Core X SEPA Direct Debit Core One Off X SEPA Direct Debit Core First X SEPA Direct Debit Core Recurrent X SEPA Direct Debit Core Last X SEPA Direct Debit B2B Batch X SEPA Direct Debit B2B transaction One Off SEPA Direct Debit B2B transaction First SEPA Direct Debit B2B transaction Recurrent SEPA Direct Debit B2B transaction Last SEPA Direct Debit B2B transaction X SEPA Direct Debit B2B transaction One Off X SEPA Direct Debit B2B transaction First X SEPA Direct Debit B2B transaction Recurrent X SEPA Direct Debit B2B transaction Last X SEPA Direct Debit One Off X SEPA Direct Debit First X SEPA Direct Debit Recurrent X SEPA Direct Debit Last X SEPA Direct Debit Cor1 Batch SEPA Direct Debit Cor1 transaction X SEPA Direct Debit Cor1 transaction One Off X SEPA Direct Debit Cor1 transaction First X SEPA Direct Debit Cor1 transaction Recurrent X SEPA Direct Debit Cor1 transaction Last X Domestic Direct Debit batch X Domestic Direct Debit transaction X Refund Domestic Direct Debit Domestic Direct Debit batch (Government) X Domestic Direct Debit (Government) X Reject Domestic Direct Debit Batch X Reject SEPA Direct Debit Batch X Reject SEPA Direct Debit X Reject SEPA Direct Debit One Off X Reject SEPA Direct Debit First X Reject SEPA Direct Debit Recurrent X ING Group camt Format June 2017 Version

23 Code Reject SEPA Direct Debit Last X Reject SEPA Direct Debit Core One Off X Reject SEPA Direct Debit Core First X Reject SEPA Direct Debit Core Recurrent X Reject SEPA Direct Debit Core Last X Reject SEPA Direct Debit Core X Reject SEPA Direct Debit B2B X Reject SEPA Direct Debit B2B One Off X Reject SEPA Direct Debit B2B First X Reject SEPA Direct Debit B2B Recurrent X Reject SEPA Direct Debit B2B Last X Reject Domestic Direct Debit X Return SEPA Direct Debit X Return SEPA Direct Debit One Off X Return SEPA Direct Debit First X Return SEPA Direct Debit Recurrent X Return SEPA Direct Debit Last X Return SEPA Direct Debit Core X Return SEPA Direct Debit Core One Off X Return SEPA Direct Debit Core First X Return SEPA Direct Debit Core Recurrent X Return SEPA Direct Debit Core Last X Return SEPA Direct Debit B2B X Return SEPA Direct Debit B2B One Off X Return SEPA Direct Debit B2B First X Return SEPA Direct Debit B2B Recurrent X Return SEPA Direct Debit B2B Last X Refund SEPA Direct Debit X Refund SEPA Direct Debit One Off X Refund SEPA Direct Debit First X Refund SEPA Direct Debit Recurrent X Refund SEPA Direct Debit Last X Refund SEPA Direct Debit Core X Refund SEPA Direct Debit Core One Off X Refund SEPA Direct Debit Core First X Refund SEPA Direct Debit Core Recurrent X Refund SEPA Direct Debit Core Last X Reversal SEPA Direct Debit X Reversal SEPA Direct Debit One Off X Reversal SEPA Direct Debit First X Reversal SEPA Direct Debit Recurrent X Reversal SEPA Direct Debit Last X Reversal SEPA Direct Debit Core X Reversal SEPA Direct Debit Core One Off X Reversal SEPA Direct Debit Core First X Reversal SEPA Direct Debit Core Recurrent X ING Group camt Format June 2017 Version

24 Code Reversal SEPA Direct Debit Core Last X Refund unauth SEPA Direct Debit Core Reversal SEPA Direct Debit B2B X Reversal SEPA Direct Debit B2B One Off X Reversal SEPA Direct Debit B2B First X Reversal SEPA Direct Debit B2B Recurrent X Reversal SEPA Direct Debit B2B Last X Revocation SEPA Direct Debit X Revocation SEPA Direct Debit One Off X Revocation SEPA Direct Debit First X Revocation SEPA Direct Debit Recurrent X Revocation SEPA Direct Debit Last X Revocation SEPA Direct Debit Core X Revocation SEPA Direct Debit Core One Off X Revocation SEPA Direct Debit Core First X Revocation SEPA Direct Debit Core Recurrent X Revocation SEPA Direct Debit Core Last X Revocation SEPA Direct Debit B2B X Revocation SEPA Direct Debit B2B One Off X Revocation SEPA Direct Debit B2B First X Revocation SEPA Direct Debit B2B Recurrent X Revocation SEPA Direct Debit B2B Last X Refund Unauth SEPA Direct Debit B2B 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 Foreign Currency Coins Withdrawal (counter) X Sealbag Deposit Foreign Currency (bank notes) X Returned POS Debit Card X Point of Sale Abroad X FCY Mixed Withdrawal (counter) X ATM Withdrawal X ATM Withdrawal Abroad X Correction Dom Cash Withdrawal ATM X ATM Refund X Generic Cash Withdrawal ATM CreditCard X Cash Withdrawal X Withdrawal via Counter LCY Withdrawal via Counter FCY Withdrawal via CIT LCY Withdrawal via CIT FCY Deposit via CIT LCY ING Group camt Format June 2017 Version

25 Code Deposit via CIT FCY Deposit on own Account X Deposit on Third Party Account Deposit via Counter LCY Deposit via Counter FCY Cash Deposit X Settlement Cash Withdrawal Services Sealbag deposit X Sealbag deposit precredit X Sealbag deposit correction X Sealbag deposit actual amount X Settlement Cash Deposit Services Cheques X Traveler s Cheque X Bank Cheque Domestic Commercial Cheque International Commercial Cheque Unpaid Cheque Unpaid International Cheque Domestic Commercial Cheque Cash Balancing X Cash Balancing XB transaction X International Cash Sweeping transaction Multibank Funding & Sweeping transaction Alliance Bank CC transaction Cash Balancing transaction Balance Regulation X Domestic Cash Balancing transaction X BMG Cash Balancing transaction Settlements Other business lines Lending Drawdown Lending Repayment Documentary Collection Import Documentary Collection Export Letter of Credit Import Letter of Credit Export Bank Guarantee Issued Bank Guarantee Received Standby Letter of Credit Issued Standby Letter of Credit Received Foreign Exchange Transaction Miscellaneous (ING) X Cost/Charges X Cost/Charges X Cost/Charges International Credit Transfer X Fee X ING Group camt Format June 2017 Version

26 Code Credit/Debit Adjustment (general) Debit Interest X Credit Interest X Interest Term Deposit Account Interest Notice Account Netting X Netting Settlement Reversal Rectification X Rectification Value Date X Rectification Cost/Charges X Recall Domestic Credit Transfer by ING Recall Domestic Credit Transfer by 3rd bank Recall SEPA Credit Transfer by ING Recall SEPA Credit Transfer by 3 rd bank X ING Group camt Format June 2017 Version

27 Appendix ISO Return Reason codes (SCT/SDD)* The ISO return reason codes in the table below are applicable to: SEPA Credit Transfer and/ or SEPA Direct Debit ISO Return Reason codes Code 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 * Ensure the above listed ISO Return Reason codes can be handled by your IT system. For the most recent reason codes see ING Group camt Format June 2017 Version

28 Appendix ISO Return Reason codes (Other)* The ISO return reason codes in the table below are generic codes that can occur in payment processing, including SEPA transactions. ISO Return Reason codes Code AC03 AGNT AM01 AM02 AM06 AM07 AM09 AM10 ARDT BE06 CURR CUST CUTA DT01 ED01 ED03 ED05 EMVL MD04 MD05 NARR NOAS NOOR PI PY01 RC07 RF01 SL02 SVNR TECH XT78 XT79 XT80 Invalid creditor account number Incorrect agent Zero amount Not allowed amount Too low amount Blocked amount Wrong amount Invalid control sum Already returned transaction Unknown end customer Incorrect currency Requested by customer Cancelation requested because an investigation has been requested and no remediation is possible Invalid date Correspondent bank not possible Balance info request Settlement failed EMV liability shift Invalid file format Creditor/Creditor's agent should not have collected the DD Narrative No answer from customer No original transaction received PIN liability shift Unknown account Invalid creditor BIC identifier Not unique transaction reference Specific service offered by creditor agent Service not rendered 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 reason codes see ING Group camt Format June 2017 Version

29 Appendix Differences between CAMT053 XML and CAMT053 XML met batch details As of April 2017 ING offers two versions of the CAMT053 in Mijn ING Zakelijk. Next to the existing one, ING offers a new version called CAMT053 XML met batch details. The difference between the two versions are mentioned in the table below. Topic CAMT053 XML CAMT053 XML met batch details Content Booked transactions and balances History available 9 years 30 days Book transactions, balances and details of a batch transaction TransactionAmount* Available in 2.78 Available in 2.78 Amount, but also in TotalAmount (in case of a batch transaction) and TransactionAmount (in case of a single transaction) CreditorScheme Identification* R-messages* Available in (and subfields) Parties (debtor, creditor, debtor agent and creditor agent) reported according to the booked reversal. Available in Proprietary (and subfields) Parties (debtor, creditor, debtor agent and creditor agent) reported according to the original transaction. * CAMT053 XML met Batch details is according to the NVB Implementation guidelines version 2.0 (as of ).

30 More information More information about the camt.053 format description, please contact ING on (weekdays from 8.00h until 21.00h, Saturday from 9.00h until 17:00h) More information on the ING download formats