ING Reference Guide. Structured MT940 & MT942
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1 ING Reference Guide Structured MT940 & MT942 (Version 4) Strategic InsideBusiness Connect InsideBusiness Payments InsideBusiness Payments CEE SwiftNet FIN SwiftNet FileAct EBICS
2 Document version history Version Date Changes First version applicable to Ireland Updated - Improvements for Ireland Added - Draft version for Bulgaria Updated - List of ING Transaction Codification Updated - Reporting of International Cash Sweeping transaction (ICS) Updated - Update reporting transaction code for Ireland and Bulgaria Updated - Content update Removed - ING Transaction Codification moved to separate annex ING Reference Guide Structured MT940 & MT942 v3.0 2
3 Introduction - Reference Guide for ING Group Structured MT940 & MT942 This Reference Guide is applicable to the ING Structured MT940 & MT942 format offered in Ireland and Bulgaria. This Reference Guide provides additional information on the presence of code words in Tag 86 linked to the ING Transaction Codifications. It specifies the code words that are provided in Tag 86 for each of the transaction types. Tag 86 contains additional information to the Account wner for a transaction reported in Tag 61. The structure of Tag 61 with a short description of the content and the length of each code word in Tag 86 is described in the ING Format Description Structured MT940 & MT942. Code words that are always reported in the MT940 & MT942 are indicated by an X in the tables. Code words that are optionally reported are indicated by an (optional). Whether an optional code word and sub field are visible in the MT940 & MT942 reporting depends on whether the corresponding information is supplied by the Debtor, the Creditor or the Counterparty Bank. The complete list of ING Transaction Codification can be found in the Codification Annex. ( separate document) Reference guide content The structure of Tag 86 is described for the various transaction types indicated in the table below Transaction type Ireland Bulgaria SEPA Credit Transfer SEPA Direct Debit International Credit Transfer Cash Management Cheque Domestic Credit Transfer (BGN) ther transaction types ING Reference Guide Structured MT940 & MT942 v3.0 3
4 Structure of Tag 86 for SEPA Credit Transfer (SCT) Description Code word Debtor Reporting Creditor Reporting Single Debit Global Debit R-message Credit Recall Return reason /RTRN/ - - X - X Client Reference /CREF/ End to End Reference /EREF/ - Payment Information ID /PREF/ Instruction ID /IREF/ Mandate Reference /MARF/ Creditor ID /CSID/ Counterparty Remittance Information /CNTP/ <Account Nr.>/ X - X X X <BIC>/ - <Name>/ X - X X X <City>/ /REMI/ <Code>/ X <Issuer>/ - <Remitt. info>/ X 1 Purpose code /PURP/ - Ultimate Creditor Ultimate Debtor /ULTC/ <Name>/ - <ID>/ - /ULTD/ <Name>/ <ID>/ Exchange rate /EXCH/ Charges /CHGS/ ) In case of a global debit, the number of transactions is reported in the unstructured remittance information. The format of the unstructured remittance for a global debit is: /REMI/USTD//Total <Number of Transactions> Transactions/ The ING Transaction Codification values that correspond with SEPA Credit Transfer reporting are: Debtor Reporting o Single Debit SEPA Credit Transfer Intra-company SEPA Credit Transfer ING In-house SEPA Credit Transfer Same Day Euro Credit Transfer Real Time o Global Debit SEPA Credit Transfer Batch SEPA Credit Transfer Batch Salary o R-Message Return SEPA Credit Transfer Reject Credit Transfer Salary ING Reference Guide Structured MT940 & MT942 v3.0 4
5 Creditor Reporting Single Credit SEPA Credit Transfer SEPA Credit Transfer Intracompany SEPA Credit Transfer ING In-house Recall Recall SEPA Credit Transfer by ING Recall SEPA Credit Transfer by 3 rd bank ING Reference Guide Structured MT940 & MT942 v3.0 5
6 Structure of Tag 86 for SEPA Direct Debit (SDD) Description Code word Debtor Reporting Debit R-message Return reason /RTRN/ - X Client Reference /CREF/ - - End to End Reference /EREF/ Payment Information ID /PREF/ - - Instruction ID /IREF/ Mandate Reference /MARF/ X X Creditor ID /CSID/ X X Counterparty /CNTP/ Remittance Information <Account Nr.>/ X X <BIC>/ <Name>/ X X <City>/ - - /REMI/ <Code>/ <Issuer>/ <Remitt. info>/ Purpose code /PURP/ Ultimate Creditor /ULTC/ Ultimate Debtor <Name>/ <ID>/ /ULTD/ <Name>/ <ID>/ Exchange rate /EXCH/ Charges /CHGS/ - - The ING Transaction Codification values that correspond with SEPA Direct Debit reporting are: Debtor Reporting Single Debit SEPA Direct Debit Core transaction SEPA Direct Debit B2B tranaction R-Message Refund Authorised SEPA Direct Debit Core Reversal SEPA Direct Debit Core Refund Unauthorised SEPA Direct Debit Core Reversal SEPA Direct Debit B2B Refund Unauthised SEPA Direct Debit B2B ING Reference Guide Structured MT940 & MT942 v3.0 6
7 Structure of Tag 86 for International Credit Transfer Description Code word Debtor Reporting Creditor Reporting Debit / Credit Return reason /RTRN/ - - Client Reference /CREF/ - - End to End Reference /EREF/ Payment Information ID /PREF/ - - Instruction ID /IREF/ Mandate Reference /MARF/ - - Creditor ID /CSID/ - - Counterparty Remittance Information Credit /CNTP/ <Account Nr.>/ X X <BIC>/ <Name>/ <City>/ /REMI/ <Code>/ <Issuer>/ - - <Remitt. info>/ 1 1 Purpose code /PURP/ Ultimate Creditor Ultimate Debtor /ULTC/ <Name>/ - <ID>/ - /ULTD/ <Name>/ - <ID>/ - Exchange rate /EXCH/ Charges /CHGS/ 1) The tag starts with the unstructured remittance information followed by the intermediary agent BIC, if applicable. Agents are intermediate Banks that provide us with access to the local payment system in each country. The format of the remittance information is: /REMI/USTD//<Remittance information>/ ING Reference Guide Structured MT940 & MT942 v3.0 7
8 The ING Transaction Codification values that correspond with International Credit Transfer reporting are: Debtor Reporting Single Debit International Credit Transfer ING In-house SHA International Credit Transfer ING In-house UR International Credit Transfer ING In-house BEN International Credit Transfer Intra-company SHA International Credit Transfer Intra-company UR International Credit Transfer Intra-company BEN International Credit Transfer SHA International Credit Transfer Urgent SHA International Credit Transfer UR International Credit Transfer Urgent UR International Credit Transfer BEN International Credit Transfer Urgent BEN R-Message Return International Credit Transfer Creditor Reporting Single Credit International Credit Transfer ING In-house SHA International Credit Transfer ING In-house UR International Credit Transfer ING In-house BEN International Credit Transfer Intra-company SHA International Credit Transfer Intra-company UR International Credit Transfer Intra-company BEN International Credit Transfer SHA International Credit Transfer Urgent SHA International Credit Transfer UR International Credit Transfer Urgent UR International Credit Transfer BEN International Credit Transfer Urgent BEN ING Reference Guide Structured MT940 & MT942 v3.0 8
9 Structure of Tag 86 for Cash Management Transactions Description Code word Cash Management Transaction Return reason /RTRN/ - Client Reference /CREF/ - End to End Reference /EREF/ Payment Information ID /PREF/ - Instruction ID /IREF/ - Mandate Reference /MARF/ - Creditor ID /CSID/ - Counterparty Remittance Information /CNTP/ <Account Nr.>/ <BIC>/ <Name>/ <City>/ /REMI/ X <Code>/ X <Issuer>/ - <Remitt. info>/ X 1 Purpose code /PURP/ - Ultimate Creditor Ultimate Debtor /ULTC/ <Name>/ - <ID>/ - /ULTD/ <Name>/ - <ID>/ - Exchange rate /EXCH/ Charges /CHGS/ - 1)The remittance information for Cash Management Transactions consists of a specification of the master account followed by the participant account. The accounts are in IBAN format. The account is preceded by an indication to specify the master account or participant account. This indication is ING Transaction Code specific and the format of the remittance information is for each of the ING Transaction Codes: XB Cash Balancing transaction (05001) and Alliance Bank CC transaction (05004): /REMI/USTD//PL-M <IBAN master account> PL-S <IBAN participant account> <ING Cash Management reference number> <Value Date> International Cash Sweeping transaction (05002): /REMI/USTD//ICSM-M <IBAN master account> ICSS-S <IBAN participant account> <ING Cash Management reference number> <Value Date> Multibank Funding & Sweeping transaction (05003): /REMI/USTD//(<ING Cash Management reference number>) T <IBAN master account> S <IBAN participant account> ING Reference Guide Structured MT940 & MT942 v3.0 9
10 Cash Balancing transaction (05005): /REMI/USTD//PL-M <IBAN master account> PL-S <IBAN participant account> <ING Cash Management reference number> <Value Date> The ING Transaction Codification values that correspond with Cash Management Transactions are: Cash Management Transactions XB Cash Balancing transaction International Cash Sweeping transaction Multibank Funding & Sweeping transaction Alliance Bank CC transaction Cash Balancing transaction Domestic Cash Balancing transaction BMG Cash Balancing transaction ING Reference Guide Structured MT940 & MT942 v3.0 10
11 Structure of Tag 86 for Cheques Description Code word Cheques Unpaid Cheque Credit Return reason /RTRN/ - - Client Reference /CREF/ End to End Reference /EREF/ Debit Payment Information ID /PREF/ - - Instruction ID /IREF/ Mandate Reference /MARF/ - - Creditor ID /CSID/ - - Counterparty Remittance Information /CNTP/ <Account Nr.>/ <BIC>/ <Name>/ X <City>/ /REMI/ <Code>/ <Issuer>/ - - <Remitt. info>/ Purpose code /PURP/ - - Ultimate Creditor Ultimate Debtor /ULTC/ <Name>/ - - <ID>/ - - /ULTD/ <Name>/ <ID>/ Exchange rate /EXCH/ Charges /CHGS/ - - The ING Transaction Codification values that correspond with Cheque reporting are: Cheques Cheques Unpaid Domestic Cheque ING Reference Guide Structured MT940 & MT942 v3.0 11
12 Structure of Tag 86 for Domestic Credit Transfer (BGN) Description Code word Debtor Reporting Credit Reporting Debit / Credit Credit Return reason /RTRN/ - - Client Reference /CREF/ - - End to End Reference /EREF/ 1 1 Payment Information ID /PREF/ - - Instruction ID /IREF/ Mandate Reference /MARF/ - - Creditor ID /CSID/ - - Counterparty Remittance Information /CNTP/ <Account Nr.>/ X X <BIC>/ <Name>/ X X <City>/ /REMI/ <Code>/ <Issuer>/ - - <Remitt. info>/ Purpose code /PURP/ - - Ultimate Creditor Ultimate Debtor /ULTC/ <Name>/ - - <ID>/ - - /ULTD/ <Name>/ - - <ID>/ - - Exchange rate /EXCH/ - - Charges /CHGS/ - - 1) The unique identification as assigned by ING for domestic credit transfers initiated in the IBP CEE channel is reported here The ING Transaction Codification values that correspond with Domestic Credit Transfer reporting are: Debtor Reporting Single Debit Domestic Credit Transfer Domestic Credit Transfer ING In-house Domestic Credit Transfer Tax Real Time Domestic Credit Transfer Tax Domestic Credit Transfer Same day Domestic Credit Transfer Real Time R-Message Return Domestic Credit Transfer Recall Domestic Credit Transfer by ING Recall Domestic Credit Transfer by 3 rd bank Creditor Reporting Single Credit Domestic Credit Transfer Domestic Credit Transfer ING In-house Domestic Credit Transfer Tax ING Reference Guide Structured MT940 & MT942 v3.0 12
13 Structure of Tag 86 for ther Transactions Description Code word ther Items Return reason /RTRN/ - Client Reference /CREF/ End to End Reference /EREF/ Payment Information ID /PREF/ - Instruction ID /IREF/ Mandate Reference /MARF/ - Creditor ID /CSID/ - Counterparty /CNTP/ Remittance Information <Account Nr.>/ <BIC>/ <Name>/ <City>/ /REMI/ <Code>/ <Issuer>/ <Remitt. info>/ Purpose code /PURP/ - Ultimate Creditor /ULTC/ Ultimate Debtor <Name>/ <ID>/ /ULTD/ <Name>/ <ID>/ Exchange rate /EXCH/ Charges /CHGS/ ING Reference Guide Structured MT940 & MT942 v3.0 13
14 More information For more information about the Reference Guide and/or ING Format Description Structured MT940 & MT942, please contact your ING account manager ING Reference Guide Structured MT940 & MT942 v3.0 14
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