Cross-border payments in Germany

Cross-border payments in Germany The DTAZV format Version 1.0.0 Publishing date 4 April 2014

Table of contents 1 INTRODUCTION... 3 1.1 History... 3 2 INFORMATION ABOUT THE SERVICE... 4 2.1 Scenario: Cross-border payment... 4 3 FORMAT OVERVIEW... 5 3.1 Business rules... 5 3.2 Format structure... 5 4 IMPLEMENTATION GUIDELINE... 6 4.1 Data format rules... 6 4.1.1 SYMBOL DESCRIPTION OF THE FIELD STATUS... 6 4.2 Content and field description... 6 4.2.1 HEADER RECORD Q... 7 4.2.2 PAYMENT RECORD T... 9 4.2.3 TRAILER RECORD Z... 14 4.3 Business example... 15 4.3.1 BUSINESS EXAMPLE: CROSS-BORDER PAYMENT... 15 4.4 File example... 16 4.4.1 FILE EXAMPLE: CROSS-BORDER PAYMENT... 16 The DTAZV format - cross-border payments Page 2 (16) Version 1.0.0 Publishing date 2014-04-04

1 Introduction Handelsbanken s implementation guide DTAZV describes in detail the information that must be included in a message according to specification for cross-border payments from Handelsbanken Germany to an account in a foreign bank or to a local bank in a foreign currency. The description is specific to Handelsbanken s services and routines and may be used only when communicating with Handelsbanken. 1.1 History At Handelsbanken, changes to version numbers are made according to the following guidelines. The original version is 1.0.0. The last digit is moved up a digit when the format descriptions are changed, for example text clarifications and examples. The second digit is moved up a digit if minor changes are made to the format such as new countries or changes in the payment type. The first digit is moved up a digit (thus becoming a completely new version) if the format changes mean that the user will have to make adaptations in order to continue using the service. In this case, all users affected are informed of the new version and what the changes involve. Version Date Description 1.0.0 2014-04-04 First published version The DTAZV format - cross-border payments Page 3 (16) Version 1.0.0 Publishing date 2014-04-04

2 Information about the service This guide contains a description for cross-border payments. When communicating an DTAZV payment message a client is able to request cross-border payments from Handelsbanken Germany to an account in a foreign bank or to a local bank in a foreign currency. 2.1 Scenario: Cross-border payment Description: This scenario illustrates the process when a ordering party requests a cross-border payment from Handelsbanken Germany through Handelsbanken s Global Gateway. 1) Debtor compiles information to the payment 2) Debtor sends the payment to the bank 3) Bank receives requested payment 4) Bank accepts or rejects the payment 5) Rejected or pending payments can be found through Handelsbanken s online banking services 6) Bank executes requested payment Cross-border payment Customer Customer Bank Bank Customer compiles information for the payment Customer sends the payment to the bank Cross-border payment Bank receives the payment Information about rejected and pending payments are presented via GlobalOn-Line Bank accepts or rejects the payment Bank executes the payment The DTAZV format - cross-border payments Page 4 (16) Version 1.0.0 Publishing date 2014-04-04

3 Format overview This section contains a business oriented description of DTAZV payment format that is approved for communication with Handelsbanken. 3.1 Business rules Exceptions on field level for the Handelsbanken implementation of the DTAZV format are explicitly specified in the comment column in chapter 5. In communication with Handelsbanken, please pay attention to following rules: 1) For payments with due dates on Saturday, Sunday or other banking holidays, payment day will be moved to the closest following banking day. 2) Payment date can be stated for a maximum of 12 months ahead. 3) Payment date can be exceeded by a maximum of 20 days. In that case the payment will be executed the following banking day. If payment date is exceeded by more than 20 days the payment will be rejected. 4) Cheque payments will not be handled in this implementation. 5) Payments to a local account number (BBAN) must be followed by a BIC or National bank ID 3.2 Format structure In total a DTAZV cross-border payment consists of three records. All three of them must be used in order to create a payment. 1) Header Record (Record Q), contains mainly information about the ordering party. 2) Payment Record, (Record T), consists of generic information about the payment, one record for each individual payment 3) Trailer Record, (Record Z), contains information for reconciliation. 1..1 Header Record Record Q DTAZV Payment 1..999999 Payment Record Record T 1..1 Trailer Record Record E The DTAZV format - cross-border payments Page 5 (16) Version 1.0.0 Publishing date 2014-04-04

4 Implementation guideline This section consists of a technical descriptions of the message type as defined in the DTAZV format that are approved for use in communication with Handelsbanken. 4.1 Data format rules 1) Alphanumeric fields are left aligned filled with spaces 2) Numeric fields are right aligned filled with zeros 3) The length of record Q an Z are restricted to 256 bytes 4) The length of record T is restricted to 768 bytes 4.1.1 SYMBOL DESCRIPTION OF THE FIELD STATUS M= Mandatory O= Optional N= Not used A= Accepted but not acted upon If fields are marked with accepted but not acted upon values in these fields will be ignored by Handelsbanken. If values are filled in fields marked with not used the payment may be rejected. Please observe that some fields are mandatory in the Handelsbanken application but are optional in the original format description. 4.2 Content and field description This section contains the format description with the exceptions and additions required by Handelsbanken to ensure proper processing of the payments. In the original format it s possible to request cheque payments; this is not possible in communication with Handelsbanken. The information regarding cheque payments have been excluded from the format description below. The DTAZV format contains three records with necessary information to create a cross-border payment from Handelsbanken Germany. The DTAZV format - cross-border payments Page 6 (16) Version 1.0.0 Publishing date 2014-04-04

4.2.1 HEADER RECORD Q Description: Contains mainly information about the debtor. Field No. Field Name Length Position Type M/O Content Comment 1 Length of record 4 1-4 Num M Fixed value 0256 2 Type of record 1 5 Alpha M Fixed value Q 3 German bank code (BLZ) 8 6-13 Num M Financial institution receiving the file 4 Customer number 10 14-23 Num A Order number agreed with the financial institution receiving the file 5 Name and address of debtor 4*35 24-163 Alpha A Lines 1 and 2 : Name Line 3: Street/PO Box Line 4: City / town 6 Date of generation 6 164-169 Num M File creation date: YYMMDD 7 Serial number 2 170-171 Num A Daily serial number 8 (First) execution date of file 6 172-177 Num M Format: YYMMDD In communication with Handelsbanken it is possible to state payment date to a maximum of 12 months ahead. The DTAZV format - cross-border payments Page 7 (16)

9 To be sent to reporting authorities 1 178 Alpha N If report data of the payment orders should be sent to the Deutsche Bundesbank 'J' Yes 'N' No Not used 10 Federal state number 2 179-180 Num A Required if J in field Q9 11 Debtor s company number / bank code 8 181-188 Num A Required if J in field Q9 12 Reserved 68 189-256 The DTAZV format - cross-border payments Page 8 (16)

4.2.2 PAYMENT RECORD T Description: Contains detailed information of the payment. Field No. Field Name Length Position Type M/O Content Comment 1 Length of record 4 1-4 Num M Fixed value 0768 2 Type of record 1 5 Alpha M Fixed value T 3 German bank code (BLZ) 8 6-13 Num M Bank code of the bank section maintaining the account, to which order amount is to be debited (field T4b) Always 51420600 4a ISO currency code 3 14-16 Alpha M For account to which order amount is to be debited 4b Account number 10 17-26 Num M Account to be debited with order amount 5 Execution date of individual payment if deviating from field Q8 6 27-32 Num O Format: YYMMDD; If the date is absent in T5, the date in Q8 is assumed to be the execution date 6 German bank code (BLZ) 8 33-40 Num A Bank code of bank section maintaining the account to be debited with fees and expenses. 7a ISO currency code 3 41-43 Alpha A Currency code of the account to be debited with fees and expenses 7b Account number 10 44-53 Num A Account number of the account to be debited with fees and expenses The DTAZV format - cross-border payments Page 9 (16)

8 Beneficiary bank identification (BIC) or National bank ID, eg BLZ or Sort Code 11 54-64 Num M If the payment is made to a German financial institution, alternatively, also the German bank code of the beneficiary financial institution, in which case three slashes should precede the bank code It is not possible to enter an other ID, eg a Chip ID in this field. 9a 9b Country code of beneficiary's bank Address of beneficiary's bank 3 65-67 Alpha O Two-letter ISO-alpha country code as per country index for the balance of payments statistics; left aligned; third place blank 4*35 68-207 Alpha N Address of beneficiary's bank Not used Field No. Field Name Length Position Type M/O Content Comment 10a Country code for country of beneficiary 3 208-210 Alpha M Two-letter ISO-alpha country code as per country index for the balance of payments statistics; left aligned, third place blank 10b Beneficiary 4*35 211-350 Alpha M Lines 1 and 2: Name Line 3: Street Line four is mandatory for Handelsbanken Line 4: City / country 11 Order mark 2*35 351-420 Alpha N Only for check drawings Not used 12 Beneficiary account number or IBAN 35 421-455 Alpha M IBAN or account number of the beneficiary, left aligned, beginning with slash. 13 Order currency 3 456-458 Alpha M ISO code of currency payable 14a Amount (digits before decimal point) 14 459-472 Num M Right aligned The DTAZV format - cross-border payments Page 10 (16)

14b Amount (digits after decimal point) 3 473-475 Num M Left aligned 15 Details of payment 4*35 476-615 Alpha O Message to beneficiary 16 Instruction code 1 (as per Appendix 2) 17 Instruction code 2 (as per Appendix 2) 18 Instruction code 3 (as per Appendix 2) 19 Instruction code 4 (as per Appendixes 2 and 2a) 2 616-617 Num N 2 618-619 Num N Not used 2 620-621 Num N Not used 2 622-623 Num N Not used 20 Additional information on instruction code 25 624-648 Alpha N For example, telex, telephone number, cable address. Not used The DTAZV format - cross-border payments Page 11 (16)

Field No. Field Name Length Position Type M/O Content Comment 21 Fee rule 2 649-650 Num M 00 = fees debited to debtor third-party fees and expenses debited to beneficiary This field is mandatory for all payments 01 = all fees and expenses debited to debtor 02 = all fees and expenses debited to beneficiary 22 Code for type of payment 2 651-652 Num M 00 = Standard transmission (eg letter, standard SWIFT) 10 = Telex payment or urgent SWIFT 13= EU standard payment If the following conditions are fulfilled a normal payment will be executed as an EU Payment. The amount in EUR The amount is under EUR 50 000 The payment contains BIC and IBAN to beneficiary 11 = Urgent payment in euro on same day (EUE payment) is not possible to select 23 Variable text only for principal's settlement purposes 24 Name and telephone number and name of deputy, if any 27 653-679 Alpha O Senders reference. This is not forwarded; use T15 for data to be forwarded. 35 680-714 Alpha N Person to contact at debtor's company if paying bank/reporting authority has questions relating to payment order 25 Reporting code 1 715 Num N Only completed if the payment order data to be reported to the Deutsche Bundesbank are to be limited to statistical data The DTAZV format - cross-border payments Page 12 (16)

26 Reserved 51 716-766 Alpha N 27 Extension identifier 2 767-768 Num M Always 00 = No further report parts The DTAZV format - cross-border payments Page 13 (16)

4.2.3 TRAILER RECORD Z Field No. Field Name Length Position Type M/O Content Comment 1 Length of record 4 1-4 Num M Record length, fixed value 256 bytes 2 Type of record 1 5 Alpha M Fixed value Z 3 Sum total of all amounts (no decimal places) 15 6-20 Num M Sum of all amounts in field T14a (all currencies) 4 Number of T data records 15 21-35 Num M Number of T data records in the file 5 Reserve 221 36-256 The DTAZV format - cross-border payments Page 14 (16)

4.3 Business example In this section a business example of a DTAZV cross-border payment is presented. In this example fields necessary expressed from a functional point of view are stated. A corresponding file example is presented in below. 4.3.1 BUSINESS EXAMPLE: CROSS-BORDER PAYMENT This is an example of basic cross-border payment. Field name Value Comments Header record Q Length of record Type of record German bank code (BLZ) Name and address of debtor Date of generation (First) execution date of file Header record T 0256 Q 51420600 Company A Beltgens Strasse 2 20537 Frankfurt 090319 090325 Length of record 0768 Type of record T German bank code (BLZ) 51420600 ISO currency code USD Account number 8107023981 Debit account number Beneficiary bank identification (BIC) or National bank ID, eg BLZ or Sort Code Country code for country of beneficiary CITIUS33 US Beneficiary John Adams Park Lane 1 Boston 3424 Account number or IBAN of beneficiary /93169159 Must be preceded by a slash Order currency USD Amount (digits before decimal point) 10 The DTAZV format - cross-border payments Page 15 (16)

Field name Value Comments Header record Q Amount (digits after decimal point) 02 Details of payment Invoice no. 1 Fee rule 00 Fees are shared between the debtor and the beneficiary Code for type of payment 00 Normal payment Variable text only for debtor s purposes Customer 1 Extension identifier 00 Field name Value Comments Header record Z Length of record Type of record Sum of all amounts Number of T data records 0256 Z 10 1 4.4 File example This file example corresponds to the business example presented above. 4.4.1 FILE EXAMPLE: CROSS-BORDER PAYMENT In this section one basic file example of a cross-border payment is presented. Please note that the lines have been broken in order to fit in the document. 0256Q514206000000000000Company A Beltgens Strasse 2 20537 Frankfurt 09031901090325 0000000000 0768T51420600USD8107023981 00000000 0000000000CITIUS33 US John Adams 1 Park Lan e Boston 3424 /93169159 USD00000000000010020Invoice no. 1 00000000 0000Customer 1 0 00 0256Z000000000000010000000000000001 The DTAZV format - cross-border payments Page 16 (16)