Payment Instruction - File Specification This document describes the file layout which is used by our payments system to receive incoming payment instructions from other computer systems. The ordering company will be the company that is making the payment and the beneficiary is the company to whom the payment is being made. This file layout should be used for any payments being made other than BACS payments, as there is a different file layout for BACS payments. The basic payment types are; debiting your account with SHB London to credit a beneficiary anywhere in the world (an international payment), debiting your account with SHB London to credit a beneficiary in the UK via CHAPS (a CHAPS payment), debiting your account with SHB London to allow a cheque or draft to be issued to a beneficiary in the UK or anywhere in the world. Notes on the File Format The file layout must be provided in ASCII format, with each payment instruction on a different line, separated by a carriage return; Ascii Code 13 and Ascii Code 10. The format is fixed width, without any character separating individual fields, i.e. the account number will be the 13th to 28th characters in the line. Fields should be space filled to the field width. All fields should be left aligned unless otherwise stated. Fields marked in bold are mandatory.
Field Position Width Field Description Details BO8CLT 1-12 12 Client Identifier This must be the same on all payment instructions and is defined by the bank. B08ACC 13-28 16 Account Number The ordering companies account number to be debited, up to 16 characters long. B08NUM 29-7 Payment Number Not used B08REF 36-51 16 Customer Reference Your internal reference for the payment. BO8MTP 52-54 3 Message Type Always PMT B08PTY 55 1 Message Priority Not Used B08VLD 56-63 8 Value Date The date that the payment should be made in the format yyyymmdd, where yyyy=year, mm=month, dd=day of month, e.g. 19971231 is 31st December 1997. BO8CCY 64-66 3 Currency Code 3 character Swift currency code of the payment, e.g. GBP (Britain), SEK (Sweden), FIM (Finland), NOK (Norway), DKK (Denmark). A full list of other currency codes is attached B08AMT 67-81 15 Payment Currency Amount The amount of the payment, without a decimal point, in the actual currency of the payment. This should be right aligned and zero filled, i.e. 12.34 would be 000000000001234. B08LCY 82-84 3 Local Currency Code Not used B08LCA 85-99 15 Local Currency Amount Not used B08EXC 100-111 12 Local Currency FX Rate Not used B08MAT 112-119 8 Maturity Date Not used B08CHG 120-122 3 Charges Code "OUR" or BEN to indicate whether charges are for the ordering company (OUR) or the beneficiary (BEN). B08SWC 123-134 12 Swift Destination Not used BO8AD1 BO8AD2 BO8AD3 B08541 B08542 1-169 170-204 205-239 240-274 275-309 Company Addressee 1 Company Addressee 2 Company Addressee 3 Receivers Correspondent 1 Receivers Correspondent 2 The name and address of the ordering company 3 lines of Not used B08543 310-344 Receivers Correspondent 3 Post Code of the Beneficiary. B08591 345-379 Beneficiary Name Beneficiaries Name B08592 B08593 B08594 380-414 415-449 450-484 Beneficiary Address 1 Beneficiary Address 2 Beneficiary Address 3 Beneficiaries Address, this is mandatory for payments to the USA 3 lines of
B08570 485-519 Beneficiary Account No The account number must be preceded with / e.g. /123456 B08571 520-554 Beneficiary Bank Code The beneficiaries bank code. Except for Swift Codes, the code should be preceded by //SC for Sort Codes, //CH for CHIPS ID or //BL for Bank Leitzahl codes. B08572 B08573 B08574 555-589 590-624 625-659 Beneficiary Bank Add. 2 Beneficiary Bank Add. 3 Beneficiary Bank Add. 4 3 lines of B08701 660-694 Narrative 1 B08702 695-729 Narrative 2 B08703 730-764 Narrative 3 4 lines of B08704 765-799 Narrative 4 B08721 800-834 Sender to Receiver Inf. 1 B08722 8-869 Sender to Receiver Inf. 2 B08723 870-904 Sender to Receiver Inf. 3 B08724 905-939 Sender to Receiver Inf. 4 B08AUT 940-944 5 Authentication Result Not used The name and address of the beneficiaries bank. Details of the payment. Used to inform the beneficiary of the reason for the payment. Used to inform the bank of special instructions for the payment by means of specific code words (see following). B08PBK 945-945 1 Prebook Y/N If a payment is being paid in a cuurency other than the account currency and a rate has already been agreed set to Y, otherwise field can be N or blank B08PRF 946-970 25 Prebook Ref Enter the reference quoted when the prebooked FX rate was arranged B08BCT 971-973 3 Bank Code Type Optional can be derived from the beneficiary bank if a sort code or swift address is in the beneficiary bank., BSC for Sort code, SWC for Swift Code CHQ for Cheque OTH for Other B08CSW 974-985 12 Correspondent Bank This field is not mandatory and should only be completed where the beneficiary has requested that a specific Correspondent bank Swift/BIC be used. B08HOC 986-997 12 Head Office Swift Code This field is not mandatory and should only be completed where the Swift/BIC address for the beneficiary bank branch is unknown. The Swift/BIC of the beneficiary bank Head Office is usually located in the financial capital of the respective country and should only be entered in this field if
B08ISW 999-1009 B08SET 1010-1044 B08BTP 1045-1069 known. 12 Intermediary Swift address used SepaEToE Sepa End to End reference 25 SepaBenTpSecId Sepa Beneficiary ID type See list of types below B08SBN 1070-1104 B08SBS 1105-1129 B08SOR 1130-1164 Bo8cty 1165-1166 SepaBen Sepa Beneficiary ID 25 SepaOrigTpSecId Sepa originator ID type See list of types below SepaOrig Sepa originator ID 2 Country Code Country Code Specific code words for use in the Instructions to SHB London field B08721 to B08724 when preparing payments: /FAST/ For use with GBP only payments within the UK where the receiving Bank is registered to receive Faster Payments. /URGENT When a Euro payment, within the EEA, containing a valid IBAN Account number and SWIFT/BIC code is not to be sent via SEPA but effected with the same day value. /OURCHG/ To be used when you wish to pay all other Correspondent Bank charges. /HEADOFF/XXX To be used in conjunction with Beneficiary Bank Details Field when the Other button is selected and the Bank details are entered in free format text. The SWIFT address of the Beneficiary Bank's MAIN OFFICE located in the country of destination should be entered where XXX appears. Other examples for the use of this code word are as follows: 1) When Paying a Non-Domestic currency to a small branch of a Bank e.g. US$ to Credit Agricole in Lyon then the code word would be /HEADOFF/AGRIFRPP (Credit Agricole Paris). 2) Domestic US$ payments to America via a 9 digit Fed Wire, ABA or Routing number, the Bank Code line should be //FW followed by the 9 digits with the full Bank name and Address on lines 2,3 and 4. The code word should be /HEADOFF/BOFAUS3N.
Currency Codes This list of Currency Codes also contains the /HEADOFF/ code word to be used when a free format Beneficiary Bank name and address is used in field B08572 to B08574 for a domestic payment in the local currency. Currency Code Currency Name /HeadOff/ Code for free format Domestic Payments AUD Australian Dollars /HEADOFF/WPACAU2F CAD Canadian Dollars /HEADOFF/TDOMCATT CHF Swiss Francs /HEADOFF/UBSWCHZH80A DKK Danish Kronor /HEADOFF/HANDDKKK EUR European Currency Unit /HEADOFF/HANDDEFF GBP Sterling /HEADOFF/MIDLGB22 HKD Hong Kong Dollars /HEADOFF/HANDHKHH INR Indian Rupee /HEADOFF/GRNDINBB JPY Japanese Yen /HEADOFF/BOTKJPJT KWD Kuwait Dinar N/A MYR Malaysian Ringitts N/A NOK Norwegian Kronor /HEADOFF/HANDNOKK NZD New Zealand Dollars /HEADOFF/BKNZNZ22985 PKR Pakistan Rupee N/A PHP Philippine Peso N/A SAR Saudi Arabian Riyals N/A SEK Swedish Kronor /HEADOFF/HANDSESS SGD Singapore Dollars /HEADOFF/HANDSGSG THB Thailand Baht /HEADOFF/BKKBTHBK TWD New Taiwan Dollar N/A TRL Turkish Lira N/A USD US Dollars /HEADOFF/BOFAUS3N
SEPA Identification Types Type Code Text Beneficiary Originator AlnRegnNb Alien Registration Number Y N BkPtyId Bank Party Identification Y Y BEI Business Entitiy Identifier BEI Y Y BIC Bank Identification Code BIC Y Y CstmrNb Proprietary Identification Y N DrvrsLicNb Drivers License number Y N DtAndPlcOfBirth Date and Place of Birth Y N DUNS Data Universal Numbering system Y Y EANGLN Global Location Number Y Y IdntyCardNb Identity Card Number Y N IBEI International Business Entity Y Y Identifier MplyrIdNb Employer Identification number Y N OrgTaxIdNb Organisation Tax Identification Y Y Number OthrId Other Identification Y N PrtryId Proprietary Identification Y Y PrvtTaxIdNb Private Tax Identification Number Y Y PsptNb Passport Number Y N SclSctyNb Social Security Number Y N USCHU CHIPS Universal Identifier Y Y