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SWIFT/MT940 --

Technical Manual

SWIFT/MT940
English version
December 2006

A Payments and Cash Management solution from


SWIFT/MT940
The MT940 Customer Statement Message is a standard SWIFT (Society for
Worldwide Interbank Financial Telecommunication) message for elec-
tronic banking statements. Many software packages are able to process
information stated in this international standard format. It is often called
an electronic banking statement.
This document provides companies with guidelines in such a way that
they can implement in their own systems a layout to be received from
ING Group via one of the available channels in the Netherlands, in this
case specifically ING Finstream, Girotel Zakelijk and Electronic Banking.
The present layout is based on SWIFT Standards FIN, Category 9, Cash
Management and Customer Status.

SWIFT/MT940, English version, December 2006 - 


Table of contents

1. Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

2. Message Structure Chart . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

3. Field Specifications . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

4. Field Layout . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
4.1 Message Header . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 
4.2 (:20:) Transaction Reference Number (TRN) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
4.3 (:21:) Related Reference . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
4.4 (:25:) Account Identification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
4.5 (:28C:) Statement Number . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
4.6 (:60:) Opening Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
4.7 (:61:) Statement Line . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
4.8 (:86:) Information to Account Owner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
4.9 (:62a:) Closing Balance (Booked Funds) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
4.10 (:64:) Closing Available Balance (Available Funds) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
4.11 (:65:) Forward Available Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
4.12 (:86:) Information to Account Owner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
4.13 Message Trailer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17

Annex A: Examples of financial statement of account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

Annex B: SWIFT character set . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20

Annex C: Transaction codes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21

Contact information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23

SWIFT/MT940, English version, December 2006 - 


1. Introduction
Product & channels information
With regard to the Netherlands, the MT940 format can be received from
ING via the following channels:

• ING Electronic Banking (EB)


• Postbank Girotel Zakelijk (GTZ)
• ING Finstream (FS)

Please note that EB provides Multibank functionality as well: Customer


statements can be received for other bank accounts (third party banks).
Since ING has no control (besides the header and trailer) over the con-
tents of these messages, please refer to the appropriate account holder
bank for more information on their message implementation of the
MT940. In the case that ING Bank acts as a third party bank, please con-
tact your account manager and ask for the appropriate information.

Channel specific account information


The following account information can be obtained through ING EB:

• bank statements for ING Bank EUR/FX accounts


• entries on ING Bank EUR/FX accounts and giro accounts
• book balances (opening and closing) on ING Bank EUR/FX accounts and
giro accounts
• value balance on ING Bank EUR accounts
• furthermore EB offers the functionality to export interest value ­balances
(current and future)

The following account information can be obtained through ING FS:

• bank statements for ING Bank EUR/FX accounts


• entries on ING Bank EUR/FX accounts
• book balances (opening and closing) on ING Bank EUR/FX accounts
• value balance on ING Bank EUR accounts

Postbank GTZ can receive account information from the following types
of account:

• Postbank giro accounts


• Postbank savings accounts
• Postbank investment funds
• Postbank securities accounts

The Postbank account information can include:

• book balance (opening and closing balance)


• entries (transactions)

SWIFT/MT940, English version, December 2006 - 


Remarks with regard to the document
This Message Implementation Guide (MIG) for the MT940-NL is intended
for computer departments of companies wanting to implement this
­message and also for their software suppliers.
The document focuses on the ING MT940 format description: this con-
tains the basis and the framework within which a Customer Statement
Message is defined by ING for the Dutch payment channels; you’ll find
the detailed format description in chapter 2, 3 and 4.
The annexes provide examples of customer statements (Annex A), a list
of the SWIFT character set (Annex B) and a list of all transaction codes
(Annex C).

Definition
The MT940 statement is sent by the account servicing institute to an
account owner or to a party authorised by the account owner to receive
the message. It is used to inform the account owner, or authorised party,
of the entries booked to the account, and to provide the owner with bal-
ance information on the account at a given point in time.

Principles & Basic assumptions


• a file can contain one or more messages
• a message covers one account
• a message covers one or more book days
• the user determines the file name

General comments:

• amount fields can be up to 15 positions (excluding the decimal ­separator,


comma)
• amount fields have no leading zeros, although amounts of less than one
currency unit do have a 0 before the decimal, for example: 0,89
• the number of decimal places depends on the currency, for example:

- EUR (Euro) 2 places


- TND (Tunisian Dinar) 3 places

SWIFT/MT940, English version, December 2006 - 


2. Message Structure Chart
Format Specifications for the MT940 Customer Statement Message: The
chart below shows the NL subset in the ING column of the international
MT940 standard in the SWIFT column. The MT940-NL differs in some
respects from the international standard. Details with regard to specific
ING usage opposed to the SWIFT standard are outlined in chapter 4. The
status in the first column can either be Mandatory or Optional.

Status Tag Name Repeat


Message Heading Section 1
M Header 1
M Header 2
O Header 3
Customer Statement Message Section 1-n
M 20 Transaction Reference Number
O 21 Related Reference
M 25 Account Identification
M 28C Statement Number/Sequence Number
M 60a Opening Balance
----->
Entries Section 1-n
O 61 Statement Line
O 86 Information to Account Owner
-----|
M 62a Closing Balance (Booked Funds)
O 64 Closing Available Balance (Available Funds)
----->
O 65 Forward Available Balance 1-n
-----|
O 86 Information to Account Owner
Message Trailer Section
M Trailer

The structure of an input message is as follows:


An input message for the SWIFT network is composed of up to 5 parts:
• basic header block
• application header block
• user header block (optional)
• text block
• trailers block

Header Text Trailer


Field a Field b

Component H1 Tag a: Tag b: Component T1


Component Hn Component a1 Component b1 Component Tn

The three header blocks and the trailers block are composed of compo-
nents which are not preceded by a field tag.
To assist legibility and printing, all records (except header & trailer) are
preceded by an identifier (tag) and closed with a CS2 (carriage return,
line feed, hex 0D0A).

SWIFT/MT940, English version, December 2006 - 


3. Field Specifications
Message Heading Section
Header 1: basic header block
Header 2: application header block
Header 3: user header block

Customer Statement Message Section


Field 20: Transaction Reference Number (TRN)
This field specifies the reference assigned by the Sender to unam-
biguously identify the message.

Field 21: Related Reference


If the MT 940 is sent in response to an MT 920 Request Message,
this field must contain the field 20 Transaction Reference Number
of the request message.

Field 25: Account Identification


This field identifies the account for which the statement is sent.

Field 28C: Statement Number/Sequence Number


This field contains the sequential number of the statement

Field 60a: Opening Balance


This field specifies, for the (intermediate) opening balance,
whether it is a debit or credit balance, the date, the currency and
the amount of the balance.

Entries Section
Field 61: Statement Line
This field contains the details of each transaction.

Field 86: Information to Account Owner


This field contains additional information on the trans-
action detailed in the preceding statement line and
which is to be passed on to the account owner.

Field 62a: Closing Balance (Booked Funds)


This field specifies, for the closing balance, whether it is a debit
or credit balance, the date, the currency and the amount of the
balance.

Field 64: Closing Available Balance (Available Funds)


This field indicates the funds which are available to the account
owner (if credit balance) or the balance which is subject to inter-
est charges (if debit balance).

Field 65: Forward Available Balance


This field indicates the funds which are available to the account
owner (if a credit or debit balance) for the specified forward
value date

SWIFT/MT940, English version, December 2006 - 


Field 86: Information to Account Owner
This field contains additional information on the statement as a
whole. It is to be passed on to the account owner.

Message Trailer Section


Trailer: unambiguously indicated end of message.

SWIFT/MT940, English version, December 2006 - 


4. Field Layout
This section describes each segment used in the ING MT940 Customer
Statement Message. The appropriate comments relevant to the ING sub-
set are indicated.

Notes:

1. Reading from left to right, in column one, the field tags descriptions
are shown, followed by the second column with the length indication
in SWIFT notation (see note 3), the third with the restricted indicator
(see note 2) and in the fourth specific data content is provided. Exam-
ple given:

Description Length * Content

2. The status indicator detailed in the third column, which directly relate
to the data content in the fourth column, may have two values:

• RESTRICTED* A field marked with an asterisk (*) in the third column


indicates that the listed content in column four is the
only content available for use with this field in this
message. If only one content description is provided,
this indicates a fixed value for this field

• OPEN All fields with variable data are considered open (no
asterisk in third column). Content description is pro-
vided in italic

3. The full rules for the notation of components inside messages and
fields can be found in the S.W.I.F.T. User Handbook. With regard to
notation the relevant SWIFT rules are:
• 9!a alphanumeric (SWIFT character set, Annex B) with exact length
• 9a alphanumeric (SWIFT character set, Annex B) with length up to
maximum
• 9!n numeric with exact length
• 9n numeric with length up to maximum
• Optional sub-fields are notated between brackets []
• For comparison the SWIFT notation is presented, where fields that
are not used are marked with a – sign, subfields that are not used are
struck, and subfields that have an alternate length are italic in the
ING column. Please note that for completeness Carriage Return/Line
Feed (CRLF) is notated as 2x (SWIFT notation does not)

4. Additional information: The tables are followed by ‘Field notes’ at field


level, which give examples of the segment described

SWIFT/MT940, English version, December 2006 - 


4.1 Message Header

-M 1 - Message Header 1
Function Export information
Description Length * Content
Export time 4!x * 0000
CS1 (space) 1!x * hex20
Export day 2!n * 01
* See note
Export address 12!x
*
Export number 5!n Starts at 00001, increment of 1 per message
*
CS2 (cr,lf) 2!x hex0D0A
Field Notes
The export address for GTZ: PSTBNL21XXXX
The export address for EB & FS: INGBNL2AXXXX

Example 0000 01INGBNL2AXXXX00001

-M1- Message Header 2


Function Import information
Description Length * Content
Import time 4!x * 0000
CS1 (space) 1!x * hex20
Import day 2!n * 01
*
Import address 12!x
* See note
Import number 5!n * Starts at 00001, increment of 1 per message
CS2 (cr,lf) 2!x * hex0D0A
Field Notes
The import address for GTZ: PSTBNL21XXXX
The import address for EB & FS: INGBNL2AXXXX

Example 0000 01INGBNL2AXXXX00001

- O 1 - Message Header 3
Function Message information
Description Length * Content
Message type 3!n * 940
CSI (space) 1!x * hex20
Message priority 2!n * 00
* hex0D0A
CS2 (cr,lf) 2!x
Field Notes
This optional header is always present in ING MT940 messages

Example 940 00

SWIFT/MT940, English version, December 2006 - 10


4.2 (:20:) Transaction Reference Number (TRN)

:20: - M 1 - Transaction Reference Number (TRN)


Function This field specifies the reference assigned by the Sender to unambigu-
ously identify the message
SWIFT notation 16x
ING usage   5x
Description Length * Description
Tag 4!x * :20:
Reference 5!x * See note

CS2 (cr,lf) 2!x * hex0D0A


Field Notes
The TRN may be the same or different for the separate messages of a statement consisting
of several messages

The reference for GTZ: GTZPB


The reference for EB&FS: INGEB

Example :20:INGEB

:20: Tag Transaction Reference Number (TRN)


INGEB ING Electronic Banking

4.3 (:21:) Related Reference

:21: - 01 - Related Reference


Function If the MT 940 is sent in response to an MT 920 Request Message, this
field must contain the field 20 Transaction Reference Number of the
request message
SWIFT notation 16x
ING usage -
Field Notes
Please note that ING does not support the usage of this field, however it might be provided
in a multibank scenario

4.4 (:25:) Account Identification

:25: - M 1 - Account Identification


Function This field specifies the reference assigned by the Sender to unambigu-
ously identify the message
SWIFT notation 35x
ING usage 14x
Description Length * Description
Tag 4!x * :25:
Account number 10!x
CS2 (cr,lf) 2x * hex0D0A
Field Notes

Example :25:0650014652

:25: Tag Account Identification


0650014652 ING account number

SWIFT/MT940, English version, December 2006 - 11


4.5 (:28C:) Statement Number

:28C: - M 1 - Statement Number


Function This field contains the sequential number of the statement, optionally
followed by the sequence number of the message within that state-
ment when more than one message is sent for one statement.
SWIFT notation 5n [/5n]
ING usage 5n [/5n] (see field note)
Description Length * Description
Tag  5!x * :28C:
Settlement number  5n
CS2 (cr,lf)  2!x * hex0D0A
Field Notes
* The sequence number is optional and ING does not support the usage of this field,
however it might be provided in a multibank scenario

Example :28C:4

:28C: Tag Statement Number


4 Statement number 4

4.6 (:60:) Opening Balance

:60a: - M 1 - Opening Balance


Function This field specifies, for the opening balance, whether it is a debit or
credit balance, the date, the currency and the amount of the balance
SWIFT notation 1!a 6!n 3!a 15d
ING usage 1!a 6!n 3!a 15d
Description Length * Description
Tag  5!x * :60F:
Credit/debit  1!x * C or D
Date  n!6 YYMMDD
Currency  3!x ISO currency code
Amount  15n Amount
CS2 (cr,lf)  2!x * hex0D0A
Field Notes
The integer part of Amount must contain at least one digit. The decimal comma ’,’ is
mandatory and is included in the maximum length. The number of digits following the
comma must not exceed the maximum number allowed for that specific currency as
specified in ISO 4217
This field must always be the same as field 62a (closing balance) of the previous customer
statement message for this account
The first customer statement message for a specified period must contain field 60F (first
opening balance)

Example :60F:C060304EUR44,89

:60F: Tag First Opening Balance


C Credit balance
060304 March 4th 2006
EUR EURO
44,89 Forty-four EUR and Eighty-nine EUR cents

SWIFT/MT940, English version, December 2006 - 12


4.7 (:61:) Statement Line

:61: - O 1 - Statement Line


Function This field contains the details of each transaction
SWIFT notation 6!n [4!n] 2a [1!a] 15d 1!a3!c 16x [//16x] [34x]
ING usage 6!n [4!n] 1a [1!a] 15d 1!a3!c 16x [//16x] [34x]
Description Length * Description
Tag 4!x :61:
Value date 6!n YYMMDD *
Credit/debit 1!x C or D
Amount 15n amount
Transaction type (3/4)!x N ***
**
Payment reference 16x ****
CS2 (cr,lf) 2!x hex0D0A
Field Notes
* Interest value date for Bank accounts, book date for Giro accounts
** 3 positions for Postbank, 4 positions for ING
*** The transaction type (a.k.a. entry type) is specified by the letter N
followed by an indicator of the type of the entry. For entries originat-
ing from the Postbank a letter combination is used (for example, NGT
for an entry originating from Girotel/MijnPostbank.nl). For available
entry types please refer to Annex C
**** The payment reference is taken from the received entries when they
are processed. In case of the payment reference not being stated,
‘NONREF’ is used. The payment reference is used to specify a unique
reference for the payment order. Please note for Postbank Girotel
Zakelijk: The payment reference is imported by GTZ as an alphanu-
meric field with 16 positions and, for export in SWIFT MT940, is placed
in the description lines, preceded by the text ‘PAYMENT REF’

Example :61:060307D0,45N026

:61: Tag Statement Line


060307 March 7th 2006
D Debit
0,45 Forty-five EUR cents
N026 Entry originating from Electronic Banking (code 26)

SWIFT/MT940, English version, December 2006 - 13


4.8 (:86:) Information to Account Owner

:86: - C 6 - Information to Account Owner


Function This field contains additional information on the transaction detailed in
the preceding statement line and which is to be passed on to the
account owner
SWIFT notation 6*65x
ING usage 6*65x
Description Length * Description
Tag 4!x * :86:
Description 65x
CS2 (cr,lf) 2!x * hex0D0A
Field Notes
If field 86 is present in any occurrence of the repetitive sequence, it must be preceded by a
field 61

Example :86:453261094 1318224 ALBERT HEIJN HUISS>HUISS


PASNR 013T500 05-08-05 12 UUR 25 TRANSACTIENR 7492221

:86: Tag Information to Account Owner


1318224 ALBERT HEIJN HUISS>HUISS PASNR 013T500 05-08-05 12
UUR 25 TRANSACTIENR 7492221
Narrative

4.9 (:62a:) Closing Balance (Booked Funds)

:62a: - M 1 - Closing Balance


Function This field specifies, for the closing balance, whether it is a debit or
credit balance, the date, the currency and the amount of the balance
SWIFT notation 1!a 6!n 3!a 15d
ING usage 1!a 6!n 3!a 15d
Description Length * Description
Tag 5!x * :62F: or:62M:
Credit/debit 1!x * C or D
Date 6!n YYMMDD
Currency 3!x ISO currency code, refer to Annex D
Amount 15n Amount
CS2 (cr,lf) 2!x * hex0D0A
Field Notes
The integer part of Amount must contain at least one digit. The decimal comma ’,’ is
mandatory and is included in the maximum length. The number of digits following the
comma must not exceed the maximum number allowed for that specific currency as
specified in ISO 4217
The content of this field will be repeated in field 60a of the subsequent customer statement
message for this account
If there is only one customer statement message transmitted for the period, this field must
use tag option F, ie, 62F (final closing balance)

Example :62F:C060327EUR41,75

:62F: Tag Closing Balance (Booked Funds)


C Credit balance
060327 March 27th 2006
EUR EURO
44,89 Forty-one EUR and Seventy-five EUR cents

SWIFT/MT940, English version, December 2006 - 14


4.10 (:64:) Closing Available Balance (Available Funds)

:64: - O 1 - Closing Available Balance (Available Funds)


Function
This field indicates the funds which are available to the account owner (if credit balance) or
the balance which is subject to interest charges (if debit balance)
SWIFT notation 1!a 6!n 3!a 15d
ING usage 1!a 6!n 3!a 15d
Description Length * Description
Tag 5!x * :64:
Credit/debit 1!x * C or D
Date 6!n YYMMDD
Currency 3!x ISO currency code, refer to Annex D
Amount 15n Amount
CS2 (cr,lf) 2!x * Hex0D0A
Field Notes
Please note that this field is only available through the EB and FS channels, GTZ does not
support Closing Available Balances
The integer part of Amount must contain at least one digit. The decimal comma ’,’ is
mandatory and is included in the maximum length. The number of digits following the
comma must not exceed the maximum number allowed for that specific currency as
specified in ISO 4217

Example :64:C060305EUR98,00

:64: Tag Closing Available Balance (Available Funds)


C Credit balance
060305 March 5th 2006
EUR EURO
98,00 Ninety-eight EUR and zero EUR cents

4.11 (:65:) Forward Available Balance

:65: - O n - Forward Available Balance


Function
This field indicates the funds which are available to the account owner (if a credit or debit
balance) for the specified forward value date
SWIFT notation 1!a 6!n 3!a 15d
ING usage 1!a 6!n 3!a 15d
Description Length * Description
Tag 4!x * :65:
Credit/debit 1!x * C or D
Date 6!n YYMMDD
Currency 3!x ISO currency code, refer to Annex D
Amount 15n Amount
CS2 (cr,lf) 2!x * Hex0D0A

SWIFT/MT940, English version, December 2006 - 15


Field Notes
Please note that this field is only available through the EB and FS channels, GTZ does not
support Forward Available Balances. The example provided below shows the availability of
3 balances for 3 dates
The integer part of Amount must contain at least one digit. The decimal comma ’,’ is
mandatory and is included in the maximum length. The number of digits following the
comma must not exceed the maximum number allowed for that specific currency as
specified in ISO 4217

Example :65:C060306EUR94,85
:65:C060307EUR94,85
:65:C060307EUR94,85

:65: Tag Forward Available Balance


C Credit balance
060327 March 6th 2006
EUR EURO
94,85 Ninety-four EUR and Eighty-five EUR cents
Etc.

SWIFT/MT940, English version, December 2006 - 16


4.12 (:86:) Information to Account Owner

:86: - O 1 - Information to Account Owner


Function This field contains additional information on the statement as a whole.
It is to be passed on to the account owner
SWIFT notation 6*65x
ING usage 1*44x
1*35x
Description Length * Description
Tag 4!x * :86:
Debit 1!x D
Number 6!n number of debit entries
Credit 1!x C
Number 6!n number of credit entries
Debit 1!x D
Amount 15n amount of debit entries
Credit 1!x C
Amount 15n amount of credit entries
CS2 (cr,lf) 2!x Hex0D0A
Account Name 35x Only for ING Bank current account
CS2 (cr.lf) 2!x Hex0D0A
Field Notes
Summarizing other information is provided, please note that the Account Name can only be
provided in the EB and FS channel, GTZ does not support this

Example :86:D000003C000000D3,14C0,00
ING BANK TESTREKENING

:86: Tag Information to Account Owner


D Debit
000003 3 debit entries in the message
C Credit
000000 0 credit entries in the message
D Debit
3,14 Total debit amount of thee EURO and fourteen EURO cents in
the message
C Credit
0,00 Total credit amount of zero EURO and zero EURO cents in the
message
ING BANK TESTREKENING Name of the current account

4.13 Message Trailer

-M1- Trailer
Function Message trailer
Description Length * Content
Start 1!x * -
End indicator 3!x * XXX
CS2 (cr,lf) 2!x * hex0D0A
Field Notes

Example -XXX

SWIFT/MT940, English version, December 2006 - 17


Annex A: Examples of financial statement of account
Domestic MT940 representation, Girotel Zakelijk
0000 01PSTBNL21XXXX00001
0000 01PSTBNL21XXXX00001
940 00
:20:GTZPB
:25:0001234567
:28C:004
:60F:C060326EUR44,89
:61:060327D0,45NGTNONREF
:86: 0660014650 TEXT ACCOUNT WITH THE REQUIRED TEXT WHICH CAN RUN ON
:61: 060327D0,45NBANONREF
:86:453261094 1318224 ALBERT HEIJN HUISS>HUISS
PASNR 013T500 05-08-05 12 UUR 25 TRANSACTIENR 7492221
:61:060327D2,24NAC1234567812345678
:86: 060313313 ACCEPT PAYMENT
:62F:C060327EUR41,75
:86:D000003C000000D3,14C0,00
-XXX

Domestic MT940 representation, Electronic Banking


0000 01INGBNL2AXXXX00001
0000 01INGBNL2AXXXX00001
940 00
:20:INGEB
:25:0650014652
:28C:4
:60F:C060304EUR44,89
:61:060307D0,45N026
:86: 0660014650 TEXT ACCOUNT WITH THE REQUIRED TEXT
WHICH CAN RUN ON
:61: 060327D0,45NBANONREF
:86:453261094 1318224 ALBERT HEIJN HUISS>HUISS
PASNR 013T500 05-08-05 12 UUR 25 TRANSACTIENR 7492221
:61:060307D2,24N026
:86:AC 1234567812345678 TRANSACTION2
:62F:C060305EUR41,75
:64:C060305EUR98,00
:65: C060306EUR94,85
:65: C060307EUR94,85
:65: C060307EUR94,85
:86:D000003C000000D3,14C0,00
ING BANK TESTREKENING
-XXX

SWIFT/MT940, English version, December 2006 - 18


Domestic MT940 representation, Finstream
0000 01INGBNL2AXXXX00001
0000 01INGBNL2AXXXX00001
940 00
:20:INGEB
:25:0650014652
:28C:4
:60F:C060304EUR44,89
:61:060307D0,45N026
:86: 0660014650 TEXT ACCOUNT WITH THE REQUIRED TEXT
WHICH CAN RUN ON
:61: 060327D0,45NBANONREF
:86:453261094 1318224 ALBERT HEIJN HUISS>HUISS
PASNR 013T500 05-08-05 12 UUR 25 TRANSACTIENR 7492221
:61:060307D2,24N026
:86:AC 1234567812345678 TRANSACTION2
:62F:C060305EUR41,75
:64:C060305EUR98,00
:65: C060306EUR94,85
:65: C060307EUR94,85
:65: C060307EUR94,85
:86:D000003C000000D3,14C0,00
ING BANK TESTREKENING
-XXX

SWIFT/MT940, English version, December 2006 - 19


Annex B: SWIFT character set
SWIFT uses the ISO level B character set with certain restrictions. The following characters
are permitted:

capital letters A to Z
lower-case letters a to z
figures 0 to 9
space
point .
comma ,
hyphen -
open parenthesis (
close parenthesis )
oblique (slash) /
apostrophe ‘
plus sign +
colon :
question mark ?
open bracket { SEPARATOR
close bracket } SEPARATOR

SWIFT/MT940, English version, December 2006 - 20


Annex C: Transaction codes
ING Bank accounts
Values up to and including ‘54’ are debit entries
Values from ‘55’ onwards are credit entries

Debit Credit
01  transfer to current account 55  cash deposit
02  transfer to private account 56  sale of securities
03  transfer to deposit account 57  sales of coupons
04  transfer to NMS 58  transfer abroad
05  transfer to bank savings 59  bank giro
24  interest on overdue payments 60  salary credits
26  electronic banking 61  postal giro charged to third parties
27  transfer to foreign debit 62 postal giro charged to postal account
28  closing entry to a suspense account customers
29 Interpay debit giro orders supplied 63  settlement of domestic collections
direct to Interpay 64  one-off closure (interest)
30 all cash payments charged to own 65  one-off closure (commission)
customers 66  one-off closure (charges)
31 settled receipts charged to own 67  automatic interest entry
customers 68  insurance claims payments
32 other branch payment, cheque 69  central processing
r­ eceived for collection 70  transfer (other)
33  purchase of securities 71 settlement of guaranteed cheques and
34  coupons made payable eurocheques
35  transfer abroad 72 crediting of foreign currency purchased,
36  giro orders traveller’s cheque
37  automatic giro orders 73  automatic transfer (quarterly closure)
38  domestic collections 75 settlement of point-of-pay terminal
39  one-off closure (interest) (domestic)
40  one-off closure (commission) 76  settlement of chipknip (merchants)
41  one-off closure (charges) 77  telephone transfer
42  automatically entered (interest) 78  credit postal giro orders
43  automatically entered (commission) 79  transfer abroad
44  automatically entered (charges) 80 one-off movements without turnover
45  telegiro transactions commission
46  insurance premium invoices, etc. 81  transfer from cur rent account
47  central payment scheme 82  transfer from personal account
48  transfer (other) 83  transfer from deposit account
49  guaranteed cheques and eurocheques 84  transfer from NMS book
50 travel money provided (traveller’s 85  transfer from bank savings
cheques, foreign currency) 86 payments into night safe and credited to
51  automatic transfer (quarterly closure) third parties
54 movements without turnover 87  electronic banking
c­ ommission

SWIFT/MT940, English version, December 2006 - 21


Postbank
Code Explanation
NAC giro debit
NBA cash dispenser transaction
NCH cheque
NDV sundry charges
NFL branch entry, intercompany entry
NGB guaranteed giro cheque
NGF girofoon
NGM giromaat
NGT girotel (individual girotel transfers)
NIC credit of the total amount or debit of e.g. reversals
NOV manual transfer
NPK post office withdrawal
NPO standing order
NST deposit (own account or third-party)
NVZ multi-transfer order (debit of the total amount or credit of the
combined entries)

SWIFT/MT940, English version, December 2006 - 22


Questions 

If you have any questions on MT940 through Finstream please contact the
ING Customer Support Desk, csd.icm@mail.ing.nl. For opening hours and
phone numbers please visit www.ingbank.nl.

If you have any questions on MT940 through Electronic Banking please


contact the ING Helpdesk Electronic Banking, ebw@mail.ingbank.nl.
For opening hours and phone numbers please visit www.ingbank.nl.

If you have any questions on MT940 through Girotel Zakelijk please contact
the ING Helpdesk Girotel Zakelijk. For opening hours and phone numbers
please visit www.postbank.nl/zakelijk.

For more information on ING file formats please visit our website
www.ingbank.nl/bestandsformaten.

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