A Payments and Cash Management solution from

SWIFT/MT940 --
Technical Manual
SWIFT/MT940
English version
December 2006
SWIFT/MT940, English version, December 2006 - 2
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 specifcally 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 - J
1. Introduction 4
2. Message Structure Chart 6
3. Field Specifications 7
4. Field Layout 9
41 Message Header 10
42 (:20:) Transaction Reference Number (TRN) 11
43 (:21:) Related Reference 11
44 (:25:) Account Identifcation 11
45 (:28C:) Statement Number 12
46 (:60:) Opening Balance 12
47 (:61:) Statement Line 13
48 (:86:) Information to Account Owner 14
49 (:62a:) Closing Balance (Booked Funds) 14
410 (:64:) Closing Available Balance (Available Funds) 15
411 (:65:) Forward Available Balance 15
412 (:86:) Information to Account Owner 17
413 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
Table of contents
SWIFT/MT940, English version, December 2006 - 4
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 defned by ING for the Dutch payment channels; you’ll fnd
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 fle can contain one or more messages
• a message covers one account
• a message covers one or more book days
• the user determines the fle name
General comments:
• amount felds can be up to 15 positions (excluding the decimal separator,
comma)
• amount felds 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 - 6
2. Message Structure Chart
Format Specifcations 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 specifc
ING usage opposed to the SWIFT standard are outlined in chapter 4. The
status in the frst 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 Identifcation
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 feld tag.
To assist legibility and printing, all records (except header & trailer) are
preceded by an identifer (tag) and closed with a CS2 (carriage return,
line feed, hex 0D0A).
SWIFT/MT940, English version, December 2006 - 7
3. Field Specifcations
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 feld specifes 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 feld must contain the feld 20 Transaction Reference Number
of the request message.
FIELD 25: ACCOUNT IDENTIFICATION
This feld identifes the account for which the statement is sent.
FIELD 28C: STATEMENT NUMBER/SEqUENCE NUMBER
This feld contains the sequential number of the statement
FIELD 60A: OPENING BALANCE
This feld specifes, 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 feld contains the details of each transaction.
FIELD 86: INFORMATION TO ACCOUNT OWNER
This feld 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 feld specifes, 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 feld 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 feld indicates the funds which are available to the account
owner (if a credit or debit balance) for the specifed forward
value date
SWIFT/MT940, English version, December 2006 - 3
FIELD 86: INFORMATION TO ACCOUNT OWNER
This feld 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 - 9
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 feld 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 specifc 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 feld 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 feld in this
message. If only one content description is provided,
this indicates a fxed value for this feld
• OPEN All felds 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
felds 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-felds are notated between brackets []
• For comparison the SWIFT notation is presented, where felds that
are not used are marked with a – sign, subfelds that are not used are
struck, and subfelds 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 feld
level, which give examples of the segment described
SWIFT/MT940, English version, December 2006 - 10
4.1 Message header
-M 1 - Message Header 1
Function Export information
Description Length * Content
Export time 4!x
CS1 (space) 1!x
Export day 2!n
Export address 12!x
Export number 5!n
CS2 (cr,lf) 2!x
* 0000
hex20
01
See note
Starts at 00001, increment of 1 per message
hex0D0A
*
*
*
*
*
Field Notes
The export address for GTZ: PSTBNL21XXXX
The export address for EB & FS: INGBNL2AXXXX
Example 0000 01INGBNL2AXXXX00001
- M 1 - Message Header 2
Function Import information
Description Length * Content
Import time 4!x
CS1 (space) 1!x
Import day 2!n
Import address 12!x
* 0000
* hex20
* 01
*
* See note
Import number 5!n
CS2 (cr,lf) 2!x
* Starts at 00001, increment of 1 per message
* 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
CSI (space) 1!x
Message priority 2!n
CS2 (cr,lf) 2!x
* 940
* hex20
* 00
* hex0D0A
Field Notes
This optional header is always present in ING MT940 messages
Example 940 00
SWIFT/MT940, English version, December 2006 - 11
4.2 (:20:) Transaction reference number (Trn)
:20: - M 1 - Transaction Reference Number (TRN)
Function This feld specifes the reference assigned by the Sender to unambigu-
ously identify the message
SWIFT notation 16x
ING usage 5x
Description Length * Description
Tag 4!x
Reference 5!x
CS2 (cr,lf) 2!x
* :20:
See note
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
feld must contain the feld 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 feld, however it might be provided
in a multibank scenario
4.4 (:25:) Account Identifcation
:25: - M 1 - Account Identifcation
Function This feld specifes the reference assigned by the Sender to unambigu-
ously identify the message
SWIFT notation 35x
ING usage 14x
Description Length * Description
Tag 4!x
Account number 10!x
CS2 (cr,lf) 2x
*
*
:25:
hex0D0A
Field Notes
Example :25:0650014652
:25: Tag Account Identifcation
0650014652 ING account number
SWIFT/MT940, English version, December 2006 - 12
4.5 (:28C:) Statement number
:28C: - M 1 - Statement Number
Function This feld 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 feld note)
Description Length * Description
Tag 5!x
Settlement number 5n
CS2 (cr,lf) 2!x
*
*
:28C:
hex0D0A
Field Notes
* The sequence number is optional and ING does not support the usage of this feld,
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 feld specifes, 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
Credit/debit 1!x
Date n!6
Currency 3!x
Amount 15n
CS2 (cr,lf) 2!x
*
*
*
:60F:
C or D
YY||||
|5O currencv code
Amoun|
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 specifc currency as
specifed in ISO 4217
This feld must always be the same as feld 62a (closing balance) of the previous customer
statement message for this account
The frst customer statement message for a specifed period must contain feld 60F (frst
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 - 1J
4.7 (:61:) Statement Line
:61: - O 1 - Statement Line
Function This feld 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
Value date 6!n
Credit/debit 1!x
Amount 15n
Transaction type (3/4)!x
**
Payment reference 16x
CS2 (cr,lf) 2!x
.61.
YY|||| ¯
C or |
amoun|
N ¯¯¯
¯¯¯¯
hex0|0A
Field Notes
* Interest value date for Bank accounts, book date for Giro accounts
** 3 positions for Postbank, 4 positions for ING
*** The transaction type (aka entry type) is specifed 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/MijnPostbanknl) 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 feld 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-fve EUR cents
N026 Entry originating from Electronic Banking (code 26)
SWIFT/MT940, English version, December 2006 - 14
4.8 (:86:) Information to Account owner
:86: - C 6 - Information to Account Owner
Function This feld 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
Description 65x
CS2 (cr,lf) 2!x
*
*
:86:
hex0D0A
Field Notes
If feld 86 is present in any occurrence of the repetitive sequence, it must be preceded by a
feld 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 feld specifes, 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
Credit/debit 1!x
Date 6!n
Currency 3!x
Amount 15n
CS2 (cr,lf) 2!x
*
*
*
:62F: or:62M:
C or D
YY||||
|5O currencv code. re|er |o Annex |
Amoun|
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 specifc currency as
specifed in ISO 4217
The content of this feld will be repeated in feld 60a of the subsequent customer statement
message for this account
If there is only one customer statement message transmitted for the period, this feld must
use tag option F, ie, 62F (fnal 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-fve EUR cents
SWIFT/MT940, English version, December 2006 - 1¯
4.10 (:64:) Closing Available Balance (Available Funds)
:64: - O 1 - Closing Available Balance (Available Funds)
Function
This feld 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
Credit/debit 1!x
Date 6!n
Currency 3!x
Amount 15n
CS2 (cr,lf) 2!x
*
*
*
:64:
C or D
YY||||
|5O currencv code. re|er |o Annex |
Amoun|
Hex0D0A
Field Notes
Please note that this feld 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 specifc currency as
specifed 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 feld indicates the funds which are available to the account owner (if a credit or debit
balance) for the specifed 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
Credit/debit 1!x
Date 6!n
Currency 3!x
Amount 15n
CS2 (cr,lf) 2!x
*
*
*
:65:
C or D
YY||||
|5O currencv code. re|er |o Annex |
Amoun|
Hex0D0A
SWIFT/MT940, English version, December 2006 - 16
Field Notes
Please note that this feld 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 specifc currency as
specifed 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-fve EUR cents
Etc
SWIFT/MT940, English version, December 2006 - 17
4.12 (:86:) Information to Account owner
:86: - O 1 - Information to Account Owner
Function This feld 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
Debit 1!x
Number 6!n
Credit 1!x
Number 6!n
Debit 1!x
Amount 15n
Credit 1!x
Amount 15n
CS2 (cr,lf) 2!x
Account Name 35x
CS2 (crlf) 2!x
* :86:
|
number o| deb|| en|r|e:
C
number o| cred|| en|r|e:
|
amoun| o| deb|| en|r|e:
C
amoun| o| cred|| en|r|e:
|ex0|0A
On|v |or |NC ban| curren| accoun|
|ex0|0A
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
- M 1 - Trailer
Function Message trailer
Description Length * Content
Start 1!x
End indicator 3!x
CS2 (cr,lf) 2!x
*
*
*
-
XXX
hex0D0A
Field Notes
Example -XXX
SWIFT/MT940, English version, December 2006 - 13
Annex A: Examples of fnancial 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 - 19
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 - 20
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
fgures 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 - 21
Annex C: Transaction codes
Ing Bank accounts
va|ue: uo |o and |nc|ud|nq ‘¯4’ are deb|| en|r|e:
va|ue: |rom ‘¯¯’ onward: are cred|| en|r|e:
Debit
01 transfer to current account
02 transfer to private account
03 transfer to deposit account
04 transfer to NMS
05 transfer to bank savings
24 interest on overdue payments
26 electronic banking
27 transfer to foreign debit
28 closing entry to a suspense account
29 Interpay debit giro orders supplied
direct to Interpay
30 all cash payments charged to own
customers
31 settled receipts charged to own
customers
32 other branch payment, cheque
received for collection
33 purchase of securities
34 coupons made payable
35 transfer abroad
36 giro orders
37 automatic giro orders
38 domestic collections
39 one-off closure (interest)
40 one-off closure (commission)
41 one-off closure (charges)
42 automatically entered (interest)
43 automatically entered (commission)
44 automatically entered (charges)
45 telegiro transactions
46 insurance premium invoices, etc
47 central payment scheme
48 transfer (other)
49 guaranteed cheques and eurocheques
50 travel money provided (traveller’s
cheques, foreign currency)
51 automatic transfer (quarterly closure)
54 movements without turnover
commission
Credit
55 cash deposit
56 sale of securities
57 sales of coupons
58 transfer abroad
59 bank giro
60 salary credits
61 postal giro charged to third parties
62 postal giro charged to postal account
customers
63 settlement of domestic collections
64 one-off closure (interest)
65 one-off closure (commission)
66 one-off closure (charges)
67 automatic interest entry
68 insurance claims payments
69 central processing
70 transfer (other)
71 settlement of guaranteed cheques and
eurocheques
72 crediting of foreign currency purchased,
traveller’s cheque
73 automatic transfer (quarterly closure)
75 settlement of point-of-pay terminal
(domestic)
76 settlement of chipknip (merchants)
77 telephone transfer
78 credit postal giro orders
79 transfer abroad
80 one-off movements without turnover
commission
81 transfer from cur rent account
82 transfer from personal account
83 transfer from deposit account
84 transfer from NMS book
85 transfer from bank savings
86 payments into night safe and credited to
third parties
87 electronic banking
Debit
01 transfer to current account
02 transfer to private account
03 transfer to deposit account
04 transfer to NMS
05 transfer to bank savings
24 interest on overdue payments
26 electronic banking
27 transfer to foreign debit
28 closing entry to a suspense account
29 Interpay debit giro orders supplied
direct to Interpay
30 all cash payments charged to own
customers
31 settled receipts charged to own
customers
32 other branch payment, cheque
received for collection
33 purchase of securities
34 coupons made payable
35 transfer abroad
36 giro orders
37 automatic giro orders
38 domestic collections
39 one-off closure (interest)
40 one-off closure (commission)
41 one-off closure (charges)
42 automatically entered (interest)
43 automatically entered (commission)
44 automatically entered (charges)
45 telegiro transactions
46 insurance premium invoices, etc
47 central payment scheme
48 transfer (other)
49 guaranteed cheques and eurocheques
50 travel money provided (traveller’s
cheques, foreign currency)
51 automatic transfer (quarterly closure)
54 movements without turnover
commission
Credit
55 cash deposit
56 sale of securities
57 sales of coupons
58 transfer abroad
59 bank giro
60 salary credits
61 postal giro charged to third parties
62 postal giro charged to postal account
customers
63 settlement of domestic collections
64 one-off closure (interest)
65 one-off closure (commission)
66 one-off closure (charges)
67 automatic interest entry
68 insurance claims payments
69 central processing
70 transfer (other)
71 settlement of guaranteed cheques and
eurocheques
72 crediting of foreign currency purchased,
traveller’s cheque
73 automatic transfer (quarterly closure)
75 settlement of point-of-pay terminal
(domestic)
76 settlement of chipknip (merchants)
77 telephone transfer
78 credit postal giro orders
79 transfer abroad
80 one-off movements without turnover
commission
81 transfer from cur rent account
82 transfer from personal account
83 transfer from deposit account
84 transfer from NMS book
85 transfer from bank savings
86 payments into night safe and credited to
third parties
87 electronic banking
SWIFT/MT940, English version, December 2006 - 22
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 eg reversals
NOV manual transfer
NPK post offce 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)
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 fle formats please visit our website
www.ingbank.nl/bestandsformaten.
Disclaimer
All rights reserved
Copyright
© ING Wholesale Banking

SWIFT/MT940
The MT940 Customer Statement Message is a standard SWIFT (Society for Worldwide Interbank Financial Telecommunication) message for electronic 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 - 

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Message Structure Chart . .10 (:64:) Closing Available Balance (Available Funds) . . . . . . . . . . . . . . . . . . . Field Specifications . . . . . . . . . . . . .7 (:61:) Statement Line . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12 (:86:) Information to Account Owner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21 Contact information . . . . . . . . . . . 14 4 . . . . . . .1 Message Header . . 11 4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Table of contents 1. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 (:28C:) Statement Number . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20 Annex C: Transaction codes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 4 . . . . . . . . . . . . . . . . . 15 4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . English version. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 (:60:) Opening Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 (:21:) Related Reference . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8 (:86:) Information to Account Owner . . . . . . . . 18 Annex B: SWIFT character set . . . . . . . . . . . . 4 2. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 Annex A: Examples of financial statement of account . . . . . . . . . . . . . . . . Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 3. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11 4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 4 . . . . . . . 11 4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 4 . . . 7 4. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23 SWIFT/MT940. . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13 Message Trailer . . . . . . . . . .4 (:25:) Account Identification . . . . . . . . . .2 (:20:) Transaction Reference Number (TRN) . . . . . . . . . . . . . . . . . . . . .9 (:62a:) Closing Balance (Booked Funds) . . . . . . . . . . . . 10 4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 (:65:) Forward Available Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Field Layout . . . . . . . . . . . . . . . . . . . . . . . . . . . December 2006 . . . . . . . . . 17 4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

In the case that ING Bank acts as a third party bank. Since ING has no control (besides the header and trailer) over the contents of these messages. please refer to the appropriate account holder bank for more information on their message implementation of the MT940. 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 Postbank Postbank Postbank giro accounts savings accounts investment funds securities accounts The Postbank account information can include: • book balance (opening and closing balance) • entries (transactions) SWIFT/MT940. please contact your account manager and ask for the appropriate information. December 2006 . Introduction ProDuCT & ChAnnELS InForMATIon With regard to the Netherlands. English version. .1. 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).

It is used to inform the account owner. and to provide the owner with balance information on the account at a given point in time.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.EUR (Euro) . although amounts of less than one currency unit do have a 0 before the decimal. 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. . a list of the SWIFT character set (Annex B) and a list of all transaction codes (Annex C).TND (Tunisian Dinar) 2 places 3 places SWIFT/MT940. of the entries booked to the account. English version. The document focuses on the ING MT940 format description: this contains the basis and the framework within which a Customer Statement Message is defined by ING for the Dutch payment channels. comma) • amount fields have no leading zeros. The annexes provide examples of customer statements (Annex A). for example: . 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. 3 and 4. you’ll find the detailed format description in chapter 2. for example: 0. December 2006 . or authorised party.89 • the number of decimal places depends on the currency.

all records (except header & trailer) are preceded by an identifier (tag) and closed with a CS2 (carriage return. hex 0D0A). line feed. SWIFT/MT940. . The status in the first column can either be Mandatory or Optional. December 2006 . 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 4.2. To assist legibility and printing. English version. Status M M O M O M M M -----> Entries Section O O -----| M O -----> O -----| O M 86 Information to Account Owner Message Trailer Section Trailer 65 Forward Available Balance 1-n 62a 64 Closing Balance (Booked Funds) Closing Available Balance (Available Funds) 61 86 Statement Line Information to Account Owner 1-n 20 21 25 28C 60a Tag name Message heading Section Header 1 Header 2 Header 3 Customer Statement Message Section Transaction Reference Number Related Reference Account Identification Statement Number/Sequence Number Opening Balance 1-n Repeat 1 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 Field a Component H1 Component Hn Tag a: Component a1 Field b Tag b: Component b1 Component T1 Component Tn Trailer The three header blocks and the trailers block are composed of components which are not preceded by a field tag.

whether it is a debit or credit balance.3. FIELD 86: INFORMATION TO ACCOUNT OWNER 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. for the (intermediate) opening balance. English version. FIELD 25: ACCOUNT IDENTIFICATION This field identifies the account for which the statement is sent. the date. EnTrIES SECTIon FIELD 61: STATEMENT LINE This field contains the details of each transaction. 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 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 interest charges (if debit balance). for the closing balance. the currency and the amount of the 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. FIELD 28C: STATEMENT NUMBER/SEqUENCE NUMBER This field contains the sequential number of the statement FIELD 60A: OPENING BALANCE This field specifies. . FIELD 62A: CLOSING BALANCE (BOOkED FUNDS) This field specifies. the date. 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 unambiguously identify the message. the currency and the amount of the balance. December 2006 . whether it is a debit or credit balance.

SWIFT/MT940. English version. MESSAgE TrAILEr SECTIon Trailer: unambiguously indicated end of message. . It is to be passed on to the account owner. December 2006 .FIELD 86: INFORMATION TO ACCOUNT OWNER This field contains additional information on the statement as a whole.

I. Notes: 1.4. this indicates a fixed value for this field • OPEN All fields with variable data are considered open (no asterisk in third column). User Handbook. English version. Content description is provided in italic 3. December 2006 . .W. which give examples of the segment described SWIFT/MT940. and subfields that have an alternate length are italic in the ING column. The full rules for the notation of components inside messages and fields can be found in the S. If only one content description is provided. subfields that are not used are struck. the field tags descriptions are shown.F.T. Additional information: The tables are followed by ‘Field notes’ at field level. The appropriate comments relevant to the ING subset are indicated. With regard to notation the relevant SWIFT rules are: • 9!a alphanumeric (SWIFT character set. The status indicator detailed in the third column. followed by the second column with the length indication in SWIFT notation (see note 3). 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. Field Layout This section describes each segment used in the ING MT940 Customer Statement Message. Annex B) with exact length • 9a alphanumeric (SWIFT character set. the third with the restricted indicator (see note 2) and in the fourth specific data content is provided. Reading from left to right. Example given: Description Length * Content 2. in column one. Please note that for completeness Carriage Return/Line Feed (CRLF) is notated as 2x (SWIFT notation does not) 4. where fields that are not used are marked with a – sign. 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. which directly relate to the data content in the fourth column.

lf) Field Notes The import address for GTZ: The import address for EB & FS: INGBNL2AXXXX Example -O1Function Description Message type CSI (space) Message priority CS2 (cr. increment of 1 per message 5!n * hex0D0A 2!x PSTBNL21XXXX INGBNL2AXXXX 0000 01INGBNL2AXXXX00001 Message Header 2 Import information Length * Content * 0000 4!x * hex20 1!x * 01 2!n * 12!x * See note * Starts at 00001.lf) Field Notes Message Header 1 Export information Length * Content * 0000 4!x * hex20 1!x * 01 2!n * See note 12!x * Starts at 00001. increment of 1 per message 5!n * hex0D0A 2!x PSTBNL21XXXX The export address for GTZ: The export address for EB & FS: Example -M1Function Description Import time CS1 (space) Import day Import address Import number CS2 (cr.1 Message header -M 1 Function Description Export time CS1 (space) Export day Export address Export number CS2 (cr.lf) Field Notes 0000 01INGBNL2AXXXX00001 Message Header 3 Message information Length * Content * 940 3!n * hex20 1!x * 00 2!n * hex0D0A 2!x This optional header is always present in ING MT940 messages Example 940 00 SWIFT/MT940. December 2006 .4. English version.10 .

M 1 Function SWIFT notation ING usage Description Tag Account number CS2 (cr.01 Function Related Reference If the MT 940 is sent in response to an MT 920 Request Message.lf) Field Notes of several messages The reference for GTZ: The reference for EB&FS: Example :20: INGEB GTZPB INGEB :20:INGEB Tag Transaction Reference Number (TRN) ING Electronic Banking Transaction Reference Number (TRN) This field specifies the reference assigned by the Sender to unambiguously identify the message 16x 5x Length * Description * :20: 4!x * See note 5!x 2!x * hex0D0A The TRN may be the same or different for the separate messages of a statement consisting 4.11 . English version.2 (:20:) Transaction reference number (Trn) :20: .4 (:25:) Account Identification :25: .lf) Field Notes Example :25: 0650014652 Account Identification This field specifies the reference assigned by the Sender to unambiguously identify the message 35x 14x Length * Description 4!x 10!x 2x * hex0D0A * :25: :25:0650014652 Tag Account Identification ING account number SWIFT/MT940.3 (:21:) related reference :21: . this field must contain the field 20 Transaction Reference Number of the request message SWIFT notation ING usage Field Notes 16x - Please note that ING does not support the usage of this field.4. however it might be provided in a multibank scenario 4.M 1 Function SWIFT notation ING usage Description Tag Reference CS2 (cr. December 2006 .

89 Tag First Opening Balance Credit balance March 4th 2006 EURO Forty-four EUR and Eighty-nine EUR cents SWIFT/MT940. the date.6 (:60:) opening Balance :60a: . for the opening balance.’ is mandatory and is included in the maximum length .lf) Field Notes Opening Balance This field specifies.1 . English version.5 (:28C:) Statement number :28C: . optionally followed by the sequence number of the message within that statement when more than one message is sent for one statement . 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: C 060304 EUR 44.M 1 Function Statement Number This field contains the sequential number of the statement. however it might be provided in a multibank scenario Example :28C: 4 :28C:4 Tag Statement Number Statement number 4 4.lf) Field Notes 5n [/5n] 5n [/5n] (see field note) Length * Description 5!x 2!x * :28C: * hex0D0A Settlement number 5n * The sequence number is optional and ING does not support the usage of this field. The decimal comma ’. whether it is a debit or credit balance. SWIFT notation ING usage Description Tag CS2 (cr.M 1 Function SWIFT notation ING usage Description Tag Credit/debit Date Currency Amount CS2 (cr.89 :60F:C060304EUR44.4. December 2006 . the currency and the amount of the balance 1!a 6!n 3!a 15d 1!a 6!n 3!a 15d Length * Description 5!x 1!x n!6 3!x 15n 2!x * :60F: * C or D YYMMDD ISO currency code Amount * hex0D0A The integer part of Amount must contain at least one digit .

7 (:61:) Statement Line :61: .45 N026 :61:060307D0. December 2006 . English version.a .nl) . The payment reference is used to specify a unique reference for the payment order . NGT for an entry originating from Girotel/MijnPostbank . 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 . 4 positions for ING The transaction type (a .lf) Field Notes * ** *** 2!x **** hex0D0A :1: YYMMDD * C or D amount N *** Interest value date for Bank accounts.4. for export in SWIFT MT940. book date for Giro accounts 3 positions for Postbank. entry type) is specified by the letter N followed by an indicator of the type of the entry .O 1 Function SWIFT notation ING usage Description Tag Value date Credit/debit Amount Transaction type Statement Line This field contains the details of each transaction 6!n [4!n] 2a [1!a] 15d 1!a3!c 16x [//16x] [34x] 6!n [4!n] 1a [1!a] 15d 1!a3!c 16x [//16x] [34x] Length * Description 4!x 6!n 1!x 15n (3/4)!x ** Payment reference 16x CS2 (cr.1 . For entries originating from the Postbank a letter combination is used (for example. Please note for Postbank Girotel Zakelijk: The payment reference is imported by GTZ as an alphanumeric field with 16 positions and. preceded by the text ‘PAYMENT REF’ Example :61: 060307 D 0.k .45N026 Tag Statement Line March 7th 2006 Debit Forty-five EUR cents Entry originating from Electronic Banking (code 26) SWIFT/MT940. is placed in the description lines.

December 2006 . 62F (final closing balance) Example :62F: C 060327 EUR 44. refer to Annex D Amount * hex0D0A The integer part of Amount must contain at least one digit .75 Tag Closing Balance (Booked Funds) Credit balance March 27th 2006 EURO Forty-one EUR and Seventy-five EUR cents SWIFT/MT940. whether it is a debit or credit balance.4. ie.’ is mandatory and is included in the maximum length . this field must use tag option F.89 :62F:C060327EUR41.8 (:86:) Information to Account owner :86: .lf) Field Notes 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 6*65x 6*65x Length * Description 4!x 65x 2!x * hex0D0A * :86: If field 86 is present in any occurrence of the repetitive sequence. the date.9 (:62a:) Closing Balance (Booked Funds) :62a: .C 6 Function Information to Account Owner 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 ING usage Description Tag Description CS2 (cr. for the closing balance.lf) Field Notes Closing Balance This field specifies. the currency and the amount of the balance 1!a 6!n 3!a 15d 1!a 6!n 3!a 15d Length * Description 5!x 1!x 6!n 3!x 15n 2!x * :62F: or:62M: * C or D YYMMDD ISO currency code.1 . 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. The decimal comma ’.M 1 Function SWIFT notation ING usage Description Tag Credit/debit Date Currency Amount CS2 (cr. it must be preceded by a 4. English version.

lf) Field Notes 1!a 6!n 3!a 15d 1!a 6!n 3!a 15d Length * Description 5!x 1!x 6!n 3!x 15n 2!x * :64: * C or D YYMMDD ISO currency code.O 1 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 ING usage Description Tag Credit/debit Date Currency Amount CS2 (cr.00 :64:C060305EUR98.11 (:65:) Forward Available Balance :65: . The decimal comma ’.O n 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 ING usage Description Tag Credit/debit Date Currency Amount CS2 (cr.10 (:64:) Closing Available Balance (Available Funds) :64: . GTZ does not support Closing Available Balances The integer part of Amount must contain at least one digit . December 2006 . 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: C 060305 EUR 98.1 . refer to Annex D Amount * Hex0D0A Closing Available Balance (Available Funds) Please note that this field is only available through the EB and FS channels. refer to Annex D Amount * Hex0D0A Forward Available Balance SWIFT/MT940.00 Tag Closing Available Balance (Available Funds) Credit balance March 5th 2006 EURO Ninety-eight EUR and zero EUR cents 4.’ is mandatory and is included in the maximum length .lf) 1!a 6!n 3!a 15d 1!a 6!n 3!a 15d Length * Description 4!x 1!x 6!n 3!x 15n 2!x * :65: * C or D YYMMDD ISO currency code. English version.4.

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. GTZ does not support Forward Available Balances . English version.1 .85 :65:C060307EUR94.85 :65:C060307EUR94. The decimal comma ’.85 :65: C 060327 EUR 94.’ is mandatory and is included in the maximum length . December 2006 . Tag Forward Available Balance Credit balance March 6th 2006 EURO Ninety-four EUR and Eighty-five EUR cents SWIFT/MT940.85 Etc .Field Notes Please note that this field is only available through the EB and FS channels. The example provided below shows the availability of 3 balances for 3 dates The integer part of Amount must contain at least one digit .

lf) Account Name CS2 (cr .lf) Field Notes Information to Account Owner This field contains additional information on the statement as a whole .O 1 Function SWIFT notation ING usage Description Tag Debit Number Credit Number Debit Amount Credit Amount CS2 (cr.12 (:86:) Information to Account owner :86: . December 2006 .13 Message Trailer -M1Function Description Start End indicator CS2 (cr.14 C 0. English version.lf) Field Notes Example Trailer Message trailer Length * Content 1!x 3!x 2!x * * XXX * hex0D0A -XXX SWIFT/MT940.14C0. please note that the Account Name can only be provided in the EB and FS channel.4.00 ING BANK TESTREKENING :86: D 000003 C 000000 D 3.1 . It is to be passed on to the account owner 6*65x 1*44x 1*35x Length * Description 4!x 1!x 6!n 1!x 6!n 1!x 15n 1!x 15n 2!x 35x 2!x * :86: D number of debit entries C number of credit entries D amount of debit entries C amount of credit entries Hex0D0A Only for ING Bank current account Hex0D0A Summarizing other information is provided. GTZ does not support this Example :86:D000003C000000D3.00 Tag Information to Account Owner Debit 3 debit entries in the message Credit 0 credit entries in the message Debit Total debit amount of thee EURO and fourteen EURO cents in the message Credit Total credit amount of zero EURO and zero EURO cents in the message ING BANK TESTREKENING Name of the current account 4.

89 :61:060327D0. girotel Zakelijk 0000 01PSTBNL21XXXX00001 0000 01PSTBNL21XXXX00001 940 00 :20:GTZPB :25:0001234567 :28C:004 :60F:C060326EUR44. Electronic Banking 0000 01INGBNL2AXXXX00001 0000 01INGBNL2AXXXX00001 940 00 :20:INGEB :25:0650014652 :28C:4 :60F:C060304EUR44.75 :64:C060305EUR98.45NBANONREF :86:453261094 1318224 ALBERT HEIJN HUISS>HUISS PASNR 013T500 05-08-05 12 UUR 25 TRANSACTIENR 7492221 :61:060327D2.14C0.00 ING BANK TESTREKENING -XXX SWIFT/MT940. English version.45N026 :86: 0660014650 TEXT ACCOUNT WITH THE REQUIRED TEXT WHICH CAN RUN ON :61: 060327D0.1 .00 :65: C060306EUR94.14C0.Annex A: Examples of financial statement of account Domestic MT940 representation.45NBANONREF :86:453261094 1318224 ALBERT HEIJN HUISS>HUISS PASNR 013T500 05-08-05 12 UUR 25 TRANSACTIENR 7492221 :61:060307D2.75 :86:D000003C000000D3.00 -XXX Domestic MT940 representation.45NGTNONREF :86: 0660014650 TEXT ACCOUNT WITH THE REQUIRED TEXT WHICH CAN RUN ON :61: 060327D0.24N026 :86:AC 1234567812345678 TRANSACTION2 :62F:C060305EUR41.89 :61:060307D0.85 :86:D000003C000000D3. December 2006 .85 :65: C060307EUR94.85 :65: C060307EUR94.24NAC1234567812345678 :86: 060313313 ACCEPT PAYMENT :62F:C060327EUR41.

1 . December 2006 .85 :65: C060307EUR94.24N026 :86:AC 1234567812345678 TRANSACTION2 :62F:C060305EUR41.89 :61:060307D0. Finstream 0000 01INGBNL2AXXXX00001 0000 01INGBNL2AXXXX00001 940 00 :20:INGEB :25:0650014652 :28C:4 :60F:C060304EUR44.Domestic MT940 representation.00 ING BANK TESTREKENING -XXX SWIFT/MT940.00 :65: C060306EUR94. English version.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 :61:060307D2.75 :64:C060305EUR98.85 :86:D000003C000000D3.85 :65: C060307EUR94.14C0.

. ( ) / ‘ + : ? { SEPARATOR } SEPARATOR A to Z a to z 0 to 9 SWIFT/MT940. English version. December 2006 .Annex B: SWIFT character set SWIFT uses the ISO level B character set with certain restrictions . The following characters are permitted: capital letters lower-case letters figures space point comma hyphen open parenthesis close parenthesis oblique (slash) apostrophe plus sign colon question mark open bracket close bracket .0 .

etc .Annex C: Transaction codes Ing Bank accounts Values up to and including ‘’ are debit entries Values from ‘’ onwards are credit entries Debit 01 transfer to current account 02 transfer to private account 03 transfer to deposit account 04 transfer to NMS 05 transfer to bank savings 24 interest on overdue payments 26 electronic banking 27 transfer to foreign debit 28 closing entry to a suspense account 29 Interpay debit giro orders supplied direct to Interpay 30 all cash payments charged to own customers 31 settled receipts charged to own customers 32 other branch payment. cheque received for collection 33 purchase of securities 34 coupons made payable 35 transfer abroad 36 giro orders 37 automatic giro orders 38 domestic collections 39 one-off closure (interest) 40 one-off closure (commission) 41 one-off closure (charges) 42 automatically entered (interest) 43 automatically entered (commission) 44 automatically entered (charges) 45 telegiro transactions 46 insurance premium invoices.1 . December 2006 . English version. foreign currency) 51 automatic transfer (quarterly closure) 54 movements without turnover commission Credit 55 cash deposit 56 sale of securities 57 sales of coupons 58 transfer abroad 59 bank giro 60 salary credits 61 postal giro charged to third parties 62 postal giro charged to postal account customers 63 settlement of domestic collections 64 one-off closure (interest) 65 one-off closure (commission) 66 one-off closure (charges) 67 automatic interest entry 68 insurance claims payments 69 central processing 70 transfer (other) 71 settlement of guaranteed cheques and eurocheques 72 crediting of foreign currency purchased. 47 central payment scheme 48 transfer (other) 49 guaranteed cheques and eurocheques 50 travel money provided (traveller’s cheques. traveller’s cheque 73 automatic transfer (quarterly closure) 75 settlement of point-of-pay terminal (domestic) 76 settlement of chipknip (merchants) 77 telephone transfer 78 credit postal giro orders 79 transfer abroad 80 one-off movements without turnover commission 81 transfer from cur rent account 82 transfer from personal account 83 transfer from deposit account 84 transfer from NMS book 85 transfer from bank savings 86 payments into night safe and credited to third parties 87 electronic banking SWIFT/MT940.

English version.Postbank Code NAC NBA NCH NDV NFL NGB NGF NGM NGT NIC NOV NPK NPO NST NVZ Explanation giro debit cash dispenser transaction cheque sundry charges branch entry. reversals manual transfer post office withdrawal standing order deposit (own account or third-party) multi-transfer order (debit of the total amount or credit of the combined entries) SWIFT/MT940. intercompany entry guaranteed giro cheque girofoon giromaat girotel (individual girotel transfers) credit of the total amount or debit of e . .g . December 2006 .

icm@mail.nl/zakelijk. For opening hours and phone numbers please visit www.nl.ingbank.postbank. csd. For more information on ING file formats please visit our website www. If you have any questions on MT940 through Electronic Banking please contact the ING Helpdesk Electronic Banking.ing.ingbank. ebw@mail.Questions If you have any questions on MT940 through Finstream please contact the ING Customer Support Desk.nl/bestandsformaten. Disclaimer All rights reserved Copyright © ING Wholesale Banking .nl. For opening hours and phone numbers please visit www.nl.nl. For opening hours and phone numbers please visit www.ingbank.ingbank. If you have any questions on MT940 through Girotel Zakelijk please contact the ING Helpdesk Girotel Zakelijk.

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