Ing Mt940 Structured Format Description

ING
Structured MT940
Format Description
Belgium and ING International
Network
February 2014 (V3.0)

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 the electronic
banking statement. This document provides guidelines that
enable companies to implement the MT940 Customer Statement
Message into their systems.
The channels in scope are: Isabel 6, FTP, SWIFT (FIN – Fileact),

Etebac.
The present layout is based on SWIFT Standards FIN, Category 9,

Cash Management and Customer Status.
This format description is relevant for the following countries:
 ING Austria
 ING Belgium
 ING Breda (Branch)
 ING Germany
 ING France
 ING Italy
 ING Spain
 ING Switzerland
 ING Portugal
 ING United Kingdom and Ireland
1
Contents
Introduction 3
Layout MT940 4
Example MT940 10
Version History 11
Appendix I - SWIFT Transaction Codification 12
Appendix II - ISO Return Reason codes 14
Appendix III - Examples various transaction types 16

applicable for ING branches:
AT, CH, DE, IE, IT, ES, UK, PT, Breda
Appendix IV - Examples various transaction types 20

applicable for ING France
Appendix V - Belgian Reporting Transaction Codification 22
Appendix VI - Transaction Codification for ING branches:

AT, CH, DE, IE, IT, ES, UK, PT, Breda 46
Appendix VII - Transaction Codification for FR (CFONB) 50
Appendix VIII - The structured format communications 52
Appendix IX - SWIFT format reference 58
Appendix X - SEPA transaction examples 59
2
Introduction
This Message Implementation Guide (MIG) for the ING

structured MT940 is intended for computer departments
of companies wanting to implement this message and
also for their software suppliers. The document focuses
on the Structured MT940 format description: This
contains the basis and the framework. Within which a
Customer Statement Message is defined by ING for the
channel ING FTP and SwiftFileAct.
Structured reporting format (MT940)

The bank delivers electronic transaction information in
standard formats. This format is the SWIFT compliant
MT940 End of Day report. This format has the possibility
to deliver the information in a structured way to the
customer. The structure in a MT940 message is based on
SWIFT, and other, code words ( /xxxx/ ) and subfields
within a code word ( /xxxx/subfield 1/subfield 2/ ). This
format can be easily processed and reconciled by an
automated function.
Usage rules
• Statements in case of no movement (zero statement) is
default, except for ING Belgium.
• Statements in case of no movement (zero statement)
can be switched off
• Standard SWIFT headers will be used
3
Layout MT940
To assist legibility and printing, all records are

preceded by an identifier (tag) and closed with a CS2
(carriage return, line feed, hex 0D0A). Subfield
information is only provided in case mentioned in this
description.
In the definition of format of each message, tags are
used as described in the SWIFT User Handbook. For
the explanation of the code see appendix ‘SWIFT
format reference’.
A MT940 file can contain one or more messages.

A message covers one account.
A message covers one book day.
A message covers one or more entries. Or in case of
zero balances, this entry section is empty.
The user determines the file name. The file size is not restricted.
MT940 Status Tag Name Repeat
Message heading Section 1

M Header 1
M Header 2
O Header 3
Customer Statement Message Section 1

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 0-n

O 61 Statement Line
O 86 Information to Account Owner
M 62A Closing Balance (Booked Funds)

O 64 Closing Available Balance (Value Balance)
O 65 Forwarded Available Balance 0-n
O 86 Information to Account Owner
Message Trailer Section

M Trailer
4
Message header MT940
Standard SWIFT message header and trailer is used.

The message header contains for MT940 ING of 3 elements:
- Export information
- Import information
- Message information
Format:
{1: <Export Info> }
{2: <Import Info> }
{3: <Optional Message Info> }
{4:
<MT940 Statement>
-}
5
Tag specifications
Tag 20 Transaction Reference Number (TRN)

This tag specifies the reference assigned by the Sender to
unambiguously identify the message.
Description Pict Content
Tag 4!x :20:

Transaction Reference Nr 16x
CS2 (cr,lf) 2!x hex0D0A
Tag 25 Account Identification

This tag identifies the account for which the statement is sent.
Tag 4!x :25:

Account number 35x  For current accounts: IBAN+ ISO 4217
currency code
 For ING BE term accounts: IBAN+ ISO
4217 currency code + term code
Tag 28C Statement Number

This tag contains the sequential number of the statement.
Tag 5!x :28C:

Statement number 5n Mandatory
Sequence number 5n Optional
Tag 60A Opening Balance

This tag specifies, for the opening balance, whether it is a debit or
credit balance, the date, the currency and the amount of the balance.
Tag 5!x :60A: F: First opening balance, M:

Intermediate opening balance
Indicator 1!x C (= Credit) or D (= Debit)
Date 6!n YYMMDD
Currency 3!x ISO 4217 currency code
Amount 15n Opening book balance
CS2 (cr,lf) 2!n hex0D0A
6
Tag 61 Statement Line
This tag contains the details of each transaction.
Description Subfield Pict Content
Tag 4!x :61:

Value Date 1 6!n YYMMDD
Entry Date 2 4!n MMDD - Always reported
Indicator 3 1!x C (= Credit) or D (= Debit)
Amount 5 15n Transaction amount
Transaction Type 6 4!x Transaction Type Identification code is
Identification code specified by the letter “N”, followed by
an indicator of the type of the entry. (see
Appendix I SWIFT Trans. Codification)
Reference for the 7 16x Taken from the received entries when
Account Owner available. When not available, the text
‘NONREF’ is used.
Account Servicing 8 18x Starts with “//”
Institution’s Reference
Supplementary Details 9 34x Belgian Reporting transaction
codification on 7 digits (see App. V) +
original amount
(/OCMT/EUR000000000123,35)
Note:
An optional subfield is not reported if not filled.
It is not recommended to use the transaction type for control purposes
in reconciliation software. These codes may be subject to change and
are mainly used for internal purposes.
Tag 86 Information to account owner

This tag contains additional information on the transaction detailed in
the preceding statement line. The information in Tag86 contains
structured information.
If the info is not present, the non-needed blanks are not reported.
Note: This tag can be subject to further improvements and therefore

may change.
Structured Tag 86
Tag 4!x :86: ((only the first line starts with a

tag.
Subsequent lines don’t start with a
tag).
Information to account 6*65x Structured with code words.
owner
7
Structure of code words in Tag (:86:)
General remarks (:86:)

1. The order of code words (TRCD, RTRN, etc..) is always the same for all
movement types reported.
2. Code words can be followed by one or more (sub)fields. (Sub)fields are
separated by a slash, the last subfield is closed by a slash.
3. The following code words are always reported: TRCD, RTRN, CNTP,
REMI, CATP, PURP, SVCL, MARF, CSID, ISDT.
4. Empty subfields will be left empty, resulting in a slash.
5. Subfields can have variable lengths and positions.
6. Subfield <remittance info> of code word REMI may contain slashes.
7. In case maximum positions of tag 86 is reached, the info will be truncated.
8. Additional code words may be added in future.
For examples of messages see appendix X SEPA Transaction Examples
The following code words can be used in Tag 86:
Codeword Explanation Sub field Remark

/TRCD/ Domestic Transaction <TransactionCode>/ Domestic Transaction
Code (4x) Codification
See Appendix V, VI and VII.
/RTRN/ Return Reason (5x) <ReturnReason><R-type>/ ISO Return Code (4x) only
applicable for SEPA returns.
R-type (1x) only applicable for
SEPA Direct Debit
See Appendix II
/CREF/1) Client Reference (35x) <ClientReference>/
/EREF/1) End to End Reference <EndToEndReference>/

(35x)
1)
/PREF/ Payment Information <PaymentInformationID>/
ID (35x)
/IREF/1) Instruction ID (35x) <InstructionID>/
/CNTP/ Counter Party <AccountNumber>/ AccountNumber (34x)

Information <BIC>/ BIC (11x)
<Name>/ Name (35x)
<City>/ City (35)
/REMI/ Remittance Info (156x) Unstructured: See Appendix VIII

USTD/<Remittance>/
Or
Structured:
STRD/<Type>/Remittance/
/CATP/ Category Purpose <CategoryPurposeCode>/
Code (4x)
/PURP/ Purpose Code (4x) <PurposeCode>/
/SVCL/ Service Level Code <ServiceLevelCode>/

(4x)
/MARF/ Mandate Reference <Mandate Reference>/
(35x)
/ULTC/2) Ultimate Creditor <Name>/<ID>/ Name (70x)
ID (35x>
/ULTD/2) Ultimate Debtor <Name>/<ID>/ Name (70x)

ID (35x>
/CSID/ Creditor ID (35x) <CreditorId>/
/ISDT/ Settlement Date (8x) <SettlementDate>/ Format <YYYYMMDD>
1) Codeword only reported if reference is available

2) Ultimate Debtor or Ultimate Creditor will be reported
8
Tag 62A Closing Balance
This tag specifies for the closing balance, whether it is a debit or
credit balance, the date, the currency and the amount of the
balance.
Tag 5!x :62A: F: Final closing balance, M:

Intermediate closing balance
Date 6!n YYMMDD
Amount 15n Closing book balance
Tag 64 Closing available balance

This tag specifies for the closing available balance, whether it is a
debit or credit balance, the date, the currency and the amount of
the balance. This tag is not available for ING BE accounts.
Tag 5!x :64:

Date 6!n YYMMDD
Amount 15n Closing available balance
Tag 65 Forward available balance

This tag specifies for the closing forward available balance, whether
it is a debit or credit balance, the date, the currency and the amount
of the balance. A maximum of two days will be reported. This tag is
not available for ING BE accounts.
Tag 5!x :65F:

Date 6!n YYMMDD
Amount 15n Forward available balance
Tag 86 Information to Account Owner

This tag contains additional information on the statement as a
whole and consists of one line.
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
9
Example MT940
Structured tag 61 and 86
:20:KCXXXXXXXXS00000
:25:BEXXXXXXXXXXXXXXEUR
:28C:22
:60F:C100315EUR0,
:61:1003190319C43069,NCMZNONREF//310XXXXXXXX23
0166000/OCMT/EUR000000043069,00/
:86:/TRCD/0166//RTRN///CREF///CNTP/310XXXXXXXXX/////REMI/USTD/VIREMEN
T XXX-XXXXXXX-XX CENTRALISATION FINANCIERE//CATP///PURP///SVCL///
MARF///ULTC////CSID///ISDT//
:61:1003190319D42711,08NMSCNONREF//364XXXXXXXX26
0113000/OCMT/EUR000000042711,00/
:86:/TRCD/0113//RTRN///CREF///CNTP/XXXXXXXXXXXX//RECETTES DE LA TVA//
/REMI/USTD/XXXXXXXXXXXX//CATP///PURP///SVCL///MARF///ULTC////CSID
///ISDT//
:61:1003190319D357,92NMSCNONREF//364XXXXXXXX27
0113000/OCMT/EUR000000000357,92/
:86:/TRCD/0113//RTRN///CREF///CNTP/XXXXXXXXXXXX//RECETTES DE LA TVA//
/REMI/USTD/XXXXXXXXXXXX//CATP///PURP///SVCL///MARF///ULTC////CSID
///ISDT//
:62F:C100319EUR0,
10
Version History
Version Date Changes
1.0 21-06-2011 First version
1.1 29-06-2011 Country details added in Appendices I, II and III

Deletion of the subfield 4 of tag 61
1.2 21-05-2012 General review

Addition of the detail of tags 64 and 65
2.0 23-09-2013 General update for SEPA

Confirmation of current details in Appendices
3.0 20-02-2014 Update appendix II, adding reason codes (Generic)
11
Appendix I - SWIFT Transaction Codification
For the complete SWIFT table and detailed description of the codes see www.swift.com
Code Description
BNK: Securities Related Item - Bank fees

BOE: Bill of exchange
BRF: Brokerage fee
CAR: Securities Related Item - Corporate Actions Related
CAS: Securities Related Item - Cash in Lieu
CHG: Charges and other expenses
CHK: Cheques
CLR: Cash letters/Cheques remittance
CMI: Cash management item - No detail
CMN: Cash management item - Notional pooling
CMP: Compensation claims
CMS: Cash management item - Sweeping
CMT: Cash management item -Topping
CMZ: Cash management item - Zero balancing
COL: Collections (used when entering a principal amount)
COM: Commission
CPN: Securities Related Item - Coupon payments
DCR: Documentary credit (used when entering a principal amount)
DDT: Direct Debit Item
DIS: Securities Related Item - Gains disbursement
DIV: Securities Related Item - Dividends
EQA: Equivalent amount
EXT: Securities Related Item - External transfer for own account
FEX: Foreign exchange
INT: Interest
LBX: Lock box
LDP: Loan deposit
MAR: Securities Related Item - Margin payments/Receipts
MAT: Securities Related Item – Maturity
MCT: Sepa Credit Transfer: batch
MGT: Securities Related Item - Management fees
MSC: Miscellaneous
NWI: Securities Related Item - New issues distribution
ODC: Overdraft charge
OPT: Securities Related Item - Options
PCH: Securities Related Item – Purchase
POP: Securities Related Item - Pair-off proceeds
PRN: Securities Related Item - Principal pay-down/pay-up
REC: Securities Related Item - Tax reclaim
RED: Securities Related Item - Redemption/Withdrawal
RIG: Securities Related Item - Rights
RTI: Returned item
SAL: Securities Related Item - Sale
SCT: Sepa Credit transfer (single)
SDD: Sepa Direct Debit
SEC: Securities (used when entering a principal amount)
SLE: Securities Related Item - Securities lending related
STO: Standing order
STP: Securities Related Item - Stamp duty
SUB: Securities Related Item - Subscription
SWP: Securities
TAX: Securities Related Item - Withholding tax payment
TCK: Travellers cheques
TCM: Securities Related Item - Tripartite collateral management
TRA: Securities Related Item - Internal transfer for own account
12
Code Description
TRF: Transfer
TRN: Securities Related Item - Transaction fee
UWC: Securities Related Item - Underwriting commission
VDA: Value date adjustment
WAR: Securities Related Item - Warrant
13
Appendix II - ISO Return Reason codes (SCT/SDD)*
The ISO return reason codes in the table below are applicable to:
 SEPA Credit Transfer and/ or
 SEPA Direct Debit
MT940 ISO- Code Description SCT SDD
Return reason
Codes (SCT/SDD) AC01 Incorrect account number X X
AC04 Account closed X X
AC06 Blocked account X X
AC13 Debtor account type is missing or invalid X X
AG01 Transaction forbidden X X
AG02 Invalid bank operation code X X
AM04 Insufficient funds (only reported to debtor) X
AM05 Duplication X X
BE01 Debtor’s name does not match account holder name X
BE04 Creditor address missing or incorrect X
BE05 Creditor identification incorrect X
CNOR Creditor bank is not registered under this BIC in CSM X X
DNOR Debtor bank is not registered under this BIC in CSM X X
FF01 Operations/transaction code incorrect, invalid file format X X
FF05 Direct Debit Type Incorrect X
FOCR Return following a cancellation request X
MD01 No mandate X
MD02 Missing or Incorrect Mandatory Mandate Information X
MD06 Return of funds requested by end customer X
MD07 End customer deceased X X
MS02 Reason has not been specified by end customer X X
MS03 Reason has not been specified by Agent X X
RC01 Bank identifier incorrect X X
RR01 Regulatory reason X X
RR02 Specification of debtor's name and/or address needed for reasons X X
of regulatory requirements is insufficient or missing
RR03 Missing creditor name or address X X
RR04 Regulatory reason X X
SL01 Due to specific services offered by debtor agent X
TM01 File received after Cut-off Time X
* Ensure the above listed ISO Return Reason codes can be handled by your IT system.
For the actual reason codes see www.ISO20022.org
Type of R-message The type of R-message (Reject, Return or Refund) in the MT940 will be
reported directly after the return reason code. The information can be
used to determine if the next direct debit transaction should be instructed
as first or recurrent.
The following codes will be relevant:
R-Type Description
1 Reject (geweigerde)
2 Return (retourbetaling)
3 Refund (terugbetaling)
4 Reversal (herroeping)
5 Cancellation (annulering)
14
Appendix II ISO Return Reason codes (Other)*
The ISO return reason codes in the table below are generic codes that can
occur in payment processing.
MT940 ISO- Code Description

Return reason
Codes (Other) AC03 InvalidCreditorAccountNumber
AGNT Incorrect agent
AM01 ZeroAmount
AM02 NotAllowedAmount
AM06 TooLowAmount
AM07 BlockedAmount
AM09 WrongAmount
AM10 InvalidControlSum
ARDT AlreadyReturnedTransaction
BE06 UnknownEndCustomer
CURR IncorrectCurrency
CUST RequestedByCustomer
CUTA Cancelation requested because an investigation has been requested and no
remediation is possible
DT01 InvalidDate
ED01 CorrespondentBankNotPossible
ED03 BalanceInfoRequest
ED05 SettlementFailed
EMVL EMV Liability Shift
MD04 Invalid Fileformat
MD05 Creditor/creditor's agent should not have collected the DD
NARR Narrative
NOAS NoAnswerFromCustomer
NOOR NoOriginalTransactionReceived
PINL PIN Liability Shift
PY01 Correspondent bank not possible
RC07 InvalidCreditorBICIdentifier
RF01 NotUniqueTransactionReference
SL02 Specific Service offered by Creditor Agent
SVNR ServiceNotRendered
TECH Technical problems resulting in erroneous SDD's
XT78 Check on compensation amount in refunds failed
XT79 Debtor agent not allowed to receive DD
XT80 Credit agent not allowed to send DD
XT87 R-Msg not following same DP route / sending DP not identical to instructing /
instructed agent of the original transaction
* Ensure the above listed ISO Return Reason codes can be handled by your IT system.
For the actual reason codes see www.ISO20022.org
15
Appendix III - Examples various transaction types applicable for the ING branches: AT,
CH, DE, IE, IT, ES, UK, PT, Breda
The transaction types mentioned in this appendix are not exhaustive and can be seen as additional
information.
1. Outgoing Cross border transaction (BMG sweep)
61 1-9 :61:1010011001D1685346,4NTRFBMGSWEEP028290//IONN00104339128
0101000/OCMT/GBP000001685346,40/
:86: Description Example:

:86:/TRCD/IONN//RTRN///CREF/BMGSWEEP/028290//CNTP/NL61BKMG0260000000
//TEST ABCDABCDEFGFD LAAN 55///REMI/USTD/BMGSWEEP/101001/AT11IN
GB1111111//CATP///PURP///SVCL//MARF///ULTC////CSID///ISDT//
2. Incoming Cross border transaction (BMG sweep)
61 1-9 :61:1009290929C1671518,39NTRFFT1027201651//IINN92904333571
0150000/OCMT/GBP000001671518,39/

:86:/TRCD/IINN//RTRN///CREF/FT1027201651//CNTP/NL61BKMG0260000000//TE
ST ABCD NVABCDEFTRE LAAN 55///REMI/USTD/BMGSWEEP/100929//CATP//
/PURP///SVCL//MARF///ULTC////CSID///ISDT//
3. European Incoming Payment Non Urgent
61 1-9 :61:1009300930C116,57NTRF0000041072000855//EINN93002910356
0150000/OCMT/EUR000000000116,57/
:86:/TRCD/EINN//RTRN///EREF/NOT PROVIDED//CNTP/SK15020000000000000000
00//TESTS GRAPHICS.//EREF/N///REMI/USTD/7100005006//CATP///PURP//
/SVCL//MARF///ULTC////CSID///ISDT//
4. European Incoming Payment Urgent
61 1-9 :61:1009290930C3091,46NTRF2010092929618858//EIUN92902906104
0150000/OCMT/EUR000000003091,46/

:86:/TRCD/EIUN//RTRN///CREF/2010092929618858//CNTP/RS3516500020000000
0000//MEDICAL TESTOCERSK 68///REMI/USTD//INV/7100005663//CATP///
PURP///SVCL//MARF///ULTC////CSID///ISDT//
5. European Outgoing Payment Urgent
61 1-9 :61:1009300930D19545,91NTRF0071037029//EOUN92402188396
0101000/OCMT/EUR000000019545,91/
:86:/TRCD/EOUN//RTRN///CREF/0071037029//CNTP/IT98B0832000000000000000
005//ASBL SERVICE SRL///REMI/USTD/PROOF OF ITEMS PAID BY LETTER/
/CATP///PURP///SVCL//MARF///ULTC////CSID///ISDT//
16
6. Global Debit (Payments)
61 1-9 :61:1009280928D149352,65NTRFTLLOFFAT00//DOBT92802900473
0101000/OCMT/EUR000000149352,65/
:86:/TRCD/DOBT//RTRN///CREF/TLLOFFAT00//CNTP//////REMI/USTD/GLOBAL DE
BIT OF YOUR BATCH WITH/EXEC. DATE 28SEP10 FROM FILE/TLLOFFAT00 NB
R CORRECT 000040/NBR RETURN 000000 TOTAL NBR 000040//CATP///PUR
P///SVCL//MARF///ULTC////CSID///ISDT//
7. Global Credit Incoming Batch DD
61 1-9 :61:1009170915C108035,81NDDT2010091529424957//DIBT91529424957
0550000/OCMT/EUR000000108035,81/
:86:/TRCD/DIBT//RTRN///CREF///CNTP/0010100000////REMI/USTD/GLOBAL CRE
DIT OF YOUR BATCH WITH/EXEC. DATE 15SEP10/NBR CORRECT 000046//CA
TP///PURP///SVCL//MARF///ULTC////CSID///ISDT//
8. Direct Debit Outgoing funds
61 1-9 :61:1010010930D72,NDDT8D00779320000003//DODN93002907722
0501000/OCMT/EUR000000000072,00/

:86:/TRCD/DODN//RTRN///CREF/8D00779320000003//CNTP/200670000//ABDEBCL
IEN GMBH//REMI/USTD/LW
2010/00789//CATP///PURP///SVCL//MARF///ULTC////CSID///ISDT//
9. Direct Debit Incoming funds
61 1-9 :61:1010011001C417,84NDDT000623000007//DIDN00111030622
0550000/OCMT/EUR000000000417,84/
:86:/TRCD/DIDN//RTRN///CREF/000623000007//CNTP/0610000000//COMPOS ASS
OCIATES BV//REMI/USTD/COMPOS ASSOC BV 0610000000//CATP///PUR
10. Direct Debit Reversal
61 1-9 :61:1009291001D5397,27NDDTES078016//DODR00102181769
0501000/OCMT/EUR000000005387,27/
:86:/TRCD/DODR//RTRN///CREF/ES078016//CNTP/20770000000000011111/////R
EMI/USTD/NTRA.7100010055,DE FECHA
300610//CATP///PURP///SVCL//MARF///ULTC////CSID///ISDT//
17
11. Domestic outgoing payment
61 1-9 :61:1009300930D4179,13NTRF0071037196//DONN92402889223
0101000/OCMT/EUR000000004179,13/

:86:/TRCD/DONN//RTRN///CREF/0071037196//CNTP/AT975200000001705156//TE
ST KRAFT COMPANY ABCDEC GMBHI///REMI/USTD/0536005,0535987,053
6011,0536042,053/6041,0536040//CATP///PURP///SVCL//MARF///ULTC////CSID///ISDT//
12. Domestic incoming payment
61 1-9 :61:1009300930C979,22NTRFNONREF//DINN93002179897
0150000/OCMT/EUR000000000979,22/

:86:/TRCD/DINN//RTRN///CREF/NONREF//CNTP/00491814//ABCDECFD DEL TRANS
PORTE DE///REMI/USTD/PAGO FACTURA
13. Charges UK in GBP
61 1-9 :61:1009300930D69,24NTRFNONE//CURR00000087700I
0101000/OCMT/GBP000000000069,24/
:86:/TRCD/CURR//RTRN///CREF/NONE//CNTP//////REMI/USTD/MANAGEMENT-FEE
GBP 25.00/POSTAGE
GBP 4.24/CASH POOLIN
G GBP
40.00//CATP///PURP///SVCL//MARF///ULTC////CSID///ISDT//
14. Charges AT in EUR
61 1-9 :61:1009300930D10,55NTRFNONE//CURR00000030100I
0101000/OCMT/EUR000000000010,55/
:86:/TRCD/CURR//RTRN///CREF/NONE//CNTP//////REMI/USTD/MANAGEMENT-FEE
EUR 10.00/PORTO
EUR 0.55//CATP///PUR
15. Periodic Charges sample
61 1-9 :61:1009300930D4,98NTRFNONE//INTR01036600045I
0101000/OCMT/EUR000000000004,98/
:86:/TRCD/INTR//RTRN///CREF/NONE//CNTP//////REMI/USTD/PERIOD FROM 31
AUG 10 TO 30 SEP 10/12X DONN 2.52 11X DINN
2.46//CATP///PURP///SVCL//MARF///ULTC////CSID///ISDT//
16. Periodic Pooling Charges
61 1-9 :61:1009300930D75,NTRF2010092900109900//INTR92929624670P
0101000/OCMT/EUR000000000575,00/

:86:/TRCD/INTR//RTRN///CREF/2010092900109900//CNTP/0009406010//ING BA
NK DEUTSCHLAND AG//REMI/USTD/CASHPOOL-FEE PER MONTH EUR 575,00//C
ATP///PURP///SVCL//MARF///ULTC////CSID///ISDT//
18
17. Interest Received
61 1-9 :61:1009300930C0,08NTRFNONE//CURR03642900240I
0150000/OCMT/EUR000000000000,08/
:86:/TRCD/CURR//RTRN///CREF/NONE//CNTP/////REMI/USTD/INTEREST RECEIVE
D 3160000000000020//CATP///PURP///SVCL//MARF///ULTC////CSID///ISDT//
18. Interest Paid
61 1-9 :61:1009300930D22,66NTRFNONE//CURR04120400282I
0101000/OCMT/EUR000000000022,66/
:86:/TRCD/CURR//RTRN///CREF/NONE//CNTP//////REMI/USTD/INTEREST PAID 3
19. Domestic Pooling
61 1-9 :61:1010011001C91415,89NCMZ2010100104339575//INTR00104339575
0166000/OCMT/GBP000000091415,89/
:86:/TRCD/INTR//RTRN///CREF/2010100104339575//CNTP/20000000//TEST ABC
D COMPANY LIMITED///REMI/USTD/CASH POOLING DD. 01OCT10//CATP///
PURP///SVCL//MARF///ULTC////CSID///ISDT//
20. Domestic Cheque in UK
61 1-9 :61:1009210916C434,NCHK00000000006214//CHQE01780100800
0352000/OCMT/GBP000000000434,00/

:86:/TRCD/CHQE//RTRN///CREF///CNTP/////REMI/USTD/COMPANY LTD//CATP//
/PURP///SVCL//MARF///ULTC////CSID///ISDT//
21. Domestic Cheque other countries
61 1-9 :61:1010040930C3968,8NCHK4293623391//DICN93000381175
0352000/OCMT/EUR000000003968,80/
:86:/TRCD/DICN//RTRN///CREF/4293620000//CNTP/0035203400000000000//ABC
ABCDEFG///REMI/USTD/CHEQUE NUMBER 4293620000//CATP///PURP///SVC
L//MARF///ULTC////CSID///ISDT//
22. Charges on Domestic Cheque in UK
61 1-9 :61:1009300930D1,NTRFNONE//INTR06162500573I
0101000/OCMT/GBP000000000001,00/
:86:/TRCD/INTR//RTRN///CREF/NONE//CNTP//////REMI/USTD/CHQE CHARGES FR
O 31 AUG 10 TO 30 S//CATP///PURP///SVCL//MARF///ULTC////CSID///ISDT//
19
Appendix IV - Examples various transaction types applicable for ING France
The transaction types mentioned in this appendix are not exhaustive and can be seen as additional information.
1. Outgoing Cross border transaction (BMG sweep)
61 1-9 :61:1009150915D1973677,7NTRFBMGSWEEP 027019//310392608TRFCPPE

0101000/OCMT/EUR000001973677,70/

:86:/TRCD/0044//RTRN///CREF///CNTP/NL83BKMG0012345678//TEST ABCDE NV
LAAN 1234///REMI/USTD/BMGSWEEP-100915 FR763043800001012
3456789123///CATP///PURP///SVCL//MARF///ULTC////CSID///ISDT//
2. Incoming Cross border transaction (BMG sweep)
61 1-9 :61:1009160916C379483,76NTRFFT1025901364//310396113TRFCPPE
0150000/OCMT/EUR000000379483,76/

:86:/TRCD/0045//RTRN///CREF///CNTP/NL83BKMG0261119567//TEST ABCDE NV
STRASSE 1234///REMI/USTD/BMGSWEEP-100916///CATP///PURP///S
VCL//MARF///ULTC////CSID///ISDT//
3. Outgoing Batch Payments
61 1-9 :61:1009090909D290610,57NTRF0942723//006932332AV0CPPB
0101000/OCMT/EUR000000290610,57/

:86:/TRCD/0006//RTRN///CREF///CNTP//////REMI/USTD/VIREMENTS DIVERS BE
NEFICIAIRES REF 0942723//CATP///PURP///SVCL//MARF///ULTC////CSID///ISDT//
4. Treasury Payments
61 1-9 :61:1009220922D1550000,NTRF1018213 20002994//350003702TRFCPPB

0101000/OCMT/EUR000001550000,00/
:86:/TRCD/0021//RTRN///CREF/1018213 20002994//CNTP/FR9130002083220000
060037C24//VIRT TRESO///REMI/USTD/VIRT TRESO ABC///CATP///PURP///
SVCL//MARF///ULTC////CSID///ISDT//
5. Interest Movements
61 1-9 :61:1009301007D5794,35NINTNONREF//000018928ECHSCCC
3503000/OCMT/EUR000000005794,35/
:86:/TRCD/0061//RTRN///CREF/NONREF//CNTP/////REMI/USTD/NET ARRETE AU
30-09-10//CATP///PURP///SVCL//MARF///ULTC////CSID///ISDT//
20
6. Charges (Invoice)
61 1-9 :61:1009300930D195,7NCHGNONREF//000000340FACINIC
3037000/OCMT/EUR000000000195,70/

:86:/TRCD/0064//RTRN///CREF/NONREF//CNTP/////REMI/USTD/NOTRE FACTURE
N 000009593//CATP///PURP///SVCL//MARF///ULTC////CSID///ISDT//
7. Domestic Pooling (Debit: TRCD=00945 or Credit: TRCD=0094)
61 1-9 :61:1009100910C88,65NCMZNONREF//000130264XNCCPPB
0166000/OCMT/EUR000000000088,65/

:86:/TRCD/0094//RTRN///CREF///CNTP/FR7630438000001234567891234//INTER
NATIONAL COMPANY//REMI/USTD/VIRT NIVELLEMENT 0001234567891//CATP/
//PURP///SVCL//MARF///ULTC////CSID///ISDT//
21
Appendix V - Belgian Reporting Transaction Codification
The 7 digits Belgian reporting codification used is composed of three elements
1) Family (1st + 2nd pos)

Gives the broad division a transaction belongs to. E.g. credit transfer, cards, collection,...
See appendix 6.1.
2) Transaction (3rd + 4th pos)

Identifies the transaction within a family. For each family code, there are a number of
different debit or credit transaction codes.
See appendix 6.1.
3) Category (5th + 6th + 7th pos)

Provides additional information about the nature of the transaction. For each movement
record, the category clearly distinguishes between the different items relating to a single
transaction. See appendix 5.2
Remarks
When a financial institution encounters a transaction which has not yet received a common
code and which should be given one, code 39 or 89 will be given to the transaction within
family 30. This will facilitate the allocation of a definitive code afterwards. Within each family,
numbers 40 to 48 and 90 to 98 have been earmarked for the transactions which are proper to
one bank and for which no common code is required immediately. Numbers 49 and 99
identify the correction and cancellation entries.
Global Overview of the existing Families
01 to 39: domestic or local SEPA transactions 41 to 79: foreign/non-SEPA transactions 80 to 89

: other families
22
Families and transaction codification
Family: 01 = Domestic local/credit transfers – SEPA credit transfers
Transaction
Family Family Specification of the transaction Comment
code
Debit transactions
Credit transfer given by the
customer on paper or
Domestic or electronically, even if the
01 01 local SEPA Individual transfer order execution date of this transfer is
credit transfers in the future. Domestic payments
as well as euro payments
meeting the requirements.
Domestic or
Individual transfer order initiated The bank takes the initiative for
01 02 local SEPA
by the bank debiting the customer’s account.
credit transfers
Credit transfer for which the order
Domestic or
has been given once and which is
01 03 local SEPA Standing order
carried out again at regular
credit transfers
intervals without any change.
Domestic or The principal will be debited for
01 05 local SEPA Payment of wages, etc. the total amount of the file
credit transfers entered.
Domestic or The principal will be debited for
01 07 local SEPA Collective transfer the total amount of the file
credit transfers entered.
Transfer from one account to
Domestic or another account of the same
01 13 local SEPA Transfer from your account customer at the bank's or the
credit transfers customer's initiative
(intracompany).
In case of centralization by the
Domestic or bank, type 2 will be allotted to this
01 17 local SEPA Financial centralization transaction. This total can be
credit transfers followed by the detailed
movement.
Domestic or
01 37 local SEPA Costs
credit transfers
Domestic or
To be used for issued circular
01 39 local SEPA Your issue circular cheque
cheques given in consignment
credit transfers
Domestic or
01 40 – 48 local SEPA Codes proper to each bank
credit transfers
Domestic or
01 49 local SEPA Cancellation or correction
credit transfers
23
Transaction
code
Credit transactions
Domestic or local
01 50 SEPA credit
transfers Transfer in your favor
Domestic or local The bank takes the initiative
01 51 SEPA credit Transfer in your favor – initiated for crediting the customer’s
transfers by the bank account.
Domestic or local
01 52 SEPA credit
transfers Payment in your favor Payment by a third person
Domestic or local
01 54 SEPA credit
transfers Unexecutable transfer order
Domestic or local
01 60 SEPA credit
transfers Non-presented circular cheque
Domestic or local
01 62 SEPA credit
transfers Unpaid postal order
Domestic or local
01 64 SEPA credit
transfers Transfer to your account Intracompany
In case of centralization by
Domestic or local the bank, type 2 will be
01 66 SEPA credit Financial centralization allotted to this transaction.
transfers This total can be followed by
the detailed movement.
Domestic or local
01 87 SEPA credit
transfers Reimbursement of costs
Domestic or local
01 90-98 SEPA credit
transfers Codes proper to each bank
Domestic or local
01 99 SEPA credit
transfers Cancellation or correction
24
Family: 03 = Cheques
Transaction
code
Debit transactions
03 01 Cheques Payment of your cheque
03 05 Cheques Payment of voucher Payment of holiday pay, etc.
03 09 Cheques Unpaid voucher
03 11 Cheques Department store cheque
Cheque drawn by the bank
03 15 Cheques Your purchase bank cheque on itself, usually with
charges.
Amount of the cheque; if any,
03 17 Cheques Your certified cheque
charges receive code 37
03 37 Cheques Cheque-related costs
03 38 Cheques Provisionally unpaid
03 40-48 Cheques Codes proper to each bank
03 49 Cheques Cancellation or correction
Credit transactions
First credit of cheques,
vouchers, luncheon vouchers,
03 52 Cheques
postal orders, credit under
usual reserve
Also for vouchers, postal
Remittance of cheques, orders, anything but bills of
03 58 Cheques
vouchers, etc. credit after exchange, acquittances,
collection promissory notes, etc.
03 60 Cheques Reversal of voucher
cheques debited on account,
but debit cancelled
03 62 Cheques afterwards for lack of cover
(double debit/contra-entry of
Reversal of cheque transaction 01 or 05)
03 63 Cheques Second credit of unpaid cheque
Remittance of cheque by your
03 66 Cheques branch - credit under usual
reserve
Reimbursement of cheque- Overall amount, VAT
03 87 Cheques
related costs included
03 90-98 Cheques Codes proper to each bank
03 99 Cheques Cancellation or correction
25
Family: 04 = Cards
Family Uniform
Family Specification of the transaction Comment
code code
Debit transactions
Debit customer who is
04 01 Cards
Loading a GSM card loading
Payment by means of a Eurozone = countries which
04 02 Cards payment card within the have the euro as their official
Eurozone currency
04 03 Cards Settlement credit cards
04 04 Cards
Cash withdrawal from an ATM At home as well as abroad
04 05 Cards Loading Proton
04 06 Cards Payment with tank card
04 07 Cards Payment by GSM
Payment by means of a Eurozone = countries which
04 08 Cards payment card outside the have the euro as their official
Eurozone currency
Various costs for possessing
04 37 Cards
Costs or using a payment card
04 40-48 Cards
Codes proper to each bank
04 49 Cards Cancellation or correction
Family Uniform
code code
Credit transactions
Credit after a payment at a
04 50 Cards
terminal Except Proton
04 51 Cards Unloading Proton
04 52 Cards Loading GSM cards Credit provider
04 53 Cards Cash deposit at an ATM
04 55 Cards
Income from payments by GSM
04 68 Cards
Credit after Proton payments
04 87 Cards Reimbursement of costs
04 90 – 98 Cards Codes proper to each bank
04 99 Cards Cancellation or correction
26
Family: 05 = Direct debit
Family Uniform
code code
Debit transactions
05 01 Direct Debit Payment
05 03 Direct Debit Unpaid debt
05 05 Direct Debit Reimbursement
05 37 Direct Debit Costs
Codes proper to each
05 40 – 48 Direct Debit
institution
05 49 Direct Debit Cancellation or correction
Credit transactions
05 50 Direct Debit Credit after collection
05 52 Direct Debit Credit under usual reserve
05 54 Direct Debit Reimbursement
05 56 Direct Debit Unexecutable reimbursement
(cancellation of an undue
debit of the debtor at the
05 58 Direct Debit initiative of the financial
institution or the debtor for
Reversal lack of cover)
05 87 Direct Debit Reimbursement of costs
05 90-98 Direct Debit Codes proper to each bank
05 99 Direct Debit Cancellation or correction
27
Family: 07 = Domestic commercial paper
Family Uniform Specification of the

Family Comment
code code transaction
Debit transactions
Domestic Bills of exchange,
Payment commercial
07 01 commercial acquittances, promissory
paper
paper notes; debit of the drawee
Domestic Bill claimed back at the
Commercial paper
07 05 commercial drawer's request (bill claimed
claimed back
paper back before maturity date)
Domestic
Extension of maturity Costs chargeable to the
07 06 commercial
date remitter
paper
Domestic
Unpaid commercial Contra-entry of a direct credit
07 07 commercial
paper or of a discount
paper
Debit of the remitter when the
Domestic
drawee pays in advance
07 08 commercial Payment in advance
directly to the remitter
paper
(regards bank acceptances)
Domestic
Debit of the agios to the
07 09 commercial Agio on supplier's bill
account of the drawee
paper
Domestic If any, detail in the category
Costs related to
07 37 commercial (e.g. costs for presentation for
commercial paper
paper acceptance, etc.)
Domestic Debit of the drawer after credit
Return of an irregular bill
07 39 commercial under usual reserve or
of exchange
paper discount
Domestic
07 40-48 commercial
bank
paper
Domestic
Cancellation or
07 49 commercial
correction
paper
28
Family Comment
Credit transactions
Domestic Remittance of commercial
07 50 commercial paper - credit after Credit of the remitter
paper collection
Domestic Remittance of commercial
07 52 commercial paper - credit under usual
paper reserve
Domestic Among other things
Remittance of commercial
07 54 commercial advances or promissory
paper for discount
paper notes
Domestic
Remittance of supplier's
07 56 commercial
bill with guarantee
paper
Domestic
Remittance of supplier's
07 58 commercial
bill without guarantee
paper
Domestic
07 87 commercial Reimbursement of costs
paper
Domestic
07 90-98 commercial
bank
paper
Domestic
07 99 commercial Cancellation or correction
paper
29
Family: 09 = Counter transactions

Family Comment
Debit transactions
Withdrawal by counter
Counter
09 01 Cash withdrawal cheque or receipt; cash
transactions
remitted by the bank clerk
Counter Purchase of foreign bank
09 05
transactions notes
Counter
09 07 Purchase of gold/pieces
transactions
Counter Purchase of petrol
09 09
transactions coupons
Counter Cash withdrawal by your On the account of the head
09 13
transactions branch or agents office
Counter
09 17 Purchase of fiscal stamps
transactions
Used in case of payments
Counter
09 19 Difference in payment accepted under reserve of
transactions
count, result of overcrediting
Counter Purchase of traveller’s
09 25
transactions cheque
Counter
09 37 Costs
transactions
Counter Codes proper to each
09 40-48
transactions bank
Counter
09 49 Cancellation or correction
transactions
30
Family Comment
Credit transactions
For own account - the
comment for the client is
given in the communication;
Counter also for mixed payments
09 50 Cash payment
transactions (cash + cheques) - not to be
communicated to the clients;
for payments made by a
third person: see family 01
Counter
09 52 Payment night safe
transactions
Takes priority over
transaction 52 (hence a
Counter Payment by your
09 58 payment made by an agent
transactions branch/agents
in a night safe = 58 and not
52)
Counter
09 60 Sale of foreign bank notes
transactions
Counter Sale of gold/pieces under
09 62
transactions usual reserve
In case of payment accepted
Counter under reserve of count;
09 68 Difference in payment
transactions result of undercrediting - see
also transaction 19
Counter
09 70 Sale of traveller’s cheque
transactions
Counter
09 87 Reimbursement of costs
transactions
Counter Codes proper to each
09 90-98
transactions bank
Counter
09 99 Cancellation or correction
transactions
31
Family: 11 = Securities

Family Comment
Debit transactions
Purchase of domestic or
Purchase of foreign securities, including
11 01 Securities
securities subscription rights,
certificates, etc.
Payment to the bank on
11 02 Securities Tenders
maturity date
Bonds, shares, tap issues of
Subscription to
11 03 Securities CDs, with or without
securities
payment of interest, etc.
11 04 Securities Issues
Debit of the subscriber for
Partial payment
11 05 Securities the complementary payment
subscription
of partly-paid shares
Share option plan –
11 06 Securities
exercising an option
For professionals
Settlement of (stockbrokers) only, whoever
11 09 Securities
securities the issuer may be (Belgian
or foreigner)
Payable Debit of the issuer by the
11 11 Securities coupons/repayable bank in charge of the
securities financial service
Your repurchase of
11 13 Securities Unissued part (see 64)
issue
Interim interest on In case of subscription
11 15 Securities
subscription before the interest due date
11 17 Securities Management fee
11 19 Securities Regularization costs
11 37 Securities Costs
Codes proper to
11 40-48 Securities
each bank
Cancellation or
11 49 Securities
correction
32
Family Comment
Credit transactions
11 50 Securities Sale of securities
Company issues paper in
11 51 Securities Tender
return for cash
Payment of coupons
from a deposit or
settlement of
Whatever the currency of the
11 52 Securities coupons delivered
security
over the counter -
credit under usual
reserve
Repayable
securities from a
deposit or delivered
11 58 Securities
at the counter -
credit under usual
reserve
Interim interest on When reimbursed separately
11 62 Securities
subscription to the subscriber
Amount paid to the issuer by
the bank in charge of the
placement (firm underwriting
11 64 Securities Your issue
or not); also used for the
payment in full of partly-paid
shares, see transaction 05
Retrocession of For professionals such as
11 66 Securities
issue commission insurances and stockbrokers
In case coupons attached to
Compensation for
11 68 Securities a purchased security are
missing coupon
missing
Only with stockbrokers when
Settlement of
11 70 Securities they deliver the securities to
securities
the bank
Reimbursement of
11 87 Securities
costs
Codes proper to
11 90-98 Securities
each bank
Cancellation or
11 99 Securities
correction
33
Family: 13 = Credits

Family Comment
Debit transactions
Capital and/or interest
13 01 Credits Short-term loan
(specified by the category)
13 02 Credits Long-term loan
Full or partial reimbursement
Settlement of fixed
13 05 Credits of a fixed advance at
advance
maturity date
Often by standing order or
Your repayment
13 07 Credits direct debit. In case of direct
installment credits
debit, family 13 is used.
Your repayment
13 11 Credits
mortgage loan
Settlement of bank
13 13 Credits
acceptances
Your repayment Hire-purchase agreement
13 15 Credits hire-purchase and under which the financial
similar claims institution is the lessor
Documentary import
13 19 Credits
credits
Other credit
13 21 Credits
applications
13 37 Credits Credit-related costs
Codes proper to
13 40-48 Credits
each bank
Cancellation or
13 49 Credits
correction
Credit transactions
Settlement of
13 50 Credits
installment credit
Fixed advance –
13 54 Credits
capital and interest
Fixed advance –
13 55 Credits
interest only
13 56 Credits Subsidy Interest or capital subsidy
Settlement of
13 60 Credits
mortgage loan
13 62 Credits Term loan
Documentary export
13 68 Credits
credits
Settlement of
13 70 Credits discount bank
acceptance
Reimbursement of
13 87 Credits
costs
Codes proper to
13 90-98 Credits
each bank
Cancellation or
13 99 Credits
correction
34
Family: 30 = Miscellaneous transactions

Family Comment
Debit transactions
Miscellaneous Spot purchase of
30 1
transactions foreign exchange
Miscellaneous Forward purchase of
30 3
Capital and/or
Miscellaneous
30 5 interest term
transactions
investment
Miscellaneous Value (date)
30 33
transactions correction
Miscellaneous
30 37 Costs
transactions
Miscellaneous Undefined
30 39
transactions transaction
Miscellaneous Codes proper to
30 40-48
transactions each bank
Miscellaneous Cancellation or
30 49
Credit transactions
Miscellaneous Spot sale of foreign
30 50
transactions exchange
Miscellaneous Forward sale of
30 52
Capital and/or
Miscellaneous
30 54 interest term
transactions
investment
Miscellaneous Interest term
30 55
transactions investment
Miscellaneous Value (date)
30 83
Miscellaneous Reimbursement of
30 87
transactions costs
Miscellaneous Undefined
30 89
transactions transaction
Miscellaneous Codes proper to
30 90-98
transactions each bank
Miscellaneous Cancellation or
30 99
35
Family: 35 = Closing (e.g. periodical payments of interest, costs, ...)

Family Comment
Debit transactions
35 01 Closing Closing
35 37 Closing Costs
Codes proper to
35 40-48 Closing
each bank
Cancellation or
35 49 Closing
correction
Credit transactions
35 50 Closing Closing
Reimbursement of
35 87 Closing
costs
Codes proper to
35 90-98 Closing
each bank
Cancellation or
35 99 Closing
correction
36
Family: 41 = Foreign– non-SEPA credit transfers

Family Comment
Debit transactions
Foreign– non-SEPA
41 01 Transfer
credit transfers
Foreign– non-SEPA
41 03 Standing order
credit transfers
Foreign– non-SEPA Collective payments
41 05
credit transfers of wages
Foreign– non-SEPA
41 07 Collective transfers
credit transfers
Foreign– non-SEPA Transfer from your
41 13
credit transfers account Intracompany
Foreign– non-SEPA Financial
41 17
credit transfers centralization (debit)
Costs relating to
Foreign– non-SEPA outgoing foreign
41 37
credit transfers transfers and non-
SEPA transfers
Costs relating to
Foreign– non-SEPA incoming foreign
41 38
credit transfers and non-SEPA
transfers
Foreign– non-SEPA Codes proper to
41 40-48
credit transfers each bank
Foreign– non-SEPA Cancellation or
41 49
credit transfers correction
Credit transactions
Foreign– non-SEPA
41 50 Transfer
credit transfers
Foreign– non-SEPA Transfer to your
41 64
credit transfers account Intracompany
Financial
Foreign– non-SEPA
41 66 centralization
credit transfers
(credit)
Foreign– non-SEPA Reimbursement of
41 87
credit transfers costs
Foreign– non-SEPA Codes proper to
41 90-98
credit transfers each bank
Foreign– non-SEPA Cancellation or
41 99
credit transfers correction
37
Family: 43 = Foreign cheques

Family Comment
Debit transactions
Debit of a cheque in foreign
Foreign Payment of a
43 01 currency or in EUR in favor
cheques foreign cheque
of a foreigner
Foreign Unpaid foreign Foreign cheque remitted for
43 07
cheques cheque collection that returns unpaid
Purchase of an
Foreign
43 15 international bank
cheques
cheque
Costs relating to
Foreign
43 37 payment of foreign
cheques
cheques
Foreign Codes proper to
43 40-48
cheques each bank
Foreign Cancellation or
43 49
cheques correction
Credit transactions
Remittance of
Foreign foreign cheque
43 52
cheques credit under usual
reserve
Remittance of
Foreign
43 58 foreign cheque
cheques
credit after collection
Foreign
43 62 Reversal of cheques
cheques
Foreign Reimbursement of
43 87
cheques costs
Foreign Codes proper to
43 90-98
cheques each bank
43 99
cheques correction
38
Family: 47 = Foreign commercial paper

Family Comment
Debit transactions
Foreign
47 01 Payment of foreign bill
commercial paper
Foreign
47 05 Bill claimed back
commercial paper
Foreign
47 06 Extension
commercial paper
Foreign
47 07 Unpaid foreign bill
commercial paper
Foreign Payment documents
47 11 Bills of lading
commercial paper abroad
Debit customer, payment of
Foreign Discount foreign
47 13 agios, interest, exchange
commercial paper supplier's bills
commission, etc.
Foreign
47 14 Warrant fallen due
commercial paper
Costs relating to the
Foreign
47 37 payment of a foreign
commercial paper
bill
Foreign Codes proper to each
47 40-48
commercial paper bank
47 49
commercial paper correction
39
Family Comment
Credit transactions
Remittance of foreign
Foreign
47 50 bill credit after
commercial paper
collection
Remittance of foreign
Foreign
47 52 bill credit under usual
commercial paper
reserve
Foreign
47 54 Discount abroad
commercial paper
Remittance of
Foreign
47 56 guaranteed foreign
commercial paper
supplier's bill
Foreign
47 58 Idem without guarantee
commercial paper
Remittance of
Foreign documents abroad -
47 60
commercial paper credit under usual
reserve
Remittance of
Foreign
47 62 documents abroad -
commercial paper
credit after collection
Foreign
47 64 Warrant
commercial paper
Foreign Reimbursement of
47 87
commercial paper costs
Foreign Codes proper to each
47 90-98
commercial paper bank
47 99
commercial paper correction
40
Family: 80 = Fees and commissions charged separately

Family Comment
Debit transactions
Fees and
Costs relating to
80 02 commissions
electronic output
charged separately
Fees and Costs for holding a
80 04 commissions documentary cash
charged separately credit
Fees and
Damage relating to
80 06 commissions
bills and cheques
charged separately
Insurance costs of account
Fees and
holders against fatal accidents -
80 07 commissions Insurance costs
passing-on of several insurance
charged separately
costs
Fees and Registering
80 08 commissions compensation for
charged separately savings accounts
Fees and Postage recouped to the debit of
80 09 commissions Postage the customer (including
charged separately forwarding charges)
Fees and
Purchase of
80 10 commissions
Smartcard
charged separately
Costs chargeable to clients who
Fees and Costs for the safe
ask to have their
80 11 commissions custody of
correspondence kept at their
charged separately correspondence
disposal at the bank's counter
Fees and
Costs for opening a
80 12 commissions
bank guarantee
charged separately
Fees and
Commission for renting a safe
80 13 commissions Renting of safes
deposit box
charged separately
Fees and
Handling costs
80 14 commissions
installment credit
charged separately
Commission collected to the
Fees and
debit of the customer to whom
80 15 commissions Night safe
the bank delivers a key which
charged separately
gives access to the night safe
Fees and
Bank confirmation to
80 16 commissions
auditor accountant
charged separately
Fees and
Charge for safe Collected for unsealed deposit of
80 17 commissions
custody securities, and other parcels
charged separately
Fees and
80 18 commissions Trade information
charged separately
Fees and commissions Special charge for safe Collected for securities, gold, pass-
80 19
charged separately custody books, etc. placed in safe custody
Fees and commissions
80 20 Drawing up a certificate
charged separately
Fees and commissions
80 21 Pay-packet charges Charges for preparing pay packets
charged separately
41
Family Comment
Fees and
80 22 commissions charged Management/custody
separately
Costs charged for all kinds of
Fees and
research (information on past
80 23 commissions charged Research costs
transactions, address retrieval,
separately
...)
Participation in and
Fees and
management of
80 24 commissions charged
interest refund
separately
system
Fees and Commission for the renting of
Renting of direct
80 25 commissions charged boxes put at the disposal for the
debit box
separately correspondence
Fees and
Travel insurance
premium
separately
Fees and
For publications of the financial
80 27 commissions charged Subscription fee
institution
separately
Fees and Charges collected for: -
80 29 commissions charged Information charges commercial information - sundry
separately information
Fees and
80 31 commissions charged Writ service fee E.g. for signing invoices
separately
Costs not specified otherwise,
often with a manual
Fees and
Miscellaneous fees communication (e.g. for
and commissions collecting, ordering funds). VAT
separately
excluded = type 0 VAT included
= type 3 (at least 3 articles)
Fees and Costs charged for calculating
80 35 commissions charged Costs the amount of the tax to be paid
separately (e.g. Fiscomat).
Fees and Fixed right, either one-off or
Access right to
80 37 commissions charged periodical; for details, see
database
separately "categories"
Fees and
80 39 commissions charged Surety fee Agios on guarantees given
separately
Fees and
80 41 commissions charged Research costs
separately
Fees and
80 43 commissions charged Printing of forms
separately
Fees and
Documentary credit
charges
separately
Fees and
Charging fees for
transactions
separately
Fees and commissions Cancellation or
80 49
charged separately correction
Credit transactions
Fees and commissions Cancellation or
80 99
charged separately correction
42
Category Codes
Uniform
Code Description of costs/fees Comment
000 Net amount Amount as mentioned on the statement
001 Interest credited
002 Interest debited
003 Credit fee
004 Postage
005 Letterbox rent
006 Various costs and fees
007 Right of access to databank See also family 80 transaction 37
008 Information costs e.g. commercial information,
securities custody certificate, etc
009 Travelling costs
010 Bailiff fee
011 VAT
012 Exchange fee
013 Payment fee
014 Collection charges
015 Correspondent fee
017 Study charges
018 Rent guarantee charges
019 Tax on physical delivery e.g. securities
020 Physical delivery charges e.g. securities
021 Charges for drawing a bank cheque
022 Priority charges Charges for swift money transfers
023 Execution fee In case of a shares option plan
024 Growth premium
025 Individual exchange costs account
026 Handling charges Manual processing of payments
027 Charges for dishonored B/Es
028 Fidelity premium
Protest charges including cancellation
029 charges
030 Account Insurance
031 Foreign cheque charges
032 Drawing of a circular cheque
033 Foreign security charges
In case of early partial reimbursement of a
034 Reinvestment charges fixed advance
035 Foreign documentary security charges
036 Refused cheque charges
037 File handling costs
Confirmation of a foreign order to the
039 Telecommunication beneficiary or to a third person
041 Credit card charges
042 Payment card charges
043 Insurance costs
045 File handling costs
047 Security prolongation charges
049 Tax stamps/stamp duty
050 Capital long term investment
43
051 Withholding tax on income Basic amount
052 (European) home country withholding tax Basic amount
053 Drawing up of forms
055 Loan or credit capital write-off
057 Interest subsidy
058 Capital premium
059 Interest on arrears
061 Transaction tariffing
063 Rounding off differences
065 Interest subsidy message
066 Fixed credit advance – reimbursement
067 Fixed credit advance – prolongation
068 Entry counter value
069 Long-term arbitrage contracts :
Amount to be paid by the customer
070 Long-term arbitrage contracts :
Amount to be paid by the bank
071 Fixed credit advance – availability
072 Third persons fees counter value
073 Foreign ATMs charges
074 Correspondence costs
Amount without fees and charges
100 Gross amount deducted
200 Total documentary credit cost
201 Cancellation commission
202 Notification commission
Additional notification commission
203 Confirmation commission
Additional confirmation commission
Commitment commission
Flat commission
Conformation reservation commission
Additional reservation commission
204 Modification commission e.g. for securities
205 Documentary payment commission
Documentary commission
Use commission
Negotiation commission
206 Commission for conditional guarantees/
Payment
207 Divergences commission
Commitment commission postponed
208 payment
209 Transfer commission
210 Availability commission
211 Credit opening fee
Additional credit opening fee
212 Storage charges
213 Financing charges
214 Issue charges (flow-through)
400 Acceptance commission
401 Visa charges
402 Certification charges
44
403 Minimum discount charges
404 Discount charges
405 Guarantee commission
406 Collection charges
407 Article 45 charges
408 Opening charges
e.g. as for securities offered for collection
409 Custody charges and with a maturity date that is still far off
410 Return charges
411 Fixed collection charges
412 Expiry message charges
413 Acceptance charges
414 Regularization charges
415 Commission for securing
416 Charges for surety ship Charges retransferred to the Caisse
des dépôts et consignations
418 Endorsement commission
e.g. as for presenting a security for
419 Intervention commission acceptance
420 Deduction charges Charges deducted from a discount yield
e.g. as for insufficient guarantee
425 Foreign brokerage Tax included
426 Belgian brokerage
427 Belgian stock exchange tax
428 Interest yield Only as for securities transactions
429 Foreign stock exchange tax
430 Foreign tax recovery
431 Copy delivery e.g. commercial paper copy
45
Appendix VI - Transaction Codification for ING branches: AT, CH, DE, IE, IT, ES, UK,
PT, Breda
Product Inventory Description Category

CANO ACCT CALL-NOTICE ACCOUNT
CDIC ACCT DOCUMENTARY CREDIT LC
CHQE ACCT CHEQUES
CUPA ACCT UNPAID AMOUNTS
Current Accounts
CURR ACCT CURRENT ACCOUNT
LMGS ACCT MORTGAGE LOAN
LSLF ACCT INSTALLMENT LOANS
OVDR ACCT OVERDRAFT ACCOUNT
BBHL BOND BUY - DEAL BY DEAL - LONG TERM - HE
BBHS BOND PURCHASE OF SHORT TERM INVESTMENT
BBTL BOND BUY - DEAL BY DEAL - LONG TERM - TR
BBTS BOND BUY - DEAL BY DEAL - SHORTTERM - TR BONDS
BSHL BOND SALE - DEAL BY DEAL - LONG TERM - H
BSHS BOND SALE- DEAL BY DEAL - SHORTTERM - HE
BSTL BOND SALE- DEAL BY DEAL - LONG TERM - TR
DOC CFAC FACILITY INCOMPLETE DOCS Facilities
FWLG FEXC FX SWAP / FX TRES SWAP FORWARD LEG
FWLI FEXC SWAP INTERSECTION - FORWARD LEG
FWOB FEXC FORWARD OUTRIGHT COVERING
FWOR FEXC FORWARD OUTRIGHT Foreign Exchange
SPOC FEXC SPOT OUTRIGHT VOLUNTARY COVERING
SPOT FEXC SPOT OUTRIGHT
SPSH FEXC SWAP - SPOT LEG
GEXP GEXP GENERAL EXPENSES General Expense
CBAC GUAR BANKERS ACCEPTANCE OUTSIDE BELGIUM
CGBB GUAR GUARANTEES GIVEN BBL GROUP
CGCD GUAR GUARANTEE GIVEN CREDIT DERIVATIVES
CGIB GUAR GUARANTEES GIVEN ING BRANCHES
CGNR GUAR GUARANTEE GIVEN FOR OTHER ENTITY
CGOB GUAR GUARANTEE GIVEN OTHER BRANCHES
CGUA GUAR GUARANT. GIVEN AS CREDIT SUBST(630)
CGUC GUAR ISSUED GUARANTEE - OTHER
GABT GUAR ASSOC BRIT TVL AGENTS BOND
Guarantees
GBAC GUAR BACS GUARANTEE
GCDS GUAR CREDIT DEFAULT SWAP-PROTECTION SOLD
GCEX GUAR C & E GUARANTEE / DEF DUTY BOND
GENC GUAR ENCASHMENT FACILITY
GFAG GUAR FACILITY GUARANTEE
GLAG GUAR LLOYDS GUARANTEE
GLSA GUAR LLOYDS SALVAGE ARBITRATION
GMSC GUAR MISSING SHARE CERTIFICATE
GPAB GUAR PERFORMANCE BOND
46
GPRN GUAR PROMISSORY NOTE
GRIS GUAR RISK PARTICIPATION - UNFUNDED
GRNT GUAR RENT PAYMENT GUARRANTEE
IRC1 IRCS CURRENCY IRS TRADING 1
IRC2 IRCS CURRENCY IRS TRADING 2
IRC3 IRCS CURRENCY IRS HEDGING 3
IRCM IRCS CURRENCY IRS FULLY MATCHED
IRCS IRCS CURRENCY IRS NOT MATCHED
IRS1 IRCS BOOK IRS : TRADING LIQUID < 010195 Interest Rate
IRS2 IRCS IRS BOOK : TRADING NON LIQU >010195 SWAP
IRS3 IRCS BOOK IRS : MICRO HEDGING <010195
IRS4 IRCS IRS BOOK : TREASURY MNGMT > 010195
IRS5 IRCS IRS BOOK : TREASURY MGMNT > 010195
IRS6 IRCS IRS BOOK : TREASURY MGMNT > 010195
IRSH IRCS BOOK IRS : HEDGING < 010195
ADVF LDCM FIXED ADVANCE
AEXF LDCM ADVANCE FOR EXPORT
AFIN LDCM FINANCING
AIMF LDCM ADVANCE FOR IMPORT
CADV LDCM COMMERCIAL ADVANCE
CDEP LDCM COMMERCIAL DEPOSIT
CLCA LDCM L/C REFINANCING-INT PAID IN ADVANCE
CPBL LDCM PRIME BASED LOANS
CPLT LDCM FIXED PLACEMENT
CRSF LDCM SYNDICATED CREDIT
ONDP LDCM OVERNIGHT PLACEMENT
ONPL LDCM OVERNIGHT PLACEMENT
PLTF LDCM FIXED PLACEMENT
SPCL LDCM COMMERCIAL SPOT
ADVANCES TO DOMESTIC CPTY
ADCF LDMM CUSTOMERS Loans and
Deposits
ADCS LDMM SEGMENTED FIXED ADVANCE -COMM CUST
ADVS LDMM SEGMENTED FIXED ADVANCE
AMGF LDMM ADVANCE WITH MORTGAGE WARRANTY
AMGS LDMM ADVANCE WITH MORTGAGE WARRANTY
CDPF LDMM FIXED DEPOSIT DOMESTIC CPTY
CRDF LDMM DIRECT CREDIT
CRDS LDMM DIRECT CREDIT
CRSS LDMM SYNDICATED CREDIT
DEPS LDMM SEGMENTED DEPOSIT
DPIF LDMM INTERBRANCH
DPIS LDMM INTERBRANCH SEGMENTED
DTIF LDMM INTERBRANCH
DTIS LDMM INTERBRANCH
IDPF LDMM MID - INTERBANKING DEPOSIT
LMGF LDMM MORTGAGE LOAN
47
LSCS LDMM SYNDICATED LOAN - CUSTOMERS COMMRCL
LSFS LDMM SYNDICATED LOAN - CUSTOMERS FINANCL
LSLS LDMM SYNDICATED LOAN - BANKS - FINANCIAL
MADF LDMM FIXED ADVANCE - TREASURY BILATERAL
NDPF LDMM DAY TO DAY DEPOSIT
NPLF LDMM DAY TO DAY PLACEMENT
PERS LDMM LOAN TO PERSONNEL
PLTS LDMM SEGMENTED FIXED PLACEMENT
RB2F LDMM BIL REPO, LT PUBL ADM, CCY =
ROLF LDMM ROLLOVER
ROLS LDMM ROLLOVER
SLEF LDMM SECURED LOAN BY EQUITIES
TDPF LDMM TIME DEPOSIT
TPLF LDMM TIME PLACEMENT
TPLS LDMM TIME PLACEMENT
DIBT PMNT DOMESTIC INCOMING GLOBAL CREDIT PMT
DICN PMNT COLLECTED CHEQUE
DICG PMNT GLOBAL COLLECTED CHEQUES
DIDN PMNT DIRECT DEBITS INCOMING FUNDS
DIDR PMNT REFUSED DIRECT DEBIT - INC. FUNDS
DINC PMNT INTERNATIONAL INCOMING PAYMENT MIL.
DINN PMNT DOM INCOMING PMNT NON RESIDENTS
DINR PMNT DOM INCOMING PMNT RESIDENTS
DINS PMNT SWIFT INCOMING ON AMBASSADOR
DIRT PMNT GLOBAL CREDIT RETURNED PMNT
DIUN PMNT INCOMING PAYMENTS DOMESTIC
DIUR PMNT DOM INC URGENT RESIDENT PAYMENT
DOBT PMNT OUTGOING PAYMENTS DOMESTIC
DOCG PMNT GLOBAL CLEARED CHEQUES
DOCN PMNT CLEARED CHEQUES Payments
DODN PMNT DIRECT DEBIT - OUTGOING FUNDS
DODR PMNT REFUSED DIRECT DEBIT - OUTG. FUNDS
DONN PMNT DOM OUTGOING PMNT NON RESIDENT
DONR PMNT DOMESTIC OUTGOING RESIDENT PMNT
DORT PMNT DOM OUTGOING RETURNED PAYMENT
DOUN PMNT DOM OUTG URGENT NON RES PAYMENT
DOUR PMNT DOMESTIC OUTG. URGENT RESIDENT PMT.
EINN PMNT INCOMING SEPA PAYMENT
EINR PMNT INCOMING SEPA PAYMENT RETURN
EIUN PMNT INCOMING URGENT EURO PAYMENT
EONN PMNT OUTGOING SEPA PAYMENT
EOUN PMNT OUTGOING URGENT EURO PAYMENT
EURO PMNT EURO TRANSFER
IINA PMNT INTERNATIONAL INCOMING PAYMENT MIL.
48
IINE PMNT INCOMING DOMESTIC EURO
IINF PMNT INTERNATIONAL INCOMING MT202
IINN PMNT INCOMING PAYMENTS
IINR PMNT REF. INTERNATIONAL INCOMING PAYMENT
IIUE PMNT INCOMING DOMESTIC EURO - URGENT
IIUN PMNT INCOMING PAYMENTS
INTR PMNT LOCAL PAYMENTS
IONE PMNT OUTGOING PAYMENTS DOM. EURO
IONF PMNT INTERNATIONAL OUTGOING MT202
IONN PMNT OUTGOING PAYMENTS
IONV PMNT INT OUTG INTERIM AMBASS PMT TO NAVI
IOUE PMNT OUTGOING PAYMENTS DOM. EURO URGENT
IOUF PMNT OUTGOING PAYMENT EUR/GBP O/SIDE UK
IOUN PMNT INT'L OUTG URGENT NON RESIDENT
49
Appendix VII - Transaction Codification for FR (CFONB)
Code Libellé CFONB Sens Code Libellé SWIFT
01 Chèques payés D CHK Cheques
02 Remises de chèques C CLR Cash letters/Cheques remittance
03 Chèques impayés D RTI Returned item
04 Versements espèces C MSC Miscellaneous
05 Virements reçus C TRF Transfer
06 Virements émis D TRF Transfer
07 LCR/BOR domiciliés D BOE Bill of exchange
08 Prélèvements, TIP et Télérèglements domiciliés D DDT Direct Debit Item
09 Prélèvements, TIP et Télérèglements émis C DDT Direct Debit Item
10 Prélèvements, TIP et Télérèglements rejetés/impayés D RTI Returned item
11 Factures cartes de paiement/ DAB-GAB C MSC Miscellaneous
11 Factures cartes de paiement/DAB-GAB D MSC Miscellaneous
12 Rejet/retour de virement C TRF Transfer
13 Virements de trésorerie reçus C TRF Transfer
14 Virements de trésorerie émis D TRF Transfer
15 Remises de chèques sur caisse C CLR Cash letters/Cheques remittance
16 Cheques C CHK Cheques
18 Autres virements reçus C TRF Transfer
21 Autres virements émis D TRF Transfer
22 TIP domiciliés D DDT Direct Debit Item
23 Prélèvements domiciliés D DDT Direct Debit Item
24 TIP émis C DDT Direct Debit Item
25 Prélèvement émis C DDT Direct Debit Item
26 TIP rejetés / impayés D RTI Returned item
27 Prélèvements rejetés / impayés D RTI Returned item
28 Factures cartes payées D MSC Miscellaneous
29 Retrait DAB-GAB D MSC Miscellaneous
30 Factures cartes remises C MSC Miscellaneous
31 Remises d'effets à l'encaissement C BOE Bill of exchange
32 Remises à l'escompte (papier commercial / chèques) C BOE Bill of exchange
33 Effets impayés D BOE Returned item
34 Incidents sur effets C BOE Returned item
34 Incidents sur effets D RTI Returned item
35 Remises de LCR/BOR à l'encaissement C BOE Bill of exchange
36 Remise de facture CB crédit D MSC Miscellaneous
37 Remises de LCR/BOR à l'escompte C BOE Bill of exchange
38 Facture CB impayée / rejetée D MSC Miscellaneous
39 Virements d'Origine Extérieur (VOE) reçus C TRF Transfer
41 Transferts vers/en provenance de l'étranger D TRF Transfer
41 Transferts vers/en provenance de l'étranger C TRF Transfer
42 Achats/Ventes de devises D FEX Foreign exchange
42 Achats/Ventes de devises C FEX Foreign exchange
43 Autres opérations avec l'étranger D MSC Miscellaneous
43 Autres opérations avec l'étranger C MSC Miscellaneous
44 Transfert émis D TRF Transfer
44 Cheque banque émis D CHK Cheques
45 Transfert reçus C TRF Transfer
46 Achats de devises au comptant D FEX Foreign exchange
47 Ventes de devises au comptant C FEX Foreign exchange
48 Levée sur achat à terme D FEX Foreign exchange
49 Livraison sur vente à terme C FEX Foreign exchange
51 Achats et Ventes de titres D SEC Securities
51 Achats et Ventes de titres C SEC Securities
52 Diverses opérations sur titres D SEC Securities
52 Diverses opérations sur titres C SEC Securities
53 Achats/Souscriptions VM/BF D SEC Securities
54 Ventes de VM/BF C SEC Securities
55 Solde de liquidation - BF C SEC Securities
56 Achats OPCVM D SEC Securities
57 Ventes OPCVM C SEC Securities
58 Achats TCN D SEC Securities
59 Ventes TCN C SEC Securities
50
Code Libellé CFONB Sens Code Libellé SWIFT
60 Réservé R R R
61 Agios D INT Interest
61 Agios C INT Interest
62 Commissions et frais divers D COM Commission
63 Produits financiers C INT Interest
64 Commissions y compris taxes D COM Commission
65 Commissions hors taxes D COM Commission
66 Commissions non taxables D COM Commission
67 Taxes D COM Commission
68 Autres opérations avec l'étranger - Débit D MSC Miscellaneous
69 Autres opérations avec l'étranger - Crédit C MSC Miscellaneous
70 Charges financières D INT I nterets
71 Tirage de crédits C LDP Loan deposit
72 Echéance crédits D MSC Miscellaneous
73 Emission de valeurs mobilières C SEC Securities
74 Emission de titres de créances C SEC Securities
75 Remboursement D MSC Miscellaneous
76 Dépôt à terme D MSC Miscellaneous
77 Echéance dépôt à terme C MSC Miscellaneous
80 Achats autres TC D SEC Securities
81 Ventes autres TC C SEC Securities
82 Contrats C SEC Securities
82 Contrats D SEC Securities
83 Options C SEC Securities
83 Options D SEC Securities
84 Achats Bourses Etrangères D SEC Securities
85 Ventes Bourses Etrangères C SEC Securities
86 Opérations sur titres C SEC Securities
86 Opérations sur titres D SEC Securities
87 Revenus sur titres C DIV Dividends - Warrants
88 Commissions et droits de garde D COM Commission
89 Remboursement impôts étrangers C MSC Miscellaneous
90 VCOM émis D TRF Transfer
91 Opérations diverses C MSC Miscellaneous
91 Opérations diverses D MSC Miscellaneous
92 Centralisation de recettes C CMI Cash Management item - No detail
92 Centralisation de recettes D CMI Cash Management item - No detail
93 Centralisation de dépenses C CMI Cash Management item - No detail
93 Centralisation de dépenses D CMI Cash Management item - No detail
94 Centralisation de trésorerie - Crédit C CMI Cash Management item - No detail
95 Centralisation de trésorerie - Débit D CMI Cash Management item - No detail
96 Télérèglements domiciliés D DDT Direct Debit Item
97 Télérèglements émis C DDT Direct Debit Item
98 Télérèglements rejetés/impayés D RTI Returned item
99 Annulations et régularisations C MSC Miscellaneous
51
Appendix VIII - The structured format communications
BE Accounts only
100 Payment with a structured format communication RF +
applying the ISO standard 11649: Structured creditor 2 Check Digits + max.
reference to remittance information 21 AN
101 Credit transfer or cash payment with structured format 12 pos N

communication 10 + 2 (digit 97)
102 Credit transfer or cash payment with reconstituted 12 pos N

structured format communication 10 + 2 (digit 97)
103 number (e.g. of the cheque, of the card, etc.) 12 pos N
105 original amount of the transaction
- gross amount in the currency of the account 15 pos N (12 + 3)

- gross amount in the original currency 15 pos N (12 + 3)
- rate 12 pos N (4 + 8)
- currency 3 pos AN (ISO currency
code)
- structured format communication 12 pos AN
- country code of the principal 2 pos AN (ISO country

code)
- equivalent in EUR 15 pos N (12 + 3)
106 Method of calculation (VAT, withholding tax on income,

commission, etc.)
- equivalent in the currency of the account 15 pos N (12 + 3

decimals)
- amount on which % is calculated 15 pos N (12 + 3)
- percent 12 pos N (4 + 8)
- minimum 1 pos AN
1 = minimum applicable
2 = minimum not
applicable
- equivalent in EUR 15 pos N (12 + 3)
52
107 Direct debit – DOM’80
- direct debit number 12 pos N

- central (pivot) date 6 pos N (DDMMYY)
- communication zone 2 x 15 pos AN
- paid or reason for refusal (1, 2, D & E) 1 pos AN
0 = paid
1 = direct debit
cancelled or non-
existent
2 = refusal – other
reason
D = payer disagrees
E = direct debit number
linked to another
identification number of
the creditor
- creditor's number 11 pos N
108 Closing
- equivalent in the currency of the account 15 pos N (12 + 3)

- interest rates, calculation basis 15 pos N
- interest 12 pos N (4 + 8)
- period from ... to ... 12 pos N
(DDMMYYDDMMYY)
111 POS credit – Globalization
- card scheme: Bancontact/Mister Cash = 1 1 pos N

Private = 2;Maestro = 3; TINA = 5; Other = 9
- POS number 6 pos AN
- period number 3 pos N
- sequence number of first transaction 6 pos N
- date of first transaction (DDMMYY) 6 pos N
- sequence number of last transaction 6 pos N
- date of last transaction (DDMMYY) 6 pos N
- transaction type (0 = cumulative, 1 pos N
1 = withdrawal, 2 = cumulative on network, 7 = distribution sector, 8 = teledata,
9 = fuel)
- identification of terminal (16 = name, 10 = locality) 26 pos AN (16 + 10)
53
113 ATM/POS debit
- card number 16 pos N

- card scheme: 1 pos N
Bancontact/Mister Cash = 1
Maestro = 2
Private = 3
Other = 9
- terminal number 6 pos N
- sequence number of transaction 6 pos N
- date of transaction (DDMMYY) 6 pos N
- hour of transaction (HHMM) 4 pos N
- transaction type 1 pos N
1 = withdrawal,
2 = Proton loading
3 = reimbursement
Proton balance
4 = reversal of purchases
7 = distribution sector
8 = teledata,
9 = fuel
- identification of terminal (16 = name, 10 = town/city) 26 pos AN (16 + 10)
- original amount 15 pos N (12 + 3)
- rate 12 pos N (4 + 8)
- currency 3 pos AN ISO
- volume 5 pos N (3 + 2)
- product code 2N
01 = premium with lead
substitute
02 = europremium
03 = diesel
04 = LPG
06 = premium plus 98
oct
07 = regular unleaded
08 = domestic fuel oil
09 = lubricants
10 = petrol
11 = premium 99+
12 = Avgas
16 = other types
- unit price 5 N (2 + 3)
54
114 POS credit - individual transaction
- card scheme: Bancontact/Mister Cash = 1; 1 pos N

Maestro = 2; Private = 3; TINA = 5; Other = 9
- POS number 6 pos AN
- period number 3 pos N
- date of transaction (DDMMYY) 6 pos N
- hour of transaction (HHMM) 4 pos 1
- transaction type 1 pos N
1 = withdrawal
7 = distribution sector
8 = teledata
9 = fuel
- identification of terminal (16 = name; 10 = town/city) 26 pos AN (16 + 10)
- reference of transaction 16 pos AN
115 Terminal cash deposit
- card number 16 pos N

- card scheme Private = 2 1 pos N
Other = 9
- terminal number 6 pos N
- payment day (DDMMYY) 6 pos N
- hour of payment (HHMM) 4 pos N
- validation date (DDMMYY) 6 pos N
- sequence number of validation 6 pos N
- original amount (given by the customer) 15 pos N (12 + 3)

- conformity code or blank 1 pos AN
- identification of terminal (16 = name, 10 = locality) 26 pos AN (16 + 10)
- message (structured of free) 12 AN
121 Commercial bills
- amount of the bill 15 pos N (12 + 3)

- maturity date of the bill (DDMMYY) 6 pos N
- conventional maturity date ( conventional maturity 6 pos N (DDMMYY)
for periodic discounts)
- date of issue of the bill (DDMMYY) 6 pos N
- company number 11 pos N (0 + company
number)
- currency 3 pos AN ISO currency code
- blanks 3 pos AN
- number of the bill 13 pos AN
- exchange rate 12 pos N (4 + 8)
55
122 Bills - calculation of interest
- number of days 4 pos N

- interest rate 12 pos N (4 + 8)
- basic amount of the calculation 15 pos N (12 + 3)
- minimum rate 1 pos AN
2 = minimum not
applicable
- number of the bill 13 pos AN
- maturity date of the bill (DDMMYY) 6 pos N
123 Fees and commissions
- starting date (DDMMYY) 6 pos N

- maturity date (DDMMYY) if guarantee without 6 pos N
fixed term: 999999
- basic amount 15 pos N (12 + 3)
- percentage 12 pos N (4 + 8)
- term in days 4 pos N
- minimum rate 1 pos AN
2 = minimum not
applicable
- guarantee number (no. allocated by the bank) 13 pos AN
124 Number of the credit card
- card number 20 pos AN

- issuing institution: 1 pos AN
1 = Mastercard
2 = Visa
3 = American Express
4 = Diners Club
9 = Other
- invoice number (is used when the credit card issuer allocates a 12 pos AN
sequence number to the invoices)
- identification number (is used for credit card issuers 15 pos AN
who centralize the information on the card(s) under the client
identification number)
- date 6 pos AN
125 Credit
- account number of the credit 12 pos N

- extension zone of account number of the credit 15 pos AN
- old balance of the credit 15 pos N (12 + 3)
- new balance of the credit 15 pos N (12 + 3)
- amount (equivalent in foreign currency) 15 pos N (12 + 3)
- currency 3 AN (ISO
currency code)
- end date (DDMMYY) 6 pos N
- nominal interest rate or rate of charge 12 pos N (4 + 8)
- reference of transaction on credit account 13 pos AN
56
126 Term investments
- deposit number 15 pos AN

- deposit amount 15 pos N (12 + 3)
- equivalent in the currency of the account 15 pos N (12 + 3)
- end date (DDMMYY) 6 pos N
- interest rate 12 pos N (4 + 8)
- amount of interest 15 pos N
- currency 3 AN (ISO currency
code)
- rate 12 pos N (4 + 8)
127 European direct debit (SEPA)
Settlement Date 6N DDMMJJ
Type Direct Debit 1N 0 : unspecified

1 : recurrent
2 : one-off
3 : 1-st (recurrent)
4 : last (recurrent)
Direct Debit scheme 1N 0 : unspecified
1 : SEPA core
2: SEPA B2B
Paid (0) or reason for refusal (1-4) 1N 0 : paid
1 : technical problem
2 : refusal: reason not specified
3 : debtor disagrees
4 : debtor’s account problem
Creditor’s identification code 35AN
Mandate reference 35AN
Communication 62AN
Type of R transaction 1N 0 : paid

1 : reject
2 : return
3 : refund
4 : reversal
5 : cancellation
Reason 4AN See appendix II
57
Appendix IX - SWIFT format reference
In the definition of format of each message, tags are used
as described in the SWIFT User Handbook.
Tag content may be composed of one or several

subfields. Length and content is defined for each tag. In
order to specify length of different tags the following is
used:
Restrictions on Length
nn Maximum length
nn! Fixed length
n*nn Maximum number of lines times maximum line length
Types of Characters Allowed
n Numeric digits [0..9] only

x Any character of the SWIFT character set
For example:
2n = up to 2 digits
6*65x = up to 6 lines of up to 65 characters each
All tags shown in uploaded files are also validated

against their presence. The status of tags is shown below:
Status Meaning
M Mandatory
O Optional
SWIFT character set

SWIFT uses the ISO level B character set with certain restrictions.
The following characters are permitted:
 abcdefghijklmnopqrstuvwxyz
 ABCDEFGHIJKLMNOPQRSTUVWXYZ
 0123456789
 / - ? ( ) . , +’{ } : Space
58
AppendixX-SEPA transaction examples
To be completed
59
More information
For more information about the ING

MT940 structured format description,
please contact your ING account
manager
INN2655590214
60

Ing Mt940 Structured Format Description

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ING

February 2014 (V3.0)

The MT940 Customer Statement Message is a standard SWIFT

The channels in scope are: Isabel 6, FTP, SWIFT (FIN – Fileact),

The present layout is based on SWIFT Standards FIN, Category 9,

This format description is relevant for the following countries:

Appendix I - SWIFT Transaction Codification 12

Appendix II - ISO Return Reason codes 14

Appendix III - Examples various transaction types 16

Appendix IV - Examples various transaction types 20

Appendix V - Belgian Reporting Transaction Codification 22

Appendix VI - Transaction Codification for ING branches:

Appendix VII - Transaction Codification for FR (CFONB) 50

Appendix VIII - The structured format communications 52

Appendix IX - SWIFT format reference 58

Appendix X - SEPA transaction examples 59

This Message Implementation Guide (MIG) for the ING

Structured reporting format (MT940)

To assist legibility and printing, all records are

A MT940 file can contain one or more messages.

MT940 Status Tag Name Repeat

Message heading Section 1

Customer Statement Message Section 1

Entries Section 0-n

M 62A Closing Balance (Booked Funds)

O 65 Forwarded Available Balance 0-n

O 86 Information to Account Owner

Message Trailer Section

Standard SWIFT message header and trailer is used.

Tag 20 Transaction Reference Number (TRN)

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Tag 4!x :20:

Tag 25 Account Identification

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Tag 4!x :25:

Tag 28C Statement Number

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Tag 5!x :28C:

Tag 60A Opening Balance

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Tag 5!x :60A: F: First opening balance, M:

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Tag 4!x :61:

Tag 86 Information to account owner

Note: This tag can be subject to further improvements and therefore

Tag 4!x :86: ((only the first line starts with a

General remarks (:86:)

For examples of messages see appendix X SEPA Transaction Examples

The following code words can be used in Tag 86:

Codeword Explanation Sub field Remark

/CREF/1) Client Reference (35x) <ClientReference>/

/EREF/1) End to End Reference <EndToEndReference>/

/CNTP/ Counter Party <AccountNumber>/ AccountNumber (34x)

/REMI/ Remittance Info (156x) Unstructured: See Appendix VIII

/SVCL/ Service Level Code <ServiceLevelCode>/

/ULTD/2) Ultimate Debtor <Name>/<ID>/ Name (70x)

/CSID/ Creditor ID (35x) <CreditorId>/

/ISDT/ Settlement Date (8x) <SettlementDate>/ Format <YYYYMMDD>

1) Codeword only reported if reference is available

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Tag 5!x :62A: F: Final closing balance, M:

Tag 64 Closing available balance

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Tag 5!x :64: