SEPA INFORMATION EXCHANGE - IBOS · PDF fileSEPA INFORMATION EXCHANGE Transitional Provisions,...

SEPA INFORMATION EXCHANGE Transitional Provisions, Additional Optional Services, and other complications for the migration

July 2013

INTERNATIONAL BANKING ASSOCIATION

Member Bank Country Group

Banco Santander Spain Santander

Banco Santander Totta SA Portugal Santander

Bank Zachodni Poland Santander

HSBC France France HSBC

UniCredit Bank AG Germany UniCredit

Intesa Sanpaolo SpA Italy Intesa

JPMorgan Chase Bank NA North America JPMorgan

KBC Bank NV Belgium KBC

Nordea Bank Denmark A/S Denmark Nordea

Royal Bank of Scotland UK RBS

PNC Bank, National Association North America PNC

Silicon Valley Bank North America Silicon Valley Bank

US Bank National Association North America US Bank

Associate Member Bank Country Group

Santander Mexico Mexico Santander

Santander Chile Chile Santander

UniCredit Bank Austria AG Austria UniCredit

CJSC Unicredit Bank Russia Russia UniCredit

Unicredit S.p.A Italy UniCredit

Unicredit Tiriac Bank Romania UniCredit

Banka Koper Slovenia Intesa

Sanpaolo Network Banks Italy Intesa

Ceskoslovenska obchodni banka, a. s. Czech Republic KBC

CIBANK JSC Bulgaria KBC

CSOB Slovakia Slovakia KBC

K&H Bank Hungary KBC

KBC Bank NV Nederland Netherlands KBC

Nordea Bank AB (publ) Sweden Sweden Nordea

Nordea Bank Finland plc Finland Nordea

Nordea Bank Norge ASA Norway Nordea

Ulster Bank Ireland RBS

MEMBER & ASSOCIATE BANKS

ContentsAustria ................................................................................................... 4Belgium ................................................................................................ 7Bulgaria ................................................................................................ 10Czech Republic ............................................................................... 13Finland .................................................................................................. 16France ..................................................................................................... 19Germany ............................................................................................... 23Hungary ................................................................................................ 26Ireland .................................................................................................... 29Italy ........................................................................................................... 32Netherlands ....................................................................................... 36Poland .................................................................................................... 39Portugal ................................................................................................ 42Romania ............................................................................................... 45Slovakia ................................................................................................. 48Slovenia ................................................................................................ 51Spain ........................................................................................................ 54

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INTERNATIONAL BANKING ASSOCIATION

SEPA INFORMATION EXCHANGE

AUSTRIAUpdate June 2013Comments

4 IBOS SEPA Information Exchange

Topics Response Comments

GENERAL INFORMATION

EU EURO country (yes/no) yes

EU NON-EURO country (yes/no) no

End date national formats 1. National formats for domestic - Edifact V3 and cross border pay-ments - Paymul

2. Paper based transac-tions which could not be fully translated into a Paymul -ATIB (niche product)

1. Domestic payments: phased out 31.01.2014 and cross border payments: 20162. 31.01.2016

National migration law (yes/no and if yes draft/final)

Country specifics

niche products (products with less than 10% payments volumes per country)

yes Image data carrier

national product with different migration date yes Paper based transactions which could not be translated into SEPA transactions (ATIB)

IBAN-only (national) as per Directive ELV: card related direct debit - electronic DD initiated by means of a payment card at POS

IBAN-only (cross border) as per Directive final

IBAN-conversion

conversion tools offered by the bank no

conversion tools offered by third party yes STUZZA, in batch modus for customer master data

Out of SEPA scope

remaining formats & payment types yes ELV: card related direct debit - electronic DD initiated by means of a payment card at POS

remaining reporting formats yes

SEPA PRODUCTS

SCT

Specifics regarding the following payment types:

tax payments yes Specific formatting of RI

salary payments yes Tag in category purpose, no specific processing

government payments no Not specific in the current scheme

on behalf payments yes

intercompany payments (INTC) no Non-SEPA product

others or special category purposes yes Cash payment delivered by postman

COT (latest receiving time) (CET) Domestic: 16:00

Cross border: 13:00

AOS (CT related) no

SDD

General information

Creditor Identification (CI) yes The Austrian CI can be obtained via UniCredit Bank Austria AG and is issued by the Austrian Central Bank. The prerequisite for its allocation is for the creditor to have its main residence / office in Austria. A CI issued by the Austrian Central Bank can be used in all SEPA countries.

IBOS SEPA Information Exchange 5


mandate migration yes

account generally blocked for SDD no

debtor profiling yes

Core SDD (D - 5 / D - 2)

active yes

passive yes

Core SDD - 1 yes

interchange fees for SDD no

return fee yes

COT (CET) 13:00 D-6 / D-3

AOS (Core related) no

B2B SDD

active yes

passive yes


return fee yes

COT 13:00 D-2

AOS (B2B related) no

SEPA FORMATS

country specific format yes STUZZA format, alined with ISO

EPC-format supported no Under evaluation

SEPA CLEARING

EBA PARTICIPANT (direct/indirect via…) direct

National Clearing House yes

use of same-day cycles for SCT no

CHANNELS

SCT

Paper-based yes

Single Payment

via Internet-Banking Retail yes

via Telefon-Banking no

via Internet-Banking Corporates yes

via PC-Banking Corporates yes

via PC-Banking Retail/SC yes

Bulk Payments Corporates

sending XML-payment-files yes

data input in EB-system possible yes

standing Order no

Forwarding service via centralized hub yes Via EuropeanGate within UniCredit

B2B / CORE

Paper-based no

Single Payment

via Internet-Banking Retail no


via Internet-Banking Corporates no


via PC-Banking Retail/SC no




Forwarding service via centralized hub yes Via European Gate within UniCredit



HOST-TO-HOST

HOST-TO-HOST yes

SWIFTNet FIN

SWIFTNet FIN (via SCORE / MA-CUG) SCORE and MA-CUG

SWIFTNet FileAct

SWIFTNet FileAct (via SCORE / MA-CUG) SCORE and MA-CUG

Local EB solution (e.g. Isabel, MultiCash,…)

Local EB solution (yes / no, if yes please mention..) (like Isabel, Multicash, etc)

yes

REPORTING

CAMT 053 (ISO 20022 / end of day)

sending no Planned for Q2 2013

receiving from other banks and forwarding via the local EB

no Planned for Q2 2013

CAMT 052 (ISO 20022 / intra-day)


receiving from other banks and forwarding via local EB no Planned for Q2 2013

MT940 transaction type codes no Planned for Q2 2013

CAMT 054 (ISO 20022 / debit or credit notification file)

presenter side / collection side no Planned for Q2 2013

bulking incoming payments no Planned for Q2 2013

r-messages no Planned for Q2 2013

BSB / CAMT 086 (ISO 20022 / monthly comissions and fees reporting)

BSB / CAMT 086 available no

pain.002 (error / status reporting message)

error-message / pre-settlement inhouse no

pre-settlement - Clearing-house/debtor bank (pacs.002)

no

ADDITIONAL OPTIONAL SERVICES

please describe the adopted additional services (e.g. SEDA for Italy)

N/A

VALUE ADDED SERVICES

Creditor Mandate Management tool no

eMandate no

conversion of legacy formats to XML no

client-Test-Tools yes STUZZA XML checker

IBOS SEPA Information Exchange 77 IBOS SEPA Information Exchange


GENERAL INFORMATION



End date national formats 1. National format for domestic direct debits = DOM80

2. National format for credit transfer = CIRI01

(3. Cards)

1. 31.01.20142. 31.01.2014(3. 31.01.2014)

National migration law (yes/no and if yes draft/final) yes final

Country specifics

niche products (products with less than 10% payments

volumes per country)

no

national product with different migration date no

IBAN-only (national) 31/01/2014

IBAN-only (cross border) 31/01/2016 SDD: KBC Belgium will implement it already on 01.02.2014

IBAN-conversion

conversion tools offered by the bank yes www.kbc.be

conversion tools offered by third party no

Out of SEPA scope

remaining formats & payment types cheques, drafts

remaining reporting formats MT 940, CODA

SEPA PRODUCTS

SCT


tax payments no

salary payments yes

government payments no

on behalf payments yes e.g. social secretariats pay on behalf of employers

intercompany payments (INTC) yes

others or special category purposes no

COT (latest receiving time) (CET) 13:30 for file based transac-tions

AOS (CT related) yes Use of Belgian Structured Reference

SDD

General information

Creditor Identification (CI) yes Issued by the creditor’s bank.Based on enterprise number, Business Entity Identification number or to be created by KBC

mandate migration yes For core SDD; for SDD B2B always new mandates

account generally blocked for SDD no Account could be blocked on demand


Core SDD (D - 5 / D - 2)

active yes

passive yes

Core SDD - 1 no

BELGIUMUpdate June 2013Comments

8 IBOS SEPA Information Exchange IBOS SEPA Information Exchange 8


interchange fees for SDD no 01.11.2012: prohibition on MIF for cross border SDD01.02.2017: prohibition on MIF for national SDD

return fee no

COT (CET) D if delivered before 08:00, at the latest next busi-ness day


B2B SDD

active yes

passive yes


return fee no

COT D if delivered before 08:00, at the latest next busi-ness day


SEPA FORMATS

country specific format no

EPC-format supported yes

SEPA CLEARING



use of same-day cycles for SCT yes

CHANNELS

SCT

Paper-based yes

Single Payment




via PC-Banking Corporates yes Wise, Isabel, KBC O4B, Swift4Corp





standing Order yes

Forwarding service via centralized hub no

B2B / CORE

Paper-based no

Single Payment










HOST-TO-HOST

HOST-TO-HOST yes

SWIFTNet FIN




SWIFTNet FileAct



Local EB solution (yes / no, if yes please mention..) (like

Isabel, Multicash, etc)

yes Isabel

REPORTING



receiving from other banks and forwarding via the

local EB

no



receiving from other banks and forwarding via local EB no Planned for 2014

MT940 transaction type codes no Planned for Q4 2014


presenter side / collection side no Planned for Q1 2014

bulking incoming payments no Planned for Q1 2014

r-messages no Planned for Q1 2014





pre-settlement - Clearing-house/debtor bank

(pacs.002)

no


please describe the adopted additional services (e.g.

SEDA for Italy)

N/A


Creditor Mandate Management tool yes

eMandate no Under investigation at national level - ongoing project

conversion of legacy formats to XML yes Via Sentenial

client-Test-Tools yes XMLtest tool


BULGARIAUpdate June 2013Comments


GENERAL INFORMATION

EU EURO country (yes/no) no

EU NON-EURO country (yes/no) yes

End date national formats N/A

National migration law (yes/no and if yes draft/final) no

Country specifics

niche products (products with less than 10% payments volumes per

country)no



IBAN-only (cross border) 01/06/2005

IBAN-conversion



Out of SEPA scope

remaining formats & payment types yes


SEPA PRODUCTS

SCT


tax payments no

salary payments no


on behalf payments no

intercompany payments (INTC) yes For EURO payments only


COT (latest receiving time) (CET) 15:00

AOS (CT related) no

SDD

General information

Creditor Identification (CI) no

mandate migration no


debtor profiling no

Core SDD (D - 5 / D - 2)

active no

passive no

Core SDD - 1 no


return fee no

COT (CET)




B2B SDD

active no

passive yes


return fee yes

COT 09:45 D-2


SEPA FORMATS

Country specific format no


SEPA CLEARING

EBA PARTICIPANT (direct/indirect via…) indirect



CHANNELS

SCT

Paper-based no

Single Payment





via PC-Banking Retail/SC N/A




standing Order no


B2B / CORE

Paper-based no

Single Payment




via PC-Banking Corporates no



sending XML-payment-files no

data input in EB-system possible no


HOST-TO-HOST

HOST-TO-HOST no

SWIFTNet FIN

SWIFTNet FIN (via SCORE / MA-CUG) MA-CUG

SWIFTNet FileAct

SWIFTNet FileAct (via SCORE / MA-CUG) MA-CUG




Local EB solution (yes / no, if yes please mention..) (like Isabel, Multi-

cash, etc)yes

REPORTING


Sending no

Receiving from other banks and forwarding via the local EB no


Sending no


MT940 transaction type codes no


Presenter side / collection side no

bulking incoming payments no

r-messages no





pre-settlement - Clearing-house/debtor bank (pacs.002) no


please describe the adopted additional services (e.g. SEDA for Italy) N/A



eMandate no


client-Test-Tools no


CZECH REPUBLICUpdate June 2013Comments


GENERAL INFORMATION





Country specifics


country)

no

national product with different migration date yes

IBAN-only (national) no

IBAN-only (cross border) 31/01/2016 A national migration plan is not yet

available, to be expected based on

the Regulation 260/2012

IBAN-conversion



Out of SEPA scope

remaining formats & payment types yes Local domestic clearing & foreign

payments format

remaining reporting formats yes SWIFT - MT9xx

SEPA PRODUCTS

SCT


tax payments no

salary payments no


on behalf payments yes Via remittance information

intercompany payments (INTC) no



AOS (CT related)

SDD

General information

Creditor Identification (CI) yes Provided by the Czech National

Bank

mandate migration no Domestic direct debits are denomi-

nated in CZK

account generally blocked for SDD yes All EURO accounts


Core SDD (D - 5 / D - 2)

active no

passive yes

Core SDD - 1 no




return fee yes

COT (CET)


B2B SDD

active yes

passive yes


return fee yes

COT 18:00 D-2, MultiCash only


SEPA FORMATS



SEPA CLEARING

EBA PARTICIPANT (direct/indirect via…) indirect UCB Austria

National Clearing House no


CHANNELS

SCT

Paper-based yes

Single Payment


via Telefon-Banking yes


via PC-Banking Corporates yes MultiCash (technical issues in solu-

tion), Eltrans possible





standing Order no

Forwarding service via centralized hub yes via EuropeanGate within UniCredit

B2B / CORE

Paper-based no

Single Payment




via PC-Banking Corporates yes MultiCash only






HOST-TO-HOST

HOST-TO-HOST no

SWIFTNet FIN

SWIFTNet FIN (via SCORE / MA-CUG) SCORE



SWIFTNet FileAct

SWIFTNet FileAct (via SCORE / MA-CUG) SCORE Via EuropeanGate



cash, etc)

yes MultiCash (technical issue in solu-

tion), Eltrans possible

REPORTING


Sending no Planned for 2014





MT940 transaction type codes yes




r-messages no


BSB / CAMT 086 available yes Via EuropeanGate


error-message / pre-settlement inhouse yes via EuropeanGate

pre-settlement - Clearing-house/debtor bank (pacs.002) yes via EuropeanGate





eMandate no

conversion of legacy formats to XML no No immediate plan



FINLANDUpdate June 2013Comments


GENERAL INFORMATION



End date national formats SCT 10/2011 SDD 02/2014 SCT already 100% migrated. No

high-volume predecessor national

scheme to SDD


Country specifics


country)

yes Domestic express payment, but can

be made in XML-format


IBAN-only (national) yes

IBAN-only (cross border) yes In Europe

IBAN-conversion no

conversion tools offered by the bank yes Customer can send file of Finnish

BBAN numbers and receive IBAN

numbers

conversion tools offered by third party yes

Out of SEPA scope

remaining formats & payment types yes SDD creditor services

remaining reporting formats no

SEPA PRODUCTS

SCT


tax payments no

salary payments yes “SALA” code




others or special category purposes yes Example:

‹STDY› - study

‹BECT› - ChildBenefit

‹PENS› - PensionPayment

‹BENE› - Unemployment

DisabilityBenefit

COT (latest receiving time) (CET) EET 18:30

AOS (CT related) AOS 1

AOS 2

SDD

General information Under development

Creditor Identification (CI) yes Depending on mandate type

mandate migration yes for accounts in Nordea in Germany


debtor profiling no



Core SDD (D - 5 / D - 2)

active no

passive yes For private customers as debtors

Core SDD - 1 N/A

interchange fees for SDD N/A

return fee N/A

COT (CET) N/A

AOS (Core related) N/A

B2B SDD

active no Under development

passive no


return fee no

COT N/A

AOS (B2B related) N/A

SEPA FORMATS

Country specific format no Pain.001


SEPA CLEARING




CHANNELS

SCT

Paper-based yes

Single Payment









standing Order yes

Forwarding service via centralized hub yes

B2B / CORE

Paper-based no

Single Payment












HOST-TO-HOST

HOST-TO-HOST yes

SWIFTNet FIN


SWIFTNet FileAct




cash, etc)

yes Nordea proprietary and third party

EB solution

REPORTING


Sending yes



Sending no





bulking incoming payments yes

r-messages yes Local DD returns




error-message / pre-settlement inhouse yes

pre-settlement - Clearing-house/debtor bank (pacs.002) yes


please describe the adopted additional services (e.g. SEDA for Italy) Two pieces of AOS were de-

fined: (1) Tax Payment Date

(2) ISO Corporate Reference.

AOS1 and AOS2 see EPC. (2) ISO

Corporate Reference was later

incorporated into the EPC Core

Scheme



eMandate no


client-Test-Tools yes


FRANCEUpdate June 2013Comments



GENERAL INFORMATION



End date national formats yes National format for domestic payments:

CFONB


Country specifics

niche products (products with less than 10% payments

volumes per country)

yes TIP and Telerèglement




IBAN-conversion

conversion tools offered by the bank yes


Out of SEPA scope

remaining formats & payment types yes CFONB160 (for non-SEPA eligible as treasury

and priority payments in EURO)

CFONB160 (LCR and BOR and Telerèglement)

CFONB240 (TIP)

CFONB320 for cheques

CFONB320PI (for non-SEPA eligible as cross

border payments in currency, treasury pay-

ments and priority payments)

remaining reporting formats yes CFONB120

MT940

SEPA PRODUCTS

SCT


tax payments no

salary payments no






13:30

ABE STEP2 CSM: 13:00

STET CSM: 13:30

AOS (CT related) yes From STET CSM

- SEPA Credit Transfer Reversal

- SEPACOM (for the French Pacific overseas

Territories outside the SEPA area)

- SCT CAI service (Change Account

Information)

From EBA CSM


Information)

SDD



General information

Creditor Identification (CI) yes French Central Bank / Banque de France


account generally blocked for SDD yes Account could be blocked on demand

debtor profiling no

Core SDD (D - 5 / D - 2)

active yes

passive yes

Core SDD - 1 no

interchange fees for SDD yes From 01.09.2013 onwards, only for SDD

R-messages.

return fee no

COT (CET) 11:00

19:00

ABE STEP2 CSM: 11:00

STET CSM: 19:00

AOS (Core related) yes From STET CSM

- SEPACOM (for the French Pacific overseas

Territories outside the SEPA area)

- Core Direct Debit Cancellation

- Core SDD CAI service (Change Account

Information)

From EBA CSM

- Core SDD Request For Cancellation


Information)

B2B SDD

active yes

passive yes

interchange fees for SDD yes From 01.09.2013 onwards, only for SDD

R-messages.

return fee no

COT 12:00

AOS (B2B related) yes From STET CSM

- B2B Direct Debit Cancellation

- B2B SDD CAI service (Change Account

Information)

From EBA CSM

- B2B SDD Request For Cancellation

- B2B SDD CAI service (Change Account

Information)

SEPA FORMATS


EPC-format supported yes ISO20022 XML

SEPA CLEARING


National Clearing House yes STET CSM


CHANNELS

SCT

Paper-based yes

Single Payment











standing Order no


B2B / CORE

Paper-based no

Single Payment










HOST-TO-HOST

HOST-TO-HOST yes

SWIFTNet FIN

SWIFTNet FIN (via SCORE / MA-CUG) no

SWIFTNet FileAct

SWIFTNet FileAct (via SCORE / MA-CUG) yes SCORE and MA-CUG


Local EB solution (yes / no, if yes please mention..) (like

Isabel, Multicash, etc)

no

REPORTING


Sending yes Via SWIFTNet FileAct



Sending yes




Presenter side / collection side yes


r-messages yes

BSB / CAMT 086 (ISO 20022 / monthly comissions and fees

reporting)








please describe the adopted additional services (e.g. SEDA

for Italy)

Provided by STET CSM for SCT payments

- SEPA Credit Transfer Reversal

- SEPACOM (For French Pacific overseas

Territories outside SEPA area)


Information)

Provided by STET CSM and for SDD Core

& B2B payments

- SEPACOM (For French Pacific overseas

Territories outside SEPA area)

- Core Direct Debit Cancellation


Information)

Provided by EBA CSM for SCT payments


Information)

Provided by EBA CSM and for SDD Core

& B2B payments

- Core SDD Request For Cancellation


Information)



eMandate no

conversion of legacy formats to XML yes Only for SCT




GENERAL INFORMATION



End date national formats 1. National formats like ‹Überweisung›, ‹Einzugsermächtigungslastschrift› and ‹Abbuchungsauftrag›, supporting DTAUS, will be migrated to SCT, respec-tively SDD

2. National format for foreign payments - DTAZV (out of SEPA scope)

1. 31.01.2014 2. No end date


Country specifics

niche products (products with less than 10% payments volumes per country)

no

national product with different migration date yes ELV: card related direct debit - electronic DD initiated by means of a payment card at POS



IBAN-conversion

conversion tools offered by the bank yes Only for UniCredit accounts

conversion tools offered by third party yes Bankverlag

Out of SEPA scope

remaining formats & payment types yes ELV: card related direct debit - electronic DD initiated by means of a payment card at POS, based on DTA (national legacy format)

remaining reporting formats yes MT940 & DTI

SEPA PRODUCTS

SCT


tax payments no Solution via category purpose

salary payments no Solution via category purpose

government payments no Solution via category purpose

on behalf payments no Solution via category purpose

intercompany payments (INTC) no Solution via category purpose



AOS (CT related) no

SDD

General information

Creditor Identification (CI) yes Provided online by the German Central Bank via webpage: https://extranet.bundesbank.de/scp/

mandate migration yes Since Juli 2012 for core SDD

account generally blocked for SDD no Account could be blocked on demand


Core SDD (D - 5 / D - 2)

GERMANYUpdate June 2013Comments Draft



active yes

passive yes

Core SDD - 1 yes Unicredit Bank AG is supporting D-1 since the 19th of November 2012; an agreement at German Banking Community level is expected for November 2013


return fee yes There is currently a EURO 3 multilateral interchange fee (MIF) as a return fee / item which the creditor bank must pay to the debtor bank; the fee is passed on to the creditor. The end date for this fee is 31 Janu-ary 2014, afterwards it is planned to have an Unilateral Fee which is not fixed yet.

COT (CET) 12:00 D-6 / D-3/ D-2 (first, recurrent, D-1)


B2B SDD

active yes

passive yes


return fee yes There is currently a EURO 3 multilateral interchange fee (MIF) as a return fee / item which the creditor bank must pay to the debtor bank; the fee is passed on to the creditor. The end date for this fee is 31 Janu-ary 2014, afterwards it is planned to have an Unilateral Fee which is not fixed yet.

COT 12:00 D-2


SEPA FORMATS

country specific format yes DK format (local German customer bank format, valid for all banks and customers in Germany)


SEPA CLEARING


National Clearing House yes German Central Bank


CHANNELS

SCT

Paper-based yes

Single Payment









standing Order yes


B2B / CORE

Paper-based no

IBOS SEPA Information Exchange 2525 IBOS SEPA Information Exchange – Germany


Single Payment










HOST-TO-HOST

HOST-TO-HOST yes

SWIFTNet FIN


SWIFTNet FileAct



Local EB solution (yes / no, if yes please mention..) (like Isabel, Multicash, etc)

yes UC eBanking prime, HVB TRXNet, Multicash - all prepared for SEPA

REPORTING


sending yes

receiving from other banks and forwarding via the local EB

no


sending yes

receiving from other banks and forwarding via local EB no



presenter side / collection side yes

bulking incoming payments yes

r-messages yes


BSB / CAMT 086 available yes



pre-settlement - Clearing-house/debtor bank (pacs.002)

yes


please describe the adopted additional services (e.g. SEDA for Italy)

N/A



eMandate no

conversion of legacy formats to XML yes In order to support clients to enrich the legacy formats we offer the UC eMandate Manager



HUNGARYUpdate June 2013Comments


GENERAL INFORMATION





Country specifics


country)

no




IBAN-conversion



Out of SEPA scope

remaining formats & payment types yes Local currency payments

remaining reporting formats no

SEPA PRODUCTS

SCT


tax payments no

salary payments no






AOS (CT related)

SDD

General information

Creditor Identification (CI) yes Giro Zrt. (giro.hu)


account generally blocked for SDD yes

debtor profiling no

Core SDD (D - 5 / D - 2)

active no

passive yes

Core SDD - 1 no


return fee no

COT (CET) 12:30 D-5 / D-2




B2B SDD

active no

passive yes


return fee no

COT 12:30 D-5 / D - 2


SEPA FORMATS

Country specific format yes For HUF credit transfers there is a SCT based

format (HCT)


SEPA CLEARING




CHANNELS

SCT

Paper-based no

Single Payment









standing Order no


B2B / CORE

Paper-based no

Single Payment










HOST-TO-HOST

HOST-TO-HOST no

SWIFTNet FIN

SWIFTNet FIN (via SCORE / MA-CUG) no Only as a Target Location via EuropeanGate

SWIFTNet FileAct

SWIFTNet FileAct (via SCORE / MA-CUG) no Only as a Target Location via EuropeanGate





cash, etc)

yes All e-banking products

(Spectra,SpectraNet,MultiCash) are prepared for

SCT

REPORTING


Sending yes Via e-banking



Sending no






r-messages no


BSB / CAMT 086 available no Only via UniCredit Bank AG who prepares it

based on MT940s


error-message / pre-settlement inhouse no In B2B space we can handle error messages






eMandate no

conversion of legacy formats to XML yes



IRELANDUpdate June 2013Comments


GENERAL INFORMATION



End date national formats 31.01.2014


Country specifics


country)

no


IBAN-only (national) 31/01/2016 Ireland has applied for a derrogation to continue

to use BIC until 2016


IBAN-conversion



Out of SEPA scope



SEPA PRODUCTS

SCT


tax payments no

salary payments no





COT (latest receiving time) (CET) 18.00 for receiving

21.00 for sending

Ireland will be using the ‘00 cycle’

AOS (CT related) no

SDD

General information

Creditor Identification (CI) yes Centrally provided by NASO (IPSO for Ireland)



debtor profiling

Core SDD (D - 5 / D - 2)

active yes

passive yes

Core SDD - 1 no Irish industry agreement is D - 2 is the latest

submission time for recurring DDs


return fee yes



COT (CET) D-6 / D-3

(first, recurrent)


B2B SDD

active no Ireland is not looking at a B2B service

passive no


return fee no

COT no


SEPA FORMATS



SEPA CLEARING




CHANNELS

SCT

Paper-based yes

Single Payment









standing Order yes


B2B / CORE

Paper-based no Ireland is not looking at B2B service

Single Payment










HOST-TO-HOST

HOST-TO-HOST yes

SWIFTNet FIN


SWIFTNet FileAct



SWIFTNet FileAct (via SCORE / MA-CUG) no



cash, etc)

no

REPORTING


Sending no



Sending no






r-messages no





pre-settlement - Clearing-house/debtor bank (pacs.002) yes Timing still to be confirmed by the national

community





eMandate yes




ITALYUpdate June 2013Comments


GENERAL INFORMATION



End date national formats 1. Wire transfers (Bonifico) used for

domestic transactions and salary

payments will be dismissed substi-

tuted by SCT

2. Foreign credit transfer used when

the beneficiary is located outside

the SEPA area or when the currency

is not EURO is not going to be af-

fected by SEPA migration

3. Tax payments cannot be

processed via SCT as they are per-

formed via F24 forms

4. Domestic collection scheme RID

will be replaced by SDD, while Ri.Ba.

is excluded from the migration

process but it is under discontinu-

ation risk.

1. 31.01.2014

RID mainly used in B2C, Ri.Ba mainly used in B2B

4. The applicability of existing RID mandates to SDD will start

from July 2013 onwards.

National migration law (yes/no and if yes

draft/final)

yes final

Country specifics

niche products (products with less than 10%

payments volumes per country)

yes RID finanziario (financial DD)

national product with different migration

date

no

IBAN-only (national) yes It is possible to credit/debit local customers' accounts just by

using the IBAN, no BIC required


IBAN-conversion

conversion tools offered by the bank no Mandatory IBAN as the only account identifier has already been

deployed in Italy since 2010 - IBAN conversion tools not needed

conversion tools offered by third party no Mandatory IBAN as the only account identifier has already been

deployed in Italy since 2010 - IBAN conversion tools not needed

Out of SEPA scope

remaining formats & payment types yes - RIBA will continue to exist at least until February 2016.

- foreign credit transfers used when the beneficiary is located

outside the SEPA area or when the currency is not EURO are not

going to be affected by the SEPA migration.

- tax payments cannot be processed via SCT as they are per-

formed via F24 forms.

For domestic direct debit collections, the local RID format with

an additional record can be handled until February 2016 in

customer-to-bank messages.

remaining reporting formats yes Bank-to-customer messages are formatted according to the

standard used for the customer-to-bank route.

Therefore, all payment types instructed in CBI standard will be

acknowledged and reported in the same CBI format.



SEPA PRODUCTS

SCT

Specifics regarding the following payment

types:

currently SCTs for amounts > 500 k EURO cannot be processed

(>500 k EURO transfers will be processed as urgent high value

payments aka BIR)

SCTs needs to be debited on a current account (cash settlement

is not possible)

tax payments yes

salary payments no Solution via category purpose





COT (latest receiving time) (CET) 16:00 COT depends on the specific channel contract (UniWeb/TLQ)

AOS (CT related) yes Routing of the SCT - procedure allowed if the payment instruc-

tions to be switched are received on a closed account

SDD

General information

Creditor Identification (CI) yes For the Italian banking community, the creditor identifier is a

code made of 23 digits:

• Digits 1-2: ISO country code for Italy (IT) as the country issuing

the creditor identifier.

• Digits 3-4: check digits calculated in compliance with the MOD

97-10 (ISO 7064) algorithm

• Digits 5-7: business code of the creditor, which is particularly

needed for companies with more than a branch. It can be cus-

tomized by the creditor and the standard value is “ZZZ”.

• Digits 8-23: national identifier for the creditor, which contains

the tax number assigned to the creditor by the Italian Tax Agen-

cy. The code is right-aligned, with 5 leading zeroes when the Tax

Number is either a temporary Tax Number or a VAT number (both

are 11-digits long).

mandate migration yes a new madate is required for B2B SDD. In case of Core SDD

scheme, if a RID mandate is already in place, no additional man-

date is required.

account generally blocked for SDD no account could be blocked on demand

debtor profiling yes the debtor indicated in the mandate should be the account

holder

Core SDD (D - 5 / D - 2)

active yes

passive yes

Core SDD - 1 no


return fee yes

COT (CET) COT in terms of hours for presenta-

tion of the file are N/A

D-6 (first or one-off)

D-3 recurring

AOS (Core related) yes The local set of AOS is still under discussion

B2B SDD

active yes

passive yes


return fee yes



COT COT in terms of hours for presenta-

tion of the file are N/A

D-2

AOS (B2B related) yes Local set of AOS still under discussion

SEPA FORMATS

Country specific format yes XML SEPA CBI

EPC-format supported no

SEPA CLEARING


National Clearing House yes TARGET2-Banca d’Italia

BI-COMP

use of same-day cycles for SCT no Planned for 2013

CHANNELS

SCT

Paper-based yes

Single Payment









standing Order no Not implemented yet


B2B / CORE

Paper-based no

Single Payment

via Internet-Banking Retail no Yes, if retail segment includes SME




via PC-Banking Retail/SC no Yes, if retail segment includes SME





HOST-TO-HOST

HOST-TO-HOST no

SWIFTNet FIN


SWIFTNet FileAct



Local EB solution (yes / no, if yes please men-

tion..) (like Isabel, Multicash, etc)

yes UniWeb - web-based eBanking platform

TLQ - client/server application

REPORTING


Sending yes To be released Q2 2013

IBOS SEPA Information Exchange 35 IBOS SEPA Information Exchange 35


Receiving from other banks and forwarding

via the local EB

no


Sending yes To be released Q2 2013

Receiving from other banks and forwarding

via the local EB

no


CAMT 054 (ISO 20022 / debit or credit notifi-

cation file)



r-messages no

BSB / CAMT 086 (ISO 20022 / monthly comis-

sions and fees reporting)

BSB / CAMT 086 available yes To be released Q2 2013

BSB not available


error-message / pre-settlement inhouse yes According to national standards (not ISO)

pre-settlement - Clearing-house/debtor bank

(pacs.002)

yes According to national standards (not ISO)


please describe the adopted additional ser-

vices (e.g. SEDA for Italy)

yes, Italian Banking Association

(ABI) currently offers SEDA process

for Italian banks only

- Routing of the SCT

- The implementation process of the SEDA service has to be

defined.

ABI is currently defining the mandate alignment service SEDA

which is an AOS for SDD schemes which aims at implementing

into SEPA the standard features of the Archives Electronic Align-

ment (AEA). It will never be mandatory for creditor customers.

For this reason, any customer could start processing SEPA DD

on the basis of existing RID mandates without using SEDA and,

optionally, decide to utilize it later or not at all.

Since SEDA is registered as an AOS, this could be made available

to the whole SEPA community but the procedure to exchange

electronic flows between a beneficiary and Italian debtors’ banks

through a SEDA provider located in a foreign country has not

been defined yet (banks have to be connected to the local clear-

ing house engine).


Creditor Mandate Management tool yes under development

eMandate yes the implementation of such service is still under discussion

conversion of legacy formats to XML yes Legacy formats = national formats



NETHERLANDSUpdate June 2013Comments


GENERAL INFORMATION



End date national formats 1. National format for domestic pay-

ments and domestic direct debits =

clieop03

2. National format for foreign pay-

ments = BTL91

1. 01/02/2014

2. Phased out 01/02/2014, but only

for EURO-denominated payments in

the SEPA area


Country specifics


country)

no




IBAN-conversion SDD: KBC Netherlands will

implement it already on 01.02.2014


conversion tools offered by third party yes www.ibanbicservice.nl

Out of SEPA scope

remaining formats & payment types cheques

remaining reporting formats MT 940

SEPA PRODUCTS

SCT


tax payments no

salary payments no





COT (latest receiving time) (CET) urgent SCT: 16:30

non-urgent domestic SCT: 15:30

non-urgent x-border SCT: D+1»

COT will change as of 08/2013

AOS (CT related) no

SDD

General information Specific SDD products: "Overhe-

idsincasso" and "Kansspel incasso-

éénmalig"

Creditor Identification (CI) Issued by the creditor's bank. Based

on the number issued by the Dutch

Chamber of Commerce (KVK).

mandate migration For core DD; for B2B always new

mandates

account generally blocked for SDD Account could be blocked on

demand



debtor profiling

Core SDD (D - 5 / D - 2)

active yes

passive yes

Core SDD - 1 no


return fee yes

COT (CET) D if delivered before 08:00, at the

latest next business day


B2B SDD

active yes

passive yes


return fee yes

COT D if delivered before 08:00, at the

latest next business day


SEPA FORMATS



SEPA CLEARING

EBA PARTICIPANT (direct/indirect via…) indirect Via KBC Belgium, both for SCT and

SDD

National Clearing House yes with clearing via KBC Belgium

use of same-day cycles for SCT yes: for urgent SCT payments,

D+1 for standard payments

Urgent SCTs are processed same-

day if received before 15:00

CHANNELS

SCT

Paper-based yes

Single Payment







sending XML-payment-files yes Equens CPS


standing Order yes


B2B / CORE

Paper-based no

Single Payment









sending XML-payment-files yes Equens CPS



HOST-TO-HOST

HOST-TO-HOST yes

SWIFTNet FIN


SWIFTNet FileAct




cash, etc)

yes Wise, Isabel, KBC O4B, Equens CPS:

all ready for SEPA

REPORTING


Sending no Planned for Q4 2013

Receiving from other banks and forwarding via the local EB no Planned for 2014



Receiving from other banks and forwarding via the local EB no Planned for 2014

MT940 transaction type codes no Planned for August 2013


Presenter side / collection side no Under investigation

bulking incoming payments no Under investigation

r-messages no Under investigation










eMandate no Under investigation at national level

- ongoing project

conversion of legacy formats to XML no Not planned for the time being



POLANDUpdate June 2013Comments


GENERAL INFORMATION



End date national formats 31/10/2016 Only for settlements in EURO


Country specifics

niche products (products with less than 10% payments volumes per country) no


IBAN-only (national) N/A

IBAN-only (cross border) N/A

IBAN-conversion



Out of SEPA scope



SEPA PRODUCTS

SCT


tax payments no

salary payments no






AOS (CT related) no

SDD

General information

Creditor Identification (CI) no



debtor profiling no

Core SDD (D - 5 / D - 2)

active no

passive no

Core SDD - 1 no


return fee no

COT (CET) N/A

AOS (Core related) N/A



B2B SDD

active no

passive no


return fee no

COT N/A

AOS (B2B related) N/A

SEPA FORMATS



SEPA CLEARING


National Clearing House yes KIR SA


CHANNELS

SCT

Paper-based yes

Single Payment



via Internet-Banking Corporates yes Via internet banking system Pekao-

BIZNES24

via PC-Banking Corporates yes Only via webservices Pekao CON-

NECT



sending XML-payment-files yes Only via webservices Pekao CON-

NECT


standing Order no


B2B / CORE

Paper-based no

Single Payment










HOST-TO-HOST

HOST-TO-HOST yes

SWIFTNet FIN


SWIFTNet FileAct





Local EB solution (yes / no, if yes please mention..) (like Isabel, Multicash, etc) yes Via internet banking system Pekao-

BIZNES24

REPORTING


Sending no



Sending no






r-messages no










eMandate no




PORTUGALUpdate June 2013Comments


GENERAL INFORMATION



End date national formats 31.01.2014


Country specifics



IBAN-only (national) 01/02/2016 Portugal will aplly a derrogation to

continue to use BIC until 2016


IBAN-conversion

conversion tools offered by the bank yes For national accounts


Out of SEPA scope

remaining formats & payment types

remaining reporting formats

SEPA PRODUCTS

SCT


tax payments no Solution via category purpose

salary payments no Solution via category purpose, but

companyes can use also the old

code (08)


companies can also use the old

code (13)



others or special category purposes no Solution via category purpose

COT (latest receiving time) (CET) domestic: 16:00

cross border: 12:00

AOS (CT related)

SDD

General information

Creditor Identification (CI) yes Portuguese Central Bank/SIBS

mandate migration yes A new madate is required for B2B

scheme. In case of Core scheme, no

additional mandate is required but

the creditor should use the same

mandate number when sending the

first collection

account generally blocked for SDD no Account could be blocked on

demand

debtor profiling no



Core SDD (D - 5 / D - 2)

active yes

passive yes

Core SDD - 1 no The portuguese community will

adopt it after the migration


return fee no Under discussion

COT (CET) 08:50 D-5 / D-2

(first / recurrent)

AOS (Core related) yes The mandates are available in the

ATM system. That means that the

debtors can change the mandate

(max. Amount, date, etc). The

Creditors receive a file with all the

changes in order to update their

systems. Centralized mandates data-

base (SIBS)

B2B SDD

active yes

passive yes


return fee no Under discussion

COT 08:50 D-2


SEPA FORMATS

Country specific format yes C2B format created by the Central

Bank and valid for all banks and

customers


SEPA CLEARING

EBA PARTICIPANT (direct/indirect via…) Direct

National Clearing House Portuguese Central

Bank


CHANNELS

SCT

Paper-based yes

Single Payment









standing Order yes

Forwarding service via centralized hub yes Via Santander Global Payments

B2B / CORE

Paper-based no

Single Payment










data input in EB-system possible yes End of 2013

Forwarding service via centralized hub yes Via Santander Global Payments

HOST-TO-HOST

HOST-TO-HOST yes

SWIFTNet FIN


SWIFTNet FileAct



Local EB solution (yes / no, if yes please mention..) (like Isabel, Multicash, etc) YES

REPORTING


Sending no



Sending no






r-messages no










eMandate no The portuguese community will

adopt this after the migration

conversion of legacy formats to XML yes Set. 2013



ROMANIAUpdate June 2013Comments


GENERAL INFORMATION




National migration law (yes/no and if yes draft/final) no Migration to SEPA standards under

discussion for National RON formats;

Draft regulation to be adopted

between banks and local ACH

Country specifics


national product with different migration date no National products (CT and DD in

RON) will be migrated to SEPA stan-

dards; local ACH changes to support

SEPA standards; SCT RON has been

supported since 02.11.2012, SDD to

be further discussed

IBAN-only (national) yes Mandatory since 2003 for RON

payments

IBAN-only (cross border) yes Payments initiation with non-IBAN

acccounts - will be accepted untill

the migration terms set by the SEPA

Regulation are met.

IBAN-conversion



Out of SEPA scope

remaining formats & payment types yes All national formats are in place

(ROI, ROA, custom direct debit files)

remaining reporting formats yes As requested by the National Bank

SEPA PRODUCTS

SCT


tax payments no It has been available for RON pay-

ments since 02.11.2012

salary payments no

government payments no It has been available for RON pay-

ments since 02.11.2012





AOS (CT related) no

SDD

General information

Creditor Identification (CI) yes Obtainable by applying the national

algorithm



mandate migration no For the time being EURO is not

discussed

account generally blocked for SDD yes The account is unblocked manu-

ally after the presentation of SDD

mandate copy

debtor profiling no

Core SDD (D - 5 / D - 2)

active yes

passive yes

Core SDD - 1 no


return fee yes

COT (CET) 11:00 D-5 FIRST / One-off

D-2 recurrent

AOS (Core related) Always mandate valida-

tion

Mandate Management

(MCH)

For SDD EURO: we always validate

SDD transaction against mandate.

MCH is available only on Multicash

B2B SDD

active yes

passive yes


return fee yes

COT 11:00 D-1

AOS (B2B related) Mandate Management

(MCH)

SEPA FORMATS

Country specific format


SEPA CLEARING

EBA PARTICIPANT (direct/indirect via…) indirect Via UniCredit Bank Austria

National Clearing House no TRASFOND is local ACH only for

SCT RON

use of same-day cycles for SCT no Local ACH same-day cycles used

only for RON SCT

CHANNELS

SCT

Paper-based no

Single Payment







sending XML-payment-files yes No bulk booking and posting, these

are done one by one


standing Order yes


(we are active side)



B2B / CORE

Paper-based no

Single Payment

via Internet-Banking Retail no GWS Go live planned for 2013


via Internet-Banking Corporates no GWS Go live planned for 2013







HOST-TO-HOST

HOST-TO-HOST no

SWIFTNet FIN


SWIFTNet FileAct



Local EB solution (yes / no, if yes please mention..) (like Isabel, Multicash, etc) yes Multicash

REPORTING


Sending no



Sending no






r-messages no




error-message / pre-settlement inhouse yes Error message in BusinessNet /

Multicash



please describe the adopted additional services (e.g. SEDA for Italy) To be further discussed National Centralised Mandate Data

Base - implemented at ACH level for

storage and transaction vs. mandate

validation. To be applied only for

SEPA DD in RON upon migration to

these standards.


Creditor Mandate Management tool yes Available only for Multicash

eMandate no




SLOVAKIAUpdate June 2013Comments


GENERAL INFORMATION



End date national formats 31/01/2014

National migration law (yes/no and if yes draft/final) yes draft

Country specifics





IBAN-conversion

conversion tools offered by the bank no No decision has been taken so far

conversion tools offered by third party no No decision has been taken so far

Out of SEPA scope

remaining formats & payment types yes Remaining statement and payment

formats (MT940, GEMINI, clearing

formats) will be adopted to SEPA

standards and they will be further

supported

remaining reporting formats yes Remaining statement and payment

formats (MT940, GEMINI, clearing

formats) will be adopted to SEPA

standards and they will be further

supported

SEPA PRODUCTS

SCT


tax payments no

salary payments no





COT (latest receiving time) (CET) 15:00 Foreign payments

AOS (CT related)

SDD

General information

Creditor Identification (CI) yes Slovak Banking Association

mandate migration yes No decision has been taken so far

account generally blocked for SDD yes Such an account could be opened

on demand

debtor profiling no

Core SDD (D - 5 / D - 2)

active no



passive yes

Core SDD - 1 no


return fee no

COT (CET) no

AOS (Core related)

B2B SDD

active no

passive yes


return fee no

COT no


SEPA FORMATS

Country specific format yes


SEPA CLEARING

EBA PARTICIPANT (direct/indirect via…) indirect Via UniCredit Bank Austria

National Clearing House yes Slovak National Bank

use of same-day cycles for SCT yes For urgent payments, D+1 for stan-

dard payments

CHANNELS

SCT

Paper-based yes

Single Payment









standing Order yes

Forwarding service via centralized hub no Only receiving side

B2B / CORE

Paper-based no Only passive side - mandate, refund,

refusal

Single Payment

via Internet-Banking Retail no Only passive side - overview


via Internet-Banking Corporates no Only passive side - overview









HOST-TO-HOST

HOST-TO-HOST no

SWIFTNet FIN


SWIFTNet FileAct



Local EB solution (yes / no, if yes please mention..) (like Isabel, Multicash, etc) yes Multicash

REPORTING


Sending no



Sending no






r-messages no







please describe the adopted additional services (e.g. SEDA for Italy) no



eMandate no

conversion of legacy formats to XML yes SCT - MT103 to XML or domestic KV

format to XML



SLOVENIAUpdate June 2013Comments


GENERAL INFORMATION



End date national formats SEPA Direct Debits All old DDs were migrated into SDDs

by 01.01.2013

SCTs have already been migrated, all

domestic payments in Slovenia are

SEPA payments


Country specifics



IBAN-only (national) yes

IBAN-only (cross border) yes

IBAN-conversion



Out of SEPA scope

remaining formats & payment types yes All local and SWIFT payment types

converted to SEPA


SEPA PRODUCTS

SCT

Specifics regarding the following payment types: All payments are SEPA payments.

If clients does not send SEPA

payment, bank converts to SEPA

payment

tax payments yes SEPA payments

salary payments yes SEPA Mass paymens

government payments yes SEPA payments

on behalf payments yes Via MT101 (EuropeanGate or SWIFT)

intercompany payments (INTC) yes SEPA payments


COT (latest receiving time) (CET) domestic: 15:30

cross border: 13:00

AOS (CT related) yes

SDD

General information

Creditor Identification (CI) yes Based on ISO


account generally blocked for SDD no For CORE no, for B2B yes

debtor profiling no

Core SDD (D - 5 / D - 2)

active yes

passive yes



Core SDD - 1 no


return fee yes

COT (CET) 15:00 D-6 FIRST / D-2 recurrent


B2B SDD

active yes

passive yes


return fee yes

COT 15:00 D-2 FIRST / D-2 recurrent


SEPA FORMATS



SEPA CLEARING


National Clearing House yes Bankart


CHANNELS

SCT

Paper-based no

Single Payment yes






Bulk Payments Corporates yes



standing Order no


B2B / CORE

Paper-based no

Single Payment yes






Bulk Payments Corporates no




HOST-TO-HOST

HOST-TO-HOST yes Via local Halcom solution B2B

connection



SWIFTNet FIN


SWIFTNet FileAct



Local EB solution (yes / no, if yes please mention..) (like Isabel, Multicash, etc) yes Halcom E-bank

REPORTING


Sending yes

Receiving from other banks and forwarding via the local EB yes


Sending yes

Receiving from other banks and forwarding via the local EB yes





r-messages no







please describe the adopted additional services (e.g. SEDA for Italy) no



eMandate no


client-Test-Tools yes XML validation, test enviroment


SPAINUpdate June 2013Comments


GENERAL INFORMATION



End date national formats 01/02/2014

National migration law (yes/no and if yes draft/final) yes

Country specifics

niche products (products with less than 10% payments volumes per country) yes

national product with different migration date yes Niche' products expected for 2016



IBAN-conversion


conversion tools offered by third party yes ERP Technology companies

Out of SEPA scope

remaining formats & payment types yes Cheques, Credit Cards, POS, ATM,

Bills of Exchange, N58

remaining reporting formats yes MT940, N43 (Spanish Format

Legacy)

SEPA PRODUCTS

SCT


tax payments no

salary payments yes





COT (latest receiving time) (CET) PDT Define

AOS (CT related) no

SDD

General information

Creditor Identification (CI) yes As per EPC262-08

Version 2.3


account generally blocked for SDD yes Account could be blocked on

demand


Core SDD (D - 5 / D - 2)

active yes From June 2013, D-1 : D-1

passive yes From June 2013, D-1 : D-1

Core SDD - 1 yes


return fee no



COT (CET) PDT Define


B2B SDD

active yes From June 2013, D-1 : D-1

passive yes From June 2013, D-1 : D-1


return fee no

COT PDT Define


SEPA FORMATS

Country specific format yes


SEPA CLEARING

EBA PARTICIPANT (direct/indirect via…) yes


use of same-day cycles for SCT PDT Define

CHANNELS

SCT

Paper-based yes

Single Payment yes









standing Order yes

Forwarding service via centralized hub yes

B2B / CORE

Paper-based no

Single Payment










HOST-TO-HOST

HOST-TO-HOST yes

SWIFTNet FIN


SWIFTNet FileAct





Local EB solution (yes / no, if yes please mention..) (like Isabel, Multicash, etc) yes SuperNet home banking Web

REPORTING


Sending yes



Sending no






r-messages no










eMandate no



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