ING Format Description

Transcription

1 ING Format CAMT and CAMT InsideBusiness Connect InsideBusiness Payments SwiftNet FileAct EBICS

2 Document version history Version Date Changes 1.0 First version Updated - List of ISO Return Reason codes Updated - List of ING Transaction codes Removed - Slovakia from country scope (NL only version) Updated - ING Transaction Codification moved to a separate Annex Updated - Extended with AT, DE, CH, FR, ES, IT, PT and UK Updated - Extended with RU Updated Updated - CGI version added Updated - for DE and AT SEPA Direct Debit Charges and Interest fields added - IBP description merged in this document ING Format CAMT052 CAMT053 - v7 0 2

3 Introduction Reference guidelines The camt Bank to Customer Account Report and camt Bank to Customer Statement are standard ISO messages for electronic banking reporting: intraday reports and end of day statements ( This document provides guidelines to enable organisations to implement the Customer Statement Messages into their systems and processes. The camt.053 and camt.052 Implementation Guidelines (ISO Cash Management V2 - CGI MIG B2C Statement/Report) as provided by CGI (Common Global Implementation) are taken as a reference ( The Dutch Banking Association has also based the camt.053 Implementation Guidelines version 2.0 on the CGI implementation ( As of August 2017 ING supports 2 different versions of the camt.053 and camt.052. In the previous version the camt.053 Implementation Guidelines version 1.0 as provided by the Dutch Banking Association (NVB) was taken as a reference. The differences are documented in the appendix. Please note This format description is an addition to the current ISO camt and camt Message Definition Report. The ISO Message Definition Report (MDR), Message Usage Guideline (MUG) and XML Schema can be downloaded from: coverage This camt.053 and camt.052 is available in the following countries 1 : Austria (AT) France (FR) Germany (DE) Italy (IT) The Netherlands (NL) 2 Portugal (PT) Spain (ES) Switzerland (CH) United Kingdom (GB) Russia (RU) 3 1 In InsideBusiness Payments all countries are available. 2 For the Netherlands this format description is only applicable to EUR Current accounts. 3 For Russia the EBICS channel is not available. Annex ING Transaction Codification This format description is supported by the Annex ING Transaction Codification. ING Format CAMT052 CAMT053 - v7 0 3

4 Contents 1. Explanation of terminology 5 2. Structure CAMT messages 6 3. Structure CAMT messages 7 4. Message Item 8 5. Message item contents 16 Appendix Differences between CGI version and NVB 1.0 version 24 Document owner: Commercial Product Management Account Reporting Effective date: August 2017 Last reviewed: August 2017 Version: 7.0 ING Bank N.V., This document is a publication of ING Wholesale Banking ING Format CAMT052 CAMT053 - v7 0 4

5 1. Explanation of terminology Notation The terminology below are frequently used and are important for the understanding of the Customer Account Report/Statement Messages. Notation ISO General Level Explanation The number of the XML Tag as stated in the ISO description of CAMT and CAMT The number of the subfields as stated in the ISO description of CAMT and CAMT This field indicates the level of each XML Tag within the according to the ISO description of CAMT and CAMT * The asterisk refers to more details in chapter Message item contents. Message Item Multiplicity The name of the XML Tag written in full. "[n..m]" reflects the number of occurrences of the tag (minimum (n) and maximum (m)) according to the ISO description of CAMT and CAMT The plus sign ( + ) refers to the subfields available in the CAMT and CAMT structure. These subfields are not described in this format description as ING follows the CGI guidelines for CAMT.053. {Or Or} Amounts Date DateTime {Or..Or} after the concerned elements indicates that only one of the elements will be present. The decimal separator is a dot. The number of fractional digits (or minor unit of currency) complies with ISO Examples: <Amt Ccy= EUR > </Amt> <Amt Ccy= JPY > </Amt> dates are reported as YYYY-MM-DD as specified in ISO 8601 and is an internationally agreed way to represent dates. Example: DateTime is always reported as specified in ISO 8601 (complete date plus hours, minutes, seconds and a decimal fraction of a second), unless mentioned otherwise. Format: YYYY-MM-DDThh:mm:ss.sTZD Example: T02:52: :00 Character set ING uses the UTF8 character set, except the (pipe) and { } (curly braces) character. For Russian accounts Domestic Russian Payments are reported in Cyrillic. ING Format CAMT052 CAMT053 - v7 0 5

6 2. Structure CAMT messages The CAMT.052 is an intraday report message. ING will provide this type of message at given time intervals specified throughout the day. The CAMT.053 is an end of day statement message. ING will provide this type of message after closing of each Target day as an electronic file. A CAMT.052 report file exists of one group header and at least one Report (2.0 <Rpt>). Each Report consists of booked and value balance information for one account. Forward available (value) balance is optional. A CAMT.052 Report will only be delivered in case there are booked entries. On request, it is possible to receive a CAMT.052 report at End of Day whether it contains booked entries or not. Camt.052 Name Mult. 1.0 Group header Report 0-n 2.23 Balance 0-n 2.76 Entry 0-n Entry details 0-n Batch Transaction details 0-n ING Format CAMT052 CAMT053 - v7 0 6

7 3. Structure CAMT messages A CAMT.053 statement file exists of one group header and at least one Statement (2.0 <Stmt>). Each Statement consists of booked and value balance information for one account. Forward available (value) balance is optional. By default, a CAMT.053 Statement will be delivered in case of no entries and on request, this can be switched off. Camt.053 Name Mult. 1.0 Group header Statement 0-n 2.23 Balance 0-n 2.76 Entry 0-n Entry details 0-n Batch Transaction details 0-n ING Format CAMT052 CAMT053 - v7 0 7

8 4. Message Item Group Header This segment is mandatory and occurs only once in a message. It contains common information for the message such as Message Identification, Creation Date Time and Identification. ISO Gen Lvl Tag name Message Item Mult <GrpHdr> Group Header [1..1] <MsgId> * Message Identification [1..1] <CreDtTm> * Creation Date Time [1..1] <MsgRcpt> Message Recipient [0..1] <Nm> Name [0..1] <PstlAdr>* Postal Address [0..1] <Id> Identification [0..1] <OrgId> Organisation Identification [1..1] <Othr> Other [0..1] <Id> * Identification [1..1] Report / Statement This segment is mandatory and repetitive, in case multiple account reporting is selected. It will occur repeatedly for each account for which a report / statement is provided. The report / statement contains booked entries and balances. ISO Gen Lvl Tag name Message Item Mult <Rpt> / <Stmt> Report / Statement [1..n] <Id> * Identification [1..1] <ElctrncSeqNb> * Electronic Sequence Number [0..1] <CreDtTm> Creation Date Time [1..1] <FrToDt> From To Date [0..1] <FrDtTm> * From Date Time [1..1] <ToDtTm> * To Date Time [1..1] <Acct> Account [1..1] <Id> Identification [1..1] <IBAN> IBAN [1..1] {Or <Othr> Other [1..1] Or} ING Format CAMT052 CAMT053 - v7 0 8

9 ISO Gen Lvl Tag name Message Item Mult <Id> Identification [1..1] <SchmeNm> Scheme Name [0..1] <Cd> Code [1..1] <Prtry> Proprietary [1..1] <Tp> Type [0..1] <Cd> * Code [1..1] <Ccy> Currency [0..1] <Ownr> Owner [0..1] <Nm> Name [0..1] <Svcr> Servicer [0..1] <FinInstnId> Financial Institution Identification [1..1] <BIC> BIC [0..1] <Othr> Other [0..1] <Id> * Identification [1..1] <Bal> * Balance [0..n] <Tp> Type [1..1] <CdOrPrtry> Code Or Proprietary [1..1] <Cd> * Code [1..1] <Amt> Amount [1..1] <CdtDbtInd> Credit Debit Indicator [1..1] <Dt> Date [1..1] <Dt> * Date [1..1] <DtTm> * Date Time [1..1] <TxsSummry> Transactions Summary [0..1] <TtlNtries> Total Entries [0..1] <NbOfNtries> Number Of Entries [0..1] <Sum> Sum [0..1] <TtlCdtNtries> Total Credit Entries [0..1] <NbOfNtries> Number Of Entries [0..1] <Sum> Sum [0..1] <TtlDbtNtries> Total Debit Entries [0..1] <NbOfNtries> Number Of Entries [0..1] <Sum> Sum [0..1] ING Format CAMT052 CAMT053 - v7 0 9

10 Entry This segment is optional. In case of a zero statement this segment will not be present. ISO Gen Lvl Tag name Message Item Mult <Ntry> Entry [0..n] <NtryRef> Entry Reference [0..1] <Amt> * Amount [1..1] <CdtDbtInd> Credit Debit Indicator [1..1] <RvslInd> Reversal Indicator [0..1] <Sts> * Status [1..1] <BookgDt> Booking Date [0..1] <Dt> Date [1..1] <ValDt> Value Date [0..1] <Dt> Date [1..1] <AcctSvcrRef> * Account Servicer Reference [0..1] <BkTxCd> * Bank Transaction Code [1..1] <Domn> Domain [0..1] <Prtry> Proprietary [0..1] <Cd> * Code [1..1] <Issr> * Issuer [0..1] <AmtDtls> Amount Details [0..1] <InstdAmt> Instructed Amount [0..1] <Amt> Amount [1..1] <CcyXchg> Currency Exchange [0..1] <SrcCcy> Source Currency [1..1] <XchgRate> Exchange Rate [1..1] Entry Details This segment is conditional, meaning if the "Entry" segment is reported, this segment will also be reported. This segments contains elements such as Batch and Transaction Details which provide details on the entry. ISO Gen Lvl Tag name Message Item Mult <NtryDtls> Entry Details [0..1] ING Format CAMT052 CAMT053 - v7 0 10

11 Batch This segment is conditional and only reported in case of a batch booking. ISO Gen Lvl Tag name Message Item Mult <Btch> Batch [0..1] <PmtInfId> Payment Information Identification [0..1] <NbOfTxs> Number Of Transactions [0..1] <TtlAmt> Total Amount [0..1] <CdtDbtInd> Credit Debit Indicator [0..1] Transaction Details This segment is conditional, meaning it will only be reported in case of a single transaction. And is optional in case of a batch booking. ISO Gen Lvl Tag name Message Item Mult <TxDtls> Transaction Details [0..n] <Refs> References [0..1] <PmtInfId> Payment Information Identification [0..1] <InstrId> * Instruction Identification [0..1] <EndToEndId> End To End Identification [0..1] <MndtId> Mandate Identification [0..1] <ChqNb> * Cheque Number [0..1] <AmtDtls> Amount Details [0..1] <InstdAmt> Instructed Amount [0..1] <Amt> Amount [1..1] <CcyXchg> Currency Exchange [0..1] <SrcCcy> Source Currency [1..1] <XchgRate> Exchange Rate [1..1] <TxAmt> Transaction Amount [0..1] <Amt> Amount [1..1] <CntrValAmt>* Counter Value Amount [0..1] <Amt> Amount [1..1] <CcyXchg> Currency Exchange [0..1] <SrcCcy> Source Currency [1..1] <XchgRate> Exchange Rate [1..1] ING Format CAMT052 CAMT053 - v7 0 11

12 ISO Gen Lvl Tag name Message Item Mult <BkTxCd> * Bank Transaction Code [0..1] <Domn> Domain [0..1] <Prtry> Proprietary [0..1] <Cd> * Code [1..1] <Issr> * Issuer [0..1] <Chgs>* Charges [0..n] <Amt> Amount [1..1] <CdtDbtInd> Credit Debit Indicator [1..1] <Pty> Party [0..1] <FinInstnId> Financial Institution Identification [1..1] <BIC> BIC [0..1] <Intrst>* Interest [0..n] <Amt> Amount [1..1] <CdtDbtInd> Credit Debit Indicator [1..1] <Rsn> Reason [0..1] <RltdPties> Related Parties [0..1] <Dbtr> * Debtor [0..1] <Nm> Name [0..1] <PstlAdr> Postal Address [0..1] <Id> Identification [0..1] <DbtrAcct> * Debtor Account [0..1] <Id> Identification [1..1] <IBAN> IBAN [1..1] {Or <Othr> Other [1..1] Or} <Id> Identification [1..1] <UltmtDbtr> Ultimate Debtor [0..1] <Nm> Name [0..1] <Id> Identification [0..1] <Cdtr> * Creditor [0..1] ING Format CAMT052 CAMT053 - v7 0 12

13 <Nm> Name [0..1] <PstlAdr> Postal Address [0..1] <Id> Identification [0..1] <CdtrAcct> * Creditor Account [0..1] <Id> Identification [1..1] <IBAN> IBAN [1..1] {Or <Othr> Other [1..1] Or} <Id> Identification [1..1] <Tp> Type [0..1] <Prtry> * Proprietary [1..1] <UltmtCdtr> Ultimate Creditor [0..1] <Nm> Name [0..1] <Id> Identification [0..1] <Prtry>* Proprietary [0..1] <RltdAgts> Related Agents [0..1] <DbtrAgt> * Debtor Agent [0..1] <FinInstnId> Financial Institution Identification [1..1] <BIC> BIC [0..1] <ClrSysMmbId> * Clearing System Member Identification [0..1] <MmbId> Member Identification [1..1] <Nm> Name [0..1] <Othr> Other [0..1] <Id> Identification [1..1] <CdtrAgt> * Creditor Agent [0..1] <FinInstnId> Financial Institution Identification [1..1] <BIC> BIC [0..1] <ClrSysMmbId> * Clearing System Member Identification [0..1] <MmbId> Member Identification [1..1] <Nm> Name [0..1] <Othr> Other [0..1] ING Format CAMT052 CAMT053 - v7 0 13

14 <Id> Identification [1..1] <IntrmyAgt1> * Intermediary Agent 1 [0..1] <FinInstnId> Financial Institution Identification [1..1] <BIC> BIC [0..1] <IntrmyAgt2> * Intermediary Agent 2 [0..1] <FinInstnId> Financial Institution Identification [1..1] <BIC> BIC [0..1] <IntrmyAgt3> * Intermediary Agent 3 [0..1] <FinInstnId> Financial Institution Identification [1..1] <BIC> BIC [0..1] <Purp> Purpose [0..1] <Cd> Code [1..1] <RmtInf> Remittance Information [0..1] <Ustrd> Unstructured [0..n] <Strd> Structured [0..n] <RfrdDocInf>* Referred Document Information [0..1] <Tp> Type [0..1] <CdOrPrtry> Code Or Proprietary [1..1] <Prtry> Proprietary [1..1] <RltdDt> Related Date [0..1] <CdtrRefInf> Creditor Reference Information [0..1] <Tp> Type [0..1] <CdOrPrtry> Code Or Proprietary [1..1] <Cd> * Code [1..1] <Issr> * Issuer [0..1] <Ref> * Reference [0..1] <RltdDts> Related Dates [0..1] <TxDtTm> Transaction Date Time [0..1] <Prtry>* Proprietary [0..n] <Tp> Type [1..1] <Dt> Date [1..1] <RtrInf> Return Information [0..1] <Rsn> Reason [0..1] <Cd> * Code [1..1] <AddtlInf> Additional Information [0..n] ING Format CAMT052 CAMT053 - v7 0 14

15 <AddtlTxInf> Additional Transaction Information [0..1] <AddtlNtryInf> Additional Entry Information [0..1] <AddtlStmtInf> Additional Statement Information [0..1] ING Format CAMT052 CAMT053 - v7 0 15

16 5. Message item contents The structure and Message Items in CAMT.052 and CAMT.053 are nearly identical.. Differences related to the content of the Message Items in CAMT.052 and CAMT.053 are specified. In case no distinction is made between CAMT.052 and CAMT.053, the setting is applicable to both. Group Header The following Message Item specifics are applicable to Group Header. 1.1 Message Identification <MsgId> Unique message identification assigned by ING. 1.2 Creation Date Time <CreDtTm> Format: YYYY-MM-DDThh:mm:ss.sTZD Example: T02:35: : Postal Address (9.1.1) <PstlAdr> RU Rest of countries Supported Not supported 1.3 Identification (9.1.16) <Id> Filled with ING client identification. Report / Statement The following Message Item specifics are applicable to Report/Statement. 2.1 Identification <Id> Unique identification number per statement, e.g Electronic Sequence Number <ElctrncSeqNb> Sequence number added by ING. Reset on the 1st target day of the year for Camt.053 and reset to 1 on daily basis for Camt From Date Time (5.1.0) <FrDtTm> The time representation in this message item must be interpreted as local time. Format: YYYY-MM-DDThh:mm:ss Example: T00:00: To Date Time (5.1.1) <ToDtTm> The time representation in this message item must be interpreted as local time. ING Format CAMT052 CAMT053 - v7 0 16

17 Format: YYYY-MM-DDThh:mm:ss Example: T23:59: Code (1.2.9) <Cd> CACC = Current Account SVGS = Savings Account 2.10 Name (1.2.14) <Nm> The name of the account owner BIC (1.2.58) <BIC> NL AT CH DE ES FR IT PT UK RU INGBNL2A INGBATWW BBRUCHGT INGBDEFF BBRUESMX INGBFRPP INGBITMM BBRUPTPL INGBGB22 INGBRUMM 2.10 Identification (1.2.77) <Id> Not supported Balance <Bal> The following types of balances can be reported: 1. Previously Closed Booked balance (PRCD) Balance of the account at the previously closed account reporting period. The opening booked balance for the new period has to be equal to this balance. 2. Opening Booked balance (OPBD) Book balance of the account at the beginning of the account reporting period. It always equals the closing book balance from the previous report. ING Format CAMT052 CAMT053 - v7 0 17

18 3. Closing Booked balance (CLBD) Balance of the account at the end of the pre-agreed account reporting period. It is the sum of the opening booked balance at the beginning of the period and all entries booked to the account during the pre-agreed account reporting period. 4. Interim Booked balance (ITBD) Balance calculated in the course of the account servicer s business day, at the time specified, and subject to further changes during the business day. The interim balance is calculated on the basis of booked credit and debit items during the calculation time/period specified. This balance type is only present in CAMT Closing Available balance (CLAV) Closing balance of amount of money that is at the disposal of the account owner on the date specified. 6. Forward Available balance (FWAV) Forward available balance of money that is at the disposal of the account owner on the date specified. A maximum of 2 Forward Available balances can be reported Code (to Balance) <Cd> (Camt.052 only) PRCD (Previously Closed Booked); only reported in first Camt.052 of the day OPBD (Opening Booked); only reported in first Camt.052 of the day ITBD (Interim Booked) 2.26 Code (to Balance) <Cd> (Camt.053 only) PRCD (Previously Closed Booked) OPBD (Opening Booked) CLBD (Closing Booked) CLAV (Closing Available) FWAV (Forward Available) 2.36 Date (4.1.0) <Dt> This message item is present in case of all balances, except for the Interim Booked balance (ITBD). Format: YYYY-MM-DD Example: ING Format CAMT052 CAMT053 - v7 0 18

19 2.36 Date Time (4.1.1) <DtTm> (Camt.052 only) Not applicable. Entry Details The following Message Item specifics are applicable to Entry Details Amount <Amt> Amount including currency code. Example: <Amt Ccy= EUR >123.00</Amt> 2.81 Status <Sts> Fixed value: BOOK Account Servicer Reference <AcctSvcrRef> Contains unique ING reference Bank Transaction Code <BkTxCd> Depending on the settings (contract) as agreed upon with ING. In addition to the default ISO transaction codes the ING transaction code, Swift code or local code will be reported in the proprietary field. Please see ING Codification Annex Domain <Domn> Please see the ISO transaction codes in the ING Codification Annex 2.98 Code <CD> Please see the ING transaction codes in the ING Codification Annex 2.99 Issuer <Issr> Fixed value: ING Group for ING transaction codes Fixed value: SWIFT for SWIFT codes Fixed value: BBA for local Belgium transaction codes Fixed value: DK for local German transaction codes Batch The following Message Item specifics are applicable to Batch. Transaction Details The following Message Item specifics are applicable to Transaction Details. ING Format CAMT052 CAMT053 - v7 0 19

20 2.147 Instruction Identification <InstrId> Not supported Cheque Number <ChqNb> FR, UK Rest of countries Supported Not supported Counter Value Amount (2.1.18) <CntrValAmt> RU Rest of countries Supported Not supported Bank Transaction Code <BkTxCd> Depending on the settings (contract) as agreed upon with ING. In addition to the default ISO transaction codes the ING transaction code, Swift code or local code will be reported in the proprietary field. Please see ING Codification Annex Code <Cd> Please see the ING transaction codes in the ING Codification Annex Issuer <Issr> Fixed value: ING Group for ING transaction codes Fixed value: SWIFT for SWIFT codes Fixed value: BBA for local Belgium transaction codes Fixed value: DK for local German transaction codes Charges <Chgs> DE, AT Rest of countries Supported in case of SEPA Direct Debit Interchange fees and/or ING fees Not supported Interest <Intrst> DE, AT Rest of countries Supported in case of SEPA Direct Debit Refund compensation Not supported ING Format CAMT052 CAMT053 - v7 0 20

21 2.201 Debtor <Dbtr> In case the booked entry is a credit transaction, the details of the counterparty will be reported in <Dbtr> and underlying message items Postal Address (9.1.1) <PstlAdr> Depending on the settings (contract) as agreed upon with ING Debtor Account <DbtrAcct> In case the booked entry is a credit transaction, the account details of the counterparty will be reported in <DbtrAcct> and underlying message items Proprietary (to Type ( )) <Prtry> Fixed value: General Creditor <Cdtr> In case the booked entry is a debit transaction, the details of the counterparty will be reported in <Cdtr> and underlying message items Postal Address (9.1.1) <PstlAdr> Depending on the settings (contract) as agreed upon with ING Creditor Account <CdtrAcct> In case the booked entry is a debit transaction, the account details of the counterparty will be reported in <CdtrAcct> and underlying message items Proprietary (to Type ( )) <Prtry> Fixed value: General Proprietary <Prty> In case the entry is a transaction related to a SEPA direct debit the Creditor Scheme Identification of the Creditor is reported in the subfield (9.1.28) Party. ING Format CAMT052 CAMT053 - v7 0 21

22 2.209 Type contains fixed value: CreditorSchemeIdentification and (9.1.30) fixed value: SEPA Debtor Agent <DbtrAgt> In case the booked entry is a credit transaction, the BIC of the counterparty s agent will be reported in the designated message item within <DbtrAgt> Clearing System Member Identification (6.1.2) <ClrSysMmbId> RU Rest of countries The agent can also be identified by the Clearing System Member Identification Not supported, agent can be identified by the BIC Creditor Agent <CdtrAgt> In case the booked entry is a debit transaction, the BIC of the counterparty s agent will be reported in the designated message item within <CdtrAgt> Clearing System Member Identification (6.1.2) <ClrSysMmbId> RU Rest of countries The agent can also be identified by the Clearing System Member Identification Not supported, agent can be identified by the BIC Intermediary Agent 1 <IntrmyAgt1> Not supported Intermediary Agent 2 <IntrmyAgt2> Not supported Intermediary Agent 3 <IntrmyAgt3> Not supported Referred Document Information <RfrdDocInf> ING Format CAMT052 CAMT053 - v7 0 22

23 RU Other Supported (additional to Unstructured Remittance Information) Not Supported Code (to Creditor Reference Information) <Cd> NL Fixed value: SCOR Issuer (to Creditor Reference Information) <Cd> NL BE Value: CUR for Dutch Betalingskenmerk acceptgiro. Value: BBA for Belgium Betalingskenmerk. Value: ISO for ISO Structured Reference Reference (to Creditor Reference Information) <Ref> Payment reference Proprietary <Prtry> RU Other Supported (additional to Transaction Date Time) Not Supported Code (to Return Information) <Ref> For ISO Return Reason codes please see the ING Codification Annex Additional Transaction Information <AddtlTxInf> Can be filled in case of non-sepa payments. ING Format CAMT052 CAMT053 - v7 0 23

24 Appendix Differences between CGI version and NVB 1.0 version As of August 2017 ING offers two versions of the CAMT.053 and CAMT.052. As standard setup the latest version will be activated. The difference between the 2 versions are mentioned in the table below. Field NVB 1.0 CGI version (NVB 2.0) Entry amount Reported in 2.78 Reported in 2.78 and additionally in TotalAmount in case of global booking and TransactionAmount in case of single booking Creditor Scheme Identification R-message Reported in and subfields Related Parties (Debtor, Creditor, Debtor Agent, Creditor Agent) are reported according to the booked Reversal Reported in Proprietary and subfields Related Parties (Debtor, Creditor, Debtor Agent, Creditor Agent) are reported according to the original transaction ING Format CAMT052 CAMT053 - v7 0 24

25 More information For more information about the ING Format CAMT.052 & CAMT.053, please contact your ING account manager. ING Format CAMT052 CAMT053 - v7 0 25