BAR_9907489COM 25/08/2010 08:45 Page 1
C
M
Y
K
PMS 2965
PMS ???
PMS ???
PMS ???
Non-printing
Colours
Non-print 1
Non-print 2
JOB LOCATION:
PRINERGY 3
Customer Statement Messages
SWIFT MT940
BAR_9907489COM 25/08/2010 08:45 Page 2
How you can benefit from SWIFT MT940
statement messages
How
Comprehensive access to Balance and
Transaction Information
MT940 Cus
denoted by
known as F
This guide is designed to help you understand how MT940
Customer Statement Messages are constructed so that you can
see the advantages of this type of statement and are able to
choose the best layout option to meet your needs. It has been
produced to help you maximise opportunities for automated
reconciliation of transactions, manage your liquidity position
more effectively and reduce your associated enquiries.
The standardised messages described in this guide have been
developed by organisations such as SWIFT (Society for World-wide
Interbank Financial Telecommunications) and ISO (International
Standards Organisation). They aim to ensure the harmonisation
of the many practices, conventions and habits in the international
payments market. We actively encourage and support the
adoption of this common language for reporting your
transactions.
We hope that you and your colleagues will find this guide a useful
and informative publication. Your understanding of the message
formats described in this guide will ensure that you derive the
most benefit from your SWIFT statements service.
You can draw on world-class support from your SWIFT MT940
Support team in meeting your statement requirements and
answering any questions that you might have.
Should you need assistance with your Barclays SWIFT MT940
Statement service, you will find their contact details at the back of
this document.
Field:2
• This fie
have a
• For GB
within
26 Apr
Field:2
• This fie
• Only o
• For GB
Field:2
• Where
messag
• Each st
sequen
• For exa
messag
• Using t
that yo
• For GB
Field:6
• This fie
• It conta
as the
• :60F: in
• :60M: i
• The ba
accoun
contain
Repea
Field:6
• For eve
there is
• This fie
1
BAR_9907489COM 25/08/2010 08:45 Page 3
0
How are MT940s constructed?
MT940 Customer Statement Messages consist of Fields or Tags
denoted by a number between two colons. For example, :20: is
known as Field 20 or Tag 20.
Each field or tag has a specific function and can only contain
certain kinds of data. Some of the fields within the MT940
statement message can be divided into further sub-fields.
Field:20: Transaction Reference Number
• This field contains a unique reference that we generate to unambiguously identify your message. This is the reference to quote if you
have a query about a specific statement.
• For GBP accounts, this reference always begins with STL; for other currencies, it begins with CFC. These letters are followed by the day
within the year, from 001 through to 365 (or 366 in leap years). For example, STL1169999900000 indicates a GBP statement for
26 April and CFC1169999900000 indicates a non-GBP statement for 26 April in a non-leap year.
Field:25: Account Identification
• This field contains the account number of the statement. It always contains 14 digits.
• Only one account is reported within a single statement.
• For GBP accounts, use all 14 digits to identify your account. For other currencies, use only the last 8 digits.
Field:28C: Statement Number/Sequence Number
• Where there are a lot of entries to report since the last statement for a particular account, the information may be split across several
messages, as there is a maximum size for messages.
• Each statement is given a sequential statement number and each message within the statement is given a sequence number. Sorting the
sequence numbers within each statement number will allow you to be certain that you are viewing all your information in the right order.
• For example, if statement 110 contained a lot of transactions, it might be split across three messages. The field 28C in these three
messages would contain 110/1, 110/2 and 110/3.
• Using this sequencing in combination with the first opening balance and the final closing balance (described below), you will be certain
that you have the entire statement for this account.
• For GBP accounts the statement number is reset to 1 on 1st January each year.
Field:60a: Opening Balance
• This field can appear as either :60F: or :60M:
• It contains a C or D for credit or debit, the date of the balance as yymmdd, the currency code and the balance amount with a comma
as the decimal separator. For example, C070426GBP99,9 indicates a credit balance of GBP99.9 on 26 April 2007.
• :60F: indicates that this is the first opening balance for your statement. It corresponds to a sequence number of 1 in field 28C.
• :60M: indicates that this is an intermediate opening balance because your statement for this account is made up of more than one message.
• The balance amount in this field will always be the same as that reported in field 62 of your previous statement message for this
account. For example, if your statement is split across 3 messages, the first message will contain field 60F. The next 2 messages will
contain field 60M with a value that is the same as that of field 62M of the previous message.
Repeating lines of:
Field:61: Statement Line
• For every transaction or entry on your account, there will be a field 61. If there is no field 61 within the statement, this indicates that
there is no activity to report in this statement for your account.
• This field is divided into subfields, which are fully described later.
2
BAR_9907489COM 25/08/2010 08:45 Page 4
Construction of MT940s
Stat
continued
Field:86: Information To Account Owner
Field 61 is t
also known
• This field always follows a field 61. It is used to give you up to 6 lines of 65 characters of extra information about the transaction in the
preceding field 61.
• As not all types of transaction carry extra information, you will only see this field on certain transactions, generally cross border
(international) payments, same day GBP payments or payments in other currencies.
• You have a choice of three layouts for this field. We call these Option A, Option B and Option C. These are fully described later.
• Your other transactions, such as three day payments, commission charges, autosweeping and cheques will not show this field.
Field:6
• This is
Field:6
• This is
End of repeating lines
• You may not have any fields 61 or 86 in this section of your statement, or you may have several consecutive occurrences of field 61,
or a mix of several field 61 and field 86 occurrences, depending on the type of transactions being reported.
Field:62a: Closing Balance (Booked Funds)
• This can appear as either :62F: or :62M: It is the ledger balance, including all cleared and uncleared items.
• :62F: indicates that this is the final closing balance for your statement. It will be in the same message as that with the highest
sequence number in field 28C.
• :62M: indicates that this is an interim closing balance because your statement for this account is made up of more than one message
and there are more messages to follow.
• The balance amount in this field will always be the same as that reported in field 60 of the next statement message for this account.
For example, if your statement is split across 3 messages, the first 2 messages will contain field 62M. The final message will contain
field 62F with a value that is the same as that in field 60M of the previous message.
Field:64: Closing Available Balance (Available Funds)
• This field shows you the value of funds, which are available to you (if a credit balance) or the balance, which is subject to interest
charges (if a debit balance). This is also called the ‘cleared for interest’ balance.
• This balance is used in the calculation of debit or credit interest on your account. This field only appears in the last message of your
statement for this account, after field :62F: (the final closing balance).
• We do not include this field by default; so let us know if you wish to have it included.
Repeating lines of:
Field:65: Forward Available Balance
• This field shows you the value of funds, which are due to become available to you on the specified value date. It includes items
which are not yet cleared for interest.
• This balance will take into account only the items actually posted to your account up to the specified date. For example, forward
maturing treasury deals that have not yet been posted to your account are excluded.
• There may be several occurrences of this field, depending on what transactions are pending. These fields only appear in the last
message of your statement for this account, after field :62F: (the final closing balance).
• We do not include these fields by default; so let us know if you wish to have them included.
End of repeating lines
3
Field:6
• This sh
D = deb
C = cre
RC = re
RD = re
Field:6
• We do
Field:6
• This is
Field:6
• This co
• For De
Snnn
For ex
Nxxx
will b
• For Cre
Snnn
For ex
Nxxx
If we
• xxx wi
BAR_9907489COM 25/08/2010 08:45 Page 5
Statement line Field 61
Field 61 is the statement line containing the core entry narrative,
also known as transaction narrative. It is divided into sub-fields
each with a specific function. The following describes what the
functions are and what information we put in there.
ion in the
er
er.
d.
eld 61,
t
message
account.
contain
Field:61: Subfield 1 Value Date
:61:0704260426D1000,25S10310000X//PET206085116
• This is the value date of the entry, YYMMDD.
Field:61: Subfield 2 Entry Date
:61:0704260426D1000,25S10310000X//PET206085116
• This is the date that the entry is posted to the account, MMDD.
Field:61: Subfield 3 Debit/Credit Mark :61:0704260426D1000,25S10310000X//PET206085116
• This shows whether the entry is a debit, credit or reversal. This can be one of the following:
D = debit
C = credit
RC = reversal of credit (being a debit entry)
RD = reversal of debit (being a credit entry).
Field:61: Subfield 4 Funds Code
• We do not include this optional sub-field.
Field:61: Subfield 5 Amount
:61:0704260426D1000,25S10310000X//PET206085116
• This is the value of the entry. The decimal point must be included and is indicated by a comma.
erest
Field:61: Subfield 6 Transaction type id code
:61:0704260426D1000,25S10310000X//PET206085116
of your
• This code will vary depending on how we received the instruction and whether or not you have already received a debit or credit advice.
ms
• For Debit entries, it will be one of the following:
Snnn for entries where we received an instruction by SWIFT. nnn is the message type of the SWIFT message that we received.
For example, if you sent us an MT103, this would be S103.
Nxxx or Fxxx for all other debit entries. If we sent you a debit advice, either by SWIFT or via other means such as fax or mail, this
will be Nxxx. If we have not already sent you an advice, this will be Fxxx.
• For Credit entries, it will be one of the following:
ard
Snnn for entries where we sent you a SWIFT advice. nnn is the message type of the SWIFT message that we sent to you.
For example, if we sent you an MT910, this would be S910.
ast
Nxxx or Fxxx for all other debit entries. If we sent you a non-SWIFT credit advice, such as a fax or by mail, this will be Nxxx.
If we have not already sent you an advice, this will be Fxxx.
• xxx will be one of the following codes, depending on the nature of the entry:
4
BAR_9907489COM 25/08/2010 08:45 Page 6
Statement line Field 61
Stat
continued
cont
CHG – Charges/other expense
Field:6
CHK – Cheques
CMS – Currency Cash Management Item – Sweeping
• For De
COM – Commission
for entr
LDP – Currency Loan Deposit
for entr
MSC – Miscellaneous
for entr
STO – Standing Order
TRF – GBP Transfer
VDA – Value Date Adjustment (entry made to withdraw an incorrectly dated entry. It is followed by the correct entry with the relevant code).
for othe
• Credit
for entr
for entr
for othe
Field:6
• This fie
• For pay
a doub
our 6 d
the Exe
a non-l
Field:6
• The co
the Ord
the Sen
the Ben
the Ben
5
ant code).
BAR_9907489COM 25/08/2010 08:45 Page 7
Statement line Field 61
continued
Field:61: Subfield 7 Reference for Account Owner
:61:0704260426D1000,25S10310000X//PET206085116
• For Debit entries, this field will contain one of the following:
for entries against standing instructions, the reference of the standing instruction;
for entries raised as a result of a cheque, the cheque number;
for entries where we received a SWIFT instruction, field 20 of that message;
for other entries, as provided. If none is provided, this will be ‘NONREF’.
• Credit entries, this field will contain one of the following:
for entries as a result of a related transaction, the reference for the beneficiary of that transaction;
for entries where we receive a SWIFT instruction, field 50 of that message;
for other entries, the by order of information. If none is provided, this will be ‘NONREF’.
Field:61: Subfield 8 Our Reference
:61:0704260426D1000,25S10310000X//PET206085116
• This field contains the reference that we have allocated to the entry.
• For payments that you send us or that we receive by SWIFT, it consists of the following:
a double slash and code that identifies our processing branch, usually PET
our 6 digit reference number. We call this the Payment Control Number
the Execution Date expressed as the day within the year, from 001 through to 366 in leap years. For example, 116 for 26 April in
a non-leap year.
Field:61: Subfield 9 Supplementary Details
:61:0704260426D1000,25S10310000X//PET206085116
COMPGB2L
• The content of this field varies depending on the information provided in the preceding fields. It can include:
the Ordering Institution‘s SWIFTBIC or Name;
the Sender’s or Ordering Institution’s SWIFT address;
the Beneficiary Name/Debit Party Name;
the Beneficiary/Debit Account Number.
6
BAR_9907489COM 25/08/2010 08:45 Page 8
Information to Account Owner Field 86
Info
Option A
Opti
As not all types of transaction carry extra information, you will
only see this field on certain transactions, generally cross border
(international) payments, same day GBP payments or payments
in other currencies. Your other transactions, such as three day
payments, commission charges, autosweeping and cheques will
not show this field.
In Option A, field 86 is used to display credit/debit party data
where it is available. This option is appropriate if you have
sufficient data for reconciliation within Field 61.
Field:86 Option A: Information To Account Owner
As not all ty
only see th
(internation
other curre
payments,
not show t
In Option B
mark follow
• If the entry is a debit, this field will contain the credit party name or identifier.
• If the entry is a credit, this field will contain the debit party name or identifier.
• As not all types of transaction carry extra information, you will only see this field on certain transactions, generally cross border
(international) payments, same day GBP payments or payments in other currencies. Your other transactions, such as three day
payments, commission charges, autosweeping and cheques will not show this field.
Field:8
• Where
201 for
SWIFT
051 for
020 for
Field:8
• This fie
Field:8
• We pro
split ac
• For exa
instruc
Field:8
• This fie
• For De
messag
• For Cre
7
6
y data
ve
er
ay
BAR_9907489COM 25/08/2010 08:45 Page 9
Information to Account Owner Field 86
Option B
As not all types of transaction carry extra information, you will
only see this field on certain transactions, generally cross border
(international) payments, same day GBP payments or payments in
other currencies. Your other transactions, such as three day
payments, commission charges, autosweeping and cheques will
not show this field.
In Option B, field 86 is structured into small subfields. A question
mark followed by two digits indicates the start of a sub field.
Depending on the content of the instruction or credit that we
receive, the following codes can appear: ?20 – ?25 Remittance
Information, ?30 Beneficiary/Remitter Bank Code, ?31 Barclays
Beneficiary/Remitter account number, ?32 – ?33 Beneficiary/
Remitter Name, ?35 – ?36 Beneficiary/Remitter Address.
This option is appropriate if you require more information for
reconciliation and are feeding the data into a system that will
recognise the codes and present the information in a more
readable format.
Field:86: Option B Subfield Transaction code
:86:020?00 ?20INVOICE 999?30BANKGB55?3160212187654321?35COMPANY PLC
• Where present, this code will have one of the following three values:
201 for debit entries where we sent a SWIFT message to an institution outside the UK and for credit entries where we received a
SWIFT instruction from outside the UK
051 for all other debit entries
020 for all other credit entries.
Field:86: Option B Subfield ?00
:86:020?00 ?20INVOICE 999?30BANKGB55?3160212187654321?35COMPANY PLC
• This field is always present followed by a space character.
Field:86: Option B Subfields ?20, ?21, ?22, ?23, ?24, ?25
:86:020?00 ?20INVOICE 999?30BANKGB55?3160212187654321?35COMPANY PLC
• We provide remittance information from the instruction in these fields. If the remittance information is longer than 27 characters, it is
split across subfields ?20, ?21, ?22, ?23, ?24 and ?25 as appropriate.
• For example, if you send us an instruction by SWIFT, these fields will contain the information that you put in field 70 of your original
instruction.
Field:86: Option B Subfield ?30
:86:020?00 ?20INVOICE 999?30BANKGB55?3160212187654321?35COMPANY PLC
• This field contains SWIFT bank code information.
• For Debit entries, if we have sent an outward message, we provide the code of the receiving bank in this field. If there is no outward
message, we put BARCGB22 in this field.
• For Credit entries, we provide the sender’s bank code.
8
BAR_9907489COM 25/08/2010 08:45 Page 10
Information to Account Owner Field 86
Info
Option B continued
Opti
Field:86: Option B Subfield ?31
:86:020?00 ?20INVOICE 999?30BANKGB55?3160212187654321?35COMPANY PLC
• For Debit entries, we provide the beneficiary’s account number if it is a Barclays beneficiary.
• For Credit entries, depending on the information available, we provide the remitter’s account number or bank code, or the debit party
account number.
Field:86: Option B Subfields ?32 and ?33
:86:020?00 ?20INVOICE 999?30BANKGB55?3160212187654321??32SUPPLIER PLC
• For Debit entries, we provide the beneficiary’s name. If the name is longer than 27 characters, it is split across subfields ?32 and ?33.
• For Credit entries, we provide the remitter’s name or bank code. If the name is longer than 27 characters, it is split across
subfields ?32 and ?33.
As not all
will only s
cross bord
payments
transactio
charges, a
This optio
much of t
option B, f
A question
start of a s
Field:86: Option B Subfields ?35 and ?36
:86:020?00 ?20INVOICE 999?30BANKGB55?3160212187654321?35COMPANY
• For Debit entries, we provide the remitter’s name or bank code. If the name is longer than 27 characters, it is split across
subfields ?35 and ?36.
Field:8
• For Credit entries, we provide the beneficiary’s name. If the name is longer than 27 characters, it is split across subfields ?35 and ?36.
• Where
201 for
instruct
110 For
109 For
100 For
119 For
051 for
020 for
Field :
• This fi
9
BAR_9907489COM 25/08/2010 08:45 Page 11
6
Information to Account Owner Field 86
Option B+
NY PLC
bit party
ER PLC
d ?33.
As not all types of transaction carry extra information, you
will only see this field on certain transactions, generally
cross border (international) payments, same day GBP
payments or payments in other currencies. Your other
transactions, such as three day payments, commission
charges, autosweeping and cheques will not show this field.
This option is an enhanced version of the B format, typically
much of the data will appear in the same manner. Just like
option B, field 86 is structured into small subfields.
A question mark followed by two digits indicates the
start of a sub field.
Depending on the content of the instruction that we
receive, the following codes can appear: ?20 - ?29
Remittance Information,?30 Beneficiary/Remitter Bank
Code, ?31 Barclays Beneficiary/Remitter account number,
?32 - ?33 Beneficiary/Remitter Name, ?34 –
Return/Rejection information, ?35 - ?36
Beneficiary/Remitter Address, ?60 – ?62 Remittance
information (overflow tags).
This option is appropriate if you require more information
for reconciliation and are feeding the data into a system
that will recognise the codes and present the information
in a more readable format.
ANY
d ?36.
Field:86: Option B+ Subfield Transaction code
: 86:020?00 ?20REMI INVOICE999?30BANKGB55?3160212187654321?32SUPPLIER
PLC?34/REJT/?35COMPANY PLC
• Where present, this code will have one of the following values:
201 for debit entries where we sent a SWIFT message to an institution outside the UK and for credit entries where we received a SWIFT
instruction from outside the UK
110 For Sepa Credit Transfer debits
109 For Sepa Credit Transfer returns (debits)
100 For Sepa Credit Transfer credits
119 For Sepa Credit Transfer returns or rejections (credits)
051 for all other credit entries
020 for all other debit entries
Field :86: Option B+ Subfield ?00
: 86:020?00 ?20REMI INVOICE 999?30BANKGB55?3160212187654321?32SUPPLIER
PLC?34/REJT/?35COMPANY PLC
• This field is always present followed by a space character.
10
BAR_9907489COM 25/08/2010 08:45 Page 12
Information to Account Owner Field 86
Info
Option B+ continued
Opti
Field:86: Option B+ Subfields ?20, ?21, ?22, ?23, ?24, ?25, ?26, ?27,?28, ?29
:86:020?00 ?20REMIINVOICE 99?30BANKGB55?3160212187654321
?32SUPPLIER PLC?34/REJT/?35COMPANY PLC
Field:8
• We provide remittance information from the instruction in these fields. If the remittance information is longer than 27 characters,
it is split across subfields ?20, ?21, ?22, ?23, ?24 and ?25 as appropriate.
• For De
• For example, if you send us an instruction by SWIFT, these fields will contain the information that you put in field 70 of your
original instruction.
• You will also see codes appear in this field then followed by a reference, for your convenience these are listed below:
• For Cre
party a
Field:8
REMI: Provides free-format reconciliation information
EREF: Unique identification assigned by the initiating party to unambiguously identify the transaction. This identification is passed
on, unchanged, throughout the entire end-to-end chain.
RFB: Reference for the beneficiary customer (followed by up to 16 characters).
• For De
and ?3
IPI: A Unique reference identifying a related International Payment Instruction (followed by up to 20 characters).
• For Cre
subfiel
INV: Invoice (followed by the date, reference and details of the invoice).
Field:8
OID: Provides additional identification of the sending party, this may be in the form of a SWIFTBIC or an organisation ID such as a
global location number. This will be in the context of a credit to your account.
BID: Provides additional identification of the sending party, this may be in the form of a SWIFTBIC or an organisation ID such as a
global location number. This will be in the context of a debit to your account.
TRN: Transaction Reference Number, which is a unique identification assigned by the first instructing bank to unambiguously
identify the transaction.
• For cre
or /REJ
Field:8
OPID: Provides additional Unique and unambiguous identification of the sending party. This may be a driving license number or
passport number for example. This will be in the context of a credit to your account.
BPID: Provides additional Unique and unambiguous identification of the sending party. This may be a driving license number or
passport number for example. This will be in the context of a debit to your account.
• For De
?35 an
Field:86: Option B+ Subfield ?30
: 86:020?00 ?20REMI INVOICE 99?30BANKGB55?3160212187654321
?32SUPPLIERPLC?34/REJT/?35COMPANY PLC
• For Cre
and ?3
Field:8
• This field contains SWIFT bank code information.
• For Debit entries, if we have sent an outward message, we provide the code of the receiving bank in this field.
If there is no outward message, we put BARCGB22 in this field.
• For Credit entries, we provide the sender’s bank code.
11
• These
continu
BAR_9907489COM 25/08/2010 08:45 Page 13
6
Information to Account Owner Field 86
Option B+ continued
1
Field:86: Option B+ Subfield ?31
:86:020?00 ?20REMIINVOICE 99?30BANKGB55?3160212187654321
?32SUPPLIER PLC?34/REJT/?35COMPANY PLC
acters,
• For Debit entries, we provide the beneficiary’s account number if it is a Barclays beneficiary.
r
• For Credit entries, depending on the information available, we provide the remitter’s account number or bank code, or the debit
party account number.
Field:86: Option B+ Subfields ?32 and ?33
:86:020?00 ?20REMIINVOICE 99?30BANKGB55?3160212187654321
?32SUPPLIER PLC?34/REJT/?35COMPANY PLC
assed
• For Debit entries, we provide the beneficiary’s name. If the name is longer than 27 characters, it is split across subfields ?32
and ?33.
• For Credit entries, we provide the remitter’s name or bank code. If the name is longer than 27 characters, it is split across
subfields ?32 and ?33.
h as a
h as a
Field:86: Option B+ Subfield ?34
:86:020?00 ?20REMIINVOICE 999?30BANKGB55?3160212187654321
?32SUPPLIER PLC?34/REJT/?35COMPANY PLC
• For credit entries if we are reporting an SCT return or rejection this subfield will be populated with /RETN/ to indicate a return
or /REJT/ to indicate a rejection.
y
r or
r or
21
Field:86: Option B+ Subfields ?35 and ?36
:86:020?00 ?20REMIINVOICE 999?30BANKGB55?3160212187654321
?32SUPPLIER PLC?34/REJT/?35COMPANY PLC
• For Debit entries, we provide the remitter’s name or bank code. If the name is longer than 27 characters, it is split across subfields
?35 and ?36.
• For Credit entries, we provide the beneficiary’s name. If the name is longer than 27 characters, it is split across subfields ?35
and ?36.
Field:86: Option B+ Subfields ?60 and ?62
• These fields are used as an overflow field when there is insufficient space in fields ?20 - ?20 and will therefore appear as a
continuation of that data.
12
BAR_9907489COM 25/08/2010 08:45 Page 14
Information to Account Owner Field 86
Info
Option C
Opti
As not all types of transaction carry extra information, you will
only see this field on certain transactions, generally cross border
(international) payments, same day GBP payments or payments
in other currencies. Your other transactions, such as three day
payments, commission charges, autosweeping and cheques will
not show this field.
Depending on the content of the instruction or credit that we
receive, the following codes can appear: /BENM/(beneficiary
party), /REMI/(remittance information) and /ORDP/
(ordering party).
This option is appropriate if you require more information for
reconciliation but still want a very readable layout.
In Option C, field 86 is structured into subfields, identified by
standard SWIFT codes.
Not all type
see this fiel
(internation
other curre
payments,
not show t
This option
of the data
Field:86: Option C Subfield /REMI/
Field:8
• Where there is any remittance information with the instruction, we include the codeword /REMI/ followed by up to 122 characters
of information.
• Where
charac
• If the remittance information is longer than 59 characters, it continues on the next line preceded by a double slash
continuation code – //.
• If the r
code -
Field:86: Option C Subfield /BENM/
Field:8
• We provide up to 122 characters of beneficiary information preceded by the codeword /BENM/.
• We pro
• If the beneficiary information is longer than 59 characters, it continues on the next line preceded by a double slash
continuation code – //.
• If the b
continu
Field:86: Option C Subfield /ORDP/
Field:8
• We provide up to 122 characters of ordering party (remitter or sender) information preceded by the codeword /ORDP/.
• This pr
an end
• If the ordering party information is longer than 59 characters, it continues on the next line preceded by a double slash
continuation code – //.
Field:8
• We pro
• This w
Field:8
• Provide
numbe
Field:8
• Where
of info
13
BAR_9907489COM 04/10/2010 15:35 Page 15
6
Information to Account Owner Field 86
Option C+
at we
ciary
n for
acters
Not all types of transaction carry extra information, you will only
see this field on certain transactions, generally cross border
(international) payments, same day GBP payments or payments in
other currencies. Your other transactions, such as three day
payments, commission charges, autosweeping and cheques will
not show this field.
In Option C+, field 86 is structured into subfields, identified by
standard SWIFT codes.
Depending on the content of the instruction or credit that we
receive, numerous codes can appear as outlined further down.
This option is appropriate if you require more information for
reconciliation but still want a very readable layout.
This option is an enhanced version of the C format, typically much
of the data will appear in the same manner.
Field:86: Option C+ Subfield /REMI/
• Where there is any remittance information with the instruction, we include the codeword /REMI/ followed by up to 122
characters of information.
Field:86: Option C+ Subfield /EREF/
• This provides an end to end reference to identify the transaction, this may include field 20 from a related SWIFT message,
an end to end reference from the SEPA scheme or and end to end reference allocated by Barclays.
Field:86: Option C+ Subfield /BENM/
• We provide up to 122 characters of beneficiary information preceded by the codeword /BENM/.
• This will be followed by /NAME/ to indicate we are reporting a name.
Field:86: Option C+ Subfield /ID/
• Provides additional unique and unambiguous identification of the beneficiary. This may be a driving license number or passport
number or a SWIFTBIC for example.
Field:86: Option C+ Subfield /OCMT/
• This is Euro related information and provides the Original Currency Amount of the payment when this information is provided
in field 72 of the original SWIFT message.
• After /OCMT/ the currency code will be shown followed by the amount with a slash to indicate the closure of this field.
Field:86: Option C+ Subfield /CHGS
• This is Euro related information and is only present if the /OCMT/ field is present. This advises you of the transaction charges
that relate to the original currency amount.
• After /CHGS/ the currency code will be shown followed by the amount with a slash to indicate the closure of this field.
• Please Note these charges may not be Barclays related and are being reported as advised.
14
BAR_9907489COM 04/10/2010 15:36 Page 16
Information to Account Owner Field 86
Info
Option C+ Continued
Opti
Field:86: Option C+ Subfield /EXCH/
Field:8
• This is Euro related information and is only present if the /OCMT/ field appears. This advises you of the exchange rate used by Barclays.
• The pre
reason
• After /EXCH/ the currency code will be shown followed by the amount with a slash to indicate the closure of this field.
Field:86: Option C+ Subfield /RFB/
• This is the reference for the beneficiary customer (followed by up to 16 characters).
• Additio
payme
Field:86: Option C+ Subfield /IPI/
Field:8
• A Unique reference identifying a related International Payment Instruction (followed by up to 20 characters).
• The pre
Field:86: Option C+ Subfield /INV/
• A list o
• Invoice typically followed by the date, reference and details of the invoice.
• Additio
payme
Field:86: Option C+ Subfield /INST/
• This provides identification of the instructing party (when different from the ordering customer).
Field:86: Option C+ Subfield /ULTB/
• This provides identification of the ultimate beneficiary customer (when different from the beneficiary customer).
Field:86: Option C+ Subfield /ORDP/
• We provide up to 122 characters of ordering party (remitter or sender) information preceded by the codeword /ORDP/.
• This will be followed by /NAME/ to indicate we are reporting a name.
Field:86: Option C+ Subfield /ID/
• Provides additional unique and unambiguous identification of the sending party. This may be a driving license number or passport
number or a SWIFTBIC for example.
15
• A list o
Field:8
• Transa
the tra
BAR_9907489COM 25/08/2010 08:45 Page 17
6
Information to Account Owner Field 86
Option C+ Continued
Field:86: Option C+ Subfield /RETN/
d
• The presence of this codeword will indicate that this is a returned or rejected payment, this is likely to be followed by a return
reason or code.
• A list of codes and meanings can be found in the SWIFT user handbook (accessible via WWW.SWIFT.COM).
• Additionally you may also see this followed by the presence of /MREF/ followed by the field 20 reference of your original
payment instruction.
Field:86: Option C+ Subfield /REJT
• The presence of this codeword will indicate that this is a rejected payment, this is likely to be followed by a reject reason or code.
• A list of codes and meanings can be found in the SWIFT user handbook (accessible via WWW.SWIFT.COM).
• Additionally you may also see this followed by the presence of /MREF/ followed by the field 20 reference of your original
payment instruction.
y Barclays.
Field:86: Option C+ Subfield /TRN/
• Transaction Reference Number, which is a unique identification assigned by the first instructing bank to unambiguously identify
the transaction.
sport
16
BAR_9907489COM 25/08/2010 08:45 Page 18
MT940
MT9
Option A Example
Opti
This statement is for account number 20000055555551
belonging to Company plc with an opening balance of GBP 0
on 26 April 2007, a debit entry and a credit entry and a final
closing balance of GBP 0.
This statem
belonging t
on 26 April
closing bala
Option A
Transaction Reference Number
:20:STL3066319300006
Transac
Account Identification
:25:20000055555551
Accoun
Statement Number/Sequence Number
:28C:116/1
Statem
Opening Balance
:60F:C070426GBP0,
Openin
Statement Line – Debit Entry
:61:0704260426D1000,25S10310000X//PET206085116
COMPGB2L
Statem
Information To Account Owner
:86:SUPPLIER PLCSUPPLIER PLC
Informa
Statement Line – Credit Entry
:61:0704260426C1000,25S910INSURANCE COMPAN//PET532678116
BANKGB55
Statem
Information To Account Owner
:86:BANKGB55 BANKGB55
Closing balance
:62F:C0070426GBP0,
Closing Available balance
:64:C0070426GBP0,
Closing
Forward Available balance
:65:C0070427GBP0,
Closing
Informa
Forward
17
BAR_9907489COM 25/08/2010 08:45 Page 19
MT940
Option B Example
This statement is for account number 20000055555551
belonging to Company plc with an opening balance of GBP 0
on 26 April 2007, a debit entry and a credit entry and a final
closing balance of GBP 0.
Option B
Transaction Reference Number
:20:STL3066319300006
Account Identification
:25:20000055555551
Statement Number/Sequence Number
:28C:116/1
Opening Balance
:60F:C070426GBP0,
Statement Line – Debit Entry
:61:0704260426D1000,25S10310000X//PET206085116
COMPGB2L
Information To Account Owner
:86:051?00 ?20INVOICE 999?3120000012345678?32SUPPLIER PLC?35COMP
GB2L
Statement Line – Credit Entry
:61:0704260426C1000,25S910INSURANCE COMPAN//PET532678116
BANKGB55
Information To Account Owner
:86:020?00 ?20EX ABCD 13/04/07?30BANKGB55?3160212187654321?35COMPANY
PLC
Closing balance
:62F:C0070426GBP0,
Closing Available balance
:64:C0070426GBP0,
Forward Available balance
:65:C0070427GBP0,
18
BAR_9907489COM 25/08/2010 08:45 Page 20
MT940
MT9
Option B+ Example
Opti
This statement is for account number 20000055555551
belonging to Company plc with an opening balance of GBP 0
on 26 April 2007, a debit entry and a credit entry and a final
closing balance of GBP 0.
This statem
belonging t
on 26 April
closing bala
Option B+
Transaction Reference Number
:20:STL3066319300006
Transac
Account Identification
:25:20000055555551
Accoun
Statement Number/Sequence Number
:28C:116/1
Statem
Opening Balance
:60F:C070426GBP0,
Openin
Statement Line – Debit Entry
:61:0704260426D1000,25S10310000X//PET206085116
SUPPLIER PLC
Statem
Information To Account Owner
:86:020?00 ?20REMIINVOICE 999?30BANKGB55?3120000012345678?32SUPPLIER
PLC?35COMPGB2L
Informa
Statement Line – Credit Entry
:61:0704260426C1000,25S910INSURANCE COMPAN//PET532678116
INSURANCE COMPANY
Statem
:86:051?00 ?20REMIEX ABCD 13/04/07?30BANKGB55?3160212187654321?32INSURANCE
COMPANY?35COMPANY PLC
Informa
Information To Account Owner
Closing balance
:62F:C0070426GBP0,
Closing Available balance
:64:C0070426GBP0,
Closing
Forward Available balance
:65:C0070427GBP0,
Closing
Forward
19
IER
BAR_9907489COM 25/08/2010 08:45 Page 21
MT940
Option C Example
This statement is for account number 20000055555551
belonging to Company plc with an opening balance of GBP 0
on 26 April 2007, a debit entry and a credit entry and a final
closing balance of GBP 0.
Option C
Transaction Reference Number
:20:STL3066319300006
Account Identification
:25:20000055555551
Statement Number/Sequence Number
:28C:116/1
Opening Balance
:60F:C070426GBP0,
Statement Line – Debit Entry
:61:0704260426D1000,25S10310000X//PET206085116
COMPGB2L
Information To Account Owner
:86:/REMI/INVOICE 999
/ORDP/COMPGB2L
/BENM/SUPPLIER PLC
Statement Line – Credit Entry
:61:0704260426C1000,25S910INSURANCE COMPAN//PET532678116
BANKGB55
Information To Account Owner
:86:/REMI/EX ABCD 13/04/07
/ORDP/SOME BANK PLC
/BENM/COMPANY
Closing balance
:62F:C0070426GBP0,
Closing Available balance
:64:C0070426GBP0,
Forward Available balance
:65:C0070427GBP0,
SURANCE
20
BAR_9907489COM 25/08/2010 08:45 Page 22
MT940
Option C+ Example
This statement is for account number 20000055555551
belonging to Company plc with an opening balance of GBP 0
on 26 April 2007, a debit entry and a credit entry and a final
closing balance of GBP 0.
Option C+
Transaction Reference Number
:20:STL3066319300006
Account Identification
:25:20000055555551
Statement Number/Sequence Number
:28C:116/1
Opening Balance
:60F:C070426GBP0,
Statement Line – Debit Entry
:61:0704260426D1000,25S10310000X//PET206085116
COMPGB2L
Information To Account Owner
:86:/EREF/10000X
/BENM//NAME/SUPPLIER PLC
/REMI/INVOICE 999 /ORDP//NAME/COMPGB2L
Statement Line – Credit Entry
Information To Account Owner
:61:0704260426C1000,25S910INSURANCE COMPAN//PET532678116
BANKGB55
:86:/EREF/I12056581200121 /REMI/EX ABCD 13/04/07
/ORDP//NAME/SOME BANK PLC
Closing balance
:62F:C0070426GBP0,
Closing Available balance
:64:C0070426GBP0,
Forward Available balance
:65:C0070427GBP0,
Com
Inte
These exam
three differ
information
generally c
payments o
The debit e
to us by SW
Debit E
Field 61
All opti
Field 86
Option
Field 86
Option
Field 86
Option
Field 86
Option
Field 86
Option
Credit E
Field 61
All opti
Field 86
Option
Field 86
Option
Field 86
Option
Field 86
Option
Field 86
Option
21
BAR_9907489COM 31/08/2010 17:57 Page 23
Comparison of Options A, B, B+, C and C+
Inter Account Transfer
These examples show the same inter account transfer entry in the
three different formats. As not all types of transaction carry extra
information, this example is only relevant on certain transactions,
generally cross border (international) payments, same day GBP
payments or payments in other currencies.
The instruction is for 999,99 to debit account number 55555551
belonging to Company plc and credit Company Group Services plc,
account number 20000087654321.
Company plc’s reference is 10000A, our reference is 206085116
and the remittance information is ‘CASH POOL’.
The debit entry and credit entry both show an instruction sent
to us by SWIFT MT103 message for execution on 26 April 2007.
Debit Entry
Inter Account Transfer by received via SWIFT
Field 61
All options
:61: 0704260426D999,99S10310000A//PET206085116
20000055555551
Field 86
Option A
:86:COMPANY GROUP SERVICES PLC COMPANY GROUP SERVICES PLC
Field 86
Option B
:86:051?00 ?20CASH POOL?30BARCGB22?3120000087654321?32COMPANY GROUP S
ERVICES PLC?35COMPANY PLC
Field 86
Option B+
:86:020?00 ?20REMICASH POOL?30BARCGB22?3120000087654321?32COMPANY
GROUP SERVICES PLC?35COMPANY PLC
Field 86
Option C
:86:/REMI/CASH POOL
/ORDP/COMPANY PLC
/BENM/COMPANY GROUP SERVICES PLC
Field 86
Option C+
:86:/EREF/10000A/BENM//NAME/COMPANY GROUP SERVICES PLC/REMI/CASH POOL
/ORDP//NAME/COMPANY PLC
Credit Entry
Inter Account Transfer by received via SWIFT
Field 61
All options
:61:0704260426C999,99S91010000A//PET206085116
COMPGB2L
Field 86
Option A
:86:COMPGB2L COMPGB2L
Field 86
Option B
:86:020?00 ?20CASH POOL?30COMPGB2L?3120000055555551?32COMPANY PLC?35
COMPANY GROUP SERVICES PLC
Field 86
Option B+
:86:051?00 ?20REMICASH POOL?30COMPGB2L?3120000055555551?32COMPANY PLC
?35COMPANY GROUP SERVICES PLC
Field 86
Option C
:86:/REMI/CASH POOL
/ORDP/COMPANY PLC
/BENM/COMPANY GROUP SERVICES PLC
Field 86
Option C+
:86:/EREF/10000A/REMI/CASH POOL/ORDP/NAME/COMPANY PLC
22
BAR_9907489COM 25/08/2010 08:45 Page 24
Comparison of Options A, B, B+, C and C+
Payment to Barclays UK Beneficiary
Com
Pay
These examples show the same payment entry in the three
different formats. As not all types of transaction carry extra
information, this example is only relevant on certain transactions,
generally cross border (international) payments, same day GBP
payments or payments in other currencies.
These exam
different fo
information
generally c
payments o
The debit entry and credit entry both show an instruction that
was sent to us by SWIFT MT103 message for execution on
26 April 2007.
The instruction is for 999,99 to debit account number 55555555
belonging to Company plc and credit Supplier plc, Barclays
account number 20000087654321.
Company plc’s reference is 10000B, our reference is 206085116
and the remittance information is INVOICE 123.
Debit Entry
Payment to Barclays UK Beneficiary
Field 61
All options
61:0704260426D999,99S10310000B//PET206085116
20000055555555
Field 86
Option A
:86:SUPPLIER PLC SUPPLIER PLC
Field 86
Option B
:86:051?00 ?20INVOICE 123?30BARCGB22?31GB48BARC20000087654322?32SUPPL
IER PLC?35COMPANY PLC
Field 86
Option B+
:86:020?00 ?20REMIINVOICE 123?30BARCGB22?31GB48BARC20000087654322?32
SUPPLIER PLC?35COMPANY PLC
Field 86
Option C
86:/REMI/INVOICE 123
/ORDP/COMPANY PLC
/BENM/SUPPLIER PLC
Field 86
Option C+
The debit e
to us by SW
The debit in
55555555 b
Supplier plc
Debit E
Field 61
All opti
Field 86
Option
Field 86
Option
Field 86
Option
Field 86
Option
:86:/EREF/10000B/BENM//NAME/ COMPANY PLC/REMI/INVOICE 123
/ORDP//NAME/SUPPLIER PLC
Field 86
Option
23
Credit Entry
Payment to Barclays UK Beneficiary
Credit E
Field 61
All options
:61:0704260426C999,99S91010000B//PET206085116
COMPGB2L
Field 61
All opti
Field 86
Option A
:86:COMPANY PLC COMPANY PLC
Field 86
Option
Field 86
Option B
:86:020?00 ?20INVOICE 123?30COMPGB2L?3120000055555555?32COMPANY PLC?3
5SUPPLIER PLC
Field 86
Option
Field 86
Option B+
86:051?00 ?20REMIINVOICE 123?30COMPGB2L?3120000055555555?32COMPANY
PLC?35SUPPLIER PLC
Field 86
Option
Field 86
Option C
:86:/REMI/INVOICE 123
/ORDP/COMPANY PLC
/BENM/SUPPLIER PLC
Field 86
Option
Field 86
Option C+
:86:/EREF/10000B/REMI/INVOICE 123/ORDP//NAME/COMPANY PLC
Field 86
Option
C+
5555555
ays
085116
BAR_9907489COM 25/08/2010 08:45 Page 25
Comparison of Options A, B, B+, C and C+
Payment to non-Barclays UK Beneficiary
These examples show the same payment entry in the three
different formats. As not all types of transaction carry extra
information, this example is only relevant on certain transactions,
generally cross border (international) payments, same day GBP
payments or payments in other currencies.
The debit entry and credit entry show an instruction that was sent
to us by SWIFT MT103 message for execution on 26 April 2007.
The debit instruction is for 999,99 to debit account number
55555555 belonging to Company plc (COMPGB2L) and credit
Supplier plc, account number BE79360099999999 at BANKBEBB.
Company plc’s reference is 10000C, our reference is 206085116
and the remittance information is ‘INVOICE 123’.
The credit instruction is for 999,99 to credit account number
55555555 belonging to Company plc (COMPGB2L), received from
BANKBEBB debiting Supplier plc, account number
BE79360099999999.
BANKBEBB’s reference is 10000D, our reference is 206086116 and
the remittance information is ‘REFUND INVOICE 123’.
Debit Entry
Payment to non-Barclays UK Beneficiary
Field 61
All options
61:0704260426D999,99S10310000C//PET206085116
COMPGB2L
Field 86
Option A
86:SUPPLIER PLC SUPPLIER PLC
Field 86
Option B
86:051?00 ?20INVOICE 123?30BANKBEBB?31BE79360099999999?32SUPPLIER PL
C?35COMPANY PLC
Field 86
Option B+
86:020?00 ?20REMIINVOICE 123?30BANKBEBB?31BE79360099999999?32SUPPLI
ER PLC?35COMPANY PLC
Field 86
Option C
86:/REMI/INVOICE 123
/ORDP/COMPANY PLC
/BENM/SUPPLIER PLC
Field 86
Option C+
86:/EREF/10000C/BENM//NAME/SUPPLIER PLC/REMI/INVOICE 123
/ORDP//NAME/COMPANY PLC
Credit Entry
Payment to non-Barclays UK Beneficiary
Field 61
All options
61:0704260426C999,99S91010000D//PET206086116
BANKBEBB
Field 86
Option A
86:SUPPLIER PLC SUPPLIER PLC
Field 86
Option B
:86:201?00 ?20REFUND INVOICE 123?30BANKBEBB?31BE79360099999999?32SUPP
LIER PLC?35COMPANY PLC
Field 86
Option B+
86:201?00 ?20REMI REFUND INVOICE 123?30BANKBEBB?31BE79360099999999?32
SUPPLIER PLC?35COMPANY PLC
Field 86
Option C
:86:/REMI/REFUND INVOICE 123
/ORDP/SUPPLIER PLC
/BENM/COMPANY PLC
Field 86
Option C+
86:/EREF/10000D/REMI/REFUND INVOICE 123/ORDP/SUPPLIER PLC
24
BAR_9907489COM 25/08/2010 08:45 Page 26
Comparison of entries without F86
These examples show different entry types where field 86 is not
included. The debit entries are from Company plc’s Barclays UK
account number 20000055555555 and 55555551 or Barclays
Germany account number 999999. The credit entries are crediting
Company plc’s Barclays UK account number 20000044444444 and
44444441 or Barclays Germany account number 888888.
The payment debit entry is for credit of Supplier plc. The payment
and standing order credit entries are from Supplier plc.
The cheque number on the cheque entry is 123456.
The amount of each transaction is 999,99.
The layout of these entries is the same for Options A, B, B+, C
and C+.
Debit Entries
Field 61
Three Day Payment
Direct Debit
61:0704260426D999,99FMSC0000
SUPPLIER PLC
Cheque
:61:0704260426D999,99FCHK123456
Sweeping/Zero Balancing
GBP
:61:0704260426D999,99FTRF0000
TRANSFER
44444441
Sweeping/Zero Balancing
non-GBP
:61:0704260426D999,99FCMSNONREF
AUTO-TRANSFER TO ACCOUNT 44444444
Sweeping/Zero Balancing
non-GBP (Barclays o’seas)
:61:0603240324D999,99FCMSNONREF
AB-TFR TO GER ACC 888888EURCURR1
Inter Account Transfer using
Barclays BusinessMaster GBP
:61:0704260426D999,99FMSCBBM TFR TO
20-00-00 4444 4444
Inter Account Transfer using
Barclays BusinessMaster non-GBP
:61:0603230323D999,99NCMSNONREF
BBM TFR TO EUR A/C 44444444
Credit Entries
Field 61
Three Day Payment (Bank Giro Credit, :61:0704260426C999,99FMSC0000
Collection, Counter Credit etc)
SUPPLIER PLC
25
Standing Order
:61:0704260426C999,99FSTO0000
SUPPLIER PLC
Sweeping/Zero Balancing
GBP
:61:0704260426C999,99FTRF0000
TRANSFER
55555551
Sweeping/Zero Balancing
non-GBP
:61:0704260426C999,99FCMSNONREF
AUTO-TRANSFER FROM ACCOUNT 5555555
Sweeping/Zero Balancing
non-GBP (Barclays o’seas)
:61:0704260426C999,99FCMSNONREF
AB-TFR FROM GER ACC 999999EURCURR1
Inter Account Transfer using
Barclays BusinessMaster GBP
:61:0704260426C999,99FMSCBBM TFR FROM
20-00-00 5555-5555
Inter Account Transfer using Barclays
BusinessMaster non-GBP
:61:0603230323C999,99FCMSNONREF
BBM TFR FROM EUR A/C 55555555
e payment
B+, C
BAR_9907489COM 04/10/2010 15:38 Page 27
Contact us
The SWIFT Statements Support Team
Gadbrook Park Contact Centre
Northwich
CW9 7RB
UNITED KINGDOM
Telephone within the United Kingdom
0845 600 4114*
Facsimile within the United Kingdom
FAO SWIFT Statements
0845 300 6876*
Telephone outside the United Kingdom
0044 845 600 4114*
Facsimile outside the United Kingdom
FAO SWIFT Statements
0044 845 300 6876*
*0845 – For BT business customers, calls will cost no more than 4p per minute,
minimum call charge 5.9p (current at September 2010). The price on non-BT
phone lines may be different.
You can get this in Braille, large print or audio by calling 0800 400 100* (via Text Relay if appropriate)
or by ordering online from www.barclays.co.uk/accessibleservices.
*Calls to 0800 numbers are free if made from a UK landline. Calls may be monitored and/or recorded for security and training purposes.
Registered with the Isle of Man Financial Supervision Commission for Banking and Investment Business.
Barclays Bank PLC is regulated by the Jersey Financial Services Commission to carry on deposit taking business under the Banking Business (Jersey) Law 1991 and for the conduct of Investment Business
under the Financial Services (Jersey) Law 1998.
Barclays Bank PLC is licensed under the Banking Supervision (Bailiwick of Guernsey) Law 1994, as amended, and the Protection of Investors (Bailiwick of Guernsey) Law 1987, as amended.
Barclays Corporate is a trading name of Barclays Bank PLC and its subsidiaries. Barclays Bank PLC is registered in England and authorised and regulated by the Financial Services Authority.
Registered number is 1026167 and its registered office is 1 Churchill Place, London E14 5HP.
Item ref: 9907489COM October 2010
26