Account Identification 4Choice Specifies the unique identification of an account as assigned by the account servicer. IBAN International Bank Account Number (IBAN) - identifier used internationally by financial institutions to uniquely identify the account of a customer. Further specifications of the format and content of the IBAN can be found in the standard ISO 13616 "Banking and related financial services - International Bank Account Number (IBAN)" version 1997-10-01, or later revisions. Active Or Historic Currency And Amount A number of monetary units specified in an active or a historic currency where the unit of currency is explicit and compliant with ISO 4217. Currency A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds". Active Or Historic Currency And Amount _Simple Type A number of monetary units specified in an active or a historic currency where the unit of currency is explicit and compliant with ISO 4217. Active Or Historic Currency Code A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds". Amendment Information Details 6 Set of elements used to provide the list of direct debit mandate elements that have been modified when the amendment indicator has been set. Original Mandate Identification Unique identification, as assigned by the creditor, to unambiguously identify the original mandate. Original Creditor Scheme Identification Original creditor scheme identification that has been modified. Original Debtor Account Original debtor account that has been modified. Original Debtor Agent Original debtor agent that has been modified. AT-19 Unique Mandate Reference as given by the Original Creditor who issued the Mandate. Mandatory if changes occur in ‘Mandate Identification’, otherwise not to be used. Mandatory if changes occur in ‘Creditor Scheme Identification’ and or ‘Name’, otherwise not to be used. Only IBAN is allowed. To be used only for changes of accounts within the same bank. To use ‘Identification’ under ‘Other’ under ‘Financial Institution Identification’ with code ‘SMNDA’ to indicate same mandate with new Debtor Agent. To be used with the ‘FRST’ indicator in the ‘Sequence Type’. PRE-NOTICE: The current requirement to use the sequence type ‘FRST’ in a first of a recurrent series of Collections is no longer mandatory as of the effective date of November 2016 of the SEPA Core Direct Debit Rulebook version 9.0 (i.e. a first Collection can be used in the same way as a subsequent Collection with the sequence type ‘RCUR”). Any BICIdentifier Code allocated to a financial or non-financial institution by the ISO 9362 Registration Authority, as described in ISO 9362 "Banking - Banking telecommunication messages - Business identifier code (BIC)". Batch Booking Indicator Identifies whether the sending party requests a single debit or credit entry per individual transaction or a batch entry for the sum of the amounts of all transactions. BICIdentifier Code allocated to a financial institution by the ISO 9362 Registration Authority as described in ISO 9362 "Banking - Banking telecommunication messages - Business identifier code (BIC)". Branch And Financial Institution Identification 4 Set of elements used to uniquely and unambiguously identify a financial institution or a branch of a financial institution. Financial Institution Identification Unique and unambiguous identification of a financial institution, as assigned under an internationally recognised or proprietary identification scheme. Either BIC or ‘Other/Identification’ must be used. Either BIC or ‘Other/Identification’ must be used. Cash Account 16 Set of elements used to identify an account. Identification Unique and unambiguous identification for the account between the account owner and the account servicer. Currency Identification of the currency in which the account is held. Usage: Currency should only be used in case one and the same account number covers several currencies and the initiating party needs to identify which currency needs to be used for settlement on the account. Only IBAN is allowed. Category Purpose 1Choice Specifies the high level purpose of the instruction based on a set of pre-defined categories. Usage: This is used by the initiating party to provide information concerning the processing of the payment. It is likely to trigger special processing by any of the agents involved in the payment chain. Code Category purpose, as published in an external category purpose code list. Proprietary Category purpose, in a proprietary form. Charge Bearer Type 1Code Specifies which party(ies) will pay charges due for processing of the instruction. FollowingServiceLevel Charges are to be applied following the rules agreed in the service level and/or scheme. Country Code Code to identify a country, a dependency, or another area of particular geopolitical interest, on the basis of country names obtained from the United Nations (ISO 3166, Alpha-2 code). Creditor Reference Information 2 Reference information provided by the creditor to allow the identification of the underlying documents. Type Specifies the type of creditor reference. Reference Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction. Usage: If available, the initiating party should provide this reference in the structured remittance information, to enable reconciliation by the creditor upon receipt of the amount of money. If the business context requires the use of a creditor reference or a payment remit identification, and only one identifier can be passed through the end-to-end chain, the creditor's reference or payment remittance identification should be quoted in the end-to-end transaction identification. If ‘Creditor’ Reference contains a check digit, the receiving bank is not required to validate this. If the receiving bank validates the check digit and if this validation fails, the bank may continue its processing and send the transaction to the next party in the chain. RF Creditor Reference may be used (ISO 11649). Creditor Reference Type 1Choice Specifies the type of document referred by the creditor. Code Type of creditor reference, in a coded form. Only ‘SCOR’ is allowed. Creditor Reference Type 2 Specifies the type of creditor reference. Code Or Proprietary Coded or proprietary format creditor reference type. Issuer Entity that assigns the credit reference type. Customer Direct Debit Initiation V02 The CustomerDirectDebitInitiation message is sent by the initiating party to the forwarding agent or creditor's agent. It is used to request single or bulk collection(s) of funds from one or various debtor's account(s) to a creditor. Group Header Set of characteristics shared by all individual transactions included in the message. Payment Information Set of characteristics that apply to the credit side of the payment transactions included in the direct debit transaction initiation. Date And Place Of Birth Date and place of birth of a person. Birth Date Date on which a person is born. Province Of Birth Province where a person was born. City Of Birth City where a person was born. Country Of Birth Country where a person was born. Decimal Number Number of objects represented as a decimal number, eg, 0.75 or 45.6. Direct Debit Transaction 6 Set of elements used to provide specific information on the direct debit transaction and the related mandate. Mandate Related Information Set of elements used to provide further details of the direct debit mandate signed between the creditor and the debtor. Creditor Scheme Identification Credit party that signs the mandate. Mandatory It is recommended that all transactions within the same ‘Payment Information’ block have the same ‘Creditor Scheme Identification’. This data element must be present at either ‘Payment Information’ or ‘Direct Debit Transaction’ level. Direct Debit Transaction Information 9 Set of elements used to provide information specific to the individual direct debit transaction(s) included in the message. Payment Identification Set of elements used to reference a payment instruction. Instructed Amount Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initiating party. Charge Bearer Specifies which party/parties will bear the charges associated with the processing of the payment transaction. Direct Debit Transaction Set of elements providing information specific to the direct debit mandate. Ultimate Creditor Ultimate party to which an amount of money is due. Debtor Agent Financial institution servicing an account for the debtor. Debtor Party that owes an amount of money to the (ultimate) creditor. Debtor Account Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction. Ultimate Debtor Ultimate party that owes an amount of money to the (ultimate) creditor. Purpose Underlying reason for the payment transaction. Usage: Purpose is used by the end-customers, that is initiating party, (ultimate) debtor, (ultimate) creditor to provide information concerning the nature of the payment. Purpose is a content element, which is not used for processing by any of the agents involved in the payment chain. Remittance Information Information supplied to enable the matching of an entry with the items that the transfer is intended to settle, such as commercial invoices in an accounts' receivable system. AT-06 Amount of the Collection in Euro. Only ‘EUR’ is allowed. Amount must be 0.01 or more and 999999999.99 or less. The fractional part has a maximum of two digits. Only ‘SLEV’ is allowed. Mandatory This data element may be present either at ‘Payment Information’ or at ‘Direct Debit Transaction Information’ level. AT-07 Account Number of the Debtor. Only IBAN is allowed. Mandatory, if provided by the Debtor in the Mandate. AT-58 Purpose of the Collection. AT-22 Remittance information from the Creditor. Either ‘Structured’ or ‘Unstructured’, may be present. Customer Direct Debit Initiation V02 Document Type 3Code Specifies a type of financial or commercial document. StructuredCommunicationReference Document is a structured communication reference provided by the creditor to identify the referred transaction. External Category Purpose 1Code Specifies the category purpose, as published in an external category purpose code list. External Local Instrument 1Code Specifies the external local instrument code in the format of character string with a maximum length of 35 characters. The list of valid codes is an external code list published separately. SEPA Direct Debit - 1 Day Settlement Optional shorter time cycle (D-1) for SEPA Core Direct Debit Region: EMEA ISO Country Code: SEPA ISO Currency Code: EUR Payment System: PEACH cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: SEPA Direct Debit - Core Transaction is related to SEPA direct debit -core. Region: EMEA ISO Country Code: SEPA ISO Currency Code: EUR Payment System: PEACH cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: Both External Organisation Identification 1Code Specifies the external organisation identification scheme name code in the format of character string with a maximum length of 4 characters. The list of valid codes is an external code list published separately. External Person Identification 1Code Specifies the external person identification scheme name code in the format of character string with a maximum length of 4 characters. The list of valid codes is an external code list published separately. External Purpose 1Code Specifies the external purpose code in the format of character string with a maximum length of 4 characters. The list of valid codes is an external code list published separately. External Service Level 1Code Specifies the external service level code in the format of character string with a maximum length of 4 characters. The list of valid codes is an external code list published separately. SingleEuroPaymentsArea Payment must be executed following the Single Euro Payments Area scheme. Financial Institution Identification 7 Set of elements used to identify a financial institution. BIC Code allocated to a financial institution by the ISO 9362 Registration Authority as described in ISO 9362 "Banking - Banking telecommunication messages - Business identifier code (BIC)". Other Unique identification of an agent, as assigned by an institution, using an identification scheme. AT-12 BIC of the Creditor bank. The BIC is optional for national transactions except if Member States use the waiver as per Article 16(6) of EU Regulation 260/2012. The BIC is mandatory for EU/EEA cross-border transactions until 31 January 2016 and it will continue to be mandatory for non-EU/non-EEA cross-border SEPA transactions. AT-13 BIC of the Debtor Bank. The BIC is optional for national transactions except if Member States use the waiver as per Article 16(6) of EU Regulation 260/2012. The BIC is mandatory for EU/EEA cross-border transactions until 31 January 2016 and it will continue to be mandatory for non-EU/non-EEA cross-border SEPA transactions. Generic Financial Identification 1 Information related to an identification, eg, party identification or account identification. Identification Unique and unambiguous identification of a person. Only ‘NOTPROVIDED’ is allowed. Generic Organisation Identification 1 Information related to an identification, eg, party identification or account identification. Identification Identification assigned by an institution. Scheme Name Name of the identification scheme. Issuer Entity that assigns the identification. Generic Person Identification 1 Information related to an identification, eg, party identification or account identification. Identification Unique and unambiguous identification of a person. Scheme Name Name of the identification scheme. Issuer Entity that assigns the identification. Group Header 39 Set of characteristics shared by all individual transactions included in the message. Message Identification Point to point reference, assigned by the instructing party and sent to the next party in the chain, to unambiguously identify the message. Usage: The instructing party has to make sure that MessageIdentification is unique per instructed party for a pre-agreed period. Creation Date Time Date and time at which a (group of) payment instruction(s) was created by the instructing party. Number Of Transactions Number of individual transactions contained in the message. Control Sum Total of all individual amounts included in the message, irrespective of currencies. Initiating Party Party that initiates the payment. Usage: This can either be the creditor or a party that initiates the direct debit on behalf of the creditor. The fractional part has a maximum of two digits IBAN2007Identifier An identifier used internationally by financial institutions to uniquely identify the account of a customer at a financial institution, as described in the latest edition of the international standard ISO 13616:2007 - "Banking and related financial services - International Bank Account Number (IBAN)". ISODate A particular point in the progression of time in a calendar year expressed in the YYYY-MM-DD format. This representation is defined in "XML Schema Part 2: Datatypes Second Edition - W3C Recommendation 28 October 2004" which is aligned with ISO 8601. ISODate Time A particular point in the progression of time defined by a mandatory date and a mandatory time component, expressed in either UTC time format (YYYY-MM-DDThh:mm:ss.sssZ), local time with UTC offset format (YYYY-MM-DDThh:mm:ss.sss+/-hh:mm), or local time format (YYYY-MM-DDThh:mm:ss.sss). These representations are defined in "XML Schema Part 2: Datatypes Second Edition - W3C Recommendation 28 October 2004" which is aligned with ISO 8601. Note on the time format: 1) beginning / end of calendar day 00:00:00 = the beginning of a calendar day 24:00:00 = the end of a calendar day 2) fractions of second in time format Decimal fractions of seconds may be included. In this case, the involved parties shall agree on the maximum number of digits that are allowed. Local Instrument 2Choice Set of elements that further identifies the type of local instruments being requested by the initiating party. Code Specifies the local instrument, as published in an external local instrument code list. AT-20 The identification code of the Scheme. Only ‘CORE’ or ‘COR1’ is allowed. PRE-NOTICE: As of the effective date of November 2016 of the SEPA Core Direct Debit Rulebook version 9.0, all Collections presented for the first time, on a recurrent basis or as a one-off Collection can be presented up to D-1 Inter-Bank Business Day (D-1). The standard time cycle code is ‘CORE’. The mixing of different Local Instrument values is not allowed in the same message. Mandate Related Information 6 Set of elements used to provide further details related to a direct debit mandate signed between the creditor and the debtor. Mandate Identification Unique identification, as assigned by the creditor, to unambiguously identify the mandate. Date Of Signature Date on which the direct debit mandate has been signed by the debtor. Amendment Indicator Indicator notifying whether the underlying mandate is amended or not. Amendment Information Details List of mandate elements that have been modified. Electronic Signature Additional security provisions, such as a digital signature, as provided by the debtor. Mandatory AT-01 Unique Mandate Reference. Mandatory AT-25 Date of Signing of the Mandate. AT-24 Reason for Amendment of the Mandate. Mandatory if ‘Amendment Indicator’ is ‘true’. The reason from the Rulebook is indicated by using the following message sub-elements. AT-16 Placeholder for the electronic signature data, if applicable. AT-17 Type of Mandate (paper, e-Mandate). AT-60 Reference of the validation made by the Debtor Bank (if present in DS-03). If the direct debit is based on an EPC electronic mandate, this data element must contain AT-60 which is the reference to the Mandate Acceptance Report made by the Debtor Bank. This data element is not to be used if the mandate is a paper mandate. Max 1025Text Specifies a character string with a maximum length of 1025 characters. Max 140Text Specifies a character string with a maximum length of 140 characters. Max 15Numeric Text Specifies a numeric string with a maximum length of 15 digits. Max 35Text Specifies a character string with a maximum length of 35 characters. Max 70Text Specifies a character string with a maximum length of 70characters. Organisation Identification 4 Unique and unambiguous way to identify an organisation. BICOr BEI Code allocated to a financial institution or non financial institution by the ISO 9362 Registration Authority as described in ISO 9362 "Banking - Banking telecommunication messages - Business identifier code (BIC)". Other Unique identification of an organisation, as assigned by an institution, using an identification scheme. Organisation Identification Scheme Name 1Choice Sets of elements to identify a name of the organisation identification scheme. Code Name of the identification scheme, in a coded form as published in an external list. Proprietary Name of the identification scheme, in a free text form. Party 6Choice Nature or use of the account. Organisation Identification Unique and unambiguous way to identify an organisation. Private Identification Unique and unambiguous identification of a person, eg, passport. Either ‘BIC or BEI’ or one occurrence of ‘Other’ is allowed. Either ‘Date and Place of Birth’ or one occurrence of ‘Other’ is allowed. Mandatory Private Identification is used to identify either an organisation or a private person. Private Identification is used to identify either an organisation or a private person. Party Identification 32 Set of elements used to identify a person or an organisation. Name Name by which a party is known and which is usually used to identify that party. Postal Address Information that locates and identifies a specific address, as defined by postal services. Identification Unique and unambiguous identification of a party. ‘Name’ is limited to 70 characters in length. Mandatory AT-03 Name of the Creditor. ‘Name’ is limited to 70 characters in length. AT-05 Address of the Creditor. AT-38 Name of the Creditor Reference Party. ‘Name’ is limited to 70 characters in length. AT-39 Identification code of the Creditor Reference Party. Mandatory AT-02 Identifier of the Creditor. Original AT-03 Name of the Creditor. If present the new’ Name’ must be specified under ‘Creditor’. ‘Name’ is limited to 70 characters in length. AT-18 Identifier of the original Creditor who issued the Mandate. Mandatory AT-02 Identifier of the Creditor. Mandatory AT-14 Name of the Debtor. ‘Name’ is limited to 70 characters in length. In case of a mandate generated using data from a payment card at the point of sale which results in a direct debit to and from a payment account, and where the name of the Debtor is not available, the attribute “Name of the Debtor” must be filled in with “/CDGM” (note: Card Data Generated Mandate), followed by “/card number”, “/sequence number” and “/expiry date of the card” (note: this means that the information parts are delimited by “/”) or, if these data elements are not available, by any other data element(s) that would uniquely identify the Debtor to the Debtor Bank. AT-09 Address of the Debtor. AT-27 Debtor identification code. AT-15 Name of the Debtor Reference Party. ‘Name’ is limited to 70 characters in length. Mandatory if provided by the Debtor in the mandate. AT-37 Identification code of the Debtor Reference Party. Payment Identification 1 Set of elements used to provide further means of referencing a payment transaction. Instruction Identification Unique identification as assigned by an instructing party for an instructed party to unambiguously identify the instruction. Usage: the instruction identification is a point to point reference that can be used between the instructing party and the instructed party to refer to the individual instruction. It can be included in several messages related to the instruction. End To End Identification Unique identification assigned by the initiating party to unumbiguously identify the transaction. This identification is passed on, unchanged, throughout the entire end-to-end chain. Usage: The end-to-end identification can be used for reconciliation or to link tasks relating to the transaction. It can be included in several messages related to the transaction. AT-10 Creditor’s reference of the direct debit Collection. Payment Instruction Information 4 Set of characteristics that apply to the credit side of the payment transactions included in the direct debit initiation. Payment Information Identification Unique identification, as assigned by a sending party, to unambiguously identify the payment information group within the message. Payment Method Specifies the means of payment that will be used to move the amount of money. Batch Booking Identifies whether a single entry per individual transaction or a batch entry for the sum of the amounts of all transactions within the group of a message is requested. Usage: Batch booking is used to request and not order a possible batch booking. Number Of Transactions Number of individual transactions contained in the payment information group. Control Sum Total of all individual amounts included in the group, irrespective of currencies. Payment Type Information Set of elements used to further specify the type of transaction. Requested Collection Date Date and time at which the creditor requests that the amount of money is to be collected from the debtor. Creditor Party to which an amount of money is due. Creditor Account Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction. Creditor Agent Financial institution servicing an account for the creditor. Ultimate Creditor Ultimate party to which an amount of money is due. Charge Bearer Specifies which party/parties will bear the charges associated with the processing of the payment transaction. Creditor Scheme Identification Credit party that signs the mandate. Direct Debit Transaction Information Set of elements used to provide information on the individual transaction(s) included in the message. If present and contains ‘true’, batch booking is requested. If present and contains ‘false’, booking per transaction is requested. If element is not present, pre-agreed customer-to-bank conditions apply. The fractional part has a maximum of two digits Mandatory AT-11 Due Date of the Collection. AT-04 Account Number of the Creditor. This data element may be present either at 'Payment Information' or at 'Direct Debit Transaction Information' level. Only ‘SLEV’ is allowed. It is recommended that this element be specified at ‘Payment Information’ level. It is recommended that all transactions within the same ‘Payment Information’ block have the same ‘Creditor Scheme Identification’. This data element must be present at either ‘Payment Information’ or ‘Direct Debit Transaction’ level. Payment Method 2Code Specifies the transfer method that will be used to transfer the cash. DirectDebit Collection of an amount of money from the debtor's bank account by the creditor. The amount of money and dates of collections may vary. Payment Type Information 20 Set of elements used to provide further details of the type of payment. Service Level Agreement under which or rules under which the transaction should be processed. Local Instrument User community specific instrument. Usage: This element is used to specify a local instrument, local clearing option and/or further qualify the service or service level. Sequence Type Identifies the direct debit sequence, such as first, recurrent, final or one-off. Category Purpose Specifies the high level purpose of the instruction based on a set of pre-defined categories. Usage: This is used by the initiating party to provide information concerning the processing of the payment. It is likely to trigger special processing by any of the agents involved in the payment chain. Mandatory Mandatory Mandatory AT-21 Transaction / Sequence Type. If ‘Amendment Indicator’ is ‘true’, and ‘Original Debtor Agent’ is set to ‘SMNDA’, this message element must indicate ‘FRST’. PRE-NOTICE: The current requirement to use the sequence type ‘FRST’ in a first of a recurrent series of Collections is no longer mandatory as of the effective date of November 2016 of the SEPA Core Direct Debit Rulebook version 9.0 (i.e. a first Collection can be used in the same way as a subsequent Collection with the sequence type ‘RCUR”). AT-59 Category purpose of the Collection. Depending on the agreement between the Creditor and the Creditor Bank, ‘Category Purpose’ may be forwarded to the Debtor Bank. Person Identification 5 Unique and unambiguous way to identify a person. Date And Place Of Birth Date and place of birth of a person. Other Unique identification of a person, as assigned by an institution, using an identification scheme. Only one occurrence of ‘Other’ is allowed, and no other sub-elements are allowed. 'Identification' must be used with an identifier described in General Message Element Specifications, Chapter 1.5.2. ‘Proprietary’ under ‘Scheme Name’ must specify ‘SEPA’. Person Identification Scheme Name 1Choice Sets of elements to identify a name of the identification scheme. Code Name of the identification scheme, in a coded form as published in an external list. Proprietary Name of the identification scheme, in a free text form. Postal Address 6 Information that locates and identifies a specific address, as defined by postal services. Country Nation with its own government. Address Line Information that locates and identifies a specific address, as defined by postal services, presented in free format text. Only two occurrences are allowed. Purpose 2Choice Specifies the underlying reason for the payment transaction. Usage: Purpose is used by the end-customers, that is initiating party, (ultimate) debtor, (ultimate) creditor to provide information concerning the nature of the payment. Purpose is a content element, which is not used for processing by any of the agents involved in the payment chain. Code Underlying reason for the payment transaction, as published in an external purpose code list. Remittance Information 5 Information supplied to enable the matching/reconciliation of an entry with the items that the payment is intended to settle, such as commercial invoices in an accounts' receivable system. Unstructured Information supplied to enable the matching/reconciliation of an entry with the items that the payment is intended to settle, such as commercial invoices in an accounts' receivable system, in an unstructured form. Structured Information supplied to enable the matching/reconciliation of an entry with the items that the payment is intended to settle, such as commercial invoices in an accounts' receivable system, in a structured form. ‘Unstructured’ may carry structured remittance information, as agreed between the Creditor and the Debtor. Only one occurrence of ‘Unstructured’ is allowed. ‘Structured’ can be used, provided the tags and the data within the ‘Structured’ element do not exceed 140 characters in length. Only one occurrence of ‘Structured’ is allowed. Sequence Type 1Code Specifies the type of the current transaction that belongs to a sequence of transactions. Specific attributes are required for the first, the recurring and the last instructions of a series, as well as the specification of a unique transaction (one-off direct debit transaction). Final Final collection of a series of direct debit instructions. First First collection of a series of direct debit instructions. OneOff Direct debit instruction where the debtor's authorisation is used to initiate one single direct debit transaction. Recurring Direct debit instruction where the debtor's authorisation is used for regular direct debit transactions initiated by the creditor. Service Level 8Choice Specifies the service level of the transaction. Code Specifies a pre-agreed service or level of service between the parties, as published in an external service level code list. AT-20 The identification code of the Scheme. Only ‘SEPA’ is allowed. Structured Remittance Information 7 Information supplied to enable the matching/reconciliation of an entry with the items that the payment is intended to settle, such as commercial invoices in an accounts' receivable system, in a structured form. Creditor Reference Information Reference information provided by the creditor to allow the identification of the underlying documents. When present, the Creditor Bank is not obliged to validate the reference information. When used, both ‘Type’ and ‘Reference’ must be present. True False Indicator A flag indicating a True or False value.