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0 TRANSFER ............................................................. - bweb

1. them Code word Meaning Additional information INV Invoice Date s reference s of the invoice s IRFB Reference for the Reference beneficiary customer ROC Reference of ordering Reference customer Examples 70 INVOICE No 12546 of 020225 70 INV 12546 of 020225 Heading 71A Breakdown of fees compulsory Format 3 alphanumerical characters Contents Select the code using the drop down list Possible values Code Meaning OUR All costs borne by the ordering customer BEN All costs borne by the beneficiary SHA The costs are shared The ordering customer pays the costs of the ordering bank The other costs are deducted Note When payments are made by bank cheque any cheque collection charges will always be borne by the beneficiary Belgolaise Bankers User Manual 33 Date 19 08 02 Example 71A SHA Belgolaise Bankers User Manual Date 19 08 02 34 Heading 71F Amount of costs deducted from transfer optional Format XXXNNNNNNNNNNNNNNN With XXX 3 alphabetical positions NNNNNNNNNNNNNNN 15 numerical positions Contents gt ISO currency code gt Amount This field may be repeated several times in an order It gives the amount and the currency of the costs deducted The presence of this field depends on the value contained in field 71A Code Consequences OUR Ban on using a 71F field
2. Contents Identif zone Give the name of the beneficiary customer and if possible the passport number The name is compulsory Anonymous payments are prohibited by the GAFI of which Belgium is a member and by the Banking and Finance Commission in Belgium Bank cheques are subject to this rule They must always be issued by order For more of information about the CBF and the GAFI please consult sites http www cbf be mov htm and http faft gafi org index_fr htm Address zone give the address of the beneficiary The address is optional Checks Error messages Actions Check account if IBAN The IBAN zone is incorrect Check and correct the IBAN format account number entered Heading 59 First line compulsory the others Complete the first line of field 59 optional for the address zone with the name of the beneficiary customer Example 59D Mr Jean Albert Av du Pont Neuf 9 F 75005 Paris Belgolaise Bankers User Manual 68 Date 19 08 02 Example of advice of cheque On 15 01 2002 you made out a bank cheque No 549847 by order of Mr Kananda Thimore for USD 50 drawn on your account at Belgolaise No 603 7880010 58 You send us the issue advice in the morning of 16 01 2002 Details of message to be produced Heading Name of heading Values to be entered 20 Issuer reference 240202TRE50009 53B Account to be debited 603788000578 USD 21 Ch
3. If the line starts with a code word check that this is followed by the character If there is no code word the line must start with Examples REC For the attention of Mr X please let us have the exchange rate applied to this transaction by telex IBNF please advise beneficiary by telex Belgolaise Bankers User Manual Date 19 08 02 51 Example of cash flow transfer order You wish to make a transfer from your account 603788000578 at our bank to supply funds for your account N 1256148710 at ING Amsterdam for the sum of EUR 50000 value date 25 01 2002 Details of message to be produced Heading Name of heading Values to be entered 20 Issuer reference 240102TRE50000 32A Date Amount Currency 020125EUR50000 53B Account to be debited 603788000578 EUR 57A Beneficiary s bank INGBNL2A 72 Interbank communication BNF CREDIT ACC 1256148710 Belgolaise Bankers User Manual 52 Date 19 08 02 Formatting a financial institution transfer Structure The information to be sent to Belgolaise and required to carry out your cash flow transfer is listed as follows Issuer reference 21 Beneficiary s reference 32A Date Currency Amount 52A 52D Ordering bank 53B Account to be debited 56A 56D Intermediary bank 57A 57D Beneficiary s bank 58A 58D IBeneficiary bank 72 Interbank communication n ommonmooo The last co
4. Checks Error messages Actions Inconsistent date The date is invalid for the Date zone Correct the date entered Date gt date of the day The date is later than date of the day 1 Is this correct Check the date Select the option of your choice If necessary correct the date Example 30 020117 Heading 32B Currency and amount compulsory Format XXXNNNNNNNNNNNNNNN With XXX NNNNNNNNNNNNNNN Contents 3 alphabetical positions 15 numerical positions ISO currency code of the cheque Amount of the cheque Checks Amount Error messages Actions If value is non numerical The amount must be numerical Check encoding you have entered a letter instead of a figure If value 0 The amount zone must be Enter the amount of the higher than zero payment Number of decimals Incorrect number of decimals for the currency Check and correct the amount entered Example 32B USD1245 18 Heading 52 B Location of ordering bank optional Format of 52B 35 alphanumerical characters Contents You can use this heading to enter the references of one of your branches if the cheque has been drawn by the latter and not by the head office Example 52B MATADI Belgolaise Bankers User Manual Date 19 08 02 67 Heading 59 Beneficiary customer compulsory Format 35 alphanumerical characters
5. Enter a new reference not mentioned in other messages Example 20 CHRE5478Y Heading 21 Beneficiary s reference compulsory Format 16 alphanumerical characters Contents Give the references of the beneficiary here No of remittance message etc Checks Error messages Actions Structure The reference zone may not Delete one or both of them contain the characters consecutively Example 21 CHRE145698 Heading 32A Value date currency and amount compulsory Format AAMMJJXXXNNNNNNNNNNNNNNN With YYMMDD 6 numerical positions XXX 3 alphabetical positions NNNNNNNNNNNNNNN 15 numerical positions Contents Payment value date format year month day ISO currency code of the currency to be transferred Amount to be transferred Belgolaise Bankers User Manual Date 19 08 02 54 Checks Value date Error messages Actions Value date of the day Warning message The date predates the date of the day Is this correct Choose the option or no If the date entered incorrect correct it If the requested of payment predates date of the day check that your message includes a 23E SDVA field Date later than D 3 working days No error message in B Web but the bank reserves the right to correct the value date Inconsistent date The date is invalid Enter the date using the format
6. 6031234567 12 Heading 56A or 56D Intermediary bank optional Format of 56A Two fields accessible for this heading Account alphanumerical zone of 34 characters BIC code Bank Identifier Code alphanumerical zone of 11 characters Format of 56D Three fields accessible for this heading Account alphanumerical zone of 34 characters Identification and addresses 4 lines each of 35 characters Clearing code type of clearing code and code Contents This field is only used when you wish to specify a payment path and you have the name of the Head Office correspondent of the beneficiary s bank Otherwise our systems will automatically create the payment path that we consider most suited to the payment requested gt Account This field is optional It only has to be completed when the intermediary bank has an account with the branch of Belgolaise which is to make the payment gt Identification of the bank f you have the BIC identification of the intermediate bank fill in heading 56A entering the BIC code of the bank Ifthe intermediate bank does not have a BIC code fill in heading 56D giving the name of the bank and at least the town or city If heading 56 has to be completed enter either 56A or 56D but not both gt Clearing code The clearing code only has to be entered if you know the clearing code of the intermediary bank Select the type of clearing code first and then enter the co
7. USD FW 9 figures Fedwire routing number The codes traditionally most frequently used are FW and SC Checks Error messages Actions Check account if IBAN format The IBAN zone is incorrect Check and correct the IBAN account number entered The first 4 characters must exist in the BIC Directory The BIC zone is incorrect Correct the BIC code entered Characters 5 to 8 of the BIC code must exist in the BIC Directory The BIC zone is incorrect Correct the BIC code entered Heading 56D First line compulsory the others Complete the first line of the optional for the address zone identification field of heading 56D Important f heading 56 is used then heading 57 becomes compulsory Ifthe intermediary bank is codified in the BIC Directory we advise you to complete heading 56A rather than heading 56D otherwise you will be charged manual processing costs repair costs Examples 56A BLGOBEBB 56D 603000000099 BIAO Abidjan 56D FW123456789 US bank New York Belgolaise Bankers User Manual Date 19 08 02 58 Heading 57 Beneficiary s bank optional Compulsory heading if heading 56 is used Format of 57A Two fields accessible for this heading Account alphanumerical zone of 34 characters BIC code Bank Identifier Code alphanumerical zone of 11 characters Format of 57D Three fields accessible
8. 603154987148 BankZ Tunis 58D CH123456 Bank of Hong Kong Singapore Heading 72 Interbank communication optional Format 6 lines of 35 alphanumerical characters Contents This field is used to pass additional information which cannot be encoded and which relates to the payment between banks It is essential to begin the first line with the character followed by a code word There may only be one code word per line If the text that follows a code word does not fit on one line the following lines must begin with the double character Do not use in the body of the text Only use this field if absolutely necessary as its use automatically implies manual processing of the transaction Code word Meaning ACC Message intended for the bank indicated in field 57 Give name and the address of the branch of this bank with which the beneficiary has an account behind this code word REC Message intended for the branch of Belgolaise to which your order is sent BNF Message intended for the beneficiary s bank indicated in field 57 or given behind instruction ACC Belgolaise Bankers User Manual Date 19 08 02 61 Checks Error messages Actions Validity of the code Incorrect code word Check that the code is correct and that there that is only one code word per line Presence of the code word The first line of the Communi zone must
9. Date 19 08 02 29 Heading 57 Bank of beneficiary compulsory Format of 57A Two fields accessible for this heading Account alphanumerical zone of 34 characters BIC code Bank Identifier Code alphanumerical zone of 11 characters Format of 57D Three fields accessible for this heading Account alphanumerical zone of 34 characters Identification and address 4 lines each of 35 characters Clearing code type of clearing code and code Contents gt Account This field is optional You can give the account number of the beneficiary s bank with the intermediary bank or the Belgolaise branch to which the order is addressed gt Identification of the bank f you have the BIC identification of the beneficiary s bank fill in heading 57A giving the BIC code of the bank Ifthe beneficiary s bank does not have a BIC code complete heading 57D giving the name of the bank and at least the town and city In countries where there are no branch codes it is best to give the full address of the beneficiary s bank gt Clearing code The clearing code only has to be entered if you know the clearing code of the beneficiary s bank First select the type of clearing code and then enter the code itself The clearing codes most frequently used in this zone are CH and FW for payments in USD and SC for payments in GBP For details of the available clearing codes please refer to the list giv
10. Error messages Actions Validity of the code Incorrect code word Check that the code is correct and that there that is only a code word per line Presence of the code word The first line of the Communi zone must begin with the character Check that there is a code word in the first line Continuation of a first line of communication The following lines of the Communi Zone must begin with the character followed by a code word or two consecutive characters This is incorrect for line 2 If the line begins with a code word check that this is followed by the character If there is no code word the line must begin with Example REC For the attention of Mr X please let us know the exchange rate applied to this transaction Iby telex Heading 21 Cheque number compulsory Format 16 alphanumerical characters Contents Give the number of cheque drawn at our bank This number will be given as the debit reference on your statements of account Check Error messages Actions Structure The reference zone may not Delete one or both contain the characters consecutively Example 21 145698 Heading 30 Date of issue compulsory Format 6 numerical characters format YYMMDD Contents Give the date on which the cheque was issued Belgolaise Bankers User Manual Date 19 08 02 66 Checks
11. None HOLD The amount must be kept at the bank at the Beneficiary s identity paper disposal of the beneficiary INTC Intra company payment the transfer is ordered None by and in favour of the same beneficiary trading company PHON Advise the beneficiary by telephone Telephone number in international format name of correspondent to be called SDVA The value date must be respected None TELE Advise the beneficiary by telex or fax Telex or fax number in international format Important Make sure that nothing is entered under additional information when None is indicated Check Error messages Actions If there is additional The Code zone is compulsory Select the corresponding code information in the absence of a code word Examples 23E HOLD Passport 123456 issued in New York on 15 01 2000 23E PHON 00322268951 Meaning Keep at the disposal of the holder of passport 123456 issued in New York on 15 01 2002 and inform the beneficiary of the arrival of the funds by telephone on 00322268951 Belgolaise Bankers User Manual 21 Date 19 08 02 Heading 32A Value date currency and amount compulsory Format AAMMJJXXXNNNNNNNNNNNNNNN With Contents AAMMJJ 6 numerical positions XXX 3 alphabetical positions NNNNNNNNNNNNNNN Payment value date format year size month day YYMMDD Y year M month D day ISO currency code of the cur
12. 603104106407USD In 57 Beneficiary s bank Out EL Filters 001 535 Sender s correspondant 603104106407U3D ap aon Beneficiary s bank 002 delete Nocmtol see Exit Unsaved version The top part gives details of the message a vertical scrolling bar enables you to surf if the size of the window prevents you from viewing the entire message To facilitate encoding B Web proposes a model per type of message containing the names for the standard information which you simply have to complete This model consists of various lines blue or black prefixed by what we will call heading numbers 20 23B 32A etc The compulsory headings of the message black lines must encoded whereas you are advised to complete the optional headings blue lines Other information which is not included in the model but which provides supplementary payment details may also be added The lower part displays the field or fields comprising the heading previously selected in the top part This is the part of the screen in which you can add to or modify the heading For your convenience the background colour of the lower part of the screen varies depending on the type of message you are encoding Belgolaise Bankers User Manual 5 Date 19 08 02 Encoding modifying a heading In the top part of the screen click the heading you wish to add to or modify Baague Create message Comm
13. BEN If costs were deducted they must be indicated at least in a field 71F field 33B is compulsory SHA There may only be a field 71F if an ordering bank is given in field 52 Field 33B is compulsory if field 71F is significant Checks Error messages Actions If value is non numerical Unauthorised characters in the Check the amount entered number If value 0 The Amount zone must be Encode an amount higher than 0 Number of decimals Incorrect number of decimals for Check and correct the amount the currency entered Example 71F EUR15 10 Heading 72 Interbank communication optional Format 6 lines of 35 alphanumerical characters Contents This field is used to communicate additional information that cannot be encoded and relates to the payment between banks tis essential to begin the first line with the character followed by a code word There may only be one code word per line Ifthe text that follows a code word does not fit on one line the following lines will begin with the double character Donotuse in the body of the text Only use this field if absolutely necessary as its use automatically implies manual processing of the transaction Belgolaise Bankers User Manual 35 Date 19 08 02 Code words Meaning ACC Message intended for the bank indicated in field 57 Give the name and address of the b
14. Manual Date 19 08 02 22 Heading 33B Currency and original amount optional Format XXXNNNNNNNNNNNNNNN With XXX 3 alphabetical positions NNNNNNNNNNNNNNN 15 numerical positions Contents ISO currency code of the currency of origin Original amount This heading is compulsory when amount transferred is made with costs borne by the beneficiary and the costs were deducted from the in the case of currency arbitrage exchange between two currencies as regards the beneficiary Checks Error messages Actions If value is non numerical The amount must be numerical Check the encoding you have entered a letter instead of a figure If value 0 The amount zone must be higher than zero Enter the amount of the payment Number of decimals Incorrect number of decimals for the currency Check and correct the amount entered Examples The customer asks to transfer cool USD 1500 at the expense of the beneficiary Your costs amount to USD 10 32A 020317USD1490 00 33B USD1500 00 The customer requests the transfer of the equivalent value of USD 100 in EUR The rate is USD 0 90 EUR 32A 020401EUR11 1 11 33B USD100 00 Belgolaise Bankers User Manual Date 19 08 02 23 Heading 36 Exchange rate optional Format 12 numerical positions Contents Exchange rate applied to the original amoun
15. You can sign several messages at once irrespective of their type Simply select the various messages that you wish to sign Belgolaise Bankers User Manual Date 19 08 02 70 45 erga BELGOLAISE Bank 603 1041064 07 EUR 603 1041064 07 FRF 603 1041064 07 USD E Database E Banks BIAO ABIDJAN J BLGO BXL FDGFGBGFH E sii 13131231213 CH00000125 E Filters 5 000 1 NEUHFRDK lt 5 000 gt 2 000 i GTRYHNHG 01 09 2001 20 11 20 j DFTHYTGFG DFTHYTGFG JHYYJHNJH NEUHFRDK Henge BELGOLAISE Bank Accounts 603 1041064 07 EUR 603 1041064 07 FRF 603 1041064 07 USD E Database E Banks BELGOLAISE PARIS BIAO ABIDJAN BLGO BXL CITINY FORTIS BXL EF Filters lt 5 000 gt 1 5 000 2 000 01 09 2001 20 11 20 Click the Digipass button to sign your messages Commercial ercial h flow Commercial Commercial Cheque a Commercial Commercial Cash flow Bank Bank Cheque a Commercial TEST BAN 103 006 Commercial TEST BAN 103 005 Commercial 20 06 2002 05 06 2000 10 08 2002 18 05 2002 18 05 2002 17 05 2002 17 05 2002 17 05 2002 18 05 2002 17 05 2002 17 05 2002 Amount Beneficiary BLGOBEBB BIAOCIAB 0 USD BLGOBEBB EUR GEBABEBB EUR LGLL USD GEBABEBB USD BLGOFRPP USD BANQUE CO EUR BLGOBEBBX EUR BLGOBEBBX USD SDFVRT USD BLGOFRPP USD BANQUE CO USD BLGOBEBB 203 058 01 EUR si Belgolaise Bankers User Manu
16. bank BKTRUS33 57A Beneficiary s bank DEUTDEFF 59 Beneficiary customer 50070010 1589641258 UNIBAR 70 Communication advance invoice KK15423 of 210102 71 Breakdown of fees OUR Notes The main correspondent of DEUTDEFF in USD is BKTRUS33 Field 56 is optional The BLZ German Bankleitzahl can only be used in field 57 clearing code for a payment in EUR For a payment in USD the clearing code is placed in front of the account and separated from this by a space Same example but the ordering customer also gives you the CHIPS international identification code for payments in USD of the Deutsche Bank Frankfurt UID 008786 Details of message to be produced Heading Name of heading Values to be entered 20 Issuer reference 020227REF 12569 23B Type of transaction CRED 23E Codified instruction PHON 32121547895MR RICHARDS 32A Date Amount Currency 020215USD590 35 33B Amount currency of origin EUR655 35 36 Exchange rate 0 8951 50K Ordering customer 12345 ARRAMETAL 53B Account to be debited 603788000578 EUR 57A Beneficiary s bank CH008786 DEUTDEFF 59 Beneficiary customer 50070010 1589641258 UNIBAR 70 Communication advance invoice KK15423 of 210102 71 Breakdown of fees OUR Belgolaise Bankers User Manual Date 19 08 02 39 Belgolaise Bankers User Manual Date 19 08 02 40 3 Mrs Lidia Tshimanga wishes to transfer
17. codes Bank Identifier code intended for financial institutions As is the case for the BIC codes the BEI codes must be recorded with SWIFT They are listed in their BIC directory Swift Customer Order Services 1 avenue Ad le B 1310 La Hulpe Belgium You can consult this directory directly on the Internet site at http www swift com biconline index cfm Format of 50K Two fields accessible for this heading Account alphanumerical zone of 34 characters Identification and addresses 4 lines each of 35 characters Belgolaise Bankers User Manual 24 Date 19 08 02 Contents gt Ordering customer Account identification gt Account Give the account number or IBAN of the ordering customer if you have it optional This information will improve the traceability of the order should a problem arise gt Identification of the ordering customer If the ordering customer has a BEI identification code fill in heading 50A by entering the customer s BEI code exceptional If the ordering customer does not have a BEI code most frequent case fill in a heading50K giving the following information Customer s name Anonymous payments are prohibited by the GAFI of which Belgium is a member and the Banking and Finance Commission in Belgium For more information about the CBF and the GAFI please consult sites http www cbf be mov htm and http www fatf gafi org index fr htm T
18. day month year DDMMYY The Belgolaise will respect the indicated debit value date which will make the reconciliation of your transactions easier Transfers will be carried out under the value date given if the order is received before our CUT OFF TIME for the currency Please refer to Appendix 1 for more information concerning the CUT OFF TIME Amount Error messages Actions If value is non numerical The amount must be numerical Check encoding you have entered a letter instead of a figure If value 0 The amount zone must be Enter the amount of the higher than zero payment Number of decimals Incorrect number of decimals for the currency Check and correct the amount entered Example 32A 020217USD1245 18 Heading 52A or 52D Ordering bank optional Format of 52A Two fields accessible for this heading Account alphanumerical zone of 34 characters BIC code Bank Identifier code alphanumerical zone of 11 characters For your information The BIC codes are intended for financial institutions They must be registered with SWIFT They are listed in the BIC directory published by the latter Swift Customer Order Services 1 avenue Ad le B 1310 La Hulpe Belgium You can also consult the directory directly on the Internet site at http www swift com biconline index cfm Format of 52D Two fields accessible for this heading Acc
19. for this heading Account alphanumerical zone of 34 characters Identification and addresses 4 lines each of 35 characters Clearing code type of clearing code and code Contents Field 57 is compulsory when the beneficiary does not have an account with the branch of Belgolaise which has the account indicated in field 53B gt Account This field is optional You can use it to give the account number of the beneficiary s bank with the intermediary bank if heading 56 is used or of Belgolaise gt Identification of the bank f you have the BIC identification of the beneficiary s bank complete heading 57A entering the BIC code of the bank If the beneficiary s bank does not have a BIC code complete heading 57D giving the name of the bank and at least the town or city In countries where there are no branch codes it is best to give the full address of the beneficiary s bank If heading 57 has to be codified enter either 57A or 57D but not both gt Clearing code The clearing code only has to be given if you know the clearing code of the beneficiary s bank First select the type of clearing code and then enter the code itself The clearing codes most frequently used are FW and CH for payments in USD and SC for payments in GBP For details of the clearing codes available please refer to the list given with heading 56 Checks Error messages Actions Check account if IB
20. the address zone 52D with the name of the ordering customer s bank Examples 52A BLGOBEBB 52A 0652125879 BLGOBEBB 52D 603542154889 BELGOLAISE CANTERSTEEN 1 B 1000 Brussels Belgium 52D BELGOLAISE Cantersteen 1 B 1000 Brussels BELGIUM Belgolaise Bankers User Manual Date 19 08 02 56 Field 53B Account to be debited compulsory Format Maximum 34 alphanumerical characters Contents The account to be debited selected from the left hand side of the screen will be automatically entered in this field This account will be debited by our services when the transaction is effected Example 53B 6031234567 12 Heading 56A or 56D Intermediary bank optional Format of 56A Two fields accessible for this heading Account alphanumerical zone of 34 characters BIC code Bank Identifier Code alphanumerical zone of 11 characters Format of 56D Three fields accessible for this heading Account alphanumerical zone of 34 characters Identification and addresses 4 lines each of 35 characters Clearing code type of clearing code and code Contents This heading is only completed when you wish to specify a payment path Otherwise our systems will automatically create the payment path that we consider most suited to the payment requested gt Account This field is optional It only has to be completed when the intermediary bank has an account with t
21. you have the BEI identification of the beneficiary use field 59A otherwise use field 59 proposed by default gt Account You must give the beneficiary s account number here give preference to IBAN format for more information refer to the formats table in Appendix 2 Exceptions the beneficiary s account does not have to be given when the payment is to be kept at the disposal of the beneficiary full name the payment has to be made by bank cheque full address Identification of the ordering customer If the beneficiary customer has a BEI identification code complete heading 592 by entering the customer s BEI code exception fthe beneficiary customer does not have a BEI code usually the case complete heading 59 by giving the following information The name of the customer compulsory Anonymous payments are prohibited by the GAFI of which Belgium is a member and the Banking and Finance Commission in Belgium For more information refer to sites http Awww cbf be mov htm and http www fatf gafi org index htm on the CBF and the GAFI The address of the beneficiary This is optional when the account number of the beneficiary is given Checks Error messages Actions Check account if IBAN format The IBAN zone is incorrect Check and correct the IBAN account number entered The BEI code must contain at least 8 characters The BEI zone is incorrect Correct the BEI code en
22. 03456987456USD 57D Beneficiary s bank Banque Nationale du D veloppement Maputo 59 Beneficiary customer Mr A 78965 789 70 communication to the beneficiary Medical costs 71A Breakdown of fees BEN 71F Amount of the costs deducted from USD9 50 transfer 7 Mr C s son who is studying at a Belgian university has to pay his tuition fees at the ULB in Brussels for the year 2002 The sum represents the equivalent value of USD 145 and the costs are borne by the beneficiary The ULB Brussels has an account with FORTIS BANK No 210 0141865 41 Belgolaise Bankers User Manual 42 Date 19 08 02 Details of message to be produced Heading __ Field name Values to be entered 20 Issuer reference SILK896547 23B Type of transaction CRED 32A date currency amount 020425EUR157 10 33B currency original amount USD150 00 36 Exchange rate 0 895 50K Ordering customer Mr C 53B account to be debited 1603569874562EUR 57A Beneficiary s bank GEBABEBB 1210 0252965 41 59 Beneficiary customer ULB BXL 70 communication to the beneficiary Tuition fees 2002 71A Breakdown of fees BEN 71F Amount of costs deducted from EUR 10 50 transfer Mr D s fire insurance is due to expire The sum of GBP 145 50 must be paid to Assurances Lloyd IBAN account No FR94 13638 00001 0003003001M 30 at Belgolaise Paris for the attention of Mr Boulot Mr D would like the beneficiary to be
23. 1041064 07 USD 4 946 869 00 USD USD BLGOFRP USD BANQUE EUR BLGOBE EUR Y USD SDFVRT USD BLGOFRB USD BANQUE USD BLGOBE USD BANQUE USD BLGOBEB USD BLG FRB USD BLGOGBZ USD BANQUE USD BLGOFRP To encode a new payment message click the New button in the task bar screen in the lower part of the BELGOLAISE EL Accounts Hea Name 603 1041064 07 EUR TT TEE 20 Issuer reference 603 1041064 07 USD E Database 23B Type of transaction CRED E Banks 32 Date Currency Amount 020613USD0 BLGO BXL 50K Ordering customer CITI NY ender s correspondant 603104106407 In 57 Beneficiary s bank Out 5 D Beneficiary s bank E Filters 001 53B Sender s correspondant H Bangue Create message Commercial transfer Value 002 50310410540703D Unsaved version Select the type of message required and click the OK button To enable you to encode your payment B Web offers to you a screen in which the central part called workspace is subdivided into two parts Belgolaise Bankers User Manual Date 19 08 02 Bangue Create message Commercial transfer BELGOLAISE E Accounts Hea Name Value 603 1041064 07 EUR 20 Issuer reference 603 1041064 07 USD E Database 23B Type of transaction CRED E Banks 32 Date Currency Amount 020613USD0 BLGO BXL 50K Ordering customer S CITI NY nder s correspondant
24. 52D Ordering customer s bank F 53B Account to be debited O 56A 56D Intermediary bank F 57A 57D Beneficiary s bank O 59 59A Beneficiary customer O 70 Communication to beneficiary F 71A Breakdown of fees O 71F Amount of costs deducted from transfer F 72 Interbank communication F The last column indicates whether the heading is compulsory O or optional F In order to facilitate the encoding of your commercial transfers when creating this type of payment in B Web a model will be proposed automatically listing the compulsory headings black lines which must be completed and the optional headings blue lines which you are strongly advised to use Model 20 Issuer reference 23B Type of transaction production or test 32A Date Currency Amount 50K Ordering customer name and address 53B Account to be debited 57A 57D Beneficiary s bank BIC code 59 Beneficiary customer 70 Communication to beneficiary 71A Breakdown of fees Amount of costs deducted from transfer momooooooQo Belgolaise Bankers User Manual 19 Date 19 08 02 Description of the headings Heading 20 Issuer reference compulsory Format Minimum 8 maximum 16 alphanumeric characters Contents Indicate your payment reference here This information will only be given on your statement of account enabling optimal management of your accounts Checks Error messages Actions Structure Th
25. 7A 550427123 SOGEFRPP 57A SOGEFRPP 57D 12345 NBM bank ltd LAGOS Heading 72 Interbank communication optional Format 6 lines of 35 alphanumerical characters Contents This field is used to communicate additional information which cannot be codified and which relates to the payment between banks It is essential to begin the first line with the character followed by a code word There may only be one code word per line If the text following a code word does not fit on one line the following lines will begin with the double character Do not use in the body of the text Only use this field if absolutely necessary as its use automatically implies manual processing of the transaction Code word Meaning REC Message for the branch of Belgolaise to which your order is sent BNF Message for beneficiary s bank indicated in field 57 Checks Error messages Actions Validity of the code Incorrect code word Check that the code is correct and there that is only a code word per line Presence of the code word The first line of the Communi zone must begin with character UE Check the presence of a code word in the first line Continuation of first line of communication The following lines of the Communi Zone have to start with the character followed by a code word or two consecutive characters This is incorrect for line 2
26. AN The IBAN zone is incorrect Check and correct the IBAN format account number entered The first 4 characters The BIC zone is incorrect Correct the BIC code entered must exist in the BIC Directory Characters 5 to 8 of the The BIC zone is incorrect Correct the BIC code entered BIC code must exist in the BIC Directory Heading 57D First line compulsory the others Complete the first line of the optional for the address zone identification field of heading 57D Belgolaise Bankers User Manual 59 Date 19 08 02 Important If the beneficiary s bank is codified in the BIC Directory we advise you to complete heading 57A rather than heading 57D otherwise you will be charged for manual processing costs repair costs unless the beneficiary has an account with our bank and the account number to be credited is correctly indicated Examples 57A 550427123 SOGEFRPP 57A SOGEFRPP 57D 12345 NBM bank ltd LAGOS Heading 58 Beneficiary bank compulsory Format of 58A Two fields accessible for this heading Account alphanumerical zone of 34 characters BIC code Bank Identifier Code alphanumerical zone of 11 characters Format of 58D Three fields accessible for this heading Account alphanumerical zone of 34 characters Identification and addresses 4 lines each of 35 characters Clearing code type of clearing code and the code Contents gt Account This field is opt
27. ATEL S A in France on 28 February 2002 on the instructions of Mr Ahmad into account No 30004 69006 12541458977 12 at BNP Paribas PARIS in Lyon Reference payment of invoice 154 dated 1512 01 The costs will be borne by the beneficiary The Caisse d Epargne et de Cr dit has not deducted any costs In this example to simplify matters you do not levy any costs either You do not know the BIC code of BNP Paribas Lyon but you do know that of Paris Details of message to produced Heading Name of heading Values to be entered 20 Issuer reference 280202TR5054 23B Type of transaction CRED 32A Date currency amount 020229EUR500 50K Ordering customer MR AHMAD 52D Ordering institution CAISSE NATIONALE D EPARGNE ET DE CREDIT DAKAR 53B Account to be debited 603788000578 EUR 57A Beneficiary s bank BNPAFRPP 59 Beneficiary customer 130004690061254145897712 SACATEL S A 70 Communication INV 154 of 15 12 2001 71A Breakdown of fees BEN 72 Interbank communication ACC LYON Same example but this time you know the BIC code of the branch at which the beneficiary has an account itis BNPAFRPPTAS Lyons Ouest Details of message to be produced Heading Name of heading Values to be entered 20 Issuer reference 280202TR5054 23B Type of transaction CRED 32A Date currency amount 020229EUR500 50K Ordering customer MR AHMAD 52D Ordering institut
28. BABEBB 57D Beneficiary s bank Banque du Commerce Dakar 59 Beneficiary customer MrD 19687456321 70 communication to the beneficiary Debt repayment 71A Breakdown of fees OUR 72 interbank communication ACC Louga branch Belgolaise Bankers User Manual Date 19 08 02 44 Formatting a cash flow transfer Structure The information to be provided for Belgolaise and required to carry out your cash flow transfer is listed as follows Issuer reference A Date Currency Amount 53B Account to be debited 56A 56D Intermediary bank 57A 57D Beneficiary s bank 72 Interbank communication The last column tells you whether the heading is compulsory O or optional F To make it easier to encode your cash flow transfers when creating this type of payment in B Web a model will be proposed automatically that lists the compulsory headings which must be completed and the optional headings which you are strongly advised to use Model Issuer reference Date Currency Amount Account to be debited BIC code of beneficiary s bank The headings not included in the model will be inserted as required Description of the headings Heading 20 Issuer reference compulsory Format Minimum 8 maximum 16 alphanumerical characters Contents Give your payment reference here This information will be repeated only on your statement of account and will therefore enable
29. GBP 1018 to her daugther Miss Emilie Tshimanga by cheque at the following address 14 High Street Warwick PL27 7DE England Reason for payment study costs 1st quarter She agrees to pay your costs but all the other costs must be deducted Details of message to be produced Heading Field name Values to be entered 20 Issuer reference 020131REF5469 23B Type of transaction CRED 23E Codified instruction CHQB 32A Date amount currency 020215GBP1018 50K Ordering customer Madam TSHIMANGA LIDIA 53B Account to be debited 603788000578 EUR 59 Beneficiary customer MLLE TSHIMANGA EMILIE 14 Baker Street PL27 7DE WARWICK United Kingdom 70 Communication STUDIES FEES 1ST QUARTER 71A Breakdown of fees SHA 4 MrX has to transfer the sum of USD 1552 50 to Mr Y into account No 603589654789 USD at the Caisse de Cr dit et de D veloppement Luanda The transfer relates to the purchase of a car and the costs are shared Details of message to be produced Heading __ Field name Values to be entered 20 Issuer reference CHT789654 23B Type of transaction CRED 32A Date currency amount 020422USD1552 50 50K Ordering customer Mr X 53B account to be debited 1603145235687USD 57 D Beneficiary s bank Caisse de Cr dit et de D veloppement Luanda 59 Beneficiary customer Mr Y 1603589654789USD 70 communication to the beneficiary car purchase 71A Breakdown of fees SHA Belgolais
30. Name Issuer reference Type of transaction Date Currency Amount Ordering customer Sender s correspondant Beneficiary s bank urrency Original amount USD12500 Original amount 12334444 CRED 020613USD12333 32 BEATRICE ANSAY 603104106407USD BLGOFRPP Amount usp 12 500 00 Unsaved version Click the Up or Down button as many times as necessary to move the line to the required position Recording a payment message When the message encoded has to be saved you have two possibilities Save button The message is saved once it has been checked for consistency to ensure the integrity of the encoded message inter heading checks The message cannot be saved if any anomalies still exist If optional headings still exist but have not been completed when the message is recorded they will automatically be deleted by the application Nocontrol button The message is saved with incomplete status without being checked for inter heading consistency Using this option you can save a provisional message pending subsequent completion If optional headings still exist but have not been completed when the the message is saved without being checked they will not be automatically deleted Leaving a payment message You will notice that the words unsaved version appear right at the bottom of the workspace on the right when a message is being created or mo
31. TRANSFER 4 unius hnc duni usta dre aedi n mr etes teen en ann ts 1 Cn civi indviirE D R M 1 TYPES of messages ie edite erae E E YE n E eg Yee N e le ressens een en N a ie re ne puse erga tete 1 Standardisation of messages nr na nata aane nana aa aa aaa nasa aa anas sas a nasa aaa n anas 1 Summary of headings per type of message seii e nennen nnn tn tn nan nn tana nana ta na anna nana 2 ENGOQING PAY MOINES DRE 3 Encoding a payrmient iriessage erret eene tee Sesacesuebencadeeccacneneesased ete bagnssetesteniee AAAS 3 Encoding modifying a heading sise 6 Deletng a headingse c ned te ex ert ene e Eu nette eh EE Re Eu e 11 CGancelling a hieadirig ctr tt tete te e pneter ie rente 12 Inserting a heading 5a ede n it de en Exe ne Aine Aut Amanenain nite 12 Moving a hieadirig 5 iren ote Deme ter es rd LR ee at nt Made vine etu ER 16 Recording a payment message sisri irarri inii n tdeo oe ea nde A a Ea ne a E ERR earned an 17 Leaving a payment Message sued pe eerte ee eer re er e er ta e eg enu 17 Formatting a commercial transfer esie esses esee tn nnn nna tn nna ananas aaa anna asas aa assa a ananas aan n4 19 Nlcicce nn ae A E nr ele 19 Model duh EE ee e he onte co rode ede Ta Rue ost eb OL cuu Ae e 19 Description of the headings o etre ei dece osuere tbe dier edocet ie eas 20 Examples of commercial transfer orders sssssssssssssssss
32. al Date 19 08 02 71 BELGOLAISE Bank 603 1041064 07 EUR 603 1041064 07 FRF 603 1041064 07 USD E Database E Banks BELGOLAISE PARISILL BIAO AE 203 058 01 EUR BLGO B CITI NY Lo FORTIS EF Filters 5000 1 5 000 2 000 701 09 2001 20 11 20 Key in the number on the back of your Digipass 8 figures Then press OK Follow the instructions on the screen step by step leere BELGOLAISE Bank 603 1041064 07 EUR 603 1041 08 603 104104 Ej Database Press S on Digipass Ej Banks Enter your PIN on Digipass BELGOL ERRARE BIAO AE Press lt gt on Digipass BLGO BY Enter ins CITI NY Press lt gt on Digipass FORTIS Enter 138130 EF Filters Press lt gt on Digipass 7770 gt 1 Wait for on Digipass lt 5 000 gt 2 Press lt gt on Digipass 01 09 200 Enter the result on PC Once the result has been entered press OK Belgolaise Bankers User Manual 72 Date 19 08 02 B Web informs you immediately whether the signature has been accepted or rejected Banque BELGOLAISE Bank 603 1041064 07 EUR 603 1041064 07 FRF 603 1041064 07 USD E Database E Banks BELGOLAISE PARIS BIAO ABIDJAN BLGO BXL CITI NY FORTIS BXL E Filters 5 000 1 JO gt 2 000 701 09 2001 20 11 20 203 058 01 EUR Informati Signing accepted Once the signature of your message s has been accepted the status c
33. ansfer x BELGOLAISE D Mow EB Accounts Hoa Name Value 603 1041064 07 EUR 20 Issuer reference 12334444 amp Database 23B Type of transaction CRED E Banks 32 Date Currency Anount 020613U3D12333 32 BLGO BXL cm NY 53B Sender s correspondant 603104106407USD In 57 Beneficiary s bank BLGOFRPP E out B Filters 001 002 Beneficiary custoner 13638000010003003001M30 MR DUPONT Currency Original anount Issuer reference Type of transaction Codified instruction Date Currency Amount Currency Original amount 36 Exchange rate 50A Ordering customer SOK Ordering customer Ne corto ser et Unsaved version From among the list of the various headings available for the message concerned select heading 33B angue Create message Commercial transfer BELGOLAISE ew Meses mn EL Accounts 2 Name Value 603 1041064 07 EUR 603 1041064 07 USD Bl Database Type of transaction CRED E Banks Date Currency Amount 020613U5D12333 32 CORRE dering c BEATRICE ANSAY CITI NY Issuer reference 12334444 Sender s correspondant 603104106407USD In Beneficiary s bank BLGOFRPP 13638000010003003001M30 MR DUPONT Out Beneficiary customer E Filters 001 002 Unsaved version Validate your choice by clicking the green button to the right which displays a V Belgolaise Bankers User Manual 13 Date 19 08 02 angue Create message Com
34. ast the town or city In countries where there is no branch code it is best to give the full address of the beneficiary s bank If heading 57 has to be codified enter either 57A or 57D but not both gt Clearing code The clearing code only has to be given if you know the clearing code of the beneficiary s bank First select the type of clearing code and then enter the code itself The clearing codes most frequently used are FW and CH for payments in USD and SC for payments in GBP For details of the clearing codes available please refer to the list in heading 56 Checks Error messages Actions Check account if IBAN format The IBAN zone is incorrect Check and correct the IBAN account number entered The first 4 characters must exist in the BIC Directory The BIC zone is incorrect Correct the BIC code entered Characters 5 to 8 of the BIC code must exist in the BIC Directory The BIC zone is incorrect Correct the BIC code entered Heading 57D First line compulsory the others Complete the first line of the optional for the address zone identification field of heading 57D Important If the beneficiary s bank is codified in the BIC Directory we advise you to complete heading 57A rather than heading 57D otherwise you will be charged for the manual processing costs repair costs Belgolaise Bankers User Manual Date 19 08 02 50 Examples 5
35. begin with the character Check that there is a code word in the first line Continuation of the first line of communication The following lines of the Communi zone must begin with the character followed by a code word or two consecutive characters This is incorrect for line 2 If the line begins with a code word check that this is followed by the character If there is no code word the line must begin with Examples ACC Place des Martyrs branch Brussels REC For the attention of Mr X please let us know the exchange rate applied to this transaction Iby telex BNF your reference ABC of 05012002 Belgolaise Bankers User Manual Date 19 08 02 62 Examples of financial institution transfer orders 1 You wish to transfer EUR 10000 to account No 30003 00001 12541489125 13 of the Soci t G n rale in Paris at the Cr dit Industriel in Nairobi reference AKD 118 Details of message to be produced Heading _ Name of heading Values to be entered 20 Issuer reference 240102TRE50003 21 Beneficiary s reference AKD118 32A Date Amount Currency 020125EUR10000 53B Account to be debited 603788000578 EUR 57A Beneficiary s bank SOGEFRPP 58D Beneficiary bank 130003000011254148912513 CREDIT INDUSTRIEL NAIROBI 2 On 24 February 2002 you receive a message from the Banque Industrielle amp Commerciale Dakar which has paid you the s
36. de itself Belgolaise Bankers User Manual 48 Date 19 08 02 gt Types of clearing code Payment currency Type Structure Code holder AUD AU 6 figures Australian bank state branch CAD CC 9 figures Canadian payment routing number CHF SW 3 to 6 figures Swiss clearing code EUR AT 5 figures Austrian bankleitzahl EUR BL 8 figures German bankleitzahl EUR ES 8 or 9 figures Spanish domestic interbanking code EUR IE 6 figures National Irish clearing code EUR IT 11 to 23 Italian domestic identification code alphan EUR PT 8 figures Portuguese national clearing code GBP SC 6 figures Sorting code or CHAPS branch sort code United Kingdom HKD HK 3 figures Bank code of Hong Kong NZD NZ 6 figures New Zealand national clearing code USD CH 6 figures Chips universal to identify USD FW 9 figures Fedwire routing number The codes traditionally most frequently used are FW and SC Checks Error messages Actions Check account if IBAN format The IBAN zone is incorrect Check and correct the IBAN account number entered The first 4 characters must exist in the BIC Directory The BIC zone is incorrect Correct the BIC code entered Characters 5 to 8 of the BIC code must exist in the BIC The BIC zone is incorrect Correct the BIC code entered Directory Heading 56D First line compulsory the others Complet
37. ders you will encode in B Web will be sent to Belgolaise via the Internet Belgolaise will make the payments using the Swift network There are four different types of messages at your disposal Simply complete them according to your needs Types of messages The choice of the type of message is important and depends on the type of payment that you wish to make Commercial transfer Payment in which at least one of the counterparts is not a bank or a financial institution Cash flow transfer Payment in which the bank acting as ordering customer and the beneficiary bank are the same Using Bankers B Web you can carry out transfers from one of your accounts kept at the Belgolaise to an account kept at another bank Financial institution transfer Payment in which the ordering customer and the beneficiary are a bank or a financial institution This type of message is also used in order to carry out your netting between accounts listed in your B Web contract Other examples of use include cover for remittances payment of costs claimed by your correspondent return of funds etc Advice of cheque Messages used to inform Belgolaise that you have issued cheques drawn on its funds They can be used to secure the issue of your bank cheques on condition that they reach Belgolaise before the cheques are actually presented at the bank Standardisation of messages Payment messages keyed into B Web must meet very specific standards from which it i
38. dified and has not yet been saved If you click the Exit button while these words are still at the bottom of the screen B Web will ask you Do you want to save your modifications before exiting offering you the choice between clicking the Yes button or the No button Belgolaise Bankers User Manual Date 19 08 02 17 f you click Yes and the message is being created gt the message will be saved with incomplete status the message is being modified gt the message will be saved with incomplete status if this was its status before the modification complete status if this was its status before the modification and the validation tests carried out by B Web confirm that the message is still correctly formatted and complete f you click No gt the most recent modifications made since the last save will not be recorded If you were creating a message the effect of this action will be to abort the message without a trace Belgolaise Bankers User Manual 18 Date 19 08 02 Formatting a commercial transfer Structure The information to be provided to Belgolaise and required to make your payment are listed as follows 20 Issuer reference O 23B Type of transaction O 23E Codified instructions F 32A Date Currency Amount O 33B Currency Original amount F 36 Exchange rate F 50A 50K Ordering customer O 52A
39. e Bankers User Manual 41 Date 19 08 02 5 The Sikasso branch of the Caisse de D veloppement sends a payment order to its parent company Bamako from its customer Mr A has to pay the company B the sum of EUR 155 into account No 1457896541 at the Coop rative Tanzanienne in Dar Es Salaam The costs are to be borne by the ordering customer This transaction concerns an invoice No 1452 Details of message to be produced Heading __ Field name Values to be entered 20 Issuer reference VENTE1456 23B Type of transaction CRED 32A Date currency amount 020422EUR155 50K Ordering customer Mr A 52D Ordering customer s bank Caisse de D veloppement Sikasso Mali 53B account to be debited 603569874587 EUR 57 D Beneficiary s bank Coop rative Tanzanienne Dar Es Salaam 59 Beneficiary customer Company B 1457896541 70 communication to the beneficiary Invoice No 1452 71A Breakdown of fees OUR 6 MrZhas to pay Mr A the sum of USD 160 into account No 78965 789 at the Banque Nationale Du D veloppement Maputo This sum represents medical costs and Mr Z does not want to pay the costs Details of message to be produced Heading __ Field name Values to be entered 20 Issuer reference DEFL7485 23B Type of transaction CRED 32A Date currency amount 020422USD150 50 33B currency original amount USD160 50K Ordering customer MrZ 53B account to be debited 6
40. e Reference zone must have at least 8 characters Fill in the reference The Reference zone cannot begin with Replace with another character or delete it The Reference zone cannot end with Replace with another character or delete it The Reference zone cannot contain the characters Delete one or both Uniqueness of reference The contents of the reference zone already exist in another message Enter a new reference not yet mentioned in other messages Example 20 CHRE5478Y Heading 23B Type of transaction compulsory Format 4 alphabetical characters Contents Must be CRED This value is automatically proposed by default Example 23B CRED Belgolaise Bankers User Manual Date 19 08 02 20 Heading 23E Codified instructions optional Format Code word comprising 4 alphanumerical positions 29 alphanumerical characters XXXX AAAAAAAAAAAAAAAAAAAAAAAAAAAAAA XXXX 4 alphabetical positions code word A A 29 alphanumerical characters additional information Contents This field gives the codified instructions intended either for Belgolaise or for the beneficiary s bank You can enter several 23E fields in a payment order Authorised code words Codes Meaning Additional information BONL The amount can only be paid to the beneficiary None CHQB Payment must be made by cheque
41. e day check that your message includes a 23E SDVA field Date later than D 3 working days No error message in B Web but the bank reserves the right to correct the value date Inconsistent date The date is invalid Enter the date using the format day month year DDMMYY Belgolaise will comply with the debit value date indicated which will facilitate the reconciliation of your transactions Transfers will be carried out under the indicated value date if the order is received before our CUT OFF TIME for the currency Please refer to Appendix 1 for more information concerning the CUT OFF TIME Amount Error messages Actions If value is non numerical The amount must be numerical Check encoding you have entered a letter instead of a figure If value 0 The amount zone must be Enter the amount of the higher than zero payment Number of decimals Incorrect number of decimals for the currency Check and correct the amount entered Example 32A 020217USD1245 18 Belgolaise Bankers User Manual Date 19 08 02 47 Field 53B Account to be debited compulsory Format Maximum 34 alphanumerical characters Contents The account to be debited selected from the left hand side of the screen will be automatically entered in this field This account will be debited by our services when the transaction is effected Example 53B
42. e the first line of the optional for the address zone identification field of heading 56D Important f heading 56 is used heading 57 becomes compulsory Ifthe intermediary bank is codified in the BIC Directory we advise you to complete heading 56A rather than heading 56D otherwise you will be charged manual processing costs repair costs Examples 56A BLGOBEBB 56D 603000000099 BIAO Abidjan 56D FW123456789 US Bank New York Belgolaise Bankers User Manual Date 19 08 02 49 Heading 57 Beneficiary s bank compulsory Format of 57A Two fields accessible for this heading Account alphanumerical zone of 34 characters BIC code Bank Identifier Code alphanumerical zone of 11 characters Format of 57D Three fields accessible for this heading Account alphanumerical zone of 34 characters Identification and address 4 lines each of 35 characters Clearing code type of clearing code and code Contents Account This field is optional You can give the account number of the beneficiary s bank with the intermediary bank if heading 56 has been completed or of Belgolaise gt Identification of bank f you have the BIC identification of the beneficiary s bank complete heading 57A by entering the BIC code of the bank Ifthe beneficiary s bank does not have a BIC code complete heading 57D by giving the name of the bank and at le
43. eee ener enn nnns 37 Formatting a cash flow transfer essei eene innen nana nnn h nhan anna haha anna sa aa aa assa sana rasa anna 45 SITU c ES 45 Model tn UD nien oie teste had onc 45 Description of thie headings cane dette do Et m to eb eate tito n ot rte 45 Example of cash flow transfer order 52 Formatting a financial institution transfer seii essei eene nennen ninh nnn nan nn nna anna nana ann nn 53 Slr cture hp atencion lene iu tiet fete o fete ud eet ies 53 Model 359a iiber Heber eani beetle nu uates teintes 53 Description of headings ede deben po entemeroieno ier itenten menie 53 Examples of financial institution transfer orders 63 Formatting of advice of cheque eese siiis eiie eene einn nena nn nnn an nasa aa ananas aaa aa nasa aa annus aan n4 64 E eE n ne ni ten n eee tte este den at et ener dee eed eed ae tete qe ee ete e eed ee eed 64 aurez EIE 64 Description of the headings aiite ane Ht antenne ra te itd de gd rude anes 64 Example of advice of cheque siennes 69 Signing EEN IUHIS UL LL Im M 70 Message StatUSeS ain ass 70 Procedure for signing a payrmelit 2 eere e tee ee petra p rtp ARTE AAA TETROR at 70 Belgolaise Bankers User Manual 0 Date 19 08 02 TRANSFER General description Using this transfer module you can make payments quickly in total security and at a lower cost The payment or
44. en with heading 56 Checks Error messages Actions Check account if IBAN The IBAN zone is incorrect Check and correct the IBAN format account number entered The first 4 characters must The BIC zone is incorrect Correct the BIC code entered exist in the BIC Directory Characters 5 to 8 of the BIC The BIC zone is incorrect Correct the BIC code entered code must exist in the BIC Directory Heading 57D First line compulsory the Complete the first line of the others optional the address identification field of heading zone 57D Important If the beneficiary s bank is codified in the BIC Directory we advise you to complete heading 57A rather than heading 57D otherwise you will be charged manual processing costs repair costs Belgolaise Bankers User Manual 30 Date 19 08 02 Examples 57A BLGOBEBB 57D 603000000099 NBM bank Itd LAGOS 57D Bank P Karachi Pakistan Belgolaise Bankers User Manual Date 19 08 02 31 Heading 59 Beneficiary customer compulsory Format of 59A Two fields accessible for this heading Account alphanumerical zone of 34 characters BEI code Business Entity Identifier alphanumerical zone of 11 characters Format of 59K Two fields accessible for this heading C Account alphanumerical zone of 34 characters dentification and addresses 4 lines each of 35 characters ontents If
45. eque number 549847 30 Date of issue 020115 32B Amount Currency 020116USD50 59 Beneficiary MR KANANDA THIMORE Belgolaise Bankers User Manual Date 19 08 02 69 Signing a payment message One or more payments must always be signed in on line mode Message statuses What are the various statuses Important Incomplete One or more compulsory items of information are missing The message will have to be completed before it is signed Ready All the compulsory data have been keyed in The message can be signed To be signed The message has been correctly signed once A second signature still has to be recorded This status will only appear if the instructions left with the bank stipulate that all messages must be signed jointly Signed The message has been signed Memorised The message has been passed on to the executing service Executed The message has been processed by the services of Belgolaise The amount of the transaction has been debited from the account in question You can consult the details on the statements of account Rejected The message has been cancelled by the Bank Please contact the Help Desk before taking any action The message must have ready status so that you can sign it A message with signed status can no longer be modified or deleted Procedure for signing a payment The status of the messages before signature must be ready or to be signed
46. ercial transfer BELGOLAISE Bank E Accounts 603 1041064 07 EUR Issuer reference Type of transaction Currency Amount 020613USD0 BLGOBXL Ordering customer CITI NY Sender s correspondant 603104106407USD In Beneficiary s bank Out Beneficiary s bank HELP DESK N L ACC MANAGER eannan e 11 V 8 The lower part of the screen automatically displays the details of the fields making up the heading You can then encode or modify them Once the information has been encoded validate the modification by clicking the next heading to be completed in the upper part of the workspace Once this manipulation has been carried out the heading containing the information you have just encoded will appear in the upper part of the workspace Belgolaise Bankers User Manual 6 Date 19 08 02 Baague Create message Commercial transfer BELGOLAISE Bank Transfer JB Accounts 603 1041064 07 EUR I 503 1041 064 07 USD pog E Database SB fo benon El Banks Date Currency Amount 020613USD4558 BLGO BXL Ordering customer em NY Sender s correspondant 603104106407USD n 5 Beneficiary s bank Out Beneficiary s bank HELP DESK ACC MANAGER TEST E Filters 001 002 a Belgolaise Bankers User Manual Date 19 08 02 Each time a heading is validated B Web checks this Should a problem occur an explici
47. hanges from Ready to Signed The messages concerned will be transferred to the Payments chain for execution once the customary checks have been carried out angue List of transfer messages BELGOLAISE Bank Statements Intraday Transfer Accounts Account DUPOND Account number 603 1041064 07 USD 603 1041064 07 EUR 603 1041064 07 FRE Current account Balance 09 06 2000 4 946 869 00 USD 603 1041064 07 USD E Database pO B Banks Incom Commercial 06 08 2002 00 USD BELGOLAISE PARIS FDGFGBGFH Commercial 20 06 2002 EUR GEBABEB BIAO ABIDJAN j STRESSSSSSSSSS Commercial 20 08 2002 00 USD BLGOBEB BLGO BXL i CH58965214 Cash flow 14 08 2002 00 USD BIAOCIA CITI NY j CH00000125 Commercial 10 08 2002 00 USD GEBABEB RoR Sent JIIIIIIIII Commercial 09 08 2002 00 USD BLGOBEB Amount Beneficiar E Filters lt 5 000 1 lt 5 000 gt 2 000 NEUHFRDK Commercial 18 05 2002 USD BLGOFRP GTRYHNHG Cash flow 18 05 2002 USD BANQUE 01 08 2001 20 11 20 DFTHYTGFG Bank 17 05 2002 EUR BLGOBEB DFTHYTGFG Bank 17 05 2002 EUR BLGOBEB JHYYJHNJH Cheque a 17 05 2002 USD SDFVRT NEUHFRDK Commercial 18 05 2002 USD BLGOFRBE TEST BAN 103 006 Commercial 17 05 2002 USD BANQUE TEST BAN 103 005 Commercial 17 05 2002 USD BLGOBEB 4 b Belgolaise Bankers User Manual T3 Date 19 08 02 If the signature is incorrect B Web informs you of this immediately by displaying t
48. he branch of Belgolaise which is to make the payment gt Identification of the bank f you have the BIC identification of the intermediary bank complete heading 56A by entering the BIC code of the bank Ifthe intermediary bank does not have a BIC code complete heading 56D giving the name of the bank and at least the town or city If heading 56 has to be completed enter either 56A or 56D but not both gt Clearing code The clearing code only has to be entered if you know the clearing code of the intermediary bank First select the the type of clearing code and then enter the code itself Belgolaise Bankers User Manual 57 Date 19 08 02 gt Types of clearing codes Payment Type Structure Code holder currency AUD AU 6 figures Australian bank state branch CAD CC 9 figures Canadian payment routing number CHF SW 3 to 6 figures Swiss clearing code EUR AT 5 figures Austrian bankleitzahl EUR BL 8 figures German bankleitzahl EUR ES 8 or 9 figures Spanish domestic interbanking code EUR IE 6 figures Irish national clearing code EUR IT 11 to 23 alphan Italian domestic identification code EUR PT 8 figures Portuguese national clearing code GBP SC 6 figures Sorting codes or CHAPS branch sort code United Kingdom HKD HK 3 figures Bank code of Hong Kong NZD NZ 6 figures New Zealand national clearing code USD CH 6 figures Chips universal to identify
49. he following message Banque BELGOLAISE Bank E Comptes 603 1041064 07 BEF 603 1041064 07 FRF T 7 007 BEF 0104106407 USD 2M mem nl 173 71 EUR Ej Base de donn es Banquiers BBL BKTRUS33 LONDRES PARIS SOGEFRPP Filtres ASA BANO1 BENEF 240 0255251 4 RPE TBO The message in question therefore retains its Ready status The signature procedure has to be repeated Belgolaise Bankers User Manual 74 Date 19 08 02
50. he full address of the ordering customer Important you must complete either heading 50A or heading 50K but not both As heading 50K is used most frequently this is the one proposed in the model Checks Error messages Actions Check account if IBAN format The IBAN zone is incorrect Check and correct the IBAN account number entered The BEI code must contain at least 8 characters The BEI zone is incorrect Correct the BEI code entered The first 4 characters must exist in the BIC Directory The BEI zone is incorrect Characters 5 to 8 of the BEI code must exist in the BIC Directory The BEI zone is incorrect Positions 5 and 6 of the BEI code are incorrect Correct the BEI entered Heading 50K First line compulsory the others Complete the first line of field 50 optional for the address zone K with the name of the ordering customer Examples 50A VWVOBEB1 50A 012123456712 VWVOBEB1 50K 603123456712 Mr Dupont Rue de la Fabrique N 18 B 1000 Brussels Belgium Belgolaise Bankers User Manual Date 19 08 02 25 Heading 52A or 52D Ordering customer s bank optional Format of 52A Two fields accessible for this heading Account alphanumerical zone of 34 characters BIC code Bank Identifier code alphanumerical zone of 11 characters For your information The BIC codes are intended for financial institutions They
51. informed by telex as soon as this sum has been paid The transfer must be carried out under reference policy No 456 963 He will bear the costs Details of message to be produced Heading Field name Values to be entered 20 Issuer reference DANO0185269 23B Type of transaction CRED s codified instructions TELE 32A date currency amount 020425GBP 145 50 50K Ordering customer Mr D 53B account to be debited 1603569874558GBP 57A Beneficiary s bank BLGOFRPP FR94 13638 00001 0003003001M 30 59 Beneficiary customer Lloyds Insurance 70 communication to the beneficiary Policy No 456 963 71A Breakdown of fees OUR 72 interbank communication REC attn Mr Boulot Belgolaise Bankers User Manual Date 19 08 02 43 9 MrE has to repay a debt to Mr D involving the sum of EUR 456 52 Mr D asks Mr E to credit his account No 9687456321 at the Banque du Commerce in Louga Senegal Mr D wants to be informed by telephone No 32 2 357 18 25 as soon as the amount is credited to his account The beneficiary wants the full amount Details of message to be produced Heading Field name Values to be entered 20 Issuer reference 789654ORT 23B Type of transaction CRED 23E codified instructions IPHON 3223571825 32A date currency amount 020425EUR456 52 50K Ordering customer MrE 53B account to be debited 60389654789654EUR 56A intermediary bank GE
52. ion CAISSE NATIONALE D EPARGNE ET DE CREDIT DAKAR 53B Account to be debited 603788000578 EUR 56A Intermediary bank BNPAFRPP 57A Beneficiary s bank BNPAFRPPTAS 59 Beneficiary customer 30004690061254145897712 SACATEL S A 70 Communication INV 154 of 15 12 2001 T1A Breakdown of fees BEN field 56A is optional Belgolaise Bankers User Manual Date 19 08 02 37 Same example but this time you deduct your transfer costs EUR 10 Details of message to be produced Heading Name of heading Values to be entered 20 Issuer reference 280202TR5054 23B Type of transaction CRED 32A Date currency amount 020229EUR490 33B Amount currency of origin EUR500 50K Ordering customer MR AHMAD 52D Ordering institution CAISSE NATIONALE D EPARGNE ET DE CREDIT DAKAR 53B Account to be debited 603788000578 EUR 57A Beneficiary s bank BNPAFRPPTAS 59 Beneficiary customer 30004690061254145897712 SACATEL S A 70 Communication INV 154 of 15 12 2001 71A Breakdown of fees BEN 71F Costs deducted EUR10 Same example but in this case in its order the Caisse Nationale d Epargne et de Cr dit in DAKAR transfers the sum of EUR 495 50 to you informing you that they have deducted EUR 4 50 in costs Details of message to be produced Heading Name of heading Values to be entered 20 Issuer reference 280202TR5054 23B Ty
53. ional You can use it to give the account number of the beneficiary bank gt Identification of the bank f you have the BIC identification of the beneficiary bank complete heading 58A entering the BIC code of the bank Ifthe beneficiary bank does not have a BIC code complete heading 58D giving the name of the bank and at least the town or city n countries which do not have branch codes it is best to give the full address Clearing code The clearing code only has to be given if you know the clearing code of the beneficiary bank Select the type of clearing code first and then give the code itself The clearing codes most frequently used are CH and SC For details of the clearing codes available please refer to the list given with heading 56 Belgolaise Bankers User Manual 60 Date 19 08 02 Checks Error messages Actions Check account if IBAN format The IBAN zone is incorrect Check and correct the IBAN account number entered The first 4 characters must exist in the BIC Directory The BIC zone is incorrect Correct the BIC code entered Characters 5 to 8 of the BIC code must exist in the BIC Directory The BIC zone is incorrect Correct the BIC code entered Heading 58D First line compulsory the others Complete the first line of the optional for the address zone identification field of heading 58D Examples 58A BLGOBEBB 58D
54. lumn indicates whether the heading is compulsory O or optional F To make it easier to encode your financial institution transfers when this type of payment is created in B Web a mode will automatically be proposed giving all the compulsory headings that must be completed and the optional headings which you are strongly advised to use Model Issuer reference Beneficiary s reference Date Currency Amount Account to be debited Beneficiary bank The headings not included in the model will be inserted as required Description of headings Heading 20 Issuer reference compulsory Format Minimum 8 maximum 16 alphanumerical characters Contents Give your payment reference here This information will be included only on your statement of account and will allow enable you to ensure optimal management of your accounts Belgolaise Bankers User Manual 53 Date 19 08 02 Checks Error messages Actions Structure The Reference zone must have at least 8 characters Fill in the reference The Reference zone cannot begin with Replace by another character or delete it The Reference zone cannot end with Replace with another character or delete it The Reference zone cannot the characters Delete one or both of the Reference uniqueness The contents of the reference zone already exist in another message
55. ly used when you want to specify a payment path and you have the name of the correspondent at the head office of the beneficiary s bank Otherwise our systems will automatically create the payment path that we consider best suited to the the requested payment gt Account This field is optional and only has to be completed when the intermediary bank has an account with the Belgolaise branch that is to make the payment gt Identification of the bank f you have BIC identification of the intermediate bank fill in heading 56A by entering the BIC code of the bank f the intermediate bank does not have a BIC code fill in heading 56D giving the name of the bank and at least the town or city If heading 56 has to be filled in enter either 56A or 56D but not both gt Clearing code The clearing code only has to be entered if you know the clearing code of the intermediate bank First select the type of clearing code and then enter the code gt Types of clearing codes Currency of Type Structure Code holder payment AUD AU 6 figures Australian bank state branch CAD CC 9 figures Canadian payment routing number CHF SW 3 to 6 figures Swiss clearing code EUR AT 5 figures Austrian bankleitzahl EUR BL 8 figures German bankleitzahl EUR ES 8 or 9 figures Spanish domestic interbanking code EUR IE 6 figures Irish national clearing code EUR IT 11 to 23 alphan Italian domes
56. mercial transfer BELGOLAISE E Accounts Hea Name Value 603 1041064 07 EUR TIO 20 Issuer reference 12334444 603 1041064 07 USD El Database 23B Type of transaction CRED Ej Banks 324 Date Currency Amount 020613U D12333 32 BLGO BXL CITINY Ordering customer BEATRICE ANSAY Sender s correspondant 603104106407USD BLGOFRPP In Out E Filters 001 002 Beneficiary s bank L_Nocontrol Save f Exit Unsaved version The fields of the heading in question can then be completed To validate your insertion click any heading in the upper part of the workspace If you have requested that a line be inserted you have selected a heading number and you do not want to continue the insertion process click the red X button Banque Create message Commercial transfer BELGOLAISE blank Statements Movements Intraday E Accounts Hea Name Value 603 1041064 07 EUR 603 1041064 07 USD E Database 23B Type of transaction CRED E Banks 32 Date Currency Amount 020613U D12333 32 BLGO BXL CITINY 20 Issuer reference 12334444 Ordering customer BEATRICE ANSAY 53B Sender s correspondant 603104106407USD In 57 Beneficiary s bank BLGOFRPP Out Beneficiary customer l3638000010003003001M30 MR DUPONT E Filters 001 002 Unsaved version You can also insert a heading by positioning the cursor on the last line of the message white line and then selecting the ap
57. must be registered with SWIFT They are listed in the BIC directory published by the latter Swift Customer Order Services 1 avenue Ad le B 1310 The Hulpe Belgium You can also consult the directory directly on the Internet site at http www swift com biconline index cfm Format of 52D Two fields accessible for this heading Account alphanumerical zone of 34 characters Identification and addresses 4 lines each of 35 characters Contents To be completed if instructions come from a bank that has an account with you other local bank branch in your network etc gt Ordering customer s bank Account identification gt Account Give the account number of the bank debited at your bank This information will improve the traceability of the order should a problem arise gt Identification of the bank f you have the BIC identification of the ordering customer s bank fill in heading 52A by entering the bank s BIC code f the ordering customer s bank does not have a BIC code fill in heading 52D giving the name of the bank and at least the town or city If heading 52 has to be filled in enter either 52A or 52D but not both Checks Error messages Actions Check account if IBAN format The IBAN zone is incorrect Check and correct the IBAN account number entered The first 4 characters must The BIC zone is incorrect Correct the BIC code exist in the BIC Director
58. ng customer de CITI NY Sender s correspondant Issuer reference In Beneficiary 3 bank Out Beneficiary s bank EF Filters You then simply have to enter the IBAN account number in the zone provided for this purpose next to the button in question The application will automatically check the IBAN number Some headings such as 72 allow you to encode free text although the presence of code words is required please refer to the description of the headings per type of message Belgolaise Bankers User Manual 9 Date 19 08 02 Accounts 603 1041064 07 EUR 603 1041064 07 USD E Database El Banks BLGO BXL CITI NY E In Out EL Filters Create message Commercial transfer Date Currency Amount D020613USD7777 Ordering customer 7855555 BANKS Sender s correspondant 603104106407USD Beneficiary customer 458799966222 M DUPONT Breakdown of fees Interbank communication Belgolaise Bankers User Manual Date 19 08 02 10 To help you choose this code word press the F1 function key which will display a drop down list of authorised code words leeren Date Currency Amount 020613USD7777 Ordering custoner 7855555 BANKS Sender s correspondant 603104106407U D Beneficiary customer 458799966222 M DUPONT Breakdown of fees Then select the appropriate code wo
59. ount alphanumerical zone of 34 characters Identification and addresses 4 lines each of 35 characters Belgolaise Bankers User Manual Date 19 08 02 55 Contents To be completed if instructions come from a bank that has an account with your bank other local bank branch of your network etc gt Ordering bank Account identification gt Account Give the account number of the bank debited at your bank This information will enable you to improve the traceability of the order should a problem arise gt Identification of the bank f you have the BIC identification of the bank of the ordering customer complete heading 524A entering the BIC code of the bank Ifthe ordering customer s bank does not have a BIC code complete heading 52D giving the name of the bank and at least the town or city If heading 52 has to be completed enter either 52A or 52D but not both Checks Error messages Actions Check account if IBAN format The IBAN zone is incorrect Check and correct the IBAN account number entered The first 4 characters must exist in the BIC Directory The BIC zone is incorrect Correct the BIC code entered Characters 5 to 8 of the BIC code must exist in the BIC Directory The BIC zone is incorrect Correct the BIC code entered Heading 52D First line compulsory the others Complete the first line of field optional for
60. pe of transaction CRED 32A Date currency amount 020229EUR485 50 33B Amount currency of origin EUR500 50K Ordering customer MR AHMAD 52 D Ordering institution CAISSE NATIONALE D EPARGNE ET DE CREDIT DAKAR 53B Account to be debited 603788000578 EUR 57A Beneficiary s bank BNPAFRPPTAS 59 Beneficiary customer 130004690061254145897712 SACATEL S A 70 Communication INV 154 of 15 12 2001 71A Breakdown of fees BEN TIF Costs deducted EUR4 50 71F Costs deducted EUR10 Belgolaise Bankers User Manual Date 19 08 02 38 2 The company ARRAMETAL holder of account No 12345 at your bank asks you to transfer the equivalent value of EUR 655 35 in USD to UNIBAR account number 1589641258 with Deutsche Bank Frankfurt BLZ 50070019 giving as the reference advance invoice of 210102 number KK15423 They want the beneficiary s bank to inform Mr Richards by telephone 321 2154 7895 as soon as the funds arrive The costs are borne by the ordering customer Details of message to be produced Heading Name of heading Values to be entered 20 Issuer reference REF12569 23B Type of transaction CRED 23E Codified instruction PHON 32121547895MR RICHARDS 32A Date Amount Currency 020215USD590 35 33B Amount currency of origin EUR655 35 36 Exchange rate 0 8951 50K Ordering customer 12345 ARRAMETAL 53B Account to be debited 603788000578 EUR 56A Intermediary
61. propriate heading number There is no need to click the insert button here Belgolaise Bankers User Manual 14 Date 19 08 02 You will then simply need to position the heading in the right place using the Up and Down buttons halfway down the screen on the right Belgolaise Bankers User Manual 15 Date 19 08 02 Moving a heading The Transfer application is based on the principle that the headings in the message are encoded in a clearly defined order If a heading is inserted in the wrong place B Web informs you of this by displaying an error message goers BELGOLAISE P E Accounts Hea Name Value 20 Issuer reference 12334444 E Database 23B Type of transaction CRED E Banks BLGO BXL CITINY 324 50K 53E Date Currency Amount 02061305D12333 32 B The tag 33B is not in the right place In Out E Filters 001 002 E i Unsaved version Position the cursor on the line to be moved and then move the heading towards the up or the bottom using the Up and Down buttons lower part of the workspace Belgolaise Bankers User Manual 16 Date 19 08 02 Banque BELGOLAISE Bank E Accounts 603 1041064 07 EUR 603 1041064 07 USD E Database E Banks BLGO BXL CITINY In Out E Filters 001 002 Create message Commercial transfer sun Jos nns Hea 20 23B 32 50K 53B 57 33B Currency
62. ranch of this bank with which the beneficiary has an account after this code word IREC Message for the branch of Belgolaise to which your order is sent BNF Message for beneficiary s bank given in field 57 or listed behind instruction IACC Checks Error messages Actions Validity of the code Incorrect code word Check that the code is correct and that there is only one code word per line Presence of the code word Check whether it is compulsory for the first line of the Communi zone to start with the character V Check the presence of a code word in the first line Continuation of a first line of communication The following lines of the Communi zone have to start with the character followed by a code word or two consecutive characters This is incorrect for line 2 If the line begins with a code word check that this is followed by the character If there is no code word the line must begin with Examples ACC Place des Martyrs branch Brussels REC For the attention of Mr X please let us know the exchange rate applied for this transaction by telex BNF your reference ABC of 05012002 Belgolaise Bankers User Manual Date 19 08 02 36 Examples of commercial transfer orders 1 You receive an order from the Caisse Nationale d Epargne et de Cr dit in DAKAR asking you to transfer the sum of EUR 500 to the company SAC
63. rd taken from the drop down list Deleting a heading Belgolaise Bankers User Manual 11 Date 19 08 02 Select the heading to be removed in the upper part of the workspace and then click the Delete button to the right The heading will then disappear from your message Cancelling a heading If you are in the process of keying in the fields of a heading and you notice that the information keyed in is incorrect click the Cancel button on the right This will delete the fields making up the heading Inserting a heading Select the line above which you wish to add a heading and then click the Insert button on the right in the lower part of the workspace Let us take the following message in which you wish to insert a 33B heading just above the 50K heading Create message Commercial transfer 603 1041064 07 EUR 603 1041064 07 USD Issuer reference 23B Type of transaction CRED 324 Date Currency Amount 020613USD12333 32 BLGO BXL 50K Ordering customer BEATRICE ANSAY a CITI NY 53B Sender s correspondant 603104106407USD In 57 Beneficiary s bank BLGOFRPP Out 59 Beneficiary customer l3638000010003003001M30 MR DUPONT 20 Issuer reference z 12334444 Place the cursor on the the appropriate line heading 50K and click the Insert button in the bottom right of the screen Belgolaise Bankers User Manual 12 Date 19 08 02 SOL Create message Commerrial tr
64. rency to be transferred Amount to be transferred Checks Value date 15 numerical positions Error messages Actions Value date of day Warning message The date predates the date of the day Is this correct Choose the option or no If the date entered was incorrect correct If the requested date of payment predates the date of the day check that your message includes a 23E SDVA field Date later than D 3 working days No error message in B Web but the bank reserves the right to correct the value date Inconsistent date The date is invalid Enter the date using the format day month year DDMMYY Belgolaise will comply with the debit value date indicated thereby facilitating the reconciliation of your transactions Transfers will be made with the value date indicated if the order is received before our CUT OFF TIME for the currency For more information concerning the CUT OFF TIME please refer to Appendix 1 Amount Error messages Actions If value is non numerical The amount must be numerical Check the encoding you have entered a letter instead of a figure If value 0 The amount zone must be hither Enter the amount of the than zero payment Number of decimals Incorrect number of decimals for the currency Check and correct the amount entered Example 32A 020217USD1245 18 Belgolaise Bankers User
65. s not possible to deviate This coding promotes the automatic processing of your payment orders by Belgolaise guaranteeing that they are correctly and quickly carried out The basic principle is that your messages are divided into sequential headings in which a certain type of information has to be encoded We will go over the various headings to be filled in per type of message When a payment is encoded it is essential to follow the sequence of the various headings available Belgolaise Bankers User Manual Date 19 08 02 Summary of headings per type of message Heading Commercial transfer Issuer reference 20 O O O O Beneficiary reference 21 O O Type of transaction 23B O Codified instruction 23E F Type of transaction 26 T F Date of issue 30 O Date Amount Currency 32A O O O Amount Currency 32B O Currency Original amount 33B F Exchange rate 36 F Ordering customer 50 O Ordering customer institution 52 F F F Issuing institution s correspondent 53 O O O O Intermediary bank 56 F F F Beneficiary s bank 57 O O F Beneficiary institution 58 O Beneficiary customer 59 O O Communication 70 F Breakdown of fees 71 O Interbank communication 72 F F F F Information report 77 F O Compulsory F Optional To make it easier for you to enter data upon request we can supply specimen messages on paper to be completed Belgolaise Bankers User Manual 2 Date 19 08 02 Encoding paymen
66. se is listed as follows Issuer reference Account to be debited Interbank communication Cheque number Date of issue Currency Amount Ordering bank place Beneficiary oOo Tmn 0 O0 O0 10 O The last column indicates whether the heading is compulsory O or optional F In order to make it easier to encode when creating this type of message a model will be proposed automatically listing the compulsory headings that must be completed and the optional headings which you are strongly advised to use Model Issuer reference Account to be debited Cheque number Date of issue The headings not included in the model will be inserted as required Description of the headings Heading 20 Issuer reference compulsory Format Minimum 8 maximum 16 alphanumerical characters Contents Give your payment reference here This information will be included only on your statement of account and will enable you to ensure optimal management of your accounts Belgolaise Bankers User Manual 64 Date 19 08 02 Checks Error messages Actions Structure The Reference zone must have at least 8 characters Fill in the reference The Reference zone cannot begin with Replace with another character or delete it The Reference zone cannot end with Replace with another character or delete it The Reference zone ma
67. t error message is displayed obliging you to correct the anomaly Banque BELGOLAISE Bank E Accounts 603 1041064 07 EUR 603 1041064 07 USD E Database Type of transaction CRED 020613USD4558 E Banks Date Currency Amount BLGO BXL CITI NY z E Reference field must have at least 8 characters In E Out HELP DESK ACC MANAGER TEST E Filters Reference 001 002 Error mess NETT Unsaved version Certain headings allow you to enter an account number such as the 50K heading of a commercial transfer Banque Create message Commercial transfer BELGOLAISE i Monn E Accounts a Name S 603 1041064 07 EUR 603 1041064 07 USD E Database Type of transaction CRED ER Banks D C Am 020613USD7777 BLGO BXL CITI NY Issuer reference 12345678 Sender s correspondant 603104106407USD E In Beneficiary s bank Out Beneficiary s bank E Filters 001 002 Unsaved version If you know the IBAN accogint number see Appendix 2 always indicate this rather than giving the account number To do this click the Account button in the workspace and the IBAN button will appear automatically Belgolaise Bankers User Manual 8 Date 19 08 02 aree transfer BELGOLAISE Bank Accounts 603 1041064 07 EUR 603 1041064 07 USD t El Database Type of transaction E Banks Date Currency Amount BLGO BXL 50K Orderi
68. t in order to calculate the amount transferred f field 36 is encoded field 33B becomes compulsory f the currency in field 33B differs from that in field 32A then field 36 becomes compulsory Checks Checks Error messages Actions If value is non numerical Unauthorised character in the number Check the encoding you have entered a letter instead of a figure If value 0 The rate zone must be higher than zero Enter the equivalent rate If the currency of origin differs from the currency of the transfer and heading 36 is non existent Heading 36 is compulsory when the currencies in headings 32A and 33B are different Insert a heading 36 If field 36 has been completed and field 33B Heading 36 is forbidden if heading 33B has not been Complete field 33B entered is empty Example The customer requests the transfer the equivalent value of USD 100 in EUR The rate is USD 0 90 EUR 32A 020401EUR111 11 33B USD100 00 36 0 9000 Heading 50A or 50K Ordering customer compulsory Format of 50A Two fields accessible for this heading Account alphanumerical zone of 34 characters BEI code Entity Business Identifier alohanumerical zone of 11 characters For your information The BEI codes are subject to an ISO standard They are granted to institutions that are neither banks nor financial companies and are similar to the BIC
69. tered The first 4 characters must exist in the BIC Directory The BEI zone is incorrect Enter the code given in the BIC Directory Characters 5 to 8 of the BEI code must exist in the BIC The BEI zone is incorrect Positions 5 and 6 of the BEI code are incorrect Correct the Directory BEI entered Heading 59 First line compulsory the Complete the first line of the others optional for the field 59 with name of the address zone beneficiary customer Important For reasons of security Belgolaise does not issue bank cheques for Africa Belgolaise Bankers User Manual Date 19 08 02 32 Examples 59 A 6035414587987 VEWOBEBB 59A VEWOBEBB 59D 603547898748 Volkswagen Brussels Heading 70 Communication to the beneficiary optional Format 4 lines of 35 alphanumerical characters Contents Give details of the transaction invoice number text reference etc This zone is optional but in some countries such as the USA communications are checked on a random basis as part of the fight against money laundering and the fight against terrorism The payment will not be blocked but you risk being questioned about the nature of the payment once it has been made searches etc Code words have been created to facility keying in You can use them maximum one per line at the beginning of the line and surrounded by Additional information must be keyed in after
70. tic identification code EUR PT 8 figures Portuguese national clearing code GBP SC 6 figures Sorting code or CHAPS branch sort code United Kingdom HKD HK 3 figures Bank code of Hong Kong NZD NZ 6 figures New Zealand national clearing code USD CH 6 figures Chips universal identifier USD FW 9 figures Fedwire routing number The codes traditionally used most frequently are FW and SC Belgolaise Bankers User Manual 28 Date 19 08 02 Checks Error messages Actions Check account if IBAN format The IBAN zone is incorrect Check and correct the IBAN account number entered The first 4 characters must exist in the BIC Directory The BIC zone is incorrect Correct the BIC code entered Characters 5 to 8 of the BIC code BIC must exist in the BIC Directory The BIC zone is incorrect Correct the BIC code entered Heading 56D First line compulsory the Complete the first line of the others optional for the identification field of heading address zone 56D Important f heading 56 is used heading 57 becomes compulsory Ifthe intermediary bank is codified in the BIC Directory we advise you to complete heading 56A rather than heading 56D otherwise you will be charged manual processing costs repair costs Examples 56A BLGOBEBB 56D 603000000099 BIAO Abidjan 56D FW123456789 US bank New York Belgolaise Bankers User Manual
71. ts Encoding a payment message The Belgolaise account to be debited to make the payment has to be selected before any messages can be encoded using this module In the left hand part of the B Web screen select the account from which you wish to make your payment ELGG yes l Accounts Statements BELGOLAISE Bank L k mm s 603 1041064 07 USD 0s 09 06 2000 44 946 869 02 USD D Database H603 1041064 07 USD 11 05 2000 92 272 62 USD E Banks 603 1041064 07 USD 01 04 1999 709 975 00 USD BLGO BXL CITI NY Click the Transfer button in the B Web menu bar The screen summarising messages already encoded for the account selected appears Belgolaise Bankers User Manual 3 Date 19 08 02 angue Liste des messages de transfert x BELGOLAISE T ca 064 07 EUR es S ur 603 1041064 07 USD ph EE E Database E Banquiers BLGO BXL CITI NY Commercial 18 05 2002 Tr sorie 18 05 2002 Banque 17 05 2002 Banque 17 05 2002 JHYYJHNJH Avis chq 17 05 2002 NEUHFRDK Commercial 18 05 2002 TEST BAN 103 006 Commercial 17 05 2002 TEST B N 103 005 Commercial 17 05 2002 TEST B N 103 003 Commercial 17 05 2002 TEST B N 202 002 Banque 17 05 2002 Trans TEST BAN 202 001 Banque 17 05 2002 TEST BAN 200 001 Tr sorie 17 05 2002 TEST B N 103 002 Commercial 17 05 2002 TEST B N 103 001 Commercial 17 05 2002 Bg In E Out HELP DESK ACC MANAGER TEST E Filters 001 002 603
72. um of USD 859 60 for Mr Mamadou Fadiga twice He is requesting the reimbursement of the duplicate payment from his Citibank New York correspondent references RETFDS for the attention of Mr Sowe Dimanga Details of message to be produced Heading Name of heading Values to be entered 20 Issuer reference 240202TRE50008 21 Beneficiary s reference RETFDS 32A Date Amount Currency 020225EURUSD859 60 53B Account to be debited 603788000578 USD 57A Beneficiary s bank CITIUS33 58 D Beneficiary bank BANQUE INDUSTRIELLE ET COMMERCIALE DAKAR 72 Interbank communication MR SOWE DIMANGA BNF ATTN RETURN FUNDS DOUBLE EMPLOYMENT TFT USD 859 60 FAV 3 You wish to transfer USD 100 000 from your account No 603788000578 EUR to your USD account at our PARIS office value date 30 01 2002 You wish to be informed of the rate applied the same day Details of message to be produced Heading Name of heading Values to be entered 20 Issuer reference 240102TRE50001 32A Date Amount Currency 020130USD100000 53B Account to be debited 603788000578 EUR 57A Beneficiary s bank BLGOFRPP 58A Beneficiary bank BLGOBEBB 72 Interbank communication REC PLEASE LET US HAVE RATE AND EQUIVALENT VALUE BY TELEX ATTN Belgolaise Bankers User Manual Date 19 08 02 63 Formatting of advice of cheque Structure The information to be provided for Belgolai
73. y entered Characters 5 to 8 of the BIC The BIC zone is incorrect Correct the BIC code code must exist in the BIC entered Directory Heading 52D First line compulsory the Complete the first line of filed others optional for the 52D with the name of the address zone ordering customer s bank Belgolaise Bankers User Manual 26 Date 19 08 02 Examples 52A BLGOBEBB 52A 0652125879 BLGOBEBB 52D 603542154889 BELGOLAISE Cantersteen 1 B 1000 Brussels Belgium 52D BELGOLAISE Cantersteen 1 B 1000 Brussels BELGIUM Field 53B Account to be debited compulsory Format Maximum 34 alphanumerical characters Contents The account to be debited selected from the left hand side of the screen will automatically be loaded in this field This account will be debited by our services when the transaction is carried out Example 53B 603123456712 Belgolaise Bankers User Manual Date 19 08 02 27 Heading 56A or 56D Intermediary bank optional Format of 56A Two fields accessible for this heading Account alphanumerical zone of 34 characters BIC code Bank Identifier Code alphanumerical zone of 11 characters Format of 56D Three fields accessible for this heading Account alphanumerical zone of 34 characters Identification and addresses 4 lines each of 35 characters Clearing code type of clearing code and code Contents This field is on
74. y not contain the characters Delete one or both Uniqueness of the The contents of the reference Enter a new reference not yet reference zone already exist in another mentioned in other messages message Example 20 CHRE5478Y Field 53B Account to be debited compulsory Format Maximum 34 alphanumerical characters Contents The account to be debited selected from the left hand side of the screen will be automatically entered in this field This account will be debited by our services when the transaction is effected Example 53B 603123456712 Heading 72 Interbank communication optional Format 6 lines of 35 alphanumerical characters Contents This field is used to pass additional information that cannot be codified and relates to the cheque between banks It is essential to begin the first line with the character followed by a code word There may only be one code word per line If the text that follows a code word does not fit on one line the following lines begin with the double character Do not use in the body of the text Only use this field if absolutely necessary as its use automatically implies manual processing of the transaction Code word Meaning IREC Message intended for the Belgolaise branch to which your order is sent Belgolaise Bankers User Manual Date 19 08 02 65 Checks
75. you to ensure optimal management of your accounts Belgolaise Bankers User Manual 45 Date 19 08 02 Checks Error messages Actions Structure The Reference zone must have at least 8 characters Fill in the reference The Reference zone cannot begin with Replace with another character or delete it The Reference cannot end with JS Replace with another character or delete it The Reference zone cannot contain the characters Delete one or both Uniqueness of the The contents of the reference Enter a new reference not yet reference zone already exist in another mentioned in other messages message Example 20 CHRE5478Y Belgolaise Bankers User Manual Date 19 08 02 46 Heading 32A Value date currency and amount compulsory Format AAMMJJXXXNNNNNNNNNNNNNNN With YYMMDD XXX NNNNNNNNNNNNNNN Contents 6 numerical positions 3 alphabetical positions 15 numerical positions Payment value date format year month day ISO currency code of the currency to be transferred Amount to be transferred Checks Value date Error messages Actions Value date of day Warning message The date predates the date of the day Is this correct Choose the option or no If the date entered was incorrect correct If the requested date of payment predates the date of th

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