Here you will find the documentation for our Payment Bulk Format, which can be used to initiate payments via our API and web channel.

If you have questions related to the format please contact Client Services.

Payment Bulk Format

A csv payment bulk consists of one or more lines of payment instruction details. The fields of each line are separated by a comma ‘,’. A definition of the fields can be found below.

Several of the field descriptions are dimmed by the use of the colour grey. These fields are optional. Notice that the fields must still be defined for each line (i.e. the correct number of commas ‘,’ must be present).

FieldNameRequiredAllowed inputDescription
1Debtor Customer IDOptionalCustomer ID for the debtor account
2Debtor AccountMandatoryDK IBANAccount from which you want funds transferred

Example: DK4789000000012345
3Debtor Account Branch CodeOptionalThe bank branch for the debtor account
4Debtor Account CurrencyOptionalThe currency for the debtor account
5AmountMandatoryMust be larger than zero and formatted without the one thousand separator using a full stop ‘.’ as the decimal separator.
Must conform with allowed number of decimals for selected Amount Currency
Instructed amount
Valid examples (GBP): 100 | 100. | 100.00
Invalid examples (GBP): 1,100 | 1,100.00 | 1100.000
6Currency of TransferMandatoryFormat of Alpha 3 ISO 4217Currency of the amount that will be transferred to the creditor

Example: EUR
7Requested Execution DateMandatoryDDMMYYYY (day month year)The date when you intend your payment to be processed and debited from your Debtor Account

Example: 25012019
8Payment TypeOptionalCan be ‘A’ (for ad-hoc/general payment type)
9Creditor NameMandatoryMaximum length: 35
Allowed characters*
Illegal characters**
Name of the creditor that will receive funds
10Creditor AccountMandatoryAccount of the creditor that will receive funds
Can be either an account number or an International Bank Account Number (IBAN)
Examples:
IBAN: DK5989000000054321
Account number: 0000054321
11Transfer ModeOptionalCan be ‘S’ for SWIFT
12Creditor Account Financial InstitutionConditional

Mandatory if Creditor Account is not an IBAN

Optional otherwise
Financial Institution where Creditor Account resides
Can be either a Bank Identifier Code (BIC) or a National Clearing Code
Supported National Clearing Codes
UK – Sort Code requires prefix with ‘SC’ followed by the 6-digit sort code. E.g. SC123456
US – Fedwire Code requires prefix with ‘FW’ followed by 9-digit Fedwire/ABA code. E.g. FW123456789
Example BIC – SXPYDKKKXXX
13Beneficiary e-mailOptionalEmail of the beneficiary
14Remittance Information Line 1MandatoryMaximum length: 35
Allowed characters*
Illegal characters**
Line 1 of the textual information passed from Debtor to Creditor as part of the transfer
15Remittance Information Line 2Optional***Maximum length: 35
Allowed characters*
Illegal characters**
Line 2 of the textual information passed from Debtor to Creditor as part of the transfer
16Remittance Information Line 3Optional***Maximum length: 35
Allowed characters*
Illegal characters**
Line 3 of the textual information passed from Debtor to Creditor as part of the transfer
17Remittance Information Line 4Optional***Maximum length: 35
Allowed characters*
Illegal characters**
Line 4 of the textual information passed from Debtor to Creditor as part of the transfer
18Charge BearerMandatoryValue: SHADetermines which of the parties will be charged the payment fee.
Only allowed value is SHA (Shared) – each party holds their own fee expense
19Debtor Narrative to SelfOptionalMaximum length: 35
Allowed characters*
Dual purpose
Narrative to self: Purely for own reference. I.e. is not part of the resulting payment
Virtual International Bank Account Number (VIBAN): The DK IBAN of one of your VIBANs
20Narrative for CreditorOptionalAdditional narrative
21Amount CurrencyMandatoryFormat of Alpha 3 ISO 4217Currency of the Amount
Amount Currency must match one of:
Debtor Account Currency. Example: I would like 100 EUR from my EUR account sent to Creditor Account in GBP (Currency of Transfer)
Or
Currency of Transfer. Example: I would like to withdraw from my EUR account the amount required to pay my invoice of exactly 100 GBP (Currency of Transfer) to Creditor Account
22Debtor ReferenceOptionalMaximum length: 35
Allowed characters*
Debtor own reference
Own reference which can be used for own reconciliation. This value can be found on the reconciliation and rejection reports
Purely for own reference. I.e. is not part of the resulting payment
23Creditor Address Line 1Conditional***

Mandatory if payment targets institutions other than Banking Circle

Optional otherwise
Maximum length: 35
Allowed characters*
Illegal characters**
Line 1 detailing the address of the Creditor
Mandatory: Only for payment targeting institutions other than Banking Circle
24Creditor Address Line 2Optional***Maximum length: 35
Allowed characters*
Illegal characters**
Line 2 detailing the address of the Creditor
25Creditor Address Line 3Optional***Maximum length: 35
Allowed characters*
Illegal characters**
Line 3 detailing the address of the Creditor
3rd address line also referred to as city field. Fill with Country as Alpha 2 ISO 3166-1 and city name with postal code
Examples:
DK – 2900 Hellerup
GB - London EC2M 4AY
26IntracompanyOptional‘N’ can be used

 

*) Allowed characters – Any of:

a b c d e f g h i j k l m n o p q r s t u v w x y z

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

0 1 2 3 4 5 6 7 8 9

/ – ? : ( ) . , ‘ +

Space

**) Illegal characters – Any of:

Field only composed of blank characters (space)

First character is colon (:) or hyphen (–)

***) Empty lines between non-empty lines

Cross border payments (MT103) do not support empty lines between non-empty lines – E.g. ‘Creditor Address Line 1’ provided, ‘Creditor Address Line 2’ empty and ‘Creditor Address Line 3’ provided.

We reserve the right to shift content to previous lines, when empty line is encountered. The example above will yield an instruction with content in ‘Creditor Address Line 1’ and ‘Creditor Address Line 2’. The content of ‘Creditor Address Line 2’ is the instructed content of ‘Creditor Address Line 3’.

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