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).
| Field | Name | Required | Allowed input | Description |
|---|---|---|---|---|
| 1 | Debtor Customer ID | Optional | Customer ID for the debtor account | |
| 2 | Debtor Account | Mandatory | DK IBAN | Account from which you want funds transferred Example: DK4789000000012345 |
| 3 | Debtor Account Branch Code | Optional | The bank branch for the debtor account | |
| 4 | Debtor Account Currency | Optional | The currency for the debtor account | |
| 5 | Amount | Mandatory | Must 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 |
| 6 | Currency of Transfer | Mandatory | Format of Alpha 3 ISO 4217 | Currency of the amount that will be transferred to the creditor Example: EUR |
| 7 | Requested Execution Date | Mandatory | DDMMYYYY (day month year) | The date when you intend your payment to be processed and debited from your Debtor Account Example: 25012019 |
| 8 | Payment Type | Optional | Can be ‘A’ (for ad-hoc/general payment type) | |
| 9 | Creditor Name | Mandatory | Maximum length: 35 Allowed characters* Illegal characters** | Name of the creditor that will receive funds |
| 10 | Creditor Account | Mandatory | Account 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 |
|
| 11 | Transfer Mode | Optional | Can be ‘S’ for SWIFT | |
| 12 | Creditor Account Financial Institution | Conditional 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 |
|
| 13 | Beneficiary e-mail | Optional | Email of the beneficiary | |
| 14 | Remittance Information Line 1 | Mandatory | Maximum length: 35 Allowed characters* Illegal characters** | Line 1 of the textual information passed from Debtor to Creditor as part of the transfer |
| 15 | Remittance Information Line 2 | Optional*** | Maximum length: 35 Allowed characters* Illegal characters** | Line 2 of the textual information passed from Debtor to Creditor as part of the transfer |
| 16 | Remittance Information Line 3 | Optional*** | Maximum length: 35 Allowed characters* Illegal characters** | Line 3 of the textual information passed from Debtor to Creditor as part of the transfer |
| 17 | Remittance Information Line 4 | Optional*** | Maximum length: 35 Allowed characters* Illegal characters** | Line 4 of the textual information passed from Debtor to Creditor as part of the transfer |
| 18 | Charge Bearer | Mandatory | Value: SHA | Determines which of the parties will be charged the payment fee. Only allowed value is SHA (Shared) – each party holds their own fee expense |
| 19 | Debtor Narrative to Self | Optional | Maximum 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 |
| 20 | Narrative for Creditor | Optional | Additional narrative | |
| 21 | Amount Currency | Mandatory | Format of Alpha 3 ISO 4217 | Currency 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 |
| 22 | Debtor Reference | Optional | Maximum 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 |
| 23 | Creditor Address Line 1 | Conditional*** 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 |
| 24 | Creditor Address Line 2 | Optional*** | Maximum length: 35 Allowed characters* Illegal characters** | Line 2 detailing the address of the Creditor |
| 25 | Creditor Address Line 3 | Optional*** | 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 |
| 26 | Intracompany | Optional | ‘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’.