Formats for Internet Bank

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Formats for Internet Bank

This document specifies payment initiation and account statement formats in LHV Internet Bank.

PAYMENT INITIATION ... 2

XML FORMAT (ISO20022PAYMENT INITIATION MESSAGE PAIN.001.001.03) ... 2

TH5 FORMAT (DOMESTIC PAYMENT) ... 20

TH5 FORMAT (FOREIGN PAYMENT) ... 21

TH6 FORMAT (DOMESTIC PAYMENT) ... 23

TH6 FORMAT (FOREIGN PAYMENT) ... 24

ACCOUNT STATEMENT ... 26

XML FORMAT (ISO20022ACCOUNT STATEMENT MESSAGE CAMT.053.001.02) ... 26

TH6 FORMAT ... 40

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Payment initiation

XML format (ISO 20022 Payment Initiation Message pain.001.001.03)

The ISO 20022 Payment Initiation Message pain.001.001.03 is a payment initiation standard that covers SEPA and other payments made at LHV Bank. The ISO 20022 format allows to include information that is not supported by LHV Bank. That information is not processed by LHV Bank.

MESSAGE STRUCTURE

Group Header – mandatory, occurs once.

Payment Information – mandatory and repetitive. Contains information related to mostly the debit side of the payment.

Credit Transfer Transaction Information – mandatory and repetitive. Contains information related to the payment(s) included in the message.

MESSAGE ROOT

INDEX MULT. MESSAGE ELEMENT XML TAG

[1..1] +MessageRoot <CstmrCdtTrfInitn>

GROUP HEADER

INDEX MULT. MESSAGE ELEMENT <XML TAG> LHV REQUIREMENT

1.0 [1..1] +GroupHeader <GrpHdr>

1.1 [1..1] ++MessageIdentification <MsgId>

1.2 [1..1] ++CreationDateTime <CreDtTm>

1.6 [1..1] ++NumberOfTransactions <NbOfTxs> Number of payments in all Payment

Information blocks included in this message. If this number is not correct, the file upload will be cancelled.

1.7 [0..1] ++ControlSum <CtrlSum> Control sum of all individual amounts for

all Payment Information blocks included in this message, irrespective of currencies. If this number is not correct, the file upload will be cancelled.

1.8 [1..1] ++InitiatingParty <InitgPty> LHV Bank does not support credit

transfers on behalf of the remitter. Information in this block will be ignored.

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1.8 [0..1] +++Name <Nm>

1.8 [0..1] +++Identification <Id>

1.8 {Or ++++OrganisationIdentification <OrgId>

1.8 {{Or +++++BICOrBEI <BICOrBEI>

1.8 Or}} +++++Other <Othr>

1.8 [1..1] ++++++Identification <Id>

1.8 [0..1] ++++++SchemeName <SchmeNm>

1.8 [1..1] +++++++Code <Cd>

1.8 Or} ++++PrivateIdentification <PrvtId>

1.8 {Or +++++DateAndPlaceOfBirth <DtAndPlcOfBirth>

1.8 [1..1] ++++++BirthDate <BirthDt>

1.8 [1..1] ++++++CityOfBirth <CityOfBirth>

1.8 [1..1] ++++++CountryOfBirth <CtryOfBirth>

1.8 Or} +++++Other <Othr>

1.8 [1..1] +++++++Code <Cd>

PAYMENT INFORMATION

INDEX MULT. MESSAGE ELEMENT <XML TAG> LHV REQUIREMENT

2.0 [1..n] +PaymentInformation <PmtInf>

2.1 [1..1] ++PaymentInformationIdentification <PmtInfId>

2.2 [1..1] ++PaymentMethod <PmtMtd> Only the value TRF (credit transfer) is

allowed here. If any other value is entered, it will be ignored.

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2.3 [0..1] ++BatchBooking <BtchBookg> Not used.

2.4 [0..1] ++NumberOfTransactions <NbOfTxs> Number of payment included in the

current Payment Information block. If this number is not correct, the file upload will be cancelled.

2.5 [0..1] ++ControlSum <CtrlSum> Control sum of all individual amounts in

the current Payment Information block, irrespective of currencies. If this number is not correct, the file upload will be cancelled. 2.6 [0..1] ++PaymentTypeInformation <PmtTpInf> 2.7 [0..1] +++InstructionPriority <InstrPrty> 2.8 [0..1] +++ServiceLevel <SvcLvl> 2.9 [1..1] ++++Code <Cd> 2.11 [0..1] +++LocalInstrument <LclInstrm> 2.12 {Or ++++Code <Cd>

2.13 Or} ++++Proprietary <Prtry> Payment priority information.

The value here applies to all payments included in the current Payment Information block.

See the supported values in Code Set:

Payment Priority.

2.14 [0..1] +++CategoryPurpose <CtgyPurp>

2.15 [1..1] ++++Code <Cd> See the supported values in Code Set:

Category Purpose.

2.17 [1..1] ++Requested Execution Date <ReqdExctnDt> Date on which the remitter’s account is

debited.

2.19 [1..1] ++Remitter <Dbtr> Party from whose account the amount of

payment is to be debited. If a different party’s information is entered, it will be ignored.

2.19 [1..1] +++Name <Nm> Remitter’s name.

2.19 [0..1] +++PostalAddress <PstlAdr>

2.19 [0..1] ++++Country <Ctry> Remitter’s country ISO code.

2.19 [0..2] ++++AddressLine <AdrLine> Remitter’s address.

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2.19 {{Or +++++BICOrBEI <BICOrBEI> Remitter’s BIC or BEI code.

2.19 [1..1] ++++++Identification <Id> Organisation’s identification code.

2.19 [1..1] +++++++Code <Cd> See the supported values in Code Set:

Organisation Identification.

2.19 [1..1] ++++++BirthDate <BirthDt> Remitter’s birth date.

2.19 [1..1] ++++++CityOfBirth >CityOfBirth> Remitter’s city of birth.

2.19 [1..1] ++++++CountryOfBirth <CtryOfBirth> Remitter’s birth country ISO code.

2.19 [1..1] ++++++Identification <Id> Remitter’s identification code.

Private Person Identification.

2.20 [1..1] ++RemitterAccount <DbtrAcct> Remitter’s account from which the amount

of payment is to be debited.

2.20 [1..1] ++++IBAN <IBAN> Remitter’s IBAN.

If the remitter’s account does not correspond to the selected account, the payment will be either replaced with the selected account or will not be imported. A relevant error message will appear.

2.20 [0..1] +++Currency <Ccy> Not required to be filled in. The payment

will be made in the currency of the payment amount. If there are not enough funds available on the account, a relevant error message will appear.

2.21 [1..1] ++ RemitterAgent <DbtrAgt> Remitter’s bank information.

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2.21 [1..1] ++++BIC <BIC> If the LHV BIC is faulty or missing, it will be replaced with the correct code.

2.23 [0..1] ++UltimateRemitter <UltmtDbtr> SEPA specific information.

Ultimate party that owes an amount of money to the (ultimate) beneficiary. If ultimate remitter information is filled in at the Payment Information level, it will apply to all payments included in this block. Usage rule: Only to be used if different from the beneficiary.

2.23 [0..1] +++Name <Nm> Ultimate remitter’s name.

2.23 {{Or +++++BICOrBEI <BICOrBEI> Ultimate remitter’s BIC or BEI code.

2.23 [1..1] ++++++Identification <Id> Organisation’s identification code.

2.23 [1..1] ++++++BirthDate <BirthDt> Ultimate remitter’s birth date.

2.23 [1..1] ++++++CityOfBirth >CityOfBirth> Ultimate remitter’s city of birth.

2.23 [1..1] ++++++CountryOfBirth <CtryOfBirth> Ultimate remitter’s birth country ISO code.

2.23 [1..1] ++++++Identification <Id> Ultimate remitter’s identification code.

2.24 [0..1] ++ChargesBearer <ChrgBr> See the supported values in Code Set:

Charges Bearer.

2.25 [0..1] ++ChargesAccount <ChrgsAcct> LHV Bank does not support charge

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account.

2.25 [1..1] ++++IBAN <IBAN>

2.25 [0..1] +++Currency <Ccy>

2.27 [1..n] ++CreditTransferTransactionInformation <CdtTrfTxInf> This block contains a set of elements

providing information on the payment(s) included in the message.

2.28 [1..1] +++PaymentIdentification <PmtId>

2.29 [0..1] ++++InstructionIdentification <InstrId> Payment order number

2.30 [1..1] ++++EndToEndIdentification <EndToEndId> Not used.

2.31 [0..1] +++PaymentTypeInformation <PmtTpInf> Set of elements used to specify the type

of payment.

2.33 [0..1] ++++ServiceLevel <SvcLvl> Not used.

2.34 [1..1] +++++Code <Cd>

2.36 [0..1] ++++LocalInstrument <LclInstrm>

2.37 {Or +++++Code <Cd>

2.38 Or} +++++Proprietary <Prtry> Payment priority information.

The value here applies to the payment included in the current Credit Transfer Transaction Information block.

See the supported values in Code Set:

Payment Priority.

2.39 [0..1] ++++CategoryPurpose <CtgyPurp>

2.40 [1..1] +++++Code <Cd> See the supported values in Code Set:

Category Purpose.

2.42 [1..1] +++Amount <Amt>

2.43 {Or ++++InstructedAmount <InstdAmt> Payment amount and the currency

ordered by the initiating party. All currencies accepted by the bank for payment services are allowed. If there are not enough funds available on the account in a given currency, a relevant error message will appear.

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2.51 [0..1] +++ChargeBearer <ChrgBr> See the supported values in Code Set: Charges Bearer.

2.70 [0..1] +++UltimateRemitter <UltmtDbtr> SEPA specific information.

Ultimate party that owes an amount of money to the (ultimate) beneficiary. If ultimate remitter information is filled in at the Credit Transfer Transaction

Information level, it will apply only to the current payment.

Usage rule: Only to be used if different from the beneficiary.

2.70 [0..1] ++++Name <Nm> Ultimate remitter’s name.

2.70 [0..1] ++++Identification <Id>

2.70 {Or +++++OrganisationIdentification <OrgId>

2.70 {{Or ++++++BICOrBEI <BICOrBEI> Ultimate remitter’s BIC or BEI code.

2.70 Or}} ++++++Other <Othr>

2.70 [1..1] +++++++Identification <Id> Organisation’s identification code.

2.70 [0..1] +++++++SchemeName <SchmeNm>

2.70 [1..1] ++++++++Code <Cd> See the supported values in Code Set:

2.70 Or} +++++PrivateIdentification <PrvtId>

2.70 {Or ++++++DateAndPlaceOfBirth <DtAndPlcOfBirth>

2.70 [1..1] +++++++BirthDate <BirthDt> Ultimate remitter’s birth date.

2.70 [1..1] +++++++CityOfBirth <CityOfBirth> Ultimate remitter’s city of birth.

2.70 [1..1] +++++++CountryOfBirth <CtryOfBirth> Ultimate remitter’s birth country ISO code.

2.70 Or} ++++++Other <Othr>

2.70 [1..1] +++++++Identification <Id> Ultimate remitter’s identification code.

2.71 [0..1] +++IntermediaryAgent1 <IntrmyAgt1> Information about the beneficiary’s bank’s

correspondent bank. Used for foreign payments.

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2.71 [1..1] ++++FinancialInstitutionIdentification <FinInstnId>

2.71 [0..1] +++++BIC <BIC> Bank’s BIC code.

2.71 [0..1] +++++ClearingSystemMemberIdentificatio

n

2.71 [0..1] ++++++ClearingSystemIdentification <ClrSysId>

2.71 [1..1] +++++++Code <Cd> For the clearing system’s identification

code see the External Code Sets

spreadsheet on the ISO website.

2.71 [1..1] ++++++MemberIdentification <MmbId> Identification of the beneficiary's bank's

correspondent bank in a clearing system.

2.71 [0..1] +++++Name <Nm> Name of the beneficiary’s bank’s

correspondent bank. Used when the BIC or the clearing system’s member identification is not known to the initiating party.

2.71 [0..1] +++++PostalAddress <PstlAdr>

2.71 [0..1] ++++++Country <Ctry> Country ISO code of the beneficiary’s

bank’s correspondent bank.

2.71 [0..2] ++++++AddressLine <AdrLine> Country address of the beneficiary’s

bank’s correspondent bank.

2.72 [0..1] +++IntermediaryAgent1Account <IntrmyAgt1Acct> Not used.

2.72 {Or +++++IBAN <IBAN

2.77 [0..1] +++BeneficiaryAgent <CdtrAgt> Beneficiary agent’s information is required

if agent is situated outside Estonia.

2.77 [1..1] ++++FinancialInstitutionIdentification <FinInstnId>

2.77 [0..1] +++++BIC <BIC> Beneficiary’s bank’s BIC.

2.77 [0..1] +++++ClearingSystemMemberIdentificatio

n

2.77 [0..1] ++++++ClearingSystemIdentification <ClrSysId>

2.77 [1..1] +++++++Code <Cd> For the clearing system’s identification

code see the External Code Sets

spreadsheet on the ISO website.

2.77 [1..1] ++++++MemberIdentification <MmbId> Beneficiary’s bank identification in a

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Russia, the BIK code is entered here.

2.77 [0..1] +++++Name <Nm> Beneficiary's bank name.

Usage rule: The name is limited to 70 characters in length. Used when the BIC or the clearing system’s member identification is not known to the initiating party.

2.77 [0..1] +++++PostalAddress <PstlAdr>

2.77 [0..1] ++++++Country <Ctry> Beneficiary’s bank’s country ISO code.

2.77 [0..2] ++++++AddressLine <AdrLine> Beneficiary’s bank’s address.

2.78 [0..1] +++BeneficiaryAgentAccount <CdtrAgtAcct> Beneficiary’s bank account at its

correspondent bank.

Usage rule: Used only for RUB payments.

2.78 {Or +++++IBAN <IBAN>

2.78 [1..1] ++++++Identification <Id> For RUB payments to Russia, the

beneficiary’s bank's correspondent account with the Russian central bank is entered here.

2.79 [1..1] +++Beneficiary <Cdtr> Beneficiary’s information.

2.79 [1..1] ++++Name <Nm> Beneficiary’s name.

2.79 [0..1] ++++PostalAddress PstlAdr> Beneficiary’s address.

2.79 [0..1] +++++Country <Ctry> Usage rule: Client who is a resident of

Estonia will enter the beneficiary's country ISO code and the code of the balance of payment, if the payment is sent outside Estonia and the payment amount exceeds 50,000 euros or its equivalent in a foreign currency.

2.79 [0..2] +++++AddressLine <AdrLine>

2.79 [0..1] ++++Identification <Id> Beneficiary’s identification.

2.79 {Or +++++OrganisationIdentification <OrgId>

2.79 {{Or ++++++BICOrBEI <BICOrBEI> Beneficiary’s BIC or BEI code.

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2.79 [1..1] +++++++Identification <Id> Organisation’s identification code. For RUB payments to Russia, INN and KPP codes are entered here.

2.79 {{Or ++++++++Code <Cd> See the supported values in Code Set:

2.79 Or}} ++++++++Proprietary <Prtry> Scheme names INN and KPP are be

entered here.

2.79 [1..1] +++++++BirthDate <BirthDt> Beneficiary’s birth date.

2.79 [1..1] +++++++CityOfBirth <CityOfBirth> Beneficiary’s city of birth.

2.79 [1..1] +++++++CountryOfBirth <CtryOfBirth> Beneficiary’s birth country ISO code.

2.79 [1..1] +++++++Identification <Id> Beneficiary’s identification.

2.80 [1..1] +++BeneficiaryAccount <CdtrAcct> Beneficiary’s account.

2.80 {Or +++++IBAN <IBAN> Beneficiary’s IBAN.

2.80 [1..1] ++++++Identification <Id> Beneficiary’s account number.

2.81 [0..1] +++UltimateBeneficiary <UltmtCdtr> SEPA specific information.

Ultimate beneficiary is the ultimate beneficiary of the payment.

2.81 [0..1] ++++Name <Nm> Ultimate beneficiary’s name.

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2.81 {{Or ++++++BICOOrBEI <BICOrBEI> Ultimate beneficiary’s BIC or BEI.

2.81 Or}} ++++++Other <Othr>

2.81 [1..1] +++++++Identification <Id> Ultimate beneficiary’s organisation

identification.

2.81 [1..1] +++++++BirthDate <BirthDt> Ultimate beneficiary’s birth date.

2.81 [1..1] +++++++CityOfBirth <CityOfBirth> Ultimate beneficiary’s city of birth.

2.81 [1..1] +++++++CountryOfBirth <CtryOfBirth> Ultimate beneficiary’s birth country ISO

code.

2.81 [1..1] +++++++Identification <Id> Ultimate beneficiary’s identification.

2.86 [0..1] +++Purpose <Purp> SEPA specific information.

Reason for the payment.

2.87 [1..1] ++++Code <Cd> See the supported codes in Code Set:

Purpose.

2.89 [0..10] +++RegulatoryReporting <RgltryRptg> Information about the declaration of

payments.

Information required by the Russian central bank: For RUB payments to Russia, the VO code and in some cases the KBK code are entered here.

2.89 [0..1] ++++Authority <Authrty>

2.89 [0..1] +++++Country <Ctry>

2.89 [0..n] ++++Details <Dtls>

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2.89 [0..1] +++++Country <Ctry>

2.89 [0..1] +++++Code <Cd>

2.89 [0..1] +++++Information <Inf>

2.98 [0..1] +++RemittanceInformation <RmtInf> Used to enter the payment description

(unstructured) and the reference number (structured).

If both structured and unstructured information is filled in, the beneficiary reference under the structured information will be lifted to the unstructured

information tag in accordance with the EACT standard for unstructured remittance information formatting rules. If the remittance information will, as a result, be longer than 140 characters, the bank will deliver only the first 140 characters of the remittance information.

2.99 [0..1] ++++Unstructured <Ustrd> Payment description is entered here.

2.100 [0..1] ++++Structured <Strd>

2.120 [0..1] +++++BeneficiaryReferenceInformation <CdtrRefInf>

2.121 [0..1] ++++++Type <Tp>

2.122 [1..1] +++++++CodeOrProprietary <CdOrPrtry>

2.123 [1..1] ++++++++Code <Cd> Only the value SCOR is allowed here. If

any other value is entered, it will be ignored.

2.125 [0..1] +++++++Issuer <Issr>

2.126 [0..1] ++++++Reference <Ref> Payment reference number is entered

here.

CODE SET: PAYMENT PRIORITY

CODE DESCRIPTION

NORM Normal payment.

HIGH Urgent payment.

EXPR Extra urgent payment.

If payment priority is not provided or faulty, default values will be used.

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CODE SET: CATEGORY PURPOSE

CASH Cash management.

CORT Trade settlement payment.

DIVI Dividends payment.

GOVT Government payment.

HEDG Hedging.

INTC Intra-company payment.

INTE Interest payment.

LOAN Transfer of a loan to a borrower.

PENS Pension payment.

SALA Salary payment.

SECU Securities payment.

SSBE Social security benefit payment.

SUPP Supplier payment.

TAXS Tax payment.

TRAD Trade finance transaction payment.

TREA Treasury payment.

VATX VAT payment.

WHLD Withholding tax payment.

OTHR Other payment.

EPAY Payment via online banking.

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CODE SET: PURPOSE

ACCT Account management.

COLL Collection payment.

LIMA Liquidity management.

NETT Netting.

AGRT Agricultural payment.

BEXP Business expenses.

COMC Commercial payment.

CPYR Copyright.

LICF Licence fee.

GDDS Purchase and sale of goods.

SCVE Purchase and sale of services.

SUBS Subscription.

CHAR Charity payment.

HLRP Housing loan repayment.

INSU Insurance premium.

INTE Interest.

LBRI Labour insurance.

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LOAN Loan to borrower.

LOAR Loan to lender.

PPTI Property insurance.

ADVA Advance payment.

CCRD Credit card payment.

DCRD Debit card payment.

MSVC Multiple service types.

NOWS Not otherwise specified.

OTHR Other.

PADD Preauthorised debit.

RENT Rent.

STDY Study.

DERI Derivatives.

DIVD Dividend.

FREX Foreign exchange.

SAVG Savings.

SECU Securities.

DNTS Dental services.

HLTI Health insurance.

HSPC Hospital care.

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MDCS Medical services.

ALMY Alimony payment.

BONU Bonus payment.

BECH Child benefit.

COMM Commission.

SSBE Social security benefit.

HSTX Housing tax.

INTX Income tax.

TAXS Tax payment.

VATX VAT payment.

AIRB Air transport.

BUSB Bus transport.

FERB Ferry transport.

RLWY Railway transport.

CBTV Cable TV bill.

ELEC Electricity bill.

ENRG Energies.

GASB Gas bill.

NWCH Network charge.

NWCM Network communication.

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PHON Telephone bill.

WTER Water bill.

DEBT Deposit.

GDSV Purchase and sale of goods and services.

CDBL Credit card bill.

EDUC Education.

IVPT Invoice payment.

TBIL Telecommunication bill.

INVS Investment and securities.

ALLW Allowance.

PAYR Payroll.

UBIL Utilities.

CODE SET: PRIVATE PERSON IDENTIFICATION

ARNU Number assigned by a social security agency to identify a

non-resident person.

CCPT Number assigned by an authority to identify the passport

number of a person.

CUST Number assigned by an issuer to identify a customer.

DRLC Number assigned by an authority to identify a driver's license.

EMPL Number assigned by a registration authority to an employee.

NIDN Number assigned by an authority to identify the national

identity number of a person.

SOSE Number assigned by an authority to identify the social security

number of a person.

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CODE SET: CHARGES BEARER

SLEV Allowed only for SEPA payments. Shared charges.

SHAR Shared charges.

DEBT Remitter pays charges.

If the payment priority is not provided or faulty, default values will be used.

For additional information see Payment processing time limits and settlements.

CODE SET: ORGANISATION IDENTIFICATION

BANK Unique and unambiguous assignment made by a specific bank or similar financial institution to identify a relationship as

defined between the bank and its client.

CBID A unique identification number assigned by a central bank to identify an organisation.

CHID A unique identification number assigned by a clearing house to identify an organisation.

COID Country authority given organisation identification (e.g., corporate registration number).

CUST Number assigned by an issuer to identify a customer.

Number assigned by a party to identify a beneficiary or remitter relationship.

DUNS A unique identification number provided by Dun & Bradstreet to identify an organisation.

EMPL Number assigned by a registration authority to an employer.

GS1G Global Location Number. A non-significant reference number used to identify legal entities, functional entities, or physical

entities according to GS1 numbering scheme rules. The number is used to retrieve detailed information that is linked to it.

SREN The SIREN number is a 9 digit code assigned by INSEE, the French National Institute for Statistics and Economic Studies,

to identify an organisation in France.

SRET The SIRET number is a 14 digit code assigned by INSEE, the French National Institute for Statistics and Economic Studies,

to identify an organisation unit in France. It consists of the SIREN number, followed by a five digit classification number, to identify the local geographical unit of that entity.

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TH5 format (domestic payment)

A – alphanumeric (character) * Mandatory field Ø – space

N – numeric ** Not processed in payment importing Amount aligned to the right

NO POS DESCRIPTION TYPE LENGTH COMMENT

1 1 Subject code A* 4 MKUØ

2 5 Record code A* 3 1ØØ – ordinary

3 8 Remitter’s bank N* 3 689 4 11 Remitter’s account A* 16 5 27 Beneficiary's bank N* 3 6 30 Beneficiary's account A* 16 7 46 Beneficiary’s reg. no A 11 8 57 Beneficiary’s name A* 30

9 87 Amount N* 12 In cents as integer.

10 99 Payment date N 6 YYMMDD

11 105 Doc. no A* 5

12 110 Doc. date N* 6 YYMMDD

13 116 Additional information A* 70

14 186 Currency A* 3

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TH5 format (Foreign Payment)

2 5 Record code A* 3 1ØØ – ordinary FPO, 2ØØ – urgent FPO,

3ØØ – express VMK.

3 8 Remitter’s bank N* 3 689

4 11 Remitter’s account A* 16

5 27 Beneficiary's bank A* 140 Full name, address and codes of the

beneficiary’s bank.

6 167 Beneficiary's account A* 35 Final beneficiary’s account no at the

7 202 Beneficiary's address A 105 Full address of the beneficiary.

8 307 Beneficiary’s name A* 35

9 342 SWIFT A 11 SWIFT code of the beneficiary’s bank.

10 353 Amount N* 12 Amount in cents as integer.

11 365 Payment currency A* 3

12** 368 Debit currency A 3

13 371 Payment date N 6 Debiting date (value date) specified by the

client. YYMMDD

14 377 Document no A* 8

15** 385 Document date N 6 Date of making the payment order.

16 391 Additional information A* 140 Details of payment.

17 531 Charges A* 3 OUR – remitter; SHA – shared (each party pays

its own costs).

18 534 Payment balance N* 6 Code identifying content of the payment

according to the qualification of the Estonian central bank. Mandatory for payments over €50,000 (or equivalent).

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19 540 Correspondent bank A 140 Full name, address and codes of the beneficiary’s bank’s correspondent bank.

20 680 SWIFT A 11 SWIFT code of the beneficiary’s bank’s

correspondent bank.

21** 691 Correspondent account A 35 Correspondent bank.

22** 726 Intermediary bank A 140 Correspondent bank of the beneficiary’s bank’s

correspondent bank.

23** 866 SWIFT A 11 SWIFT code of the intermediary bank.

24** 877 Correspondent account A 35 Number of the correspondent account at the

intermediary bank.

25** 912 Country A 2 Beneficiary’s country of residence.

26** 914 Bank reference A 50

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TH6 format (domestic payment)

2 5 Record code A* 3 1ØØ – ordinary, 2ØØ – urgent.

4 11 Remitter’s account A* 20 International account no IBAN.

5 31 Beneficiary’s bank N* 3

6 34 Beneficiary’s account A* 20 International account no IBAN.

7 54 Beneficiary’s reg no A 11

9 95 Amount N* 12 In cents as integer.

10 107 Payment date N 6 YYMMDD

11 113 Doc no A* 5

12 118 Doc date N* 6 YYMMDD

13 124 Additional information A* 140

14 264 Currency A* 3

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TH6 format (Foreign Payment)

2 5 Record code A* 3 1ØØ – ordinary FPO; 2ØØ – urgent FPO; 3ØØ

– express FPO.

4 11 Remitter’s account A* 20 International bank account no IBAN.

5 31 Beneficiary’s bank A* 140 Full name, address and codes of the

6 171 Beneficiary’s account A* 35 Final beneficiary’s account no at the

7 206 Beneficiary’s address A 105 Full address of the beneficiary.

9 346 SWIFT A 11 SWIFT code of the beneficiary’s bank.

10 357 Amount N* 12 Amount in cents as integer.

11 369 Payment currency A* 3

12** 372 Debit currency A 3

13 375 Payment date N 6 Debiting date (value date) specified by the

client. YYMMDD

14 381 Document no A* 8

15** 389 Document date N 6 Date of making the payment order.

16 395 Additional information A* 140 Details of payment.

17 535 Charges A* 3 OUR – remitter; SHA – shared (each party pais

its own costs).

18** 538 Payment balance N* 6 Code identifying content of the payment

according to the qualification of the Estonia central bank. Mandatory for payments over €50,000 (or equivalent).

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19 544 Correspondent bank A 140 Full name, address and codes of the beneficiary’s bank’s correspondent bank.

20 684 SWIFT A 11 SWIFT code of the beneficiary’s bank’s

correspondent bank.

21** 695 Correspondent account A 35 Correspondent bank.

22** 730 Intermediary bank A 140 Correspondent bank of the beneficiary’s bank’s

correspondent bank.

23** 870 SWIFT A 11 SWIFT code of the intermediary bank.

24** 881 Correspondent account A 35 Numer of the correspondent account at the

intermediary bank.

(26)

Account Statement

XML format (ISO 20022 Account Statement Message camt.053.001.02)

The ISO 20022 Account Statement Message camt.053.001.02 standard is used to report account booked transactions and balances of a selected time period. The message includes information about the opening balance, the closing balance, and the available balance together with all booked transactions of a reporting period. The ISO 20022 format allows to include information that is not supported by LHV Bank. That information is not provided by LHV Bank.

MESSAGE STRUCTURE

Group Header – mandatory, occurs once.

Statement – mandatory and repetitive per currency.

Balance – mandatory and repetitive. Contains elements such as Opening Booked Balance and Closing Booked Balance. Entry – included in the Statement block. Contains information related to an entry on the account.

Entry Details – included in the Entry block. Contains detailed information related to the entry.

MESSAGE ROOT

INDEX MULT. MESSAGE ELEMENT XML TAG

[1..1] +MessageRoot <BkToCstmrStmt>

GROUP HEADER

INDEX MULT. OR MESSAGE ELEMENT XML TAG LHV REQUIREMENT

1.0 [1..1] +GroupHeader <GrpHdr>

1.1 [1..1] ++MessageIdentification <MsgId> Account owner’s unique message identifier

generated by LHV Bank.

1.2 [1..1] ++CreationDateTime <CreDtTm> Date and time (UTC + 2) when the account

statement message is created at LHV Bank.

1.3 [0..1] ++MessageRecipient <MsgRcpt> Not used.

1.4 [0..1] ++MessagePagination <MsgPgntn> Not used.

STATEMENT

INDEX MULT .

OR MESSAGE ELEMENT XML TAG LHV REQUIREMENT

(27)

2.1 [1..1] ++Identification <Id> Unique identification provided by LHV Bank. Identification is generated from the value of GrpHdr.MsgId and the currency for which this Statement block is generated.

2.2 [0..1] ++ElectronicSequenceNumber <ElctrncSeqNb> Not used.

2.3 [0..1] ++LegalSequenceNumber <LglSeqNb> Not used.

2.4 [1..1] ++CreationDateTime <CreDtTm> Date and time when the account statement

is generated at LHV Bank.

2.5 [1..1] ++FromToDate <FrToDt>

[1..1] +++FromDateTime <FrDtTm> Start date of the reporting period.

[1..1] +++ToDateTime <ToDtTm> End date of the reporting period.

2.10 [1..1] ++Account <Acct>

[1..1] +++Identification <Id>

[1..1] ++++IBAN <IBAN> IBAN for which this statement is generated.

[0..1] +++Currency <Ccy> Account currency for which this statement

block is generated.

[0..1] +++Servicer <Svcr> Full information about LHV Bank.

[1..1] ++++FinancialInstitutionIdentific

ation

[0..1] +++++BIC <BIC> LHVBEE22

[0..1] +++++Name <Nm> LHV Bank

[0..1] +++++PostalAddress <PstlAdr>

[0..1] ++++++AddressType <AdrTp> BIZZ

[0..1] ++++++StreetName <StrtNm> Tartu mnt

[0..1] ++++++BuildingNumber <BldgNb> 2

[0..1] ++++++PostCode <PstCd> 10145

[0..1] ++++++TownName <TwnNm> Tallinn

[0..1] ++++++CountrySubdivision <CtrySubDvsn> Harjumaa

(28)

[0..7] ++++++AddressLine <AdrLine>

2.11 [0..1] ++RelatedAccount <RltdAcct> Not used.

2.23 [1..n] ++Balance <Bal>

2.24 [1..1] +++Type <Tp>

2.25 [1..1] ++++CodeOrProprietary <CdOrPrtry>

2.26 [1..1] +++++Code <Cd> See the codes in Code Set: Balance.

2.31 [0..1] +++CreditLine <CdtLine> Not used.

2.34 [1..1] +++Amount <Amt> Balance amount.

2.35 [1..1] +++CreditDebitIndicator <CdtDbtInd> See the codes in Code Set: Credit and

Debit Code.

2.36 [1..1] +++Date <Dt>

[1..1] ++++Date <Dt> Balance date

2.43 [1..1] ++TransactionsSummary <TxsSummry>

2.44 [0..1] +++TotalEntries <TtlNtries> Not used.

2.49 [1..1] +++TotalCreditEntries <TtlCdtNtries>

2.50 [0..1] ++++NumberOfEntries <NbOfNtries> Number of credit entries in a given

Statement block.

2.51 [1..1] ++++Sum <Sum> Sum of all credit entries in a given

statement block.

2.52 [1..1] +++TotalDebitEntries <TtlDbtNtries>

2.53 [0..1] ++++NumberOfEntries <NbOfNtries>

2.54 [1..1] ++++Sum <Sum> Sum of debit entries in a given Statement

block.

2.55 [0..n] +++TotalEntriesPerBankTransac

tionCode

<TtlNtriesPerBkTxCd> Not used.

2.76 [0..n] ++Entry <Ntry>

2.77 [0..1] +++EntryReference <NtryRef>

(29)

2.79 [1..1] +++CreditDebitIndicator <CdtDbtInd> See the codes in Code Set: Credit and Debit Code.

2.80 [0..1] +++ReversalIndicator <RvslInd> Not used.

2.81 [1..1] +++Status <Sts> BOOK

2.82 [1..1] +++BookingDate <BookgDt>

[1..1] ++++Date <Dt> Booking date.

2.83 [0..1] +++ValueDate <ValDt> Not used.

[1..1] ++++Date <Dt>

2.84 [1..1] +++AccountServicerReference <AcctSvcrRef> Unique payment ID assigned by the bank.

2.91 [1..1] +++BankTransactionCode <BkTxCd>

2.92 [1..1] ++++Domain <Domn>

2.93 [1..1] +++++Code <Cd> XTND

2.94 [1..1] +++++Family <Fmly>

2.95 [1..1] ++++++Code <Cd> NTAV

2.96 [1..1] ++++++SubFamilyCode <SubFmlyCd> NTAV

2.97 [0..1] ++++Proprietary <Prtry> Not used.

2.101 [0..1] +++AdditionalInformationIndicat

or

<AddtlInfInd> Not used.

2.135 [1..n] +++EntryDetails <NtryDtls>

2.136 [0..1] ++++Batch <Btch> Not used.

2.142 [0..n] ++++TransactionDetails <TxDtls>

2.143 [1..1] +++++References <Refs>

2.144 [0..1] ++++++MessageIdentification <MsgId> Not used.

2.145 [0..1] ++++++AccountServicerReferen

ce

<AcctSvcrRef> Unique payment ID assigned by the bank.

2.146 [0..1] ++++++PaymentInformationIden

tification

<PmtInfId> Unique identification assigned by a sending

(30)

2.147 [0..1] ++++++InstructionIdentification <InstrId> Payment order number or NOTPROVIDED.

2.148 [0..1] ++++++EndToEndIdentification <EndToEndId>

2.149 [0..1] ++++++TransactionIdentification <TxId> Not used.

2.150 [0..1] ++++++MandateIdentification <MndtId> Not used.

2.151 [0..1] ++++++ChequeNumber <ChqNb> Not used.

2.153 [0..1] ++++++Proprietary <Prtry> Not used.

2.156 [0..1] +++++AmountDetails <AmtDtls> Not used.

2.163 [0..1] +++++BankTransactionCode <BkTxCd> Not used.

2.172 [0..n] +++++Charges <Chrgs> Not used.

2.186 [0..n] +++++Interest <Intrst> Not used.

2.199 [0..1] +++++RelatedParties <RltdPties>

2.200 [0..1] ++++++InitiatingParty <InitgPty> Not used.

2.201 [0..1] ++++++Remitter <Dbtr>

[0..1] +++++++Name <Nm> Remitter’s name.

[0..1] +++++++PostalAddress <PstlAdr> [0..1] ++++++++AddressType <AdrTp> [0..1] ++++++++Department <Dept> [0..1] ++++++++SubDepartment <SubDept> [0..1] ++++++++StreetName <StrtNm> [0..1] ++++++++BuildingNumber <BldgNb> [0..1] ++++++++PostCode <PstCd> [0..1] ++++++++TownName <TwnNm> [0..1] ++++++++CountrySubdivision <CtrySubDvsn>

(31)

[0..1] ++++++++Country <Ctry> Remitter’s country ISO code.

[0..7] ++++++++AddressLine <AdrLine> Remitter’s address.

[0..1] +++++++Identification <Id>

[1..1] {Or ++++++++OrganisationIdentifica

tion

<OrgId>

[0..1] +++++++++BICOrBEI <BICOrBEI> Remitter’s BIC or BEI.

[0..n] +++++++++Other <Othr>

[1..1] ++++++++++Identification <Id> Remitter’s identification.

[1..1] Or} ++++++++PrivateIdentification <PrvtId>

[0..1] +++++++++DateAndPlaceOfBirt

h

[1..1] ++++++++++BirthDate <BirthDt> Remitter’s birth date.

[1..1] ++++++++++CityOfBirth <CityOfBirth> Remitter’s city of birth.

[1..1] ++++++++++CountryOfBirth <CtryOfBirth> Remitter’s country of birth.

[0..n] +++++++++Other <Othr>

[1..1] ++++++++++Identification <Id> Remitter’s identification.

2.202 [0..1] ++++++RemitterAccount <DbtrAcct>

[1..1] {Or ++++++++IBAN <IBAN> Remitter’s IBAN.

[1..1] Or} ++++++++Other <Othr>

[1..1] +++++++++Identification <Id> Remitter’s account number.

2.203 [0..1] ++++++UltimateRemitter <UltmtDbtr>

[0..1] +++++++Name <Nm> Ultimate remitter’s name.

tion

(32)

[0..1] +++++++++BICOrBEI <BICOrBEI> Ultimate remitter’s BIC or BEI.

[0..n] +++++++++Other <Othr>

[1..1] ++++++++++Identification <Id> Ultimate remitter’s identification.

h

[1..1] ++++++++++BirthDate <BirthDt> Ultimate remitter’s birth date.

[1..1] ++++++++++CityOfBirth <CityOfBirth> Ultimate remitter’s city of birth.

[1..1] ++++++++++CountryOfBirth <CtryOfBirth> Ultimate remitter’s country of birth.

[0..n] +++++++++Other <Othr>

[1..1] ++++++++++Identification <Id> Ultimate remitter’s identification.

2.204 [0..1] ++++++Beneficiary <Cdtr>

[0..1] +++++++Name <Nm> Beneficiary’s name.

[0..1] +++++++PostalAddress <PstlAdr>

[0..1] ++++++++Country <Ctry> Beneficiary’s country ISO code.

[0..1] ++++++++AddressLine <AdrLine> Beneficiary’s address.

tion

<OrgId>

[0..1] +++++++++BICOrBEI <BICOrBEI> Beneficiary’s BIC or BEI.

[0..n] +++++++++Other <Othr>

[1..1] ++++++++++Identification <Id> Beneficiary’s identification.

h

(33)

[1..1] ++++++++++CityOfBirth <CityOfBirth> Beneficiary’s city of birth.

[1..1] ++++++++++CountryOfBirth <CtryOfBirth> Beneficiary’s country of birth.

[0..n] +++++++++Other <Othr>

[1..1] ++++++++++Identification <Id> Beneficiary’s identification.

2.205 [0..1] ++++++BeneficiaryAccount <CdtrAcct>

[1..1] {Or ++++++++IBAN <IBAN> Beneficiary’s IBAN.

[1..1] Or} ++++++++Other <Othr>

[1..1] +++++++++Identification <Id> Beneficiary’s account number.

2.206 [0..1] ++++++UltimateBeneficiary <UltmtCdtr>

[0..1] +++++++Name <Nm> Ultimate beneficiary’s name.

tion

<OrgId>

[0..1] +++++++++BICOrBEI <BICOrBEI> Ultimate beneficiary’s BIC or BEI.

[0..n] +++++++++Other <Othr>

[1..1] ++++++++++Identification <Id> Ultimate beneficiary’s identification.

h

[1..1] ++++++++++BirthDate <BirthDt> Ultimate beneficiary’s birth date.

[1..1] ++++++++++CityOfBirth <CityOfBirth> Ultimate beneficiary’s city of birth.

[1..1] ++++++++++CountryOfBirth <CtryOfBirth> Ultimate beneficiary’s country of birth.

[0..n] +++++++++Other <Othr>

(34)

2.211 [0..1] +++++RelatedAgents <RltdAgts>

2.212 [0..1] ++++++RemitterAgent <DbtrAgt>

[1..1] +++++++FinancialInstitutionIden

tification

[0..1] ++++++++BIC <BIC> BIC of the remitter’s bank.

[0..1] ++++++++Name <Nm> Name of the remitter’s bank.

2.213 [0..1] ++++++BeneficiaryAgent <CdtrAgt>

tification

[0..1] ++++++++BIC <BIC> BIC of the beneficiary’s bank.

[0..1] ++++++++Name <Nm> Name of the beneficiary’s bank.

2.214 [0..1] ++++++IntermediaryAgent1 <IntrmyAgt1> Not used.

2.215 [0..1] ++++++IntermediaryAgent2 <IntrmyAgt2> Not used.

2.216 [0..1] ++++++IntermediaryAgent3 <IntrmyAgt3>

tification

[0..1] ++++++++BIC <BIC> BIC of the beneficiary’s correspondent

bank.

[0..1] ++++++++Name <Nm> Name of the beneficiary’s correspondent

bank.

2.217 [0..1] ++++++ReceivingAgent <RcvgAgt> Not used.

2.218 [0..1] ++++++DeliveringAgent <DlvrgAgt> Not used.

2.219 [0..1] ++++++IssuingAgent <IssgAgt> Not used.

2.220 [0..1] ++++++SettlementPlace <SttlmPlc> Not used.

2.224 [0..1] +++++Purpose <Purp>

2.225 [1..1] {Or ++++++Code <Cd> See the codes in Code Set: Purpose.

2.226 [1..1] Or} ++++++Proprietary <Prtry>

2.227 [0..10] [0..10] +++++RelatedRemittanceInform

ation

(35)

2.234 [0..1] +++++RemittanceInformation <RmtInf>

2.235 [0..n] ++++++Unstructured <Ustrd> Payment description.

2.236 [0..n] ++++++Structured <Strd> 2.256 [0..n] +++++++BeneficiaryReferenceIn formation <CdtrRefInf> 2.257 [0..1] ++++++++Type <Tp> 2.258 [1..1] +++++++++CodeOrProprietary <CdOrPrtry>

2.259 [1..1] {Or ++++++++++Code <Cd> SCOR

2.260 [1..1] Or} ++++++++++Proprietary <Prtry>

2.261 [0..1] +++++++++Issuer <Issr>

2.262 [0..1] ++++++++Reference <Ref> Payment reference number.

2.266 [0..1] +++++RelatedDates <RltdDts> Not used.

2.292 [0..1] +++++Tax <Tax> Not used.

2.293 [0..1] +++++ReturnInformation <RtrInf> Not used.

2.313 [0..1] +++++AdditionalTransactionInfor

mation

<AddtlTxInf> Not used.

2.314 [0..1] +++AdditionalEntryInformation <AddtlNtryInf> Not used.

2.315 [0..1] ++AdditionalStatementInformatio

n

<AddtlStmtInf> Not used.

CODE SET: BALANCE

OPBD Opening booked balance.

CLBD Closing booked balance.

CODE SET: CREDIT AND DEBIT CODE

(36)

DBIT Negative amount.

CODE SET: PURPOSE

ACCT Account management.

COLL Collection payment.

LIMA Liquidity management.

NETT Netting.

AGRT Agricultural payment.

BEXP Business expenses.

COMC Commercial payment.

CPYR Copyright.

LICF Licence fee.

GDDS Purchase and sale of goods.

SCVE Purchase and sale of services.

SUBS Subscription.

CHAR Charity payment.

HLRP Housing loan repayment.

INSU Insurance premium.

INTE Interest.

(37)

LIFI Life insurance.

LOAN Loan to borrower.

LOAR Loan to lender.

PPTI Property insurance.

ADVA Advance payment.

CCRD Credit card payment.

DCRD Debit card payment.

MSVC Multiple service types.

NOWS Not otherwise specified.

OTHR Other.

PADD Preauthorised debit.

RENT Rent.

STDY Study.

DERI Derivatives.

DIVD Dividend.

FREX Foreign exchange.

SAVG Savings.

SECU Securities.

DNTS Dental services.

HLTI Health insurance.

(38)

LTCF Long-term care facility.

MDCS Medical services.

ALMY Alimony payment.

BONU Bonus payment.

BECH Child benefit.

COMM Commission.

SSBE Social security benefit.

HSTX Housing tax.

INTX Income tax.

TAXS Tax payment.

VATX VAT payment.

AIRB Air transport.

BUSB Bus transport.

FERB Ferry transport.

RLWY Railway transport.

CBTV Cable TV bill.

ELEC Electricity bill.

ENRG Energies.

GASB Gas bill.

NWCH Network charge.

(39)

OTLC Other telecom related bill.

PHON Telephone bill.

(40)

TH6 format

HEADER

1 1 Subject code A* 4 VVØØ

2 5 Record code A* 3 000

3 8 Bank code N* 3 689

4 11 Account number A* 20 Bank account number in the IBAN format.

5 31 Date N* 6 YYMMDD, query date.

6 37 Time N* 4 HHMM, query time.

TRANSACTIONS

2 5 Record code A* 1 1 – transaction, 2 – opening balance,

3 – closing balance.

3 6 Bank reference A* 16 Displayed in the format

YYYYMMDDXXXXXXXX.

4 22 Tr. type A* 4 Transaction code (MK – domestic payment,

MV – foreign payment).

5 26 Own account number A* 20 Bank account number in the IBAN format.

6 46 Currency A* 3

7 49 Bank A* 35 Counterparty’s bank code and account

number.

8 84 Name A* 35 Counterparty’s name.

9 119 Doc. no A* 8

(41)

11 267 C/D A* 2 C – credit, D – debit.

12 269 Amount N* 12 In cents and always positive.

13 281 Client reference A* 35 Payment reference no.

FOOTER

2 5 Record code A* 3 999

3 8 A 190 Unused.

4 198 Checksum N* 12 Last 12 positions.

(42)

CSV format

Under the Internet Bank settings, you yourself can define the field and decimal separators.

HEADER

NO COLUMN COMMENT

1 Client account Account from which the statement was prepared.

2 Document number Payment number.

3 Date Payment date.

4 Beneficiary’s/remitter’s

account

Other party’s IBAN.

5 Beneficiary’s/remitter’s name Other party’s name.

6 Beneficiary’s bank’s code

7 Empty Not used.

8 Debit/Credit (D/C)

9 Amount Payment amount. Debit entries with a minus sign.

10 Reference number Payment reference number.

11 Archival ID Provided as AAAAKKPPXXXXXXXX.

12 Details Details of payment.

13 Service charge

14 Currency Payment currency.

15 Personal identification code

or registry code

Other party’s private person’s identification code or legal entity’s registry code.

16 Beneficiary’s/remitter’s

bank’s BIC

17 Payment initiator’s name Final remitter’s name.

18 Entry reference

19 Account service provider’s

reference