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Electronic account statements

Importing electronic account statements

Are you using electronic end-of-day statements in the MT940 format? If so, you must decide whether you want to switch to the CAMT.053 format. If you use the intraday reporting in MT942 format, you can switch to the CAMT.052 format.

 

No more address details in CAMT.053

As of 10 December 2018 there is a change in the content of the CAMT.053 reporting format: for incoming SEPA credit transfers you no longer receive the payer's address and residence details. Privacy laws and regulations prohibit this. 

The consequences of this change for you
Do you have the automatic processing of incoming credit transfers in your (accounting) system set to address and residence details? Keep in mind that, as of 10 December 2018, that is no longer possible. 

Payment reference
We advise you to add a payment reference to your invoices. You can then set the automatic processing in your (accounting) system to this payment reference. You have several options for a payment reference: 

  • Your own payment reference
    You yourself decide how the payment reference is created. When the payer enters this reference when making a payment through Internet Banking or Mobile Banking no correctness check is done. In the CAMT.053 reporting format the payment reference is populated in the tag 'Unstructured Remittance Information'. 
  • The Dutch payment reference
    This payment reference has a fixed structure and a check digit. When the payer enters this reference when making a payment through Internet Banking or Mobile Banking a correctness check is performed. That prevents typing errors and simplifies the automatic processing in your (accounting) system. In the CAMT.053 reporting format a correct payment reference is populated in the tag 'Structured Remittance Information' and an incorrect payment reference in the tag 'Unstructured Remittance Information'. Read (in Dutch) the specifications of the Dutch payment reference
  • The ISO payment reference
    Also known as the Structured Creditor Reference, this widely used international payment reference has a fixed structure and check digit as well. The Dutch banks also check the correctness of this reference in case the payers enters it when making a payment through Internet Banking or Mobile Banking. In the CAMT.053 reporting format a correct payment reference is populated in the tag 'Structured Remittance Information' and an incorrect payment reference in the tag 'Unstructured Remittance Information'. Read (in Dutch) the specifications of the ISO payment reference.
 

Aggregation

SEPA batch transactions (salary payments, credit payments and direct debits) are standard reported to you as a single total (aggregated). Details of the individual transactions can be viewed in the CAMT.053 reporting format. The MT940 format does not contain this information.

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