Standards

Bank Services Billing - Maintenance 2018-2019

Standards MX

Message Definition Report Part 1

This document provides information about the use of the Bank Services Billing message.

February 2019
Message Definition Report Part 1 Table of Contents

Table of Contents
Table of Contents ...............................................................................................................................2
1 Introduction ...............................................................................................................................3
1.1 Terms and Definitions .............................................................................................................3
1.2 Abbreviations and Acronyms ..................................................................................................3
1.3 Document Scope and Objectives ............................................................................................3
1.4 References ..............................................................................................................................4
2 Scope and Functionality ..........................................................................................................5
2.1 Background .............................................................................................................................5
2.2 Scope ......................................................................................................................................5
2.3 Groups of MessageDefinitions and Functionality ...................................................................5
3 BusinessRoles and Participants.............................................................................................6
3.1 Participants and BusinessRoles Definitions............................................................................6
3.2 BusinessRoles and Participants Table ...................................................................................6
4 BusinessProcess Description.................................................................................................7
5 Description of BusinessActivities ..........................................................................................8
5.1 Bank Services Billing Statement .............................................................................................8
6 BusinessTransactions ...........................................................................................................12
6.1 Bank Services Billing Statement ...........................................................................................12
7 Business Examples ................................................................................................................13
7.1 camt.086.001.03 Bank Services Billing Statement ...............................................................13
Legal Notices ....................................................................................................................................36

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Message Definition Report Part 1 Introduction

1 Introduction
1.1 Terms and Definitions
The following terms are reserved words defined in ISO 20022 Edition 2013 – Part1. When used in this
document, the UpperCamelCase notation is followed.

Term Definition
BusinessRole Functional role played by a business actor in a particular
BusinessProcess or BusinessTransaction.
Participant Involvement of a BusinessRole in a BusinessTransaction.
BusinessProcess Definition of the business activities undertaken by BusinessRoles
within a BusinessArea whereby each BusinessProcess fulfils one
type of business activity and whereby a BusinessProcess may
include and extend other BusinessProcesses.
BusinessTransaction Particular solution that meets the communication requirements and
the interaction requirements of a particular BusinessProcess and
BusinessArea.
MessageDefinition Formal description of the structure of a message instance.

Note When a MessageDefinition or message identifier is specified, it should include the

variant and version number. However, in this document (except in the business
examples section, if present), variant and version numbers are not included. In
order to know the correct variant and version number for a MessageDefinition, the
related Message Definition Report Part 2 document should be consulted.

1.2 Abbreviations and Acronyms

The following is a list of abbreviations and acronyms used in the document.

Abbreviation/Acronyms Definition
BSB Bank Services Billing
FI Financial Institution
SLA Service Level Agreement
SMPG Securities Market Practice Group (www.smpg.info)
TWIST Transaction Workflow Innovation Standards Team
XML eXtensible Mark-up Language

1.3 Document Scope and Objectives

This document is the first part of the Bank Service Billing Message Definition Report (MDR) that
describes the BusinessTransactions and underlying message set. For the sake of completeness, the
document may also describe BusinessActivities that are not in the scope of the BusinessProcesses
covered in this document.
This document describes the following:
• the BusinessProcess scope
• the BusinessRoles involved in these BusinessProcesses

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Message Definition Report Part 1 Introduction

The main objectives of this document are as follows:

• to provide information about the messages that support the BusinessProcesses
• to explain the BusinessProcesses and BusinessActivities these messages have addressed
• to give a high level description of BusinessProcesses and the associated BusinessRoles
• to document the BusinessTransactions
• to provide business examples
The MessageDefinitions are specified in Message Definition Report Part 2.

1.4 References
Document Version Date Author
ISO 20022 Business Justification 2012-07-13 SWIFT
and
TWIST
ISO 20022 Bank Services Billing Message Version 9 2012-09- 24 TWIST
Usage Guideline
ISO 20022 Payments Maintenance 2018/2019 ISO 20022 2018-09-26 SWIFT
Maintenance Change Request document Submission
- 137 MCR

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Message Definition Report Part 1 Scope and Functionality

2 Scope and Functionality

2.1 Background
This Message Definition Report covers a set of one single MessageDefinition developed jointly by
TWIST and SWIFT and approved by the Payments Standards Evaluation Group (PaySEG) on 21st of
January 2019.

2.2 Scope
As described in the ISO 20022 Business Justification, the scope covers the following communication
flows:
This Bank Services Billing (BSB) is the result of the reverse engineering of an existing TWIST message
standard into ISO 20022. The TWIST standard was published in 2006 using the proprietary TWIST XML
syntax. A number of banks and others have implemented the standard. TWIST has continued to maintain
this standard since its initial release. The Bank Services Billing provides a standard means for banks to
periodically advise their wholesale clients of their use of bank services, and related fees and balances.
Electronic in form and generally delivered monthly, the Bank Services Billing provides a standard
representation of bank rendered services: transaction types, volumes and related services and the fees
associated with that activity. The Bank Services Billing is intended to be equally relevant for use
regardless of where bank accounts reside. By design, the Bank Service Billing is intended to cover the
EU, Singapore, USA, and other countries. It needs to be recognized however that bank billing and
related market practice is complex and diverse across multiple geographies.

2.3 Groups of MessageDefinitions and Functionality

Note The message is intended for use with the ISO 20022 Business Application Header
(head.001). The schema and more information about the Business Application
Header (BAH) can be found on the www.iso20022.org web site

2.3.1 Groups
This Bank Service Billing set includes one single message definition:

MessageDefinition Message Identifier

BankServicesBillingStatement camt.086

2.3.2 Functionality
See Message Definition Report Part 2 for the message scope and format.

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Message Definition Report Part 1 BusinessRoles and Participants

3 BusinessRoles and Participants

A BusinessRole represents an entity (or a class of entities) of the real world, physical or legal, a person,
a group of persons, a corporation. Examples of BusinessRoles: “Financial Institution”, “Automated
Clearing House”, “Central Securities Depository”.
A Participant is a functional role performed by a BusinessRole in a particular BusinessProcess or
BusinessTransaction. Examples of Participants: the “user” of a system, “debtor”, “creditor”, “investor”.
The relationship between BusinessRoles and Participants is many-to-many. One BusinessRole can be
involved as different Participants at different moments in time or at the same time. Examples of
BusinessRoles: "user", "debtor”, "creditor", "investor". Different BusinessRoles can be involved as the
same Participant.
In the context of bank services billing the high-level BusinessRoles and typical Participants can be
represented as follows:

3.1 Participants and BusinessRoles Definitions

Participants

Description Definition
Account Servicer Party that services the account.
Account Owner Party that hold an account at the financial institution

BusinessRoles

Description Definition
Financial Institution (FI) Bank or institution that initiates the statements contained within the
electronic message. The recipient of the message, the customer,
holds accounts at the FI. Note that the institution that physically
sends the XML message need not be the institution in which the
statement accounts reside, although in most cases they are the
same. The institution that is responsible for physically sending the
message is referred to as the “Sender” and is identified in the
Statement Header. The FI in which the accounts reside is termed
the “originating” or “domicile” FI and is identified in the
BankServiceBillingStatement message.
Customer Corporate, business or other entity that holds accounts at the FI.
The statements in the electronic message are based on the
accounts that the Customer maintains at the originating FI.

3.2 BusinessRoles and Participants Table

BusinessRole Participant Participant
Account Servicer Account Owner
Financial Institution (FI) X X
Customer X

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Message Definition Report Part 1 BusinessProcess Description

4 BusinessProcess Description
This diagram represents the high level BusinessProcesses.

Account
Management

Account Account
Servicer Owner

Bank Service
Billing

Bank Services Billing

Item Description
Definition The account servicer provides a standard representation of bank rendered
services: transaction types, volumes and related services and the fees
associated with that activity.
The Bank Services Billing is part of the overall Account Management
processes, which are described in the Account Management message set.
Trigger End of billing period has been reached
Pre-conditions Account servicer has provided a number of services during the billing period,
which need to be provided to the account owner.
Post- Bank services detailed billing is provided to the account owner.
conditions
Role Account servicer.

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Message Definition Report Part 1 Description of BusinessActivities

5 Description of BusinessActivities
This section presents the different BusinessActivities within each BusinessProcess. The
BusinessActivities of a process are described with activity diagrams.
Legend

Symbol Name Definition

Start Point Shows where the lifecycle of the business process
commences.
End Point Shows where the lifecycle of the business process
may ends.
Lozenge (or diamond) Indicates that a choice between several actions can
be made.
Bar Indicates that several actions are initiated in parallel.

5.1 Bank Services Billing Statement

5.1.1 Definitions
In order to introduce the business activities, a number of definition should be first laid out:
• Relationship: collection of accounts held by the Customer in a hierarchical arrangement at the FI.
For purposes of this document the lowest level accounts in a relationship are termed “Detail”
accounts. They are real deposit/current accounts for which services are performed and which
maintain deposit balances. The highest level account in a relationship is termed the “Summary”
account. Summary accounts may be real accounts or fictitious entities used solely for summary
reporting. By definition there can be only one Summary account in a relationship. Accounts that
reside above the Detail level and below the Summary level are termed “Intermediate” accounts.
Intermediate accounts may be real accounts or fictitious entities used solely for summary
reporting. The term “parent account” refers to any account above the detail level that has accounts
“rolling up” to it. By definition, Intermediate accounts and Summary accounts are both Parent
accounts.
• Billing Relationship: Relationship consisting of accounts which all have the same Settlement
Currency. This type of relationship hierarchy typically consists of a number of detail deposit/current
accounts which roll up to a billing relationship parent account. Charging typically occurs at the
billing relationship parent account. Note that multiple Billing Relationships could roll up and be
summarized at a higher relationship level. In this structure each of the Billing Relationships could
use a different Settlement Currency and reside in a different Tax Region.
• Account Balance Currency: Currency of the account held in the Deposit, source or feeder
application. The Account Balance currency code is carried in the Account Section.
• Settlement (Charge) Currency: Currency in which the billing relationship will be charged or settled.
It is viewed that all accounts within a billing relationship must have the same Settlement (charging)
Currency. For example, a direct-debit will be created by the system in this currency to collect
services charges from the specified customer account. The Settlement Currency code is carried in
the Account Section of the message.
• Service Pricing Currency: Currency used to price the service and in which services are
accumulated as part of the original transaction. The Service Pricing currency code is carried in the
Service Section of the message.
• Host Currency: Currency of the taxing authority to which the institution must pay taxes. Taxes are
converted from Service Pricing Currencies directly to this currency for calculating tax payments.

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Message Definition Report Part 1 Description of BusinessActivities

Tax payments are settled between the Financial Institution and the taxing authority in this
currency. The Total Tax Amount is then converted to the account’s Settlement (Charge) Currency
for collection from the customer. The Host currency code may be carried in the Account Section.
Additionally, the Host Currency code must be carried in the Tax Section for each Tax Region
contained in the Tax Section. A Summary account may settle taxes with multiple taxing authorities
(Tax Regions) if the total relationship contains multiple Billing Relationships.
• Tax Region: Designates a specific tax zone. Accounts are resident/domiciled in a tax region. Not
all services are taxable in every tax region. A service may have multiple tax rates in effect in a tax
region (e.g. National VAT, Local VAT, per transaction fee). The Tax Region code in which the
account is resident is carried in the Account Section. Tax Regions should also be reported in the
Service Section since a relationship summary account may contain services from many accounts
that reside in different Tax Regions. Tax Region must be reported in the Tax Section.
• Exclusive Tax: Represents the method of determining a tax by multiplying the tax rate against the
original cost of a good or service. For example, if a service is subject to VAT of 19.5% and costs
€10. The tax owed for the service is €1.95. The cost of a good or service is quoted exclusive of
tax. The BankServicesBillingStatement message has been designed with the assumption that all
bank service fees are quoted exclusive of tax.
• Inclusive Tax: Represents the method of stating the price of a good or service with the tax already
included in the stated price. The cost of a good or service is quoted inclusive of tax. This often
provides transparency for the user in terms of “total cost” of a good or service with the tax
included. (e.g. $1.30 inclusive of tax). If the cost of the good is $1, the tax component of the
service = $.30. The inclusive tax rate is 23% ((($1/$1.30) – 1) x100).
As previously mentioned, the BankServicesBillingStatement message has been designed with the
assumption that all bank service fees are quoted exclusive of tax.

5.1.2 Tax Calculations and Presentation Options

Depending upon which Tax Calculation method a financial institution has implemented various tax
related elements within a Service Section and Tax Section may or may not be represented in a
statement. The majority of billing applications calculate taxes based on one of four methods. These
methods are summarised below. Note that the particular method used in a statement should be identified
in the Account Section element Tax Calculation Method.
• Method A: Line-by-line per service tax calculation and settlement currency translation. The Tax
Section is used for Tax Region general information, registration and invoice numbers. Tax totals
should be transmitted in the Tax Section.
• Method B: Line-by-line per service tax calculation. The Tax Section is used for Tax Region general
information, registration and invoice numbers. Tax totals and settlement currency translation are
transmitted in the Tax Section.
• Method C: Group Tax Calculation, Group Settlement Translation. The complete Tax Section is
required.
• Method D: This simple method of calculation and display requires that all services use the same
Pricing currency so that the total tax is the simple sum of individual service taxes – all in the same
Pricing Currency. It is similar to methods A and B in that the individual service tax is calculated at
the individual line item service level.
The Tax Section is used for Tax Region general information, registration and invoice numbers. Tax totals
should be transmitted in the Tax Section.

5.1.3 Bank Service Billing activities

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Message Definition Report Part 1 Description of BusinessActivities

Account Owner Account Servicer

Collect services data

for billing

Apply tax
calculation method

Prepare Billing
Statement

Send Billing Reconcile

Statement Statement

Step Description Initiator

Collect services data for The account servicer collects all information Account Servicer
billing to the consolidated for the billing for the
period to prepare the billing statement for
the specific account.
Apply tax calculation method Based on the specific tax method required Account Servicer
for each specific service, the tax calculation
is performed.
Prepare billing statement The account owner prepares the billing Account Servicer

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Message Definition Report Part 1 Description of BusinessActivities

Step Description Initiator

statement, based on the information
collected per service, with the adequate tax
calculation applied to the service
Send billing statement Once ready, the account servicer forwards Account Servicer
the bank services billing statement to the
account owner
Reconcile statement The account owner reconciles the billing Account Owner
statement with the services rendered by the
account servicer

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Message Definition Report Part 1 BusinessTransactions

6 BusinessTransactions
This section describes the message flows based on the activity diagrams documented above. It shows
the typical exchanges of information in the context of a BusinessTransaction.

6.1 Bank Services Billing Statement

The BankServicesBillingStatement message involves a simple workflow, with the financial institution
initiating a push transmission to the recipient. No supplemental messaging related to status, resend,
acknowledgement, etc. was provided for this version of the specification. Message delivery
(communications protocols, security, handshaking, etc.) will occur by bilateral agreement between the
two parties.

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Message Definition Report Part 1 Business Examples

7 Business Examples
This section describes business examples of the use of the various MessageDefinitions.

7.1 camt.086.001.03 Bank Services Billing Statement

Description
This example of the Bank Services Billing Statement message for account number 666777 is designed to
illustrate the basic handling of balances, compensation values, services, taxes and currencies. It also
includes demographic and contact information. It is well formed and should be accepted by any receiving
system with no validation errors.
The application header contains only the minimum required elements. The statement section contains a
variety of data, both required and optional, for a single statement.
• The domicile bank is “Twist Bank” with BIC “TWIST409978”.
• The receiver is “ABC Corporation” with BIC “USINFRP”.
• The statement is for “Demonstration Account Method C” with bank account number “666777”
• The period ending date is May 31, 2003.
• The account does not use balances to pay fees. Therefore there is no earnings credit amount.

The demonstration account:

• Is designed to demonstrate Tax Calculation Method C where taxes are calculated on the sum of
the taxable service charges.
• The account uses two tax regions and Host currencies: GB2121234 Great Britain - GBP &
DKK123456 Denmark - DKK
• Four pricing currencies are used: GBP, DKK, EUR and USD.
• There are two taxes levied on the services taxed in Great Britain– a VAT tax and a City tax
• Taxable services are displayed in TaxRegion, ServiceDetail for each of the two tax regions.

Business Data

Element XML Tag Content

Sending Bank <Sndr><Nm> Twist Bank
Sending Bank ID <OrgId><AnyBic> TWIST409978
Receiver <Rcvr><Nm> ABC Corporation
Receiver ID <OrgId><AnyBic> USINFRP
Statement Ending Date <FrDt><ToDt> 2003-05-31
Account Number <Othr><Id> 666777
Account Name <Name> Demonstration Account Method C
Tax Method <Tax><ClctnMtd> Method C
Comp Method <CompstnMtd> Delayed Debit
Account Currency <AcctBalCcyCd> USD
Settlement Currency <SttlmCcyCd> GBP

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Message Definition Report Part 1 Business Examples

Element XML Tag Content

Host Currency <HstCcyCd> GBP
Currency Exchange <CcyXchng> GBP to USD at 1.8
Currency Exchange <CcyXchng> DKK to USD at 0.288
Ledger Balance-Avg Net “LBAN” 337,935.48 USD
Collected Balance-Avg Net “CBAN” 266,096.77 USD
Taxable Service Charges “TXSC” 235.60 GBP
Settle Charge Ttl-current Period “SCCP” 325.6 GBP
Service Charges Due Before Tax “SCBT” 325.60 GBP
Tax Total Sum “TXTS” 38.30 GBP
Tax Total Sum “TXTS” 68.94 USD
Charges & Taxes Due This Stmnt “CTND” 363.90 GBP
Non Balance Compensable “NBCS” 325.6 GBP
SVCs
Total Services <Svc> 7
Exempt Services “XMPT” 2
Taxable Services “TAXE” 5
Tax Region Number <TaxRgn><Rgnb> DKK123456
Tax Region Name <TaxRgn><Nm> Denmark
Taxes Per Service <TaxId> One - VAT tax
Tax Due to Region <TaxDueToRgn> 6.20 DKK
Tax Region Number <TaxRgn><Rgnb> GB2121234
Tax Region Name <TaxRgn><Nm> Great Britain
Taxes per service <TaxId> Two-Vat and City
Tax Due to Region <TaxDueToRgn> 37.31 GBP

Message Instance
<BkSvcsBllgStmt>
<RptHdr>
<RptId>Sample ISO BSB Billing Statement, C</RptId>
</RptHdr>
<BllgStmtGrp>
<GrpId>Group 1 of 1</GrpId>
<Sndr>
<Nm>TWIST BANK</Nm>
<LglNm>London Branch</LglNm>
<PstlAdr>
<AdrTp>
<Cd>BIZZ</Cd>
</AdrTp>
<Dept>Cash Management</Dept>

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Message Definition Report Part 1 Business Examples

<SubDept>Billing</SubDept>
<StrtNm>123 First Street</StrtNm>
<BldgNb>CMBL</BldgNb>
<BldgNm>Ramsey House</BldgNm>
<Flr>14</Flr>
<PstBx>11111-2222</PstBx>
<Room>1408</Room>
<PstCd>0987-1234567890</PstCd>
<TwnNm>London</TwnNm>
<CtrySubDvsn>England</CtrySubDvsn>
<Ctry>GB</Ctry>
<AdrLine>123 First Street</AdrLine>
<AdrLine>London TW1 St</AdrLine>
<AdrLine>United Kingdom</AdrLine>
<AdrLine>Northern Hemisphere</AdrLine>
<AdrLine>Earth</AdrLine>
</PstlAdr>
<Id>
<OrgId>
<AnyBIC>MIKEUSB0</AnyBIC>
</OrgId>
</Id>
</Sndr>
<SndrIndvCtct>
<NmPrfx>MIST</NmPrfx>
<Nm>Ronald Ramsey</Nm>
<PhneNb>+144-207-555-1234</PhneNb>
<MobNb>+144-207-987-5432</MobNb>
<FaxNb>+144-207-555-4321</FaxNb>
<EmailAdr>info@twiststandards.org</EmailAdr>
<Othr>
<ChanlTp>AIM</ChanlTp>
<Id>glaxine@rosamund.com</Id>
</Othr>
<PrefrdMtd>MAIL</PrefrdMtd>
</SndrIndvCtct>
<Rcvr>
<Nm>ABC Corporation</Nm>
<LglNm>Corporate Headquarters</LglNm>

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Message Definition Report Part 1 Business Examples

<PstlAdr>
<AdrTp>
<Cd>BIZZ</Cd>
</AdrTp>
<Dept>Accounting</Dept>
<SubDept>Billing</SubDept>
<StrtNm>74 High Road</StrtNm>
<BldgNb>Building 3</BldgNb>
<BldgNm>International Custom House</BldgNm>
<Flr>25</Flr>
<PstBx>AB1 2CD</PstBx>
<Room>Room 214A</Room>
<PstCd>PO 12345-1234</PstCd>
<TwnNm>London</TwnNm>
<CtrySubDvsn>England</CtrySubDvsn>
<Ctry>GB</Ctry>
<AdrLine>International Computer House</AdrLine>
<AdrLine>74 High Road</AdrLine>
<AdrLine>LONDON AB1 2CD</AdrLine>
<AdrLine>United Kingdom</AdrLine>
<AdrLine>Europe</AdrLine>
</PstlAdr>
<Id>
<OrgId>
<AnyBIC>OSIBSBB0</AnyBIC>
</OrgId>
</Id>
</Rcvr>
<RcvrIndvCtct>
<NmPrfx>MIST</NmPrfx>
<Nm>James Johnson</Nm>
<PhneNb>+144-220-232-1234</PhneNb>
<MobNb>+144-220-687-5432</MobNb>
<FaxNb>+144-220-909-4321</FaxNb>
<EmailAdr>j.johnson@twiststandards.org</EmailAdr>
<Othr>
<ChanlTp>AIM</ChanlTp>
<Id>robocall@btyebit.com</Id>
</Othr>

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Message Definition Report Part 1 Business Examples

<PrefrdMtd>MAIL</PrefrdMtd>
</RcvrIndvCtct>
<BllgStmt>
<StmtId>Billing statement for acct D-666777</StmtId>
<FrToDt>
<FrDt>2003-05-01</FrDt>
<ToDt>2003-05-31</ToDt>
</FrToDt>
<CreDtTm>2003-05-31T08:35:30</CreDtTm>
<Sts>ORGN</Sts>
<AcctChrtcs>
<AcctLvl>DETL</AcctLvl>
<CshAcct>
<Id>
<Othr>
<Id>666777</Id>
<Issr>Twist Bank</Issr>
</Othr>
</Id>
<Tp>
<Cd>SACC</Cd>
</Tp>
<Nm>Demonstration Account Method C</Nm>
</CshAcct>
<AcctSvcr>
<FinInstnId>
<BICFI>ISOBSBD0</BICFI>
</FinInstnId>
</AcctSvcr>
<CompstnMtd>DDBT</CompstnMtd>
<DbtAcct>
<Othr>
<Id>333222111</Id>
<Issr>Twist Bank</Issr>
</Othr>
</DbtAcct>
<DelydDbtDt>2003-06-15</DelydDbtDt>
<SttlmAdvc>Account 12344321 will be automatically debited for charges due on
2003-06-15</SttlmAdvc>

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Message Definition Report Part 1 Business Examples

<AcctBalCcyCd>USD</AcctBalCcyCd>
<SttlmCcyCd>GBP</SttlmCcyCd>
<HstCcyCd>GBP</HstCcyCd>
<Tax>
<ClctnMtd>MTDC</ClctnMtd>
<Rgn>GB2121234</Rgn>
<NonResCtry>
<Ctry>GB</Ctry>
</NonResCtry>
</Tax>
<AcctSvcrCtct>
<Nm>Joe Pedestrian</Nm>
</AcctSvcrCtct>
</AcctChrtcs>
<RateData>
<Id>
<Cd>WFG</Cd>
</Id>
<Val>1.456</Val>
<DaysInPrd>30</DaysInPrd>
<DaysInYr>365</DaysInYr>
</RateData>
<CcyXchg>
<SrcCcy>DKK</SrcCcy>
<TrgtCcy>GBP</TrgtCcy>
<XchgRate>0.16</XchgRate>
<Desc>Denmark Kroner to Pound Sterling</Desc>
<UnitCcy>GBP</UnitCcy>
<Cmnts>Denmark Host to Settlement currency translation</Cmnts>
<QtnDt>2003-06-01T09:00:00</QtnDt>
</CcyXchg>
<CcyXchg>
<SrcCcy>EUR</SrcCcy>
<TrgtCcy>DKK</TrgtCcy>
<XchgRate>4.2</XchgRate>
<Desc>Euro to Denmark Kroner</Desc>
<UnitCcy>DKK</UnitCcy>
<Cmnts>Euro Price to Denmark Host</Cmnts>
<QtnDt>2003-06-01T09:00:00</QtnDt>

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Message Definition Report Part 1 Business Examples

</CcyXchg>
<CcyXchg>
<SrcCcy>EUR</SrcCcy>
<TrgtCcy>GBP</TrgtCcy>
<XchgRate>0.66</XchgRate>
<Desc>Euro to Pounds Sterling</Desc>
<UnitCcy>GBP</UnitCcy>
<Cmnts>Euro Price to Pound Sterling Settle</Cmnts>
<QtnDt>2003-06-01T09:00:00</QtnDt>
</CcyXchg>
<CcyXchg>
<SrcCcy>GBP</SrcCcy>
<TrgtCcy>USD</TrgtCcy>
<XchgRate>1.8</XchgRate>
<Desc>Pounds Sterling to USD</Desc>
<UnitCcy>USD</UnitCcy>
<Cmnts>GBP Settle to USA Balance</Cmnts>
<QtnDt>2003-06-01T09:00:00</QtnDt>
</CcyXchg>
<CcyXchg>
<SrcCcy>DKK</SrcCcy>
<TrgtCcy>USD</TrgtCcy>
<XchgRate>0.288</XchgRate>
<Desc>Denmark Kroner to USD</Desc>
<UnitCcy>USD</UnitCcy>
<Cmnts>Denmark Host to USA Balance</Cmnts>
<QtnDt>2003-06-01T09:00:00</QtnDt>
</CcyXchg>
<Bal>
<Tp>
<Cd>LBNM</Cd>
</Tp>
<Val>
<Amt Ccy="USD">337935.48</Amt>
<Sgn>true</Sgn>
</Val>
<CcyTp>ACCT</CcyTp>
</Bal>
<Bal>

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Message Definition Report Part 1 Business Examples

<Tp>
<Cd>CBAN</Cd>
</Tp>
<Val>
<Amt Ccy="USD">266096.77</Amt>
<Sgn>true</Sgn>
</Val>
<CcyTp>ACCT</CcyTp>
</Bal>
<Compstn>
<Tp>
<Cd>TXSC</Cd>
</Tp>
<Val>
<Amt Ccy="GBP">235.60</Amt>
<Sgn>true</Sgn>
</Val>
<CcyTp>STLM</CcyTp>
</Compstn>
<Compstn>
<Tp>
<Cd>SCCP</Cd>
</Tp>
<Val>
<Amt Ccy="GBP">325.6</Amt>
<Sgn>true</Sgn>
</Val>
<CcyTp>STLM</CcyTp>
</Compstn>
<Compstn>
<Tp>
<Cd>SCBT</Cd>
</Tp>
<Val>
<Amt Ccy="GBP">325.60</Amt>
<Sgn>true</Sgn>
</Val>
<CcyTp>STLM</CcyTp>
</Compstn>

Bank Services Billing November 2019 20 February 2019

Message Definition Report Part 1 Business Examples

<Compstn>
<Tp>
<Cd>TXTS</Cd>
</Tp>
<Val>
<Amt Ccy="GBP">38.30</Amt>
<Sgn>true</Sgn>
</Val>
<CcyTp>STLM</CcyTp>
</Compstn>
<Compstn>
<Tp>
<Cd>TXTS</Cd>
</Tp>
<Val>
<Amt Ccy="USD">68.94</Amt>
<Sgn>true</Sgn>
</Val>
<CcyTp>STLM</CcyTp>
</Compstn>
<Compstn>
<Tp>
<Cd>CTND</Cd>
</Tp>
<Val>
<Amt Ccy="GBP">363.90</Amt>
<Sgn>true</Sgn>
</Val>
<CcyTp>STLM</CcyTp>
</Compstn>
<Compstn>
<Tp>
<Cd>NBCS</Cd>
</Tp>
<Val>
<Amt Ccy="GBP">325.6</Amt>
<Sgn>true</Sgn>
</Val>
<CcyTp>STLM</CcyTp>

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Message Definition Report Part 1 Business Examples

</Compstn>
<Svc>
<SvcDtl>
<BkSvc>
<Id>NY12345</Id>
<SubSvc>
<Issr>
<Cd>STOR</Cd>
</Issr>
<Id>100000</Id>
</SubSvc>
<Desc>GENERAL SRVS</Desc>
</BkSvc>
<Vol>1</Vol>
</SvcDtl>
<Pric>
<Ccy>GBP</Ccy>
<UnitPric>
<Amt Ccy="GBP">150.000000</Amt>
<Sgn>true</Sgn>
</UnitPric>
<Mtd>UPRC</Mtd>
</Pric>
<PmtMtd>INVS</PmtMtd>
<OrgnlChrgPric>
<Amt Ccy="GBP">150.00</Amt>
<Sgn>true</Sgn>
</OrgnlChrgPric>
<OrgnlChrgSttlmAmt>
<Amt Ccy="GBP">150.00</Amt>
<Sgn>true</Sgn>
</OrgnlChrgSttlmAmt>
<TaxDsgnt>
<Cd>TAXE</Cd>
<Rgn>GB2121234</Rgn>
<TaxRsn>
<Cd>RSN990</Cd>
<Expltn>Always taxed in this region</Expltn>
</TaxRsn>

Bank Services Billing November 2019 22 February 2019

Message Definition Report Part 1 Business Examples

</TaxDsgnt>
</Svc>
<Svc>
<SvcDtl>
<BkSvc>
<Id>0110</Id>
<Desc>Maintenance Fee</Desc>
<SvcTp>GENERAL SRVS</SvcTp>
</BkSvc>
<Vol>1</Vol>
</SvcDtl>
<Pric>
<Ccy>GBP</Ccy>
<UnitPric>
<Amt Ccy="GBP">27.000000</Amt>
<Sgn>true</Sgn>
</UnitPric>
<Mtd>UPRC</Mtd>
</Pric>
<PmtMtd>INVS</PmtMtd>
<OrgnlChrgPric>
<Amt Ccy="GBP">27.00</Amt>
<Sgn>true</Sgn>
</OrgnlChrgPric>
<OrgnlChrgSttlmAmt>
<Amt Ccy="GBP">27.00</Amt>
<Sgn>true</Sgn>
</OrgnlChrgSttlmAmt>
<TaxDsgnt>
<Cd>TAXE</Cd>
<Rgn>GB2121234</Rgn>
</TaxDsgnt>
</Svc>
<Svc>
<SvcDtl>
<BkSvc>
<Id>0330</Id>
<Desc>Wire Transfer</Desc>
<CmonCd>

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Message Definition Report Part 1 Business Examples

<Issr>AFP</Issr>
<Id>350300</Id>
</CmonCd>
<SvcTp>WIRE SRVS</SvcTp>
</BkSvc>
<Vol>1</Vol>
</SvcDtl>
<Pric>
<Ccy>DKK</Ccy>
<UnitPric>
<Amt Ccy="DKK">40.000000</Amt>
<Sgn>true</Sgn>
</UnitPric>
<Mtd>UPRC</Mtd>
<Rule>Large WTO</Rule>
</Pric>
<PmtMtd>INVS</PmtMtd>
<OrgnlChrgPric>
<Amt Ccy="DKK">40.00</Amt>
<Sgn>true</Sgn>
</OrgnlChrgPric>
<OrgnlChrgSttlmAmt>
<Amt Ccy="GBP">6.4</Amt>
<Sgn>true</Sgn>
</OrgnlChrgSttlmAmt>
<TaxDsgnt>
<Cd>TAXE</Cd>
<Rgn>DKK123456</Rgn>
</TaxDsgnt>
</Svc>
<Svc>
<SvcDtl>
<BkSvc>
<Id>0003</Id>
<Desc>Checks</Desc>
<CmonCd>
<Issr>AFP</Issr>
<Id>100220</Id>
</CmonCd>

Bank Services Billing November 2019 24 February 2019

Message Definition Report Part 1 Business Examples

<SvcTp>DEBIT SRVS</SvcTp>
</BkSvc>
<Vol>1000</Vol>
</SvcDtl>
<Pric>
<Ccy>GBP</Ccy>
<UnitPric>
<Amt Ccy="GBP">.085000</Amt>
<Sgn>true</Sgn>
</UnitPric>
<Mtd>UPRC</Mtd>
<Rule>Large WTO</Rule>
</Pric>
<PmtMtd>INVS</PmtMtd>
<OrgnlChrgPric>
<Amt Ccy="GBP">85.00</Amt>
<Sgn>true</Sgn>
</OrgnlChrgPric>
<OrgnlChrgSttlmAmt>
<Amt Ccy="GBP">85.00</Amt>
<Sgn>true</Sgn>
</OrgnlChrgSttlmAmt>
<TaxDsgnt>
<Cd>TAXE</Cd>
<Rgn>GB2121234</Rgn>
</TaxDsgnt>
</Svc>
<Svc>
<SvcDtl>
<BkSvc>
<Id>101021</Id>
<Desc>GENERAL SRVS</Desc>
</BkSvc>
<Vol>1</Vol>
</SvcDtl>
<Pric>
<Ccy>EUR</Ccy>
<UnitPric>
<Amt Ccy="EUR">20.000000</Amt>

Bank Services Billing November 2019 25 February 2019

Message Definition Report Part 1 Business Examples

<Sgn>true</Sgn>
</UnitPric>
<Mtd>DPRC</Mtd>
</Pric>
<PmtMtd>BCMP</PmtMtd>
<OrgnlChrgPric>
<Amt Ccy="DKK">20.00</Amt>
<Sgn>true</Sgn>
</OrgnlChrgPric>
<OrgnlChrgSttlmAmt>
<Amt Ccy="GBP">13.2</Amt>
<Sgn>true</Sgn>
</OrgnlChrgSttlmAmt>
<BalReqrdAcctAmt>
<Amt Ccy="GBP">2500.34</Amt>
<Sgn>true</Sgn>
</BalReqrdAcctAmt>
<TaxDsgnt>
<Cd>TAXE</Cd>
<Rgn>DKK123456</Rgn>
</TaxDsgnt>
</Svc>
<Svc>
<SvcDtl>
<BkSvc>
<Id>101060</Id>
<Desc>Snapshot Statement</Desc>
<CmonCd>
<Issr>AFP</Issr>
<Id>100000</Id>
</CmonCd>
</BkSvc>
<Vol>3</Vol>
</SvcDtl>
<Pric>
<Ccy>GBP</Ccy>
<UnitPric>
<Amt Ccy="GBP">13.000000</Amt>
<Sgn>true</Sgn>

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Message Definition Report Part 1 Business Examples

</UnitPric>
<Mtd>UPRC</Mtd>
</Pric>
<PmtMtd>PVCH</PmtMtd>
<OrgnlChrgPric>
<Amt Ccy="GBP">39.00</Amt>
<Sgn>true</Sgn>
</OrgnlChrgPric>
<OrgnlChrgSttlmAmt>
<Amt Ccy="GBP">39.00</Amt>
<Sgn>true</Sgn>
</OrgnlChrgSttlmAmt>
<TaxDsgnt>
<Cd>XMPT</Cd>
</TaxDsgnt>
</Svc>
<Svc>
<SvcDtl>
<BkSvc>
<Id>101101</Id>
<Desc>Bank Originated Debit</Desc>
<CmonCd>
<Issr>AFP</Issr>
<Id>100000</Id>
</CmonCd>
</BkSvc>
<Vol>1</Vol>
</SvcDtl>
<Pric>
<Ccy>GBP</Ccy>
<UnitPric>
<Amt Ccy="GBP">1.230000</Amt>
<Sgn>true</Sgn>
</UnitPric>
<Mtd>UPRC</Mtd>
</Pric>
<PmtMtd>BCMP</PmtMtd>
<OrgnlChrgPric>
<Amt Ccy="GBP">1.23</Amt>

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Message Definition Report Part 1 Business Examples

<Sgn>true</Sgn>
</OrgnlChrgPric>
<OrgnlChrgSttlmAmt>
<Amt Ccy="GBP">1.23</Amt>
<Sgn>true</Sgn>
</OrgnlChrgSttlmAmt>
<TaxDsgnt>
<Cd>XMPT</Cd>
</TaxDsgnt>
</Svc>
<TaxRgn>
<RgnNb>DKK123456</RgnNb>
<RgnNm>Denmark</RgnNm>
<CstmrTaxId>989812222324590</CstmrTaxId>
<PtDt>2007-06-30</PtDt>
<SndgFI>
<VATRegnNb>DK111222333</VATRegnNb>
<TaxRegnNb>DKVAT-099</TaxRegnNb>
<TaxCtct>
<NmPrfx>MIST</NmPrfx>
<Nm>Bjorn Bigsby</Nm>
<PhneNb>+140-207-333-4444</PhneNb>
<MobNb>+140-207-333-5555</MobNb>
<FaxNb>+140-207-098-7654</FaxNb>
<EmailAdr>BJB@SWIFT.com</EmailAdr>
<Othr>
<ChanlTp>MAIL</ChanlTp>
<Id>sjw.gamil.com</Id>
</Othr>
<PrefrdMtd>MAIL</PrefrdMtd>
</TaxCtct>
</SndgFI>
<InvcNb>DKNOT-12114</InvcNb>
<MtdC>
<SvcDtl>
<BkSvc>
<Id>0330</Id>
<Desc>Wire Transfer</Desc>
</BkSvc>

Bank Services Billing November 2019 28 February 2019

Message Definition Report Part 1 Business Examples

<Vol>1</Vol>
<UnitPric>
<Amt Ccy="DKK">40.00</Amt>
<Sgn>true</Sgn>
</UnitPric>
<SvcChrgAmt>
<Amt Ccy="DKK">40.00</Amt>
<Sgn>true</Sgn>
</SvcChrgAmt>
</SvcDtl>
<SvcDtl>
<BkSvc>
<Id>101021</Id>
<Desc>Account Maintenance</Desc>
</BkSvc>
<Vol>1</Vol>
<UnitPric>
<Amt Ccy="EUR">20.00</Amt>
<Sgn>true</Sgn>
</UnitPric>
<SvcChrgAmt>
<Amt Ccy="EUR">20.00</Amt>
<Sgn>true</Sgn>
</SvcChrgAmt>
</SvcDtl>
<TaxClctn>
<HstCcy>DKK</HstCcy>
<TaxblSvcChrgConvs>
<SrcAmt>
<Amt Ccy="DKK">40.00</Amt>
<Sgn>true</Sgn>
</SrcAmt>
<HstAmt>
<Amt Ccy="DKK">40.00</Amt>
<Sgn>true</Sgn>
</HstAmt>
</TaxblSvcChrgConvs>
<TaxblSvcChrgConvs>
<SrcAmt>

Bank Services Billing November 2019 29 February 2019

Message Definition Report Part 1 Business Examples

<Amt Ccy="EUR">20.00</Amt>
<Sgn>true</Sgn>
</SrcAmt>
<HstAmt>
<Amt Ccy="DKK">84.00</Amt>
<Sgn>true</Sgn>
</HstAmt>
</TaxblSvcChrgConvs>
<TtlTaxblSvcChrgHstAmt>
<Amt Ccy="DKK">124.00</Amt>
<Sgn>true</Sgn>
</TtlTaxblSvcChrgHstAmt>
<TaxId>
<Nb>DENVAT213243</Nb>
<Desc>Denmark VAT Tax</Desc>
<Rate>0.05</Rate>
<TtlTaxAmt>
<Amt Ccy="DKK">6.20</Amt>
<Sgn>true</Sgn>
</TtlTaxAmt>
</TaxId>
<TtlTax>
<Amt Ccy="DKK">6.20</Amt>
<Sgn>true</Sgn>
</TtlTax>
</TaxClctn>
</MtdC>
<SttlmAmt>
<Amt Ccy="GBP">0.99</Amt>
<Sgn>true</Sgn>
</SttlmAmt>
<TaxDueToRgn>
<Amt Ccy="DKK">6.20</Amt>
<Sgn>true</Sgn>
</TaxDueToRgn>
</TaxRgn>
<TaxRgn>
<RgnNb>GB2121234</RgnNb>
<RgnNm>Great Britain</RgnNm>

Bank Services Billing November 2019 30 February 2019

Message Definition Report Part 1 Business Examples

<CstmrTaxId>CUSNUMOVERRIDE</CstmrTaxId>
<PtDt>2007-06-30</PtDt>
<SndgFI>
<VATRegnNb>GB-879009</VATRegnNb>
<TaxRegnNb>INV#4455GB</TaxRegnNb>
<TaxCtct>
<Nm>Reginald Dentin</Nm>
<PhneNb>+144-289-123-4567</PhneNb>
<MobNb>+144-289-321-7654</MobNb>
<FaxNb>+144-289-123-4599</FaxNb>
<EmailAdr>reginald.dentin@twistbank.org</EmailAdr>
<PrefrdMtd>MAIL</PrefrdMtd>
</TaxCtct>
</SndgFI>
<InvcNb>INV#4455GB</InvcNb>
<MtdC>
<SvcDtl>
<BkSvc>
<Id>0004</Id>
<Desc>Deposits</Desc>
</BkSvc>
<Vol>1</Vol>
<UnitPric>
<Amt Ccy="GBP">150.00</Amt>
<Sgn>true</Sgn>
</UnitPric>
<SvcChrgAmt>
<Amt Ccy="GBP">150.00</Amt>
<Sgn>true</Sgn>
</SvcChrgAmt>
</SvcDtl>
<SvcDtl>
<BkSvc>
<Id>0110</Id>
<Desc>Maintenance Fee</Desc>
</BkSvc>
<Vol>1</Vol>
<UnitPric>
<Amt Ccy="GBP">27.00</Amt>

Bank Services Billing November 2019 31 February 2019

Message Definition Report Part 1 Business Examples

<Sgn>true</Sgn>
</UnitPric>
<SvcChrgAmt>
<Amt Ccy="GBP">27.00</Amt>
<Sgn>true</Sgn>
</SvcChrgAmt>
</SvcDtl>
<SvcDtl>
<BkSvc>
<Id>0003</Id>
<Desc>Checks</Desc>
</BkSvc>
<Vol>1000</Vol>
<UnitPric>
<Amt Ccy="GBP">0.085</Amt>
<Sgn>true</Sgn>
</UnitPric>
<SvcChrgAmt>
<Amt Ccy="GBP">85.00</Amt>
<Sgn>true</Sgn>
</SvcChrgAmt>
</SvcDtl>
<TaxClctn>
<HstCcy>GBP</HstCcy>
<TaxblSvcChrgConvs>
<SrcAmt>
<Amt Ccy="GBP">191.32</Amt>
<Sgn>true</Sgn>
</SrcAmt>
<HstAmt>
<Amt Ccy="GBP">191.32</Amt>
<Sgn>true</Sgn>
</HstAmt>
</TaxblSvcChrgConvs>
<TtlTaxblSvcChrgHstAmt>
<Amt Ccy="GBP">191.32</Amt>
<Sgn>true</Sgn>
</TtlTaxblSvcChrgHstAmt>
<TaxId>

Bank Services Billing November 2019 32 February 2019

Message Definition Report Part 1 Business Examples

<Nb>GBVAT</Nb>
<Desc>United Kingdom VAT</Desc>
<Rate>0.1750000000</Rate>
<TtlTaxAmt>
<Amt Ccy="GBP">33.48</Amt>
<Sgn>true</Sgn>
</TtlTaxAmt>
</TaxId>
<TaxId>
<Nb>LCTYGBVAT</Nb>
<Desc>London City Tax</Desc>
<Rate>0.02</Rate>
<TtlTaxAmt>
<Amt Ccy="GBP">3.83</Amt>
<Sgn>true</Sgn>
</TtlTaxAmt>
</TaxId>
<TtlTax>
<Amt Ccy="GBP">37.31</Amt>
<Sgn>true</Sgn>
</TtlTax>
</TaxClctn>
</MtdC>
<SttlmAmt>
<Amt Ccy="GBP">37.31</Amt>
<Sgn>true</Sgn>
</SttlmAmt>
<TaxDueToRgn>
<Amt Ccy="GBP">37.31</Amt>
<Sgn>true</Sgn>
</TaxDueToRgn>
</TaxRgn>
<BalAdjstmnt>
<Tp>FLOT</Tp>
<Desc>Adjustment</Desc>
<BalAmt>
<Amt Ccy="GBP">234.56</Amt>
<Sgn>false</Sgn>
</BalAmt>

Bank Services Billing November 2019 33 February 2019

Message Definition Report Part 1 Business Examples

<ErrDt>2003-05-15</ErrDt>
<PstngDt>2003-06-02</PstngDt>
<Days>18</Days>
<EarngsAdjstmntAmt>
<Amt Ccy="GBP">12.34</Amt>
<Sgn>false</Sgn>
</EarngsAdjstmntAmt>
</BalAdjstmnt>
<SvcAdjstmnt>
<Tp>COMP</Tp>
<Desc>Error Correction</Desc>
<Amt>
<Amt Ccy="GBP">43.21</Amt>
<Sgn>true</Sgn>
</Amt>
<BalReqrdAmt>
<Amt Ccy="GBP">1.02</Amt>
<Sgn>true</Sgn>
</BalReqrdAmt>
<ErrDt>2003-05-31</ErrDt>
<AdjstmntId>0004</AdjstmntId>
<SubSvc>
<Issr>
<Cd>STOR</Cd>
</Issr>
<Id>NY12345</Id>
</SubSvc>
<PricChng>
<Amt Ccy="GBP">10</Amt>
<Sgn>true</Sgn>
</PricChng>
<OrgnlPric>
<Amt Ccy="GBP">20</Amt>
<Sgn>true</Sgn>
</OrgnlPric>
<NewPric>
<Amt Ccy="GBP">30</Amt>
<Sgn>true</Sgn>
</NewPric>

Bank Services Billing November 2019 34 February 2019

Message Definition Report Part 1 Business Examples

<VolChng>20</VolChng>
<OrgnlVol>5</OrgnlVol>
<NewVol>25</NewVol>
<OrgnlChrgAmt>
<Amt Ccy="GBP">100</Amt>
<Sgn>true</Sgn>
</OrgnlChrgAmt>
<NewChrgAmt>
<Amt Ccy="GBP">750</Amt>
<Sgn>true</Sgn>
</NewChrgAmt>
</SvcAdjstmnt>
</BllgStmt>
</BllgStmtGrp>
</BkSvcsBllgStmt>

Bank Services Billing November 2019 35 February 2019

Message Definition Report Part 1 Legal Notices

Legal Notices
Copyright
SWIFT © 2019. All rights reserved.

Disclaimer
The information in this publication may change from time to time. You must always refer to the latest available
version.

SWIFT Standards Intellectual Property Rights (IPR) Policy - End-User License Agreement
SWIFT Standards are licensed subject to the terms and conditions of the SWIFT Standards IPR Policy - End-User
License Agreement, available at www.swift.com > About Us > Legal > IPR Policies > SWIFT Standards IPR Policy.

Translations
The English version of SWIFT documentation is the only official and binding version.

Trademarks
SWIFT is the trade name of S.W.I.F.T. SCRL. The following are registered trademarks of SWIFT: 3SKey, Innotribe,
MyStandards, Sibos, SWIFT, SWIFTNet, SWIFT Institute, the Standards Forum logo, the SWIFT logo and UETR.
Other product, service, or company names in this publication are trade names, trademarks, or registered trademarks
of their respective owners.

Bank Services Billing November 2019 36 February 2019