Description of the CSV and MT940 File Format (v.2)
Description of the SWIFT MT940 Statement Format for Expobank CZ a.s.
Version 2
In the Multicash application, the statement file is saved as BwmdaXXX.sta in the MCCWIN sub-folder after the user connects to the Bank. One file contains a cumulative set of all account statements for days when the user did not connect to the Bank. XXX is a unique file identifier. The ExpoBusiness Direct service allows the user to save files in the standard manner using anInternet browser.
To improve information content, the Bank reserves the right to add other fields to the statement structure or the :86: field without prior notice. In such a case, the format of existing fields will remain unchanged.
The statement file uses the Latin2 - CP852 code page.
Every line in this file endswith CR+LF (‘\r\n’; 0x0D0A).
The file may contain information that is unrelated to statements. Kindly ignore this information when using the file. Statements begin and end with the :20: and :62F: fields, respectively.
Statement Page Header
{1:F01SOLACZPPAXXX0000000000}{2:I940SOLACZPPXXXXN}{3:{108:PRG130107XXXXXX}}{4:
Explanation:
{1:F01SOLACZPPConstant basic header block; SOLACZPP = S.W.I.F.T. code of the bank
Attention: SWIFT bank address „EXPNCZPP“ will be used on statement header starting 1.1.2016. For entering of foreign payment orders please use new one code „EXPNCZPP“ already now.
{2:I940Constant application header block; 940 = Message type – statement
{3:User block reserved for the Bank's internal needs
{4:Constant text block
(Statement page block)
-}End of text block (statement page)
Statement Page Block Structure
Field formatv – variable (the field may be shorter than the max. length); f – fixed
a – alphanumeric; n – numeric
Data formatYY – year without century; MM – month; DD – day
Field / Format / Description:20: / 16va / Bank statement reference
:25: / 22va
Subfield:
11va
1fa
10fa / SWIFT/Client account number
SWIFT code of the bank
Separator "/“ – slash
Client account number
:28C: / 11fa
Subfield:
5fn
1fa
5fn / Statement number/page number
Statement number
Separator "/“ – slash
Page number
:60x: / 25va
Subfield:
1fa
6fn (YYMMDD)
3fa
12,2vn / x = F – starting balance; M – interim balance
C – credit; D – debit
Booking Date
ISO currency code of the account currency
Amount– 12vn + 2fn with a decimal comma
:61: / 66va
Subfield:
6fn (YYMMDD)
4fn (MMDD)
2va
1fa
12,2vn
4fa
16va
2fa
16va / Transaction line
Value date
Booking Date
C – credit; RC – canceled credit; D – debit; RD – canceled debit
Last character of the ISO currency code (K for CZK)
Transaction value – 12vn + 2fn with a decimal comma
Transaction type code in the "NXXX“ format; XXX is the transaction type code
Client reference; "NONREF“ is displayed if there are no references
Separator "//“ – two slashes
Bank reference
:86: / Description of the structure of the individual types below / Structured based on transaction details
:62x: / 25va
Subfield:
1fa
6fn (YYMMDD)
3fa
12,2vn / x = F – closing balance; M – interim balance
C – credit; D – debit
Booking Date
ISO currency code of the account currency
Amount– 12vn + 2fn with a decimal comma
The :61: and :86: fields are repeated consecutively for every transaction on a page.
Structure of Field :86: as per Transaction Type
The subfield is excluded if it contains no value.
Domestic Transactions
Subfield / Format / Description3fn / Domestic transaction code type – "101"
?00 / 27va / Transaction type text
?20 / 35va / Transaction description text 1/3
?21 / 35va / Transaction description text 2/3
?22 / 35va / Transaction description text 3/3
?23 / 35va
Format:
23va
2fa
10vn / Variable symbol
Text description
Separator ": " – colon and space
Variable symbol (if not stated, the value is "0")
?24 / 35va
Format:
23va
2fa
10vn / Specific symbol
Text description
Separator ": " – colon and space
Specific symbol (if not stated, the value is "0")
?25 / 35va
Format:
23va
2fa
10vn / Constant symbol (CS)
Text description
Separator ": " – colon and space
Constant symbol (if not stated, the value is "0")
?26 / 35va / Message for the beneficiary 1/4
?27 / 35va / Message for the beneficiary 2/4
?28 / 35va / Message for the beneficiary 3/4
?29 / 35va / Message for the beneficiary 4/4
?30 / 4fn / Counterparty bank code
?32 / 27va / Counterparty account name
?33 / 17fa
Format:
6fn
1fa
10fn / Counterparty account number
Account prefix
Separator „-„ – dash
Account number
Example of field:86: in a domestic transaction:
:86:101?00Domestic transaction
?20Domestic payment electronically
?23VS: 7310211346
?24SS: 5555
?25KS: 0
?26Gift
?27Petr
?304000
?32John Smith
?33123456-1234567890
Foreign Transactions
Subfield / Format / Description3fn / Foreign transaction code type – "201"
?00 / 27va / Transaction type text
?20 / 35va / Transaction description text 1/3
?21 / 35va / Transaction description text 2/3
?22 / 35va / Transaction description text 3/3
?23 / 35va
Format:
25va
2fa
3,4vn / Exchange rate
Text description
Separator ": " – colon and space
Exchange rate – 3vn + 4fn with a decimal comma
?24 / 35va
Format:
30va
2fa
3fa / Fee detail
Text description
Separator ": " – colon and space
Fee detail – "SHA" / "OUR" / "BEN"
?25 / 35va
Format:
16va
2fa
3fa
1fa
10,2vn / Original amount
Text description
Separator ": " – colon and space
Currency
Separator „ „ – space
Original amount - 10vn + 2fn with a decimal comma
?26 / 35va / Message for the beneficiary 1/4
?27 / 35va / Message for the beneficiary 2/4
?28 / 35va / Message for the beneficiary 3/4
?29 / 35va / Message for the beneficiary 4/4
?30 / 12va / Counterparty bank code (SWIFT)
?32 / 27va / Counterparty account name
?33 / 27va / Counterparty account number
If the account number is IBAN, the field is excluded.
?38 / 34va / Counterparty IBAN
If the counterparty account number is not IBAN, the field is excluded.
Example of field :86: in a foreign transaction:
:86:201?00Foreign transaction
?20Payment SWIFT EUR
?23Exchange rate: 25,1230
?24Charges details: SHA
?25Original Amount: EUR 100,00
?26Pocket money
?30BXXCZSAD
?32John Smith
?38CZ8500000000000000000123456789
Other Transactions
Subfield / Format / Description3fn / Other transaction code type – "102"
?00 / 27va / Transaction type text
?20 / 35va / Transaction description text 1/3
?21 / 35va / Transaction description text 2/3
?22 / 35va / Transaction description text 3/3
?26 / 35va / Transaction details text 1/4
?27 / 35va / Transaction details text 2/4
?28 / 35va / Transaction details text 3/4
?29 / 35va / Transaction details text 4/4
Example of field :86: in another transaction:
:86:102?00Other transactions
?20Cash Deposit
?26Deposit John Smith
Example of the Statement File Content (File is in Latin2 – CP852 Code Page)
Multiple Pages:
{1:F01SOLACZPPAXXX0000000000}{2:I940SOLACZPPXXXXN}{3:{108:PRG120131XXXXXX}}{4:
:20:001MSOG11322095J
:25:SOLACZPP/7654321234
:28C:00010/00001
:60F:C111118CZK10000,00
:61:1201310131CK1500,00N1011234569890ABCDEF//1234567890ABCDEF
:86:101?00Domestic transaction
?20Domestic payment electronically
?23VS: 1234567890
?24SS: 1234567890
?25KS: 1234567890
?26Invoice1/2012
?27Confirm payment
?28Phone 123456
?29Accounting department
?304000
?32Example s.r.o.
?33000000-5555566666
:61:1201310131DK2500,00N2011234569890ABCDEF//1234567890ABCDEF
:86:201?00Foreign transaction
?20PaymentSWIFT EUR
?23Exchange rate: 25,0000
?24Chargers details: SHA
?25Original amount: EUR 100,00
?26Payment for goods via eshop
?27Christmas present
?30EXPNCZPP
?32Gift eshop
?38DE85000000000000000000000000000001
:61:1201310131DK5,00N102NONREF//1234567890ABCDEF
:86:102?00Other transactions
?20Charges for 1 domestic payment(s)
?21electronically from 01.01.2012 to
?2231.01.2012
:62M:C111118CZK8995,00
-}
{1:F01SOLACZPPAXXX0000000000}{2:I940SOLACZPPXXXXN}{3:{108:PRG120131XXXXXX}}{4:
:20:001MSOG11322095J
:25:SOLACZPP/7654321234
:28C:00010/00002
:60M:C111118CZK8995,00
:61:1201310131CK3000,00N102654321//1234567890ABCDEF
:86:102?00Other transactions
?20Cash deposit
?26Registration fee
?27Paid by Petr Hora
:62F:C111118CZK11995,00
-}
Single Page:
{1:F01SOLACZPPAXXX0000000000}{2:I940SOLACZPPXXXXN}{3:{108:PRG120131XXXXXX}}{4:
:20:001MSOG11322095J
:25:SOLACZPP/7654321235
:28C:00011/00001
:60F:C111118CZK10000,00
:61:1201310131CK3000,00N102987654321//1234567890ABCDEF
:86:102?00Other transactions
?20Cash deposit
?26Repayment
?27John Smith
:62F:C111118CZK13000,00
-}
Description of CSV Format Fields for Export of Statements and Turnovers from the ExpoBusiness Direct Application
The ExpoBusiness Direct application allows exporting account statements and turnovers in the CSV format.
To improve information content, the Bank reserves the right to add other fields to the statement structure without prior notice. In such a case, new fields will be placed at the end of the sentence, and the format and order of existing fields will remain unchanged.
The statement file uses the UTF-8 code page.
Individual data are separated by a semi-colon (“;”).
Text data are specified in parentheses.
Description of Fields in the Order in which They Appear in the CSV File
Field formatv – variable (the field may be shorter than the max. length); f – fixed
a – alphanumeric; n – numeric
Date formatDD – day; MM – month, YYYY – year
Field name / Format / Note1. / Client's account number / 10fn
2. / Client's bank code / 4fn / Code of Expobank CZ a.s.: "4000“
3. / Account currency / 3fa
4. / Statement number / 5vn
5. / Statement date / DD.MM.YYYY
6. / Openingstatement balance / 12,2vn / Dot separating thousands
7. / Closingstatement balance / 12,2vn / Dot separating thousands
8. / Value date / DD.MM.YYYY
9. / Booking date / DD.MM.YYYY
10. / Amount / 12,2vn / Dot separating thousands
11. / Client reference / 16va / Text "NONREF“ if no reference is provided
12. / Bank reference / 16va
13. / Transaction type code / 3fn / 101 – Domestic transactions
201 – Foreign transactions
102 – Other transactions
14. / Transaction type text / 27va
15. / Transaction description text 1/3 / 35va
16. / Transaction description text 2/3 / 35va
17. / Transaction description text 3/3 / 35va
18. / Counterparty account name / 27va
19. / Counterparty account number / 27va / Domestic payment:
6fn - prefix with zeros added on the left
1fa - „-„ separator dash
10fn - account number with zeros added on left
Foreign payment:
Blank if the account number is IBAN.
20. / Counterparty IBAN / 34va / Foreign payments with IBAN only.
21. / Counterparty bank / 12va / Domestic payment:
4vn - Bank code
Foreign payment:
12va – SWIFT
22. / Detail 1 / 35va / Domestic payment: Variable symbol
23va - text description
2fa - Separator ": " – colon and space
10vn - Variable symbol
Foreign payment: Exchange rate
27va - text description
2fa - Separator ": " – colon and space
2,3vn - 2vn + 3fn with a decimal comma
23. / Detail 2 / 35va / Domestic payment: Specific symbol
23va - Text description
2fa - Separator ": " – colon and space
10vn - Specific symbol
Foreign payment: Fee detail
30va - Text description
2fa - Separator ": " – colon and space
3fa - Fee detail – "SHA" / "OUR" / "BEN"
24. / Detail 3 / 35va / Domestic payment: Constant symbol
23va - text description
2fa - Separator ": " – colon and space
10vn - Constant symbol
Foreign payment: Original amount
27va - text description
2fa - Separator ": " – colon and space
2,3vn - 2vn + 3fn with a decimal comma
25. / Message for the beneficiary 1/4 / 35va
26. / Message for the beneficiary 2/4 / 35va
27. / Message for the beneficiary 3/4 / 35va
28. / Message for the beneficiary 4/4 / 35va
Simplified Overview of Individual Transaction Fields in the CSV File
Field / Domestic Transactions / Foreign Transactions / Other Transactions1 / Client's account number / Client's account number / Client's account number
2 / Client's bank code / Client's bank code / Client's bank code
3 / Account/statement currency / Account/statement currency / Account/statement currency
4 / Statement number / Statement number / Statement number
5 / Statement date / Statement date / Statement date
6 / Starting statement balance / Starting statement balance / Starting statement balance
7 / Ending statement balance / Ending statement balance / Ending statement balance
8 / Value date / Value date / Value date
9 / Accounting day / Accounting day / Accounting day
10 / Amount / Amount / Amount
11 / Client reference / Client reference / Client reference
12 / Bank reference / Bank reference / Bank reference
13 / Transaction type code / Transaction type code / Transaction type code
14 / Transaction type text / Transaction type text / Transaction type text
15 / Transaction description text 1/3 / Transaction description text 1/3 / Transaction description text 1/3
16 / Transaction description text 2/3 / Transaction description text 2/3 / Transaction description text 2/3
17 / Transaction description text 3/3 / Transaction description text 3/3 / Transaction description text 3/3
18 / Counterparty account name / Counterparty account name / - Blank -
19 / Counterparty account number / Counterparty account number / - Blank -
20 / - Blank - / Counterparty IBAN (if provided) / - Blank -
21 / Counterparty bank / Counterparty bank / - Blank -
22 / Variable symbol / Exchange rate / - Blank -
23 / Specific symbol / Fee type / - Blank -
24 / Constant symbol / Original amount / - Blank -
25 / Message for the beneficiary 1/4 / Message for the beneficiary 1/4 / Message for the beneficiary 1/4
26 / Message for the beneficiary 2/4 / Message for the beneficiary 2/4 / Message for the beneficiary 2/4
27 / Message for the beneficiary 3/4 / Message for the beneficiary 3/4 / Message for the beneficiary 3/4
28 / Message for the beneficiary 4/4 / Message for the beneficiary 4/4 / Message for the beneficiary 4/4
Example of CSV Statement File Content (File Is in the UTF-8 Code Page)
"7654321234";"4000";"CZK";"10";02.04.2012;10.000,00;11.995,00;02.04.2012;02.04.2012;1.500,00;"1234569890ABCDEF";"1234567890ABCDEF";"101";"Domestic transaction";"Domestic payment electronically";"";"";"Example s.r.o.";"000000-5555566666";"";"4000";"VS: 1234567890";"SS: 1234567890";"KS: 1234567890";"Invoice 1/2012";"Confirm payment";"Phone123456";"Accounting deparment"
"7654321234";"4000";"CZK";"10";02.04.2012;10.000,00;11.995,00;02.04.2012;02.04.2012;-2.500,00;"1234569890ABCDEF";"1234567890ABCDEF";"201";"Foreign transaction";"Payment SWIFT EUR";"";"";"eGifts a.s.";"";"DE850000000000000000000000000001";"EXPNCZPP";"Exchange rate: 25,0000";"Chargers details: SHA";"Original amount: EUR 100,00";"Payments for goods via eshop";"Christmas present for Eva”;"";""
"7654321234";"4000";"CZK";"10";02.04.2012;10.000,00;11.995,00;02.04.2012;02.04.2012;-5,00;"NONREF";"1234567890ABCDEF";"102";"Other transactions";"Charges for 1 domestic payment(s)";"electronically from 01.1.2012 to";"31.1.2012";"";"";"";"";"";"";"";"";"";"";""
"7654321234";"4000";"CZK";"10";02.04.2012;10.000,00;11.995,00;02.04.2012;02.04.2012;3.000,00;"654321";"1234567890ABCDEF";"102";"Other transactions";"Cash deposit";"";"";"";"";"";"";"";"";"";"Registration fee";"Paid by Petr Hora";"";""
Structure of Expo Business Direct Data ExportsVersion 1.1, 17January 2013
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