File and record formats submitted for certification

Supported Banking File Formats

File Format Name for the format Detailed reference Description

SEPA Credit Transfer

XML_CT SEPA (BEIG)

pain 001.001.02 (BEIG) 1

XML format for payments in SEPA

Non-SEPA 2 Credit Transfer

XML_CT non-SEPA (BEIG)

pain 001.001.02 (BEIG) 1

XML format for payments outside SEPA

SEPA Direct Debits

XML_DD

pain 008.001.02 (BEIG) 1

XML Direct Debits

Belgian domestic  payments

BVB CIRI-FBF Both 128 and 360 byte messages are supported

This bank standard - also known as CIRI 01 - describes the electronic interchange of payment orders between customers and the bank. The format is a Belgian format used for domestic transfers (Belgian accounts to Belgian accounts in euro).

Belgian foreign payments

BVB CIRI-VME

V3.1.128

V3.0.128

V3.0.1440

The ‘Foreign Payment Orders’ bank standard deals with the electronic exchange of payment orders in euro or in foreign currencies transmitted by customers to their banks. This format is a Belgian format and is used for international payments.

Domestic Direct Debit

BVB CIRI-DOM

Both 128 and 360 byte messages are supported

This bank standard specifies the electronic interchange for DOM'80 (collecting direct debit data) between financial institutions and customers and includes:
- Collection and refunding instructions;
- Direct debit opening and closing

This format is a Belgian format and is used for the collection of Belgian direct debits and refunds on those Direct Debits

Belgian domestic  incasso of cheques

BVB CIRI-RCA Both 128 and 180 byte messages are supported

Belgian domestic  incasso of cheques

DIV Files

DIV  

A bank can allow a customer to send other file format to his bank. Isabel will transfer these files without any control of formats or content.

Can only be used when the customer is authorised by his bank to use DIV.


1 For both XML_CT and XML_DD formats, the Belgian Implementation Guidelines (BEIG) must be followed, otherwise, the files will most probably be refused by the banks (this depends on the format accepted by the bank)

2 The same CT XML format is used for SEPA and non-SEPA payments. Only the way the fields are populated differ from both types of payments 

Supported Report File Formats

File Format Name for the format Detailed reference Description

CODA

CODA

 

This bank standard (also called CODA) specifies the lay-out for the electronic files, by banks to customers, of the account transactions and the information concerning the enclosures in connection with the movement.

CODA 2.1

   

Newer version with adaptations for SEPA

CODA 2.2

 

 

Latest version with additional amendments for SEPA

MT940

MT940

 

MT reporting files used to transmit information about entries booked to a bank account. It does not convey Intra-Day nor Future statements.

MT941

MT941

 

MT reporting files used to transmit Day Balances. In Isabel 6 terminology it provides Intra-Day Balance information, excluding thus Intra-Day transaction detail. It is used for creating an Intra-Day statement with only Balance Info, or for updating the balances of an existing Intra-Day statement.

MT942

MT942

 

MT reporting files used to transmit information about Interim Transactions debited or credited to an Account. In Isabel 6 terminology it provides Intra-Day information, excluding balance information. MT942 may also be used to convey future transactions.

DIV Files

DIV  

A bank can allow a customer to send other file format to his bank. Isabel will transfer these files without any control of formats or content.

Can only be used when the customer is authorised by his bank to use DIV.


In this context, customers are accountholders with banks

More information on standards for distance banking can be found on http://febelfin.be/febelfin/nl/Betalingen/ or http://febelfin.be/febelfin/fr/Paiements/