Formats for Internet Bank

22.04.2016

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

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.

1. 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.

2. MESSAGE ROOT

INDEX [3]MULT. [3]MESSAGE ELEMENT [3]XML TAG [3]
[ 1..1]+MessageRoot

3. GROUP HEADER

INDEX [1]MULT. [1]MESSAGE ELEMENT [3]XML TAG [1]LHV REQUIREMENT [6]
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.
1.8[ 0..1]+++Name<Nm>
1.8[ 0..1]+++Identification<Id>
1.8{Or++++OrganisationIdentification<OrgId>
1.8{{Or+++++BICOrBEI<BICOrBEI>
1.8Or}}+++++Other<Othr>
1.8[ 1..1]++++++Identification<Id>
1.8[ 0..1]++++++SchemeName<SchmeNm>
1.8[ 1..1]+++++++Code<Cd>
1.8Or}++++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>
1.8Or}+++++Other<Othr>
1.8[ 1..1]++++++Identification<Id>
1.8[ 0..1]++++++SchemeName<SchmeNm>
1.8[ 1..1]+++++++Code<Cd>

4. PAYMENT INFORMATION

INDEXMULT.MESSAGE ELEMENTXML TAGLHV 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.
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>
2.13Or}++++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.
2.19[ 0..1]+++Identification<Id>
2.19{Or++++OrganisationIdentification<OrgId>
2.19{{Or+++++BICOrBEI<BICOrBEI>Remitter’s BIC or BEI code.
2.19Or}}+++++Other<Othr>
2.19[ 1..1]++++++Identification<Id>Organisation’s identification code.
2.19[ 0..1]++++++SchemeName<SchmeNm>
2.19[ 1..1]+++++++Code<Cd>See the supported values in Code Set: Organisation Identification.
2.19Or}++++PrivateIdentification<PrvtId>
2.19{Or+++++DateAndPlaceOfBirth<DtAndPlcOfBirth>
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.
2.19Or}+++++Other<Othr>
2.19[ 1..1]++++++Identification<Id>Remitter’s identification code.
2.19[ 0..1]++++++SchemeName<SchmeNm>
2.19[ 1..1]+++++++Code<Cd>See the supported values in Code Set: 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]+++Identification<Id>
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.
2.21[ 1..1]+++FinancialInstitutionIdentification<FinInstnId>
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[ 0..1]+++Identification<Id>
2.23{Or++++OrganisationIdentification<OrgId>
2.23{{Or+++++BICOrBEI<BICOrBEI>Ultimate remitter’s BIC or BEI code.
2.23Or}}+++++Other<Othr>
2.23[ 1..1]++++++Identification<Id>Organisation’s identification code.
2.23[ 0..1]++++++SchemeName<SchmeNm>
2.23[ 1..1]+++++++Code<Cd>See the supported values in Code Set: Organisation Identification.
2.23Or}++++PrivateIdentification<PrvtId>
2.23{Or+++++DateAndPlaceOfBirth<DtAndPlcOfBirth>
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.
2.23Or}+++++Other<Othr>
2.23[ 1..1]++++++Identification<Id>Ultimate remitter’s identification code.
2.23[ 0..1]++++++SchemeName<SchmeNm>
2.23[ 1..1]+++++++Code<Cd>See the supported values in Code Set: Private Person Identification.
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 debiting from other than remitter’s account.
2.25[ 1..1]+++Identification<Id>
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>
2.38Or}+++++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.
2.44Or}++++EquivalentAmount<EqvtAmt>Not used.
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.
2.70Or}}++++++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: Organisation Identification.
2.70Or}+++++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.
2.70Or}++++++Other<Othr>
2.70[ 1..1]+++++++Identification<Id>Ultimate remitter’s identification code.
2.70[ 0..1]+++++++SchemeName<SchmeNm>
2.70[ 1..1]++++++++Code<Cd>See the supported values in Code Set: Private Person Identification.
2.71[ 0..1]+++IntermediaryAgent1<IntrmyAgt1>Information about the beneficiary’s bank’s correspondent bank. Used for foreign payments.
2.71[ 1..1]++++FinancialInstitutionIdentification<FinInstnId>
2.71[ 0..1]+++++BIC<BIC>Bank’s BIC code.
2.71[ 0..1]+++++ClearingSystemMemberIdentification<ClrSysMmbId>
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[ 1..1]++++Identification<Id>
2.72{Or+++++IBAN<IBAN>
2.72Or}+++++Other<Othr>
2.72[ 1..1]++++++Identification<Id>
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]+++++ClearingSystemMemberIdentification<ClrSysMmbId>
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 clearing system. For RUB payments to 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[ 1..1]++++Identification<Id>
2.78{Or+++++IBAN<IBAN>
2.78Or}+++++Other<Othr>
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.
2.79Or}}++++++Other<Othr>
2.79[ 1..1]+++++++Identification<Id>Organisation’s identification code. For RUB payments to Russia, INN and KPP codes are entered here.
2.79[ 0..1]+++++++SchemeName<SchmeNm>
2.79{{Or++++++++Code<Cd>See the supported values in Code Set: Organisation Identification.
2.79Or}}++++++++Proprietary<Prtry>Scheme names INN and KPP are be entered here.
2.79Or}+++++PrivateIdentification<PrvtId>
2.79{Or++++++DateAndPlaceOfBirth<DtAndPlcOfBirth>
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.
2.79Or}++++++Other<Othr>
2.79[ 1..1]+++++++Identification<Id>Beneficiary’s identification.
2.79[ 0..1]+++++++SchemeName<SchmeNm>
2.79[ 1..1]++++++++Code<Cd>See the supported values in Code Set: Private Person Identification.
2.80[ 1..1]+++BeneficiaryAccount<CdtrAcct>Beneficiary’s account.
2.80[ 1..1]++++Identification<Id>
2.80{Or+++++IBAN<IBAN>Beneficiary’s IBAN.
2.80Or}+++++Other<Othr>
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.
2.81[ 0..1]++++Identification<Id>
2.81{Or+++++OrganisationIdentification<OrgId>
2.81{{Or++++++BICOOrBEI<BICOrBEI>Ultimate beneficiary’s BIC or BEI.
2.81Or}}++++++Other<Othr>
2.81[ 1..1]+++++++Identification<Id>Ultimate beneficiary’s organisation identification.
2.81[ 0..1]+++++++SchemeName<SchmeNm>
2.81[ 1..1]++++++++Code<Cd>See the supported values in Code Set: Organisation Identification.
2.81Or}+++++PrivateIdentification<PrvtId>
2.81{Or++++++DateAndPlaceOfBirth<DtAndPlcOfBirth>
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.
2.81Or}++++++Other<Othr>
2.81[ 1..1]+++++++Identification<Id>Ultimate beneficiary’s identification.
2.81[ 0..1]+++++++SchemeName<SchmeNm>
2.81[ 1..1]++++++++Code<Cd>See the supported values in Code Set: Private Person 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. Usage rules:
2.89[ 0..1]++++Authority<Authrty>
2.89[ 0..1]+++++Country<Ctry>
2.89[ 0..n]++++Details<Dtls>
2.89[ 0..1]+++++Type<Tp>
2.89[ 0..1]+++++Country<Ctry>
2.89[ 0..1]+++++Code<Cd>Code of the balance of payment. For an appropriate code see the central bank’s website.
2.89[ 0..1]+++++Information<Inf>Specification of the balance of payment code 900. For RUB payments to Russia, the VO and KBK codes are entered here.
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.

5. CODE SET: PAYMENT PRIORITY
If payment priority is not provided or faulty, default values will be used. For additional information see Payment processing time limits and settlements.

CODE [2]DESCRIPTION [10]
NORMNormal payment.
HIGHUrgent payment.
EXPRExtra urgent payment.

6. CODE SET: CATEGORY PURPOSE

CODE [2]DESCRIPTION [10]
CASHCash management.
CORTTrade settlement payment.
DIVIDividends payment.
GOVTGovernment payment.
HEDGHedging.
INTCIntra-company payment.
INTEInterest payment.
LOANTransfer of a loan to a borrower.
PENSPension payment.
SALASalary payment.
SECUSecurities payment.
SSBESocial security benefit payment.
SUPPSupplier payment.
TAXSTax payment.
TRADTrade finance transaction payment.
TREATreasury payment.
VATXVAT payment.
WHLDWithholding tax payment.
OTHROther payment.
EPAYPayment via online banking.
FCOLFee collection.

7. CODE SET: PURPOSE

CODE [2]DESCRIPTION [10]
ACCTAccount management.
CASHCash management.
COLLCollection payment.
INTCIntra-company payment.
LIMALiquidity management.
NETTNetting.
AGRTAgricultural payment.
BEXPBusiness expenses.
COMCCommercial payment.
CPYRCopyright.
LICFLicence fee.
GDDSPurchase and sale of goods.
SCVEPurchase and sale of services.
SUBSSubscription.
SUPPSupplier payment.
CHARCharity payment.
HLRPHousing loan repayment.
INSUInsurance premium.
INTEInterest.
LBRILabour insurance.
LIFILife insurance.
LOANLoan to borrower.
LOARLoan to lender.
PPTIProperty insurance.
ADVAAdvance payment.
CCRDCredit card payment.
DCRDDebit card payment.
GOVTGovernment payment.
MSVCMultiple service types.
NOWSNot otherwise specified.
OTHROther.
PADDPreauthorised debit.
RENTRent.
STDYStudy.
DERIDerivatives.
DIVDDividend.
FREXForeign exchange.
SAVGSavings.
SECUSecurities.
TREATreasury payment.
DNTSDental services.
HLTIHealth insurance.
HSPCHospital care.
LTCFLong-term care facility.
MDCSMedical services.
ALMYAlimony payment.
BONUBonus payment.
BECHChild benefit.
COMMCommission.
PENSPension payment.
SALASalary payment.
SSBESocial security benefit.
HSTXHousing tax.
INTXIncome tax.
TAXSTax payment.
VATXVAT payment.
AIRBAir transport.
BUSBBus transport.
FERBFerry transport.
RLWYRailway transport.
CBTVCable TV bill.
ELECElectricity bill.
ENRGEnergies.
GASBGas bill.
NWCHNetwork charge.
NWCMNetwork communication.
OTLCOther telecom related bill.
PHONTelephone bill.
WTERWater bill.
DEBTDeposit.
GDSVPurchase and sale of goods and services.
CDBLCredit card bill.
EDUCEducation.
IVPTInvoice payment.
TBILTelecommunication bill.
INVSInvestment and securities.
ALLWAllowance.
PAYRPayroll.
UBILUtilities.

8. CODE SET: PRIVATE PERSON IDENTIFICATION

CODE [2]DESCRIPTION [10]
ARNUNumber assigned by a social security agency to identify a non-resident person.
CCPTNumber assigned by an authority to identify the passport number of a person.
CUSTNumber assigned by an issuer to identify a customer.
DRLCNumber assigned by an authority to identify a driver's license.
EMPLNumber assigned by a registration authority to an employee.
NIDNNumber assigned by an authority to identify the national identity number of a person.
SOSENumber assigned by an authority to identify the social security number of a person.
TXIDNumber assigned by a tax authority to identify a person.

9. CODE SET: CHARGES BEARER
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 [2]DESCRIPTION [10]
SLEV Allowed only for SEPA payments. Shared charges.
SHAR Shared charges.
DEBT Remitter pays charges.

10. CODE SET: ORGANISATION IDENTIFICATION

CODE [2]DESCRIPTION [10]
BANKUnique and unambiguous assignment made by a specific bank or similar financial institution to identify a relationship as defined between the bank and its client.
CBIDA unique identification number assigned by a central bank to identify an organisation.
CHIDA unique identification number assigned by a clearing house to identify an organisation.
COIDCountry authority given organisation identification (e.g., corporate registration number).
CUSTNumber assigned by an issuer to identify a customer. Number assigned by a party to identify a beneficiary or remitter relationship.
DUNSA unique identification number provided by Dun & Bradstreet to identify an organisation.
EMPLNumber assigned by a registration authority to an employer.
GS1GGlobal 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.
SRENThe 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.
SRETThe 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.
TXIDNumber assigned by a tax authority to identify an organisation.

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.

11. 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.

12. MESSAGE ROOT

INDEX [1]MULT. [2]MESSAGE ELEMENT [3]XML TAG [8]
[ 1..1]+MessageRoot<BkToCstmrStmt>

13. GROUP HEADER

INDEX [1]MULT. [1]OR [1]MESSAGE ELEMENT [2]XML TAG [3]LHV REQUIREMENT [4]
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.

14. STATEMENT

INDEXMULT.ORMESSAGE ELEMENTXML TAGLHV REQUIREMENT
2.0[ 1..n]+Statement<Stmt>
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]++++FinancialInstitutionIdentification<FinInstnId>
[ 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
[ 0..1]++++++Country<Ctry>EE
[ 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>
2.78[ 1..1]+++Amount<Amt>Transaction amount (may be zero).
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]+++AdditionalInformationIndicator<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]++++++AccountServicerReference<AcctSvcrRef>Unique payment ID assigned by the bank.
2.146[ 0..1]++++++PaymentInformationIdentification<PmtInfId>Unique identification assigned by a sending party.
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>
[ 0..1]++++++++Country<Ctry>Remitter’s country ISO code.
[ 0..7]++++++++AddressLine<AdrLine>Remitter’s address.
[ 0..1]+++++++Identification<Id>
[ 1..1]{Or++++++++OrganisationIdentification<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]+++++++++DateAndPlaceOfBirth<DtAndPlcOfBirth>
[ 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]+++++++Identification<Id>
[ 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.
[ 0..1]+++++++Identification<Id>
[ 1..1]{Or++++++++OrganisationIdentification<OrgId>
[ 0..1]+++++++++BICOrBEI<BICOrBEI>Ultimate remitter’s BIC or BEI.
[ 0..n]+++++++++Other<Othr>
[ 1..1]++++++++++Identification<Id>Ultimate remitter’s identification.
[ 1..1]Or}++++++++PrivateIdentification<PrvtId>
[ 0..1]+++++++++DateAndPlaceOfBirth<DtAndPlcOfBirth>
[ 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.
[ 0..1]+++++++Identification<Id>
[ 1..1]{Or++++++++OrganisationIdentification<OrgId>
[ 0..1]+++++++++BICOrBEI<BICOrBEI>Beneficiary’s BIC or BEI.
[ 0..n]+++++++++Other<Othr>
[ 1..1]++++++++++Identification<Id>Beneficiary’s identification.
[ 1..1]Or}++++++++PrivateIdentification<PrvtId>
[ 0..1]+++++++++DateAndPlaceOfBirth<DtAndPlcOfBirth>
[ 1..1]++++++++++BirthDate<BirthDt>Beneficiary’s birth date.
[ 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]+++++++Identification<Id>
[ 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.
[ 0..1]+++++++Identification<Id>
[ 1..1]{Or++++++++OrganisationIdentification<OrgId>
[ 0..1]+++++++++BICOrBEI<BICOrBEI>Ultimate beneficiary’s BIC or BEI.
[ 0..n]+++++++++Other<Othr>
[ 1..1]++++++++++Identification<Id>Ultimate beneficiary’s identification.
[ 1..1]Or}++++++++PrivateIdentification<PrvtId>
[ 0..1]+++++++++DateAndPlaceOfBirth<DtAndPlcOfBirth>
[ 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>
[ 1..1]++++++++++Identification<Id>Ultimate beneficiary’s identification.
2.211[ 0..1]+++++RelatedAgents<RltdAgts>
2.212[ 0..1]++++++RemitterAgent<DbtrAgt>
[ 1..1]+++++++FinancialInstitutionIdentification<FinInstnId>
[ 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>
[ 1..1]+++++++FinancialInstitutionIdentification<FinInstnId>
[ 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>
[ 1..1]+++++++FinancialInstitutionIdentification<FinInstnId>
[ 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]+++++RelatedRemittanceInformation<RltdRmtInf>Not used.
2.234[ 0..1]+++++RemittanceInformation<RmtInf>
2.235[ 0..n]++++++Unstructured<Ustrd>Payment description.
2.236[ 0..n]++++++Structured<Strd>
2.256[ 0..n]+++++++BeneficiaryReferenceInformation<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]+++++AdditionalTransactionInformation<AddtlTxInf>Not used.
2.314[ 0..1]+++AdditionalEntryInformation<AddtlNtryInf>Not used.
2.315[ 0..1]++AdditionalStatementInformation<AddtlStmtInf>Not used.

15. CODE SET: BALANCE

CODE [2]DESCRIPTION [10]
OPBDOpening booked balance.
CLBDClosing booked balance.

16. CODE SET: CREDIT AND DEBIT CODE

CODE [2]DESCRIPTION [10]
CRDTPositive amount or zero.
DBITNegative amount.

17. CODE SET: PURPOSE

CODE [2]DESCRIPTION [10]
ACCTAccount management.
CASHCash management.
COLLCollection payment.
INTCIntra-company payment.
LIMALiquidity management.
NETTNetting.
AGRTAgricultural payment.
BEXPBusiness expenses.
COMCCommercial payment.
CPYRCopyright.
LICFLicence fee.
GDDSPurchase and sale of goods.
SCVEPurchase and sale of services.
SUBSSubscription.
SUPPSupplier payment.
CHARCharity payment.
HLRPHousing loan repayment.
INSUInsurance premium.
INTEInterest.
LBRILabour insurance.
LIFILife insurance.
LOANLoan to borrower.
LOARLoan to lender.
PPTIProperty insurance.
ADVAAdvance payment.
CCRDCredit card payment.
DCRDDebit card payment.
GOVTGovernment payment.
MSVCMultiple service types.
NOWSNot otherwise specified.
OTHROther.
PADDPreauthorised debit.
RENTRent.
STDYStudy.
DERIDerivatives.
DIVDDividend.
FREXForeign exchange.
SAVGSavings.
SECUSecurities.
TREATreasury payment.
DNTSDental services.
HLTIHealth insurance.
HSPCHospital care.
LTCFLong-term care facility.
MDCSMedical services.
ALMYAlimony payment.
BONUBonus payment.
BECHChild benefit.
COMMCommission.
PENSPension payment.
SALASalary payment.
SSBESocial security benefit.
HSTXHousing tax.
INTXIncome tax.
TAXSTax payment.
VATXVAT payment.
AIRBAir transport.
BUSBBus transport.
FERBFerry transport.
RLWYRailway transport.
CBTVCable TV bill.
ELECElectricity bill.
ENRGEnergies.
GASBGas bill.
NWCHNetwork charge.
NWCMNetwork communication.
OTLCOther telecom related bill.
PHONTelephone bill.
WTERWater bill.

TH6 format

A – alphanumeric (character)
* Mandatory field
Ø – space
N – numeric
** Not processed in payment importing Amount aligned to the right

HEADER

NO [1]POS [1]DESCRIPTION [3]TYPE [1]LENGTH [1]COMMENT [5]
11Subject codeA*4VVØØ
25Record codeA*3000
38Bank codeN*3689
411Account numberA*20Bank account number in the IBAN format.
531DateN*6YYMMDD, query date.
637TimeN*4HHMM, query time.

TRANSACTIONS

NO [1]POS [1]DESCRIPTION [3]TYPE [1]LENGTH [1]COMMENT [5]
11Subject codeA*4VVØØ
25Record codeA*11 – transaction,
2 – opening balance,
3 – closing balance.
36Bank referenceA*16Displayed in the format YYYYMMDDXXXXXXXX.
422Tr. typeA*4Transaction code (MK – domestic payment,
MV – foreign payment).
526Own account numberA*20Bank account number in the IBAN format.
646CurrencyA*3
749BankA*35Counterparty’s bank code and account number.
884NameA*35Counterparty’s name.
9119Doc. noA*8
10127DescriptionA*140
11267C/DA*2C – credit,
D – debit.
12269AmountN*12In cents and always positive.
13281Client referenceA*35Payment reference no.

FOOTER

NO [1]POS [1]DESCRIPTION [3]TYPE [1]LENGTH [1]COMMENT [5]
11Subject codeA*4VVØØ
25Record codeA*3999
38A190Unused.
4198ChecksumN*12Last 12 positions.
5210A20Unused.

CSV format

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

HEADER

NOCOLUMNCOMMENT
1Client accountAccount from which the statement was prepared.
2Document numberPayment number.
3DatePayment date.
4Beneficiary’s/remitter’s accountOther party’s IBAN.
5Beneficiary’s/remitter’s nameOther party’s name.
6Beneficiary’s bank’s code
7EmptyNot used.
8Debit/Credit (D/C)
9AmountPayment amount. Debit entries with a minus sign.
10Reference numberPayment reference number.
11Archival IDProvided as AAAAKKPPXXXXXXXX.
12DetailsDetails of payment.
13Service charge
14CurrencyPayment currency.
15Personal identification code or registry codeOther party’s private person’s identification code or legal entity’s registry code.
16Beneficiary’s/remitter’s bank’s BIC
17Payment initiator’s nameFinal remitter’s name.
18Entry reference
19Account service provider’s referenceUnique payment ID assigned by the bank.