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INTERNATIONAL PAYMENT
IMPORT REQUIREMENTS
Importing Payments in Commercial Banking Online
 International Payment Import Requirements

Importing International
Payments in Commercial
Banking Online will be
different from your existing
online banking channel.
This document includes what you’ll need to know and the checks
to carry out to successfully Import International Payments to
Commercial Banking Online.
There are three options for International Payment Imports in
Commercial Banking Online:
Option 1: International Payments to a SWIFT/BIC & IBAN (mandatory for EEA
and selected other countries)

Option 2: International Payments to National Clearing Codes & local country

account number

Option 3: International Payments to SWIFT/BIC & local country account

number

Each of these are explained on the following pages.

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 International Payment Import Requirements

OPTION 1: International Payments to SWIFT/BIC & IBAN

To Import International Payments to a SWIFT/BIC & IBAN code, you will need to:
• enter a valid 11 digit SWIFT/BIC code in the Beneficiary Bank Code field and valid IBAN in the Beneficiary Account
Number field, as shown below.
• enter the values below in fields Beneficiary Bank Code Type and Beneficiary Account Type
Import Field Requirements

Import Field Name Input Requirement

Beneficiary Bank Code Type Enter value ‘SWIFT’

Beneficiary Bank Code Enter a valid 11 digit SWIFT/BIC code

Beneficiary Account Type Enter value ‘IBAN’

Beneficiary Account Number Enter a valid IBAN

Using a SWIFT/BIC & IBAN is mandatory for International Payments to EEA countries and other countries in the table below.

EEA Countries – IBAN Mandatory

Country Name ISO Country Code Country Name ISO Country Code

Austria AT Iceland IS

Belgium BE Italy IT

Bulgaria BG Liechtenstein LI

Republic of Cyprus CY Lithuania LT

Czech Republic CZ Luxembourg LU

Germany DE Latvia LV

Denmark DK Malta MT

Estonia EE Netherlands NL

Spain ES Norway NO

Finland FI Poland PL

France FR Portugal PT

United Kingdom GB Romania RO

Greece GR Sweden SE

Croatia HR Slovenia SI

Hungary HU Slovakia SK

Ireland IE Gibraltar GI

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 International Payment Import Requirements

Non-EEA Countries – IBAN Mandatory

Country Name ISO Country Code

Andorra AD

United Arab Emirates AE

Bahrain BH

Switzerland CH

Georgia GE

Greenland GL

Israel IL

Jordan JO

Kuwait KW

Lebanon LB

Moldova MD

Macedonia MK

Montenegro ME

Pakistan PK

State of Palestine PS

Qatar QA

Saudi Arabia SA

Tunisia TN

Turkey TR

Monaco MC

San Marino SM

Kosovo XK

You can find more detailed guidance on how to Import International Payments to SWIFT/BIC codes & IBAN on the
Commercial Banking Online Support Site.

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 International Payment Import Requirements

OPTION 2: International Payments to National Clearing Codes & local country

account number
To Import International Payments using a National Clearing Code, you will need to:
• enter a valid National Clearing Code (NCC) in the Beneficiary Bank Code field and valid local country account number in
the Beneficiary Account Number field, as shown below.
• enter valid values as shown below in fields Beneficiary Bank Code Type and Beneficiary Account Type.
Import Field Requirements

Import Field Name Input Requirement

Beneficiary Bank Code Type Enter valid value for NCC identifier

Beneficiary Bank Code Enter a valid NCC

Beneficiary Account Type Enter value ‘Other’

Beneficiary Account Number Enter a valid local country account number e.g. 8 digit UK account
number

Using a National Clearing Code & local account number is mandatory for payments to countries not supported for SWIFT and
IBAN payments. For countries also supported by SWIFT and in the table below you can choose which type of Beneficiary Bank
Code you wish to select.

Countries supported for NCCs

Country Name ISO Country Code Beneficiary Bank Code Type NCC Format
Entry

United States US ABA NNNNNNNNN

Albania AL AL NNNNNNNN

Armenia AM AM NNNNN

Argentina AR AR NNNNN

Australia AU AU NNNNNN

Bosnia and Herzegovina BA BA NNN

Brazil BR BR NNNNNNNN / NNNNNNNNN

Belarus BY BY AAAAAANNNNN
AAAAAANX
AAAAAANN

Canada CA CA NNNNNNNNN

China CN CN NNNNNNNNNNNN

Colombia CO CO NNNNNN

Costa Rica CR CR NNN

Guam GU GU NNNNNNNNN

Hong Kong HK HK NNNNNN

NNNNNNNNNNNN

Indonesia ID ID NNNNNNN

India IN IN AAAANNNNNNN

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 International Payment Import Requirements

Country Name ISO Country Code Beneficiary Bank Code Type NCC Format
Entry

Japan JP JP NNNNNNN

Kyrgyzstan KG KG NNNNNN

Korea, Republic of KR KR NNNNNNN

Morocco MA MA NNNNNNNNN

Monaco MC MC NNNNNNNNNN

Mauritius MU MU NNNN

Mexico MX MX NNN
NNNNNNNNNN

Malaysia MY MY NNNN
NNNNNNNNN

Nicaragua NI NI NN

New Zealand NZ NZ NNNNNN

Panama PA PA NNNNNNNNN
NNN

Peru PE PE NNN

Philippines PH PH NNNNNN

Paraguay PY PY NNNN
NNNNNNN

Serbia RS RS NNN

Russian Federation RU RU NNNNNNNNN

Thailand TH TH NNNNNNN

Taiwan TW TW NNNNNNN

Great Britain GB UK NNNNNN

Venezuela VE VE NNNN
NNNNNNNN

Vietnam VN VN NNNNNNNN

South Africa ZA ZA NNNNNN

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 International Payment Import Requirements

OPTION 3: International Payments to SWIFT/BIC & local country account number

To Import International Payments using a SWIFT/BIC and local account number you will need to:
• enter a valid 11 digit SWIFT/BIC code in the Beneficiary Bank Code field and valid local country account number in the
Beneficiary Account Number field, as shown below.
• enter the values below in fields Beneficiary Bank Code Type and Beneficiary Account Type.
Import Field Requirements

Import Field Name Input Requirement

Beneficiary Bank Code Type Enter value ‘SWIFT’

Beneficiary Bank Code Enter a valid 11 digit SWIFT/BIC code

Beneficiary Account Type Enter value ‘Other’

Beneficiary Account Number Enter a valid local country account number e.g. 8 digit UK account
number

Using SWIFT and a local account number is used for countries that are members of SWIFT but not supported for IBAN
payments. This includes many countries that are not members of the European Union.

Country Specific Requirements

Payments to the countries in the table below will need to meet the Country Specific Requirements. This will avoid the
payment being rejected either when being imported or when processed.

USA 1. A Routing Number (ABA) for the beneficiary bank is required in field ‘Beneficiary Bank Code’.
2. Enter value ‘ABA’ in field ‘Beneficiary Bank Code Type’.
3. If you need to check the ABA for your beneficiary bank create a test payment in Commercial Banking
Online, then use the in-built lookup functionality for ABAs:
• Create a new international payment on Commercial Banking Online (you will not need to submit
this payment).
• Select Other from the drop down Bank Account Type field.
• Enter the Beneficiary Account Number.
• Select ABA from the Beneficiary Bank Code Type drop down field.
• Using the filter option search for the required Beneficiary Bank Code and select.
Canada Full beneficiary name and address must be provided, and must not contain a PO Box number.
• The address should be entered into fields ‘Beneficiary Address Line 1’ and ‘Beneficiary Address
Line 2’.
• The ISO country code ‘CA’ should be entered in field ‘Beneficiary Country’.

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 International Payment Import Requirements

China Regulatory requirements must be adhered to before making payments to mainland China. Three data fields
are mandatory:
1. A payment purpose code must be entered in field ‘Beneficiary Reference Line 1’. Choose from the
following options:
• /TRADE/GOODS - Cross-border settlement conducted for trade in goods, general merchandise,
goods for processing, goods required for repairing, goods procured in ports by carriers, transactions
to be settled by letter of credit, bills for collection, payment of import equipment and advanced
payment, etc.
• /TRADE/SERVICE - Cross-border settlement conducted for trade in services, including bill payments,
services or fees relating to transportation, construction, financial services, computer and information
services, sports, utility bills, legal and medical fees, etc.
• /CURRENT/TRF - Income and current transfers, remittance of profits, bonus, dividends, tax and
scholarships, etc
• /CAPITAL/TRF - Capital account transactions, capital injection, capital reduction, capital payment,
direct investment, shareholder’s loan/repayment, funds transfers for foreign direct investment (FDI)
and RQFII projects.
2. Invoice Number - This will come from your beneficiary in China and they must provide it to you in order
for the payment to reach them. Enter the Invoice Number in field ‘Beneficiary Reference Line 2’.
3. CNAPS Number - The CNAPS number is the equivalent of a UK domestic sort code and is 12 digits long.
The CNAPS number must be entered in the format NNNNNNNNNNNN in field ‘Beneficiary Bank Code’.
You will also need to enter ‘CN’ in field ‘Beneficiary Bank Code Type’ and ‘Other’ in field ‘Beneficiary
Account Type’.
4. Full beneficiary name and address must be provided. The address should be entered into fields
‘Beneficiary Address Line 1’ and ‘Beneficiary Address Line 2’ – if the Beneficiary Name contains
more than the limit of 35 characters for field ‘Beneficiary Address Line 1’ this should be carried into
the ‘Beneficiary Address Line 2’ field. The ISO country code ‘CN’ should be entered in field ‘Beneficiary
Country’.

India 1. An IFSC (Indian Financial System Code) must be provided in format AAAANNNNNNN in field
‘Beneficiary Bank Code’.
2. Enter ‘IN’ in field ‘Beneficiary Bank Code Type’ and ‘Other’ in field ‘Beneficiary Account Type’.
3. If you need to check the IFSC for your beneficiary create a test payment in Commercial Banking Online,
then use the in-built lookup functionality for IFSCs:
• Create a new international payment on Commercial Banking Online (you will not need to submit this
payment).
• Select Other from the drop down Bank Account Type field.
• Enter the Beneficiary Account Number.
• Select IN from the Beneficiary Bank Code Type drop down field.
• Using the filter option search for the required Beneficiary Bank Code and select.
4. Indian Rupee payments must only be sent to India (note that other currencies such as USD can also be
sent to India).
5. Reason for payment must be entered in field ‘Beneficiary Reference Line 1’.

Israel 1. Israel Shekel should not be sent to the State of Palestine (PS).

Jamaica 1. Full beneficiary name and address must be provided. The address should be entered into fields
‘Beneficiary Address Line 1’ and ‘Beneficiary Address Line 2’ – if the Beneficiary Name contains
more than the limit of 35 characters for field ‘Beneficiary Address Line 1’ this should be carried into
the ‘Beneficiary Address Line 2’ field. The ISO country code ‘CN’ should be entered in field ‘Beneficiary
Country’.

Jordan 1. Reason for payment must be provided and entered in field ‘Beneficiary Reference Line 1’.

Lebanon 1. Reason for payment must be provided and entered in field ‘Beneficiary Reference Line 1’.

Mauritius 1. Reason for payment must be provided and entered in field ‘Beneficiary Reference Line 1’.

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 International Payment Import Requirements

Romania Payments to State Treasury and other State Owned Entities in Romania:
Payments to the State Budget in connection with tax duties such as Income Tax or VAT or Payments in
favour of State Owned Entities such as a State Hospital - it is compulsory to provide the fiscal identification
code of both the ordering customer and the beneficiary. This Fiscal Identification Code can be obtained
directly from the State Treasury in Romania or through the fiscal representative of company in Romania.
The ‘Beneficiary Reference Line’ fields should include:
• The Unique Fiscal Identification code of the ordering party.
• For Tax Liability: The Name of the entity having tax duties in Romania.
• Details of the payment.
* Format of the Unique Fiscal Identification code for companies - IDXXXXXXX
** Format of the Unique Fiscal Identification code for individuals - UIN XXXXXXXXXXXXXXXX.
Commercial Banking Online will not force you to enter this data into the Beneficiary Reference Line
field but if you fail to provide it for payments of this nature it could delay receipt of the funds by the
beneficiary.

South Africa 1. A NCC (National Clearing Code) must be provided in format NNNNNN in field ‘Beneficiary Bank Code’.
2. Enter ‘ZA’ in field ‘Beneficiary Bank Code Type’ and ‘Other’ in field ‘Beneficiary Account Type’.
3. If you need to check the NCC for your beneficiary bank create a test payment in Commercial Banking
Online and use the in-built lookup functionality for NCCs:
• Create a new international payment on Commercial Banking Online (you will not need to submit this
payment).
• Select Other from the drop down Bank Account Type field.
• Enter the Beneficiary Account Number.
• Select ZA from the Beneficiary Bank Code Type drop down field.
• Using the filter option search for the required Beneficiary Bank Code and select.
Uganda 1. Reason for payment must be provided and entered in field ‘Beneficiary Reference Line 1’.

Payment Instructions
Do Not Convert
If you have the Commercial Banking Online permission Special Instruction – Do Not Convert you are able to specify that the
beneficiary bank for your Payment should receive the Payment in the same currency it was sent.
You are also able to specify Do not convert for Payments which you Import to Commercial Banking Online. To do so:
• Enter the text Do not convert into the field Instructions_To_Bene_Bank_1 in field 38 in the Commercial Banking Online
standard Import File format.
• If you have the permission Special Instruction – Do Not Convert set to ALWAYS you will need to enter Do not convert as a
mandatory field.

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 International Payment Import Requirements

For Forward Credit

The For Forward Credit instruction allows you to specify that the beneficiary account for the Payment is not the ultimate
beneficiary of that Payment.
Follow the instructions below to import a For Forward Credit payment. The Beneficiary Bank details will typically be the
details of the bank where the Intermediary Account is held and NOT details of the final Beneficiary Bank.
• Enter the account number of the Intermediary Bank in field Beneficiary Account Number.
• Enter the Intermediary Account Name field Beneficiary Name.
• Then enter ‘FFC’ followed by the Account Number and Name of the final Beneficiary in the Beneficiary Reference
Line 1 field.
Use the Intermediary Bank fields in the Import File if you want to request the Payment to go via a pre-defined Intermediary
Bank and for the Beneficiary details to be the final Beneficiary.

Charging Information
International Payments to countries in the European Economic Area (EEA), and in an EEA currency, are bound by
certain charging restrictions depending on the combination of the currency of the account being debited and the currency
being remitted.

Entering a Charging Code in your Import File

Intra-EEA payments If both the Remitter and Beneficiary of the Payment are in the EEA, please enter the code
(SHA) SHA in the Charging Method field in the Import File.
Other Payments For all other Payments to countries outside of the EEA, the Payment can be processed using
either OUR, BEN or SHA Charging Codes.
Enter the Charging Code in field position 25 in the standard Commercial Banking Online
Import Format.
A full list of countries in the EEA can be found in the previous pages.

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 Find out more

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