Record formats

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/