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Faster Payments

Cell Description Example Value Mandatory Y /N Cell Format
A1 - - - -
B1 - - - -
C1 - - - -
D1

Record Type

01= Faster Payment

 01 M Max 2 numeric characters
E1 - - - -
F1 - - - -
G1 - - - -
H1 - - - -
I1 - - - -
J1 - - - -
K1 - - - -
L1 - - - -
M1

Debiting Account Information

(No spaces or dashes)

 18000212345678 M

Max 14 numeric characters

[SortcodeAccountNo]
N1 - - - -
O1 - - - -
P1 - - - -
Q1 Payment Amount 10.00 M

Max 11 numeric characters

Inc. decimals
R1 - - - -
S1

Payment Date

24122016 = 24th Dec 2016

 24122016 M

Max 8 numeric characters

[DDMMYYYY]
T1 - - - -
U1 - - - -
V1 - - - -
W1 - - - -
X1 - - - -
Y1 Payee Sort Code 090000 M Max 6 numeric characters
Z1 - - - -
AA1 - - - -
AB1 - - - -
AC1 - - - -
AD1 - - - -
AE1 Payee Account Number 12345678 M Max 8 numeric characters
AF1 - - - -
AG1 Payee Name Mr Smith M Max 18 alphanumeric characters
AH1 - - - -
AI1 - - - -
AJ1 - - - -
AK1 Payee Reference December Salary 0 Max 18 alphanumeric characters
AL1 - - - -
AM1 - - - -
AN1 - - - -

CHAPS

Cell Description Example Value Mandatory Y /N Cell Format
A1 - - - -
B1 - - - -
C1 - - - -
D1

Record Type

02 = CHAPS

 02 M Max 2 numeric characters
E1 - - - -
F1 - - - -
G1 - - - -
H1 - - - -
I1 Customer Reference  Ref 12345 O Max 18 alphanumeric characters
J1 - - - -
K1 - - - -
L1 - - - -
M1

Debiting Account Information

(No spaces or dashes)

 18000202345678 M

Max 14 numeric characters

[SortcodeAccountNo]
N1 - - - -
O1 - - - -
P1 - - - -
Q1 Payment Amount 10.00 M

Max 11 numeric characters

Inc. decimals
R1

Payment Date

28122016 = 28th Dec 2016

 28122016 M

Max 8 numeric characters

[DDMMYYYY]
S1

-

 - -

-
T1 - - - -
U1 - - - -
V1 - - - -
W1 - - - -
X1 - - - -
Y1 Payee Sort Code 090000 M Max 6 numeric characters
Z1 - - - -
AA1 - - - -
AB1 - - - -
AC1 - - - -
AD1 - - - -
AE1 Payee Account Number 12345678 M Max 8 numeric characters
AF1 - - - -
AG1 Payee Name Mr Smith M Max 35 alphanumeric characters
AH1 Address Line 2 35 Long Street O Max 35 alphanumeric characters
AI1 Address Line 3 London O Max 35 alphanumeric characters
AJ1 Address Line 4 N1 23U O Max 35 alphanumeric characters
AK1 - - - -
AL1 - - - -
AM1 - - - -
AN1 Payee Reference 35 Long Rd Completion O Max 35 Alphanumeric characters
AO1  Additional Information Ref xxxx   Max 35 Alphanumeric characters
AP1  Additional Information Sett ABC   Max 35 Alphanumeric characters
AQ1  Additional Information     Max 35 Alphanumeric characters
CW1 Purpose Code HLRP O MAX 4 ALPHA CHARACTERS LIMITED TO THESE ENTRIES ONLY (HLRP, HLST, PLDS, PDEP, PCOM or PLRF)

INTERNATIONAL PAYMENTS

Cell Description Example Value Mandatory Y /N Cell Format
A1 - - - -
B1 - - - -
C1 - - - -
D1

Record Type

04 = INTERNATIONAL

 04 M Max 2 numeric characters
E1 - - - -
F1 - - - -
G1 - - - -
H1 - - - -
I1 Customer Payment Reference  Ref 12345 O Max 18 alphanumeric characters
J1 Destination Country  US M

Max 2 alpha

 Recognised ISO Country Codes
K1 International Payment Type

U = Urgent SWIFT

N = Non-Urgent SEPA from 21st November 2016

 O Max 1 alpha,
if left blank will default to N if able to be sent as SEPA
if not then sent as SWIFT
L1 - - - -
M1

Debiting Account Information

(No spaces or dashes)

 18000202345678 M

Max 14 numeric characters

[SortcodeAccountNo]
N1 - - - -
O1 Charges Code

OUR = Remitter to pay all charges

BEN = Beneficiary to pay all charges

SHA = remitter to pay debit charges, beneficiary to pay credit charges

 O

Max 3 alpha

SEPA payments = SHA only

If left blank will default to SHA
P1 Payment Currency EUR M

Max 3 alpha

Recognised ISO currency code

SEPA must be EUR
Q1

Payment Amount

of currency specified

 10.00 M

Max 11 numeric characters

Inc. decimals
R1

Payment Date

28122016 = 28th Dec 2016

 28122016 M

Max 8 numeric characters

[DDMMYYYY]
S1

-

 - -

-
T1 - - - -
U1 - - - -
V1 - - - -
W1 - - - -
X1 - - - -
Y1 Payee Bank Identifier HYPVAT2BXXX M Max 16 alphanumeric characters
Z1 - - - -
AA1 - - - -
AB1 - - - -
AC1 - - - -
AD1 - - - -
AE1 Payee Account Number AT335800020372245018 M

Max 34 alphanumeric characters

IBAN mandatory for SEPA
AF1 - - - -
AG1 Payee Name/Address line 1 ABC Co Ltd M Max 35 alphanumeric characters
AH1 Address Line 2 7 Long Street O Max 35 alphanumeric characters
AI1 Address Line 3 London O Max 35 alphanumeric characters
AJ1 Address Line 4 WC1 O Max 35 alphanumeric characters
AK1 - - - -
AL1 - - - -
AM1 - - - -
AN1 Payee Reference Line 1 Shipment of Goods O Max 35 Alphanumeric characters
AO1 Payee Reference Line 2  24th December  O Max 35 Alphanumeric characters
AP1 Payee Reference Line 3 Ref KC1973   O Max 35 Alphanumeric characters
AQ1 Payee Reference Line 4 Invoice 8766   O Max 35 Alphanumeric characters
AR1 - - - -
AS1 Credit Currency EUR M

 Max 3 alpha characters 

ISO currency code

Collated payments - Saved Payee

Debiting Details

Cell Description Example Value Mandatory Y /N Cell Format
A1 - - - -
B1 - - - -
C1 - - - -
D1

Record Type

06 = Debiting Information

 06 M Max 2 numeric characters
E1 - - - -
F1

Payee Group Name

(As saved within Coutts Online)

 Payroll M Max 18 alphanumeric characters
G1 - - - -
H1 - - - -
I1 - - - -
J1 - - -

-
K1 - - - -
L1 - - - -
M1

Debiting Account Information

(No spaces or dashes)

 18000202345678 -

-
N1 - - - -
O1 -

-

 -

-
P1 - - -

-
Q1

-

 - -

-
R1

-

 - -

-
S1

Payment Date

24122016 = 24th Dec 2015

 24122016 -

Max 8 numeric characters

[DDMMYYYY]
T1 - - - -
U1 - - - -
V1 - - - -
W1 - - - -
X1 - - - -
Y1 - - - -
Z1 - - - -
AA1 - - - -
AB1 - - - -
AC1 - - - -
AD1 - - - -
AE1 - - -

-
AF1 - - - -
AG1 - - - -
AH1 - - - -
AI1 - - - -
AJ1 - - - -
AK1 Reference to all payees December Salary M Max 18 Alphanumeric characters

Crediting Details

Cell Description Example Value Mandatory Y /N Cell Format
A1 - - - -
B1 - - - -
C1 - - - -
D1

Record Type

07 = Crediting Information

 07 M Max 2 numeric characters
E1 - - - -
F1

-

 - - -
G1 - - - -
H1

Payee Name

(As saved within Coutts Online)

 Smith J M Max 25 alphanumeric characters
I1 - - - -
J1 - - -

-
K1 - - - -
L1 - - - -
M1

-

 - -

-
N1 - - - -
O1 -

-

 -

-
P1 Payment Currency GBP M

Max 3 alphabetic characters
Q1

Payment Amount

 10.00 M

Max 11 numeric characters

Inc. decimals
R1

-

 - -

-
S1

-

 - -

-
T1 - - - -
U1 - - - -
V1 - - - -
W1 - - - -
X1 - - - -
Y1 Payee Sort Code 090000 M Max 6 numeric characters
Z1 - - - -
AA1 - - - -
AB1 - - - -
AC1 - - - -
AD1 - - - -
AE1 Payee Account Number 02345678 M

Max 8 numeric characters
AF1 - - - -
AG1 Payee Name Mr Smith M Max 18 alphanumeric characters
AH1 - - - -
AI1 - - - -
AJ1 - - - -
AK1 Individual Payee Reference Personal Ref O Max 18 Alphanumeric characters

Collated payments - Ad-Hoc

Debiting Details

Cell Description Example Value Mandatory Y /N Cell Format
A1 - - - -
B1 - - - -
C1 - - - -
D1

Record Type

08 = Collated Payment List debit

 08 M Max 2 numeric characters
E1 - - - -
F1

-

 - - -
G1 Confidential Marker

Y=Yes

N=No

 M Max 1 alpha
H1        
I1 Remitters reference Dec Payroll O Max 18 alphanumeric characters
J1 - - -

-
K1 - - - -
L1 - - - -
M1

Debiting Account Information

(No spaces or dashes)

 18000202345678 M

Max 14 numeric characters

[SortcodeAccountNo]
N1 - - - -
O1 -

-

 -

-
P1      

 
Q1

 

    

 
R1

-

 - -

-
S1

Credit Payment Date

24122016 = 24th Dec 2016

 24122016 M

Max 8 numeric characters

[DDMMYYYY]
T1 - - - -
U1 - - - -
V1 - - - -
W1 - - - -
X1 - - - -
Y1 - - - -
Z1 - - - -
AA1 - - - -
AB1 - - - -
AC1 - - - -
AD1 - - - -
AE1 - - -

-
AF1 - - - -
AG1 - - - -
AH1 - - - -
AI1 - - - -
AJ1 - - - -
AK1 Main Payee Reference December Salary M Max 18 Alphanumeric characters


Crediting Details

Cell Description Example Value Mandatory Y /N Cell Format
A1 - - - -
B1 - - - -
C1 - - - -
D1

Record Type

09 = Collated Payment List Credit

 09 M Max 2 numeric characters
E1 - - - -
F1

-

 - - -
G1 - - - -
H1 - - - -
I1 - - - -
J1 - - -

-
K1 - - - -
L1 - - - -
M1

-

 - -

-
N1 - - - -
O1 -

-

 -

-
P1 Payment Currency GBP M

Max 3 alpha characters
Q1

Payment Amount

 10.00 M

Max 11 numeric characters

Inc. decimals
R1

-

 - -

-
S1

-

 - -

-
T1 - - - -
U1 - - - -
V1 - - - -
W1 - - - -
X1 - - - -
Y1 Payee Sort Code 090000 M Max 6 numeric characters
Z1 - - - -
AA1 - - - -
AB1 - - - -
AC1 - - - -
AD1 - - - -
AE1 Payee Account Number 02345678 M

Max 8 numeric characters
AF1 - - - -
AG1 Payee Name Mr Smith M Max 18 alphanumeric characters
AH1 - - - -
AI1 - - - -
AJ1 - - - -
AK1 Individual Payee Reference Bonus O Max 18 Alphanumeric characters

Transfers

Cell Description Example Value Mandatory Y /N Cell Format
A1 - - - -
B1 - - - -
C1 - - - -
D1

Record Type

03 = Transfers

 03 M Max 2 numeric characters
E1 - - - -
F1

-

 - - -
G1 - - - -
H1 - - - -
I1 - - - -
J1 - - -

-
K1 - - - -
L1 - - - -
M1

Debiting Account Information

(No spaces or dashes)

 18000202345678 M

Max 14 numeric characters

[SortcodeAccountNo]
N1 - - - -
O1 -

-

 -

-
P1 Payment Currency GBP Y

Max 3 alpha characters
Q1

Payment Amount

 10.00 M

Max 11 numeric characters

Inc. decimals
R1

Payment Date

28122016 = 28th Dec 2018

 28122018 M

Max 8 numeric characters

[DDMMYYYY]
S1

-

 - -

-
T1 - - - -
U1 - - - -
V1 - - - -
W1 - - - -
X1 - - - -
Y1 Payee Sort Code

180091 (currency account)

180002 (GBP accounts)

 M Max 6 numeric characters
Z1 - - - -
AA1 - - - -
AB1 - - - -
AC1 - - - -
AD1 - - - -
AE1 Payee Account Number 12345678 M

Max 8 numeric characters
AF1 - - - -
AG1 - - - -
AH1 - - - -
AI1 - - - -
AJ1 - - - -
AK1 - - - -
AL1 - - - -
AM1 - - - -
AN1 Reference Expenses O 18 Alpha Numeric
AO1 - - - -
AP1 - - - -
AR1 - - - -