The purpose of this document is to provide guidance on how account statements information is structured in the exchange between Holvi and the customer.

Requirements

Customers must have a valid agreement with Holvi on the retrieval of account statements.

File formats

The electronic accounts statement is formed in Holvi’s system in the XML format by the International Organization for Standardization (ISO), including:

ISO 20022 camt.053.001.02 - BankToCustomerStatementV02 message for End-of-Day account statement reporting, commonly used in Finland
ISO 20022 camt.053.001.08 - BankToCustomerStatementV08 message for End-of-Day account statement reporting, commonly used in Germany
ISO 20022 camt.054.001.02 - BankToCustomerDebitCreditNotification message with information for cash management and/or reconciliation, commonly used in Finland.

Files creation

The electronic account statement is created for every banking day or for certain periods according to the customer's choice.

The periods of the periodical account statement can be one of the following three options:

Daily
Monthly
Four times a month for the following periods:
1. From the 1st to the 7th of the month
2. From the 8th to the 14th of the month
3. From the 15th to the 22nd of the month
4. From the 23rd to the end of month

Holvi’s banking days follow the TARGET2 calendar schedule published by the European Central Bank and available at https://www.ecb.europa.eu/ under the Payments & Markets - TARGET services section.

The account statements are always created on the day following the last day of the period.

Numbering of the account statement

The XML account statements are given sequence numbers, as follow:

‘Legal Sequence Number’ required by the Accounting Act
‘Electronic Sequence Number’ assigned at the time the file has been created by the account servicer

Electronic Sequence Number

The XML account statements use the Electronic Sequence Number.

The numbering always begins from number 1 at the beginning of a new agreement or at the beginning of the calendar year.

Numbering is continuous and without any gaps in the account statements created under the same account statements framework agreement.

Legal Sequence Number

The XML and ASCII account statements use the Legal Sequence Number.

The numbering always begins from number 1 at the beginning of a new agreement or at the beginning of the calendar year.

If no transactions have been entered to the account on the formation day, the Legal Sequence Number is zero.

Note. If a customer requests generation of both XML and KTO account statements, they will always be created for the same period and will follow the same legal sequence numbering.

Files retrieval

The electronic account statement files may be retrieved through the following channels:

SFTP
EBICS

Please ask Holvi for availability and more information on any of the above delivery channels.

More details on each of the data communication methods used for file transfer with Holvi is available in the separate service description documents.

The account statements generated by Holvi are available for download via the retrieval channel defined in the related agreement with the customer.

The files are available to an account owner or to a party authorised by the account owner to receive the message.

The availability of the files to be retrieved depends on the chosen periods for the file creation:

A daily account statement is formed at the end of each entry date, and it can be retrieved from the file transfer service at the latest at 12.00 EET in the morning on the day following the entry date.
A periodic account statement is formed on the last entry date of the period, and it can be retrieved starting from 12.00 EET on the day following the last day of the period.

The maximum size of a file that can be exchanged with the Web Services is 50MB and with the EBICS connection is 20MB.

Files retention period

Unretrieved account statements are retrievable in electronic format for 12 months from the file creation date.

Account statements that have already been retrieved can be retrieved again within 60 calendar days from the day they were created.

Account statements formats descriptions

Reporting on Finnish accounts

XML format

The International Organization for Standardization has published on its website instructions

on implementing ISO 20022 messages as well as schema files that can be used for

checking the message format. Information on standardisation and messages is available at

www.iso20022.org.

The XML account statement produced by Holvi for payment accounts of customers domiciled in Finland corresponds to the content and structure described in the ISO20022 Account Statement Manual published by Finance Finland, the Federation of Finnish Financial Services, that has published a guide describing the message elements that should be used and what information they should contain.

Camt.053 files

The account statement in the XML format for Finland is based on the message description camt.053.001.02 published by the International Organization for Standardization (ISO).

The following is an example of camt.053.001.02 account statement file:

<?xml version='1.0' encoding='utf-8'?>

</GrpHdr>

<Stmt>

</FrToDt>

<Acct>

<Id>

</Id>

<Ownr/>

<Svcr>

<BIC>HOLVFIHH</BIC>

<Nm>Holvi Payment Services Oy</Nm>

<StrtNm>Kaikukatu 2 C, 00530 Helsinki</StrtNm>

</PstlAdr>

</FinInstnId>

</Svcr>

</Acct>

<Bal>

<Tp>

</CdOrPrtry>

</Tp>

<Dt>

</Dt>

</Bal>

<Bal>

<Tp>

</CdOrPrtry>

</Tp>

<Dt>

</Dt>

</Bal>

<Ntry>

<RvslInd>false</RvslInd>

</BookgDt>

<ValDt>

</ValDt>

<AcctSvcrRef>2023411ACTSTMT5491616360306094357</AcctSvcrRef>

<Domn>

<Fmly>

</Fmly>

</Domn>

</BkTxCd>

<Refs>

</Refs>

<TxAmt>

</TxAmt>

</AmtDtls>

<Dbtr>

<Nm>Test Debtor</Nm>

</Dbtr>

</RltdPties>

<Ustrd>Payment received from Test Debtor <test@holvi.com></Ustrd>

<Strd>

<Tp>

</CdOrPrtry>

<Issr>Holvi Payment Services Oy</Issr>

</Tp>

</CdtrRefInf>

</Strd>

</RmtInf>

</RltdDts>

</TxDtls>

</NtryDtls>

</Ntry>

<Ntry>

<RvslInd>false</RvslInd>

</BookgDt>

<ValDt>

</ValDt>

<AcctSvcrRef>2023411ACTSTMT990574255921961854</AcctSvcrRef>

<Domn>

<Fmly>

</Fmly>

</Domn>

</BkTxCd>

<Refs>

<AcctSvcrRef>63592e4c47fbbac061f55b3f2c6fdfa3</AcctSvcrRef>

<EndToEndId>1b1a1ecced65617da5394d94ccf81aed</EndToEndId>

</Refs>

<TxAmt>

</TxAmt>

</AmtDtls>

<Cdtr>

<Nm>Test recipient</Nm>

</Cdtr>

<Id>

</Id>

</CdtrAcct>

</RltdPties>

<Ustrd>Test message</Ustrd>

<Strd>

<Tp>

</CdOrPrtry>

<Issr>Holvi Payment Services Oy</Issr>

</Tp>

</CdtrRefInf>

</Strd>

</RmtInf>

</RltdDts>

</TxDtls>

</NtryDtls>

</Ntry>

<Ntry>

<RvslInd>false</RvslInd>

</BookgDt>

<ValDt>

</ValDt>

<AcctSvcrRef>2023411ACTSTMT7654224719812376136</AcctSvcrRef>

<Domn>

<Fmly>

</Fmly>

</Domn>

</BkTxCd>

<Refs>

</Refs>

<TxAmt>

</TxAmt>

</AmtDtls>

<Dbtr>

<Nm>Test Debtor</Nm>

</Dbtr>

</RltdPties>

<Ustrd>Test inbound payment with message</Ustrd>

<Strd>

<Tp>

</CdOrPrtry>

<Issr>Holvi Payment Services Oy</Issr>

</Tp>

</CdtrRefInf>

</Strd>

</RmtInf>

</RltdDts>

</TxDtls>

</NtryDtls>

</Ntry>

<Ntry>

<RvslInd>false</RvslInd>

</BookgDt>

<ValDt>

</ValDt>

<AcctSvcrRef>2023411ACTSTMT95565983922016728</AcctSvcrRef>

<Domn>

<Fmly>

</Fmly>

</Domn>

</BkTxCd>

<Refs>

</Refs>

<TxAmt>

</TxAmt>

</AmtDtls>

<Cdtr>

<Nm>Test recipient</Nm>

</Cdtr>

<Id>

</Id>

</CdtrAcct>

</RltdPties>

<Strd>

<Tp>

</CdOrPrtry>

<Issr>Holvi Payment Services Oy</Issr>

</Tp>

</CdtrRefInf>

</Strd>

</RmtInf>

</RltdDts>

</TxDtls>

</NtryDtls>

</Ntry>

<Ntry>

<RvslInd>false</RvslInd>

</BookgDt>

<ValDt>

</ValDt>

<AcctSvcrRef>2023411ACTSTMT8144181609358073427</AcctSvcrRef>

<Domn>

<Fmly>

</Fmly>

</Domn>

</BkTxCd>

<Btch>

<MsgId>2023411BATCHFI0079977997168567</MsgId>

</Btch>

<TxAmt>

</TxAmt>

</AmtDtls>

</TxDtls>

</NtryDtls>

</Ntry>

</Stmt>

</BkToCstmrStmt>

</Document>

Camt.054 files

The Bank To Customer Debit Credit Notification in the XML format for Finland is based on the message description camt.054.001.02 published by the International Organization for Standardization (ISO).

The message can be used to inform the account owner, or authorised party, of single or multiple debit and/or credit entries reported to the account. The message can contain reports for more than one account, and it provides information for cash management and/or reconciliation.

The following is an example of camt.054 file:

</GrpHdr>

<Acct>

<Id>

</Id>

<Ownr>

<Nm>TestCompany</Nm>

<StrtNm>Kaikukatu 2 C</StrtNm>

<TwnNm>Helsinki</TwnNm>

</PstlAdr>

</Ownr>

<Svcr>

<BIC>HOLVFIHH</BIC>

<Nm>Holvi Payment Services Oy</Nm>

<StrtNm>Kaikukatu 2 C, 00530 Helsinki</StrtNm>

</PstlAdr>

</FinInstnId>

</Svcr>

</Acct>

<Ntry>

<RvslInd>false</RvslInd>

</BookgDt>

<ValDt>

</ValDt>

<AcctSvcrRef>2023720ACTSTMT4322137149142668348</AcctSvcrRef>

<Domn>

<Fmly>

</Fmly>

</Domn>

</BkTxCd>

<Refs>

<EndToEndId>83fc9c1e46c38e4a2775eaaae123c1fd</EndToEndId>

</Refs>

<TxAmt>

</TxAmt>

</AmtDtls>

<Cdtr>

<Nm>Vaasan Sähkö Oy</Nm>

</Cdtr>

<Id>

</Id>

</CdtrAcct>

</RltdPties>

<Strd>

<Tp>

</CdOrPrtry>

<Issr>Holvi Payment Services Oy</Issr>

</Tp>

</CdtrRefInf>

</Strd>

</RmtInf>

</RltdDts>

</TxDtls>

</NtryDtls>

</Ntry>

</Ntfctn>

</BkToCstmrDbtCdtNtfctn>

</Document>

Special XML statements configurations

Holvi can accommodate special configuration requests related to data reported in the account statements in the XML format for Finland.

The following options are available upon request:

Include only Finnish incoming reference payments in the camt.054 statements
Include Finnish incoming reference payments and batched debits received via pain.001 files in the camt.054 statements
Include Finnish incoming reference payments and batched debits received via pain.001 files, and structured reference payments in the camt.054 statements

Please reach out to Holvi via the developer portal in order to request any of the above special configurations.

Reporting on German accounts

XML format

The International Organization for Standardization has published on its website instructions

on implementing ISO 20022 messages as well as schema files that can be used for

checking the message format. Information on standardisation and messages is available at

www.iso20022.org.

The XML account statement produced by Holvi for payment accounts of customers domiciled in Germany corresponds to the content and structure described in the appendix 3 of the DFÜ agreement.

The appendix 3, Specification of Data Formats, of the DFÜ agreement is a compilation of formats which are standardised and permitted for “DFÜ (remote data transfer) with customers.

Please check the latest descriptions available at the website https://die-dk.de/en/ and https://ebics.de.

Camt.053 files

The Holvi account statement in the XML format for Germany is based on the message description camt.053.001.08 published by the International Organization for Standardization (ISO).

<?xml version='1.0' encoding='utf-8'?>

</GrpHdr>

<Stmt>

<Acct>

<Id>

</Id>

<Ownr/>

<Svcr>

<BICFI>HOLVDEB1</BICFI>

<Nm>Holvi Payment Services Oy - ZN DE</Nm>

</FinInstnId>

</Svcr>

</Acct>

<Bal>

<Tp>

</CdOrPrtry>

</Tp>

<Dt>

</Dt>

</Bal>

<Bal>

<Tp>

</CdOrPrtry>

</Tp>

<Dt>

</Dt>

</Bal>

<Ntry>

<RvslInd>false</RvslInd>

<Sts>

</Sts>

</BookgDt>

<ValDt>

</ValDt>

<AcctSvcrRef>2023328ACTSTMT601445641687003959</AcctSvcrRef>

<Domn>

<Fmly>

</Fmly>

</Domn>

</BkTxCd>

<Refs>

</Refs>

<TxAmt>

</TxAmt>

</AmtDtls>

<Dbtr>

<Pty>

<Nm>Test debtor</Nm>

</Pty>

</Dbtr>

</RltdPties>

<Ustrd>Payment received from Test debtor</Ustrd>

<Strd>

<Tp>

</CdOrPrtry>

<Issr>Holvi Payment Services Oy - ZN DE</Issr>

</Tp>

</CdtrRefInf>

</Strd>

</RmtInf>

</RltdDts>

</TxDtls>

</NtryDtls>

</Ntry>

<Ntry>

<RvslInd>false</RvslInd>

<Sts>

</Sts>

</BookgDt>

<ValDt>

</ValDt>

<AcctSvcrRef>2023328ACTSTMT2997937233596902713</AcctSvcrRef>

<Domn>

<Fmly>

</Fmly>

</Domn>

</BkTxCd>

<Refs>

</Refs>

<TxAmt>

</TxAmt>

</AmtDtls>

<Dbtr>

<Pty>

<Nm>Test debtor</Nm>

</Pty>

</Dbtr>

</RltdPties>

<Ustrd>Outbound test payment with message</Ustrd>

<Strd>

<Tp>

</CdOrPrtry>

<Issr>Holvi Payment Services Oy - ZN DE</Issr>

</Tp>

</CdtrRefInf>

</Strd>

</RmtInf>

</RltdDts>

</TxDtls>

</NtryDtls>

</Ntry>

<Ntry>

<RvslInd>false</RvslInd>

<Sts>

</Sts>

</BookgDt>

<ValDt>

</ValDt>

<AcctSvcrRef>2023328ACTSTMT5073109823557090777</AcctSvcrRef>

<Domn>

<Fmly>

</Fmly>

</Domn>

</BkTxCd>

<Refs>

<EndToEndId>6dadcac8cdcb4a02dcaa329925254cae</EndToEndId>

</Refs>

<TxAmt>

</TxAmt>

</AmtDtls>

<Cdtr>

<Pty>

<Nm>Corporate Account</Nm>

</Pty>

</Cdtr>

<Id>

</Id>

</CdtrAcct>

</RltdPties>

<Ustrd>Outbound test payment with message</Ustrd>

<Strd>

<Tp>

</CdOrPrtry>

<Issr>Holvi Payment Services Oy - ZN DE</Issr>

</Tp>

</CdtrRefInf>

</Strd>

</RmtInf>

</RltdDts>

</TxDtls>

</NtryDtls>

</Ntry>

<Ntry>

<RvslInd>false</RvslInd>

<Sts>

</Sts>

</BookgDt>

<ValDt>

</ValDt>

<AcctSvcrRef>2023328ACTSTMT5842850718534184130</AcctSvcrRef>

<Domn>

<Fmly>

</Fmly>

</Domn>

</BkTxCd>

<Btch>

<MsgId>2023328BATCH100179975605808864</MsgId>

</Btch>

<Refs>

<AcctSvcrRef>9ae20e12bee9e838e5247ebfbe8441e6</AcctSvcrRef>

<EndToEndId>27bacab2afd197bc412da30aa45ec64a</EndToEndId>

</Refs>

<TxAmt>

</TxAmt>

</AmtDtls>

<Dbtr>

<Pty>

<Nm>Test debtor</Nm>

</Pty>

</Dbtr>

</RltdPties>

<Strd>

<Tp>

</CdOrPrtry>

<Issr>Holvi Payment Services Oy - ZN DE</Issr>

</Tp>

</CdtrRefInf>

</Strd>

</RmtInf>

</RltdDts>

</TxDtls>

</NtryDtls>

</Ntry>

</Stmt>

</BkToCstmrStmt>

</Document>

International payments

Holvi supports currency payments in a number of different currencies. The list of supported currencies can be found in the Holvi Help Centre article here.

Below an example of information provided in camt.053 account statements for international payments with currency other than EUR:

</CcyXchg>

</InstdAmt>

<TxAmt>

</TxAmt>

</CntrValAmt>

</AmtDtls>

Holvi ISO 20022 XML account statements service description

Holvi ISO 20022 XML account statements service description

Change log

Introduction

Requirements

File formats

Files creation

Numbering of the account statement

Electronic Sequence Number

Legal Sequence Number

Files retrieval

Files retention period

Account statements formats descriptions

Reporting on Finnish accounts

XML format

Camt.053 files

Camt.054 files

Special XML statements configurations

Reporting on German accounts

XML format

Camt.053 files

International payments