Version: 1.1.0
Updated: 16.06.2025
Numbering of the account statement
Account statements formats descriptions
Change log
| 2026-06-16 |
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| 2023-11-15 |
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Introduction
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 ASCII format, including:
- KTO (Konekielinen tiliote) format following the record description jointly created by the Finnish banks
- KTL (reference payments) format following the record description jointly created by the Finnish banks
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:
- From the 1st to the 7th of the month
- From the 8th to the 14th of the month
- From the 15th to the 22nd of the month
- 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 ASCII account statements are given sequence numbers, as follow:
- ‘Legal Sequence Number’ required by the Accounting Act
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
ASCII format
The records follow the description defined by Finnish banks at the beginning of the
1990s. The banks' joint service description of the electronic account statement is available
at the Finance Finland website https://www.finanssiala.fi/, under the section Topics - Payment services in Finland - Payment Services: Technical Documents.
KTO files
The account statement in the ASCII format for Finland is based on the record description of the KTO (Konekielinen tiliote) Finnish account statements.
The following is an example of KTO account statement file:
T00322100799779971685670082304062304112304120000d4b14fd4-dba0-4d3230406+000000000000001900000005EUR 000000000000000000 Holvi Payment Services Oy FI0079977997168567 HOLVFIHH
T101880000014b70304c3f2f5a836e2304122304112304111710Payment received from Tester Sender+000000000000000111 JCorporateAccount J 00000000000000000000
T1018800000251d52c93d402bff3192304122304112304112720Payment sent to Test recipient -000000000000000100 JTest recipient J79977997799718 00000000000000000000
T1132311 FI0079977997799718 HOLVFIHH Test recipient HOLVFIHH
T101880000038bb2082e70b0acd1cd2304122304112304111705Payment received from Tester Sender+000000000000000100 JCorporateAccount J 00000007001394317113
T11323117001394317113 FI0079977997168567 HOLVFIHH CorporateAccount HOLVFIHHXXX
T10188000004889959caa8bc363fd12304122304112304111710Payment received from Tester Sender+000000000000000050 JCorporateAccount J 00000000000000000000
T1132311 FI0079977997168567 HOLVFIHH CorporateAccount HOLVFIHHXXX
T101880000050d862e5977335e10722304122304112304112720Payment sent to Test recipient -000000000000000100 JTest recipient J79977997799718 00000007001394318222
T11323117001394318222 FI0079977997799718 HOLVFIHH Test recipient HOLVFIHH
T40050230412+000000000000001961+000000000000001961
T50067123041100000003+00000000000000026100000002-000000000000000200
T50067323041100000000+00000000000000026100000000-000000000000000200
T50067423041100000000+00000000000000078300000000-000000000000000744
KTL files
The separate reference payments transaction list ASCII file complies with an old record description labelled KTL defined by Finnish banks.
The following is an example of KTL account statement file:
02306270200799 1b30e23d3 000000000000000000000000000000000000000000000000000000000
379977994398621230626230626b73ceaeb8bed298a00000007001421581252Adriano Celi1 00000001000
900000100000000100000000000000000000000000000000000000000000000000000000000000000000000000
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 a KTO account statements for international payments with currency other than EUR (10 GBP in the example):
T1104905-000000000000001000 GBP 00000000085