Version: 1.0.0
Updated: 15.11.2023
Change log
Introduction
Requirements
File formats
Files creation
Numbering of the account statement
Statement Number / Sequence Number
Files retrieval
Files retention period
Account statements formats descriptions
Reporting on German accounts
SWIFT MT format
MT 940 files
Business Transaction Codes (GVC)
Change log
| 2023-11-15 | First version released |
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 the Holvi’s system in the following SWIFT format:
- MT 940 Customer Statement Message to send and receive end-of-day bank account statements, commonly used in Germany
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 SWIFT MT 940 account statements are given sequence numbers, as follow:
- “Statement Number/Sequence Number” as per MT format specifications
Statement Number / Sequence Number
The MT 940 account statements use the “Statement Number/Sequence Number”, that contains the sequential number of the statement, optionally followed by the sequence number of the message within that statement when more than one message is sent for one statement.
Both the statement number and sequence number enable the Receiver to put the different messages into sequence and thus form the complete statement.
The statement number 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 statement number value is zero.
When used, the sequence number always starts with 1. When several messages are sent to convey information about a single statement, the first message must contain '/1' in Sequence Number. The sequence number is then incremented by one for each additional message.
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 German accounts
SWIFT MT format
An MT (message text) is a traditional message type for use on the Society for Worldwide Interbank Financial Telecommunication (SWIFT) network. The message text standards have been developed to support the business transactions of SWIFT users.
The latest SWIFT publications can be found at https://www2.swift.com/knowledgecentre/products/Standards%20MT. The “Category 9 - Cash Management and Customer Status For Standards MT” reference guide contains the category 9 message text standards, including a detailed description of the scope, the format specifications, the rules, the guidelines, and the field specifications of each message type.
MT 940 files
The “MT 940 Customer Statement Message” is a specific SWIFT message type used by the SWIFT network to send and receive end-of-day bank account statements. Message Type 940 is the SWIFT standard (Banking Communication Standard) for the electronic transmission of account statement data.
The structure and content used for generating MT 940 messages are defined in “Appendix 3 of the specification for remote data transmission between customer and bank according to the DFÜ agreement” of the German Banking Industry.
The currently valid version of Appendix 3 of the DFÜ Agreement is available at the page https://www.ebics.de/de/datenformate/gueltige-version.
The following is an example of MT940 account statement file:
{1:F01A1111111111}{2:O940XXXXXXXXXXXXN}{3:{108:130105515}}{4:
:20:29da581079139f1a
:21:NONREF
:25:DE65100179975605808864
:28C:13/1
:60F:C230718EUR2,02
:61:2307180718DR1,00NTRF590384f58e654b9f//Repayment 4
/OCMT/EUR1.00/
:86:116
?00outbound
?20KREF+590384f58e654b9f
?21SVWZ+Payment sent to Test
?31FI6879977997168567
?32Karl
:61:2307180718CR1,00NTRF5e4994e9b0e62785//Test daily trans
/OCMT/EUR1.00/
:86:082
?00SEPA transfer
?20KREF+5e4994e9b0e62785
?32Karl Schmidt
:61:2307180718CR1500,00NTRF829075650d452432//Sixt
/OCMT/EUR1500.00/
:86:082
?00SEPA transfer
?20KREF+829075650d452432
?32Max Mustermann
:61:2307180718DR1500,00NTRF8db8089779a8358c//KreditkartenRckz
/OCMT/EUR1500.00/
:86:116
?00outbound
?20KREF+8db8089779a8358c
?21SVWZ+Payment sent to Kred
?31DE64100179976660181228
?32Kreditrahmen
:62F:C230718EUR2,02
:65:C230719EUR1,02
-}
Business Transaction Codes (GVC)
The business transaction code (GVC) defines all business transactions that result from a bank posting.
It consists of a standard three-digit code which allows customers to map transaction information into the transaction categories used within their specific business systems.
The GVC is contained in MT 940, field 86, positions 1 to 3.
Holvi currently supports the following codes:
| Code | D/C | Business Transaction |
| 006 | Debit | Other |
| 082 | Credit | Other |
| 105 | Debit | SEPA Direct Debit (single entry – debit, Core) |
| 116 | Debit | SEPA Credit Transfer (single entry – debit) |
| 159 | Debit / Credit | SEPA Credit Transfer back posting (resulting from remittance that cannot be credited or recall) |
| 166 | Credit | SEPA Credit Transfer (single entry – credit) |
| 167 | Credit | SEPA Credit Transfer (single entry – credit, credit transfer with checksum-protected reference data (RF)) |
| 181 | Credit | SEPA Direct Debit (credit; recredit, Core) |
| 808 | Debit / Credit | Charges |