A.
Field Tag

B.
Data Field

C.
Size

D.
Content/ Comment

E.
Payment

E.
Payment

E.
Payment

E.
Payment

F.
Payment from Template

F.
Payment from Template

F.
Payment from Template

F.
Payment from Template

H.
Payment Template Creation

H.
Payment Template Creation

H.
Payment Template Creation

H.
Payment Template Creation

H.
Payment Template Creation

H.
Payment Template Creation

I.
Bulk List Template Creation

I.
Bulk List Template Creation

A.
Field Tag

B.
Data Field

C.
Size

D.
Content/ Comment

Std D

Urg D

IAT

INT

Std D

Urg D

IAT

INT

DR

CR

Std D

Urg D

IAT

INT

DR

CR

A.
Field Tag

B.
Data Field

C.
Size

Record Type

01

02

03

04

01

02

03

04

06

07

01

02

03

04

06

07

H001

Originating Customer Identifier

16x

Customer Identifier of who is importing this file. Not supplied/populate by Bankline file Import process. For use by other channels

O

O

O

O

O

O

O

O

O

O

O

O

O

O

O

O

H002

Import File Name

50x

File name allocated by the customer Either use file name (Bankline Import) or value supplied here.

O

O

O

O

O

O

O

O

O

O

O

O

O

O

O

O

H003

Bank Identifier

4x

This will be derived by the mechanism authenticating the submitting customer.

O

O

O

O

O

O

O

O

O

O

O

O

O

O

O

O

T001

Record Type

2n

Defines what sort of payment is being advised.
01 - standard domestic
02 - urgent domestic (CHAPS)
03 - inter-account transfer
04 - international
06 - bulk list debit
07 - bulk list credit

M

M

M

M

M

M

M

M

M

M

M

M

M

M

M

M

T002

Template Indicator

1a

Defines whether the record type is a payment of a payment template creation. T - template.

M

M

M

M

M

T003

Template Reference

20x

Identity of payment/ bulk list template that is to be used to source this payment.

M

M

M

M

M

M

M

M

M

M

T004

Confidential Indicator

1a

Whether the bulk list template being created is to be marked confidential.

M

T005

Beneficiary Identifier

25x

Customer identifier for a beneficiary in a bulk list.

M

M

T006

Customer Payment Reference

18x

Reference allocated to the payment by the customer. 18 character available for standard domestic, otherwise 16x only.

O

O

O

O

O

O

O

O

O

O

O

O

T007

Destination Country

2a

The ISO country code to which the payment is to be made.

M

M

T008

Priority

1a

Priority to be allocated to the payment.
U - Urgent
N - Normal
L - Low value

M

M

T009

Routing Method

1a

Any special routing requirements for this payment.
'C' = Cheque/Draft (International only)

O

O

T010

Debit Account
Identifier

34x

The account to be debited for this payment.
Format as follows:
1. Sterling 14n (sort code, acc no.)2. RBS currency 14a (8a-3a3a) Customer key, Currency, Suffix. Note: there is a delimiter '-' between customer key and currency but no delimiter between currency and suffix e.g. HICCB-USDC
3. NW Currency 13n (3n/2n/8n) Currency, account type, account number e.g.140/02/00738212–––

M

M

M

M

M

M

M

M

M

M

M

M

M

M

T011

Debit Charges Account Identifier

34x

If a different account is to be debited for charges. Format as T010 Debit Account Identifier.

O

O

O

T012

Charges Code Type

3a

Charge code:
'OUR' = Remitter to pay RBS and agents charge
'BEN' = Beneficiary to pay RBS and agents charge
'SHA' = Shared

C

C

C

T013

Payment Currency

3a

The ISO currency code of the payment.

M

M

M

M

M

M

M

M

M

M

M

T014

Payment Amount

15n

The amount of the payment may have up to two decimal places–

M

M

M

M

M

M

M

M

M

T015

Execution Date

DATE

Date on which the payment is to be effected. Format ddmmyyyy e.g. 01102006.

M

M

M

M

M

M

T016

Credit Date

DATE

Date that funds are received by beneficiary bankers. Format ddmmyyyy e.g. 01102006.

M

M

M

T017

Ordering Institution BIC/NCC Identifier

16x

BIC or clearing code.

T018

Ordering Institution Name and Address 1

35x

Free-format name and address details of Financial Institution.

T019

Ordering Institution Name and Address 2

35x

T020

Ordering Institution Name and Address 3

35x

T021

Ordering Institution Name and Address 4

35x

T022

Account with Bank BIC/NCC Identifier

16x

BIC or clearing code e.g. sort code.

M

M

C

C

M

M

M

C

C

M

T023

Account with Bank Account Number

34x

T024

Account with Bank Name and Address 1

35x

Free-format name and address details.

T025

Account with Bank Name and Address 2

35x

T026

Account with Bank Name and Address 3

35x

T027

Account with Bank Name and Address 4

35x

T028

Beneficiary Account Number

Format is dependent on the type of payment.
1. Sterling see field 10 for format. Can be used for domestic payments.
2. RBS currency see field 10 for format. Can be used for currency IAT or international payment.
3. NW Currency see field 10 for format. Can be used for currency IAT or international payment.
4. IBAN. See Note for format. Can be used for international or currency IAT.
5. Local LVP account format. Can be used for LVP international payments only–––

M

M

M

C

M

M

M

M

C

M

T029

Beneficiary Institution BIC/NCC Identifier

16x

BIC or clearing code.

T030

Beneficiary Name and Address 1

35x

Free-format name and address details.

M

M

O

M

M

M

O

M

T031

Beneficiary Name and Address 2

35x

O

O

O

O

T032

Beneficiary Name and Address 3

35x

O

O

O

O

T033

Beneficiary Name and Address 4

35x

O

O

O

O

T034

Beneficiary Reference

18x

O

O

M

O

O

M

O

T035

FX Deal Reference

16n

The reference given to an FX deal.

C

C

C

C

T036

FX Deal Exchange Rate

15n

The exchange rate given to an FX deal. The format allows a maximum of 8 numerics before the decimal point and a maximum of 7 numerics after the decimal point.

C

C

C

C

T037

Information for Beneficiary 1

35x

Payment Details. For an IAT the credit account narrative may be entered in the first 18 characters.

O

O

O

O

O

O

O

T038

Information for Beneficiary 2

35x

C

C

C

C

C

C

C

T039

Information for Beneficiary 3

35x

C

C

C

C

C

C

C

T040

Information for Beneficiary 4

35x

C

C

C

C

C

C

C

T041

RTGS Required

1a

T042

Credit Currency

3a

ISO currency code of the destination country or your chosen currency for payment.

M

M

M

T043

Intermediary Bank BIC/NCC Identifier

16x

BIC or clearing code.

T044

Intermediary Bank Name and Address 1

35x

Free-format name and address details.

T045

Intermediary Bank Name and Address 2

35x

T046

Intermediary Bank Name and Address 3

35x

T047

Intermediary Bank Name and Address 4

35x

T048

Additional Codewords 1

4a

SWIFT codeword. These may be placed in Additional Codeword #1 through to #10. The values for codewords are:
'HOLD' = Pay on application
'CHQB' = Cheque
'INTC' = Intra company

O

C

O

C

O

C

T049

Additional Codewords Text 1

29x

Additional text to accompany the SWIFT codeword.

T050

Additional Codewords 2

4a

O

C

O

C

O

C

T051

Additional Codewords Text 2

29x

T052

Additional Codewords 3

4a

O

C

O

C

O

C

T053

Additional Codewords Text 3

29x

T054

Additional Codewords 4

4a

O

C

O

C

O

C

T055

Additional Codewords Text 4

29x

T056

Additional Codewords 5

4a

O

C

O

C

O

C

T057

Additional Codewords Text 5

29x

T058

Additional Codewords 6

4a

O

C

O

C

O

C

T059

Additional Codewords Text 6

29x

T060

Additional Codewords 7

4a

O

C

O

C

O

C

T061

Additional Codewords Text 7

29x

T062

Additional Codewords 8

4A

O

C

O

C

O

C

T063

Additional Codewords Text 8

29X

T064

Additional Codewords 9

4A

O

C

O

C

O

C

T065

Additional Codewords Text 9

29X

T066

Additional Codewords 10

4A

O

C

O

C

O

C

T067

Additional Codewords Text 10

29X

T068

Regulatory Reporting 1

35x

Code, country and narrative.

O

O

O

T069

Regulatory Reporting 2

35x

Additional narrative.

C

C

C

T070

Regulatory Reporting 3

35x

Additional narrative.

C

C

C

T071

Remittance Advice Indicator

1a

Can only contain <C> company letter head.

O

O

O

O

O

T072

Remittance Advice Beneficiary Address 1

35x

C

C

C

C

C

T073

Remittance Advice Beneficiary Address 2

35x

C

C

C

C

C

T074

Remittance Advice Beneficiary Address 3

35x

O

O

O

O

O

T075

Remittance Advice Beneficiary Address 4

35x

O

O

O

O

O

T076

Remittance Advice Beneficiary FAX Number

20x

O

O

O

O

O

T077

Remittance Advice Beneficiary Email Address

50x

O

O

O

O

O

Field

Conditions

T012
Charge Type Code–

Conditional for international payments. If Priority (T008) = 'L' and Currency code (T013) is not EURO or is EURO and destination country is not a SEPA country then charge type code must be 'OUR'. If Priority (T008) = 'L' and Currency code (T013) is EURO and destination country is a SEPA country then the charge type code must be 'SHA' or 'OUR'.

T022 -
Account with Bank BIC/NCC

For international payments: If Priority (T008) = 'L' and Currency code (T013) is completed but is not euro OR if Priority (T008) = 'L' and Currency code (T013) is Euro and Destination Country (T007) is not a SEPA country then the Account with Bank BIC/NCC (T022) must not be completed. In all other payments the Account with Bank BIC/NCC (T022) must be completed.

For inter-account transfers: If the credit account is a currency account then the Account with BIC/NCC must be blank else it
must be completed.

T028
Beneficiary Account Number–

Conditional for international payments. Must not be present for an international payment when Routing Method (T009) indicates
a cheque/draft or if any SWIFT codeword (#1 through to #10) contains CHQB. Otherwise mandatory.

T031 to T033
Beneficiary Name and
Address–

1. Can be optionally supplied when Beneficiary Name and Address #1 (T030) is present.
2. At least Field T031 and T032 must be completed for international payments with a routing method of 'C' or where international payment has a SWIFT codeword (#1 through to #10) containing CHQB.

T035
FX Deal Reference–

Only applies to Currency IATs and international payments. Must be present if FX Deal Exchange Rate (T036) is present. Otherwise, must not be present.

T036
FX Deal Exchange Rate–

Only applies to Currency IATs and international payments. Must be present if FX Deal Reference (T035) is present. Otherwise,
must not be present.

T038 to T040
Information for Beneficiary
#2-#4–

Conditional for urgent domestic, IAT and international record types. Can be optionally supplied when Information for Beneficiary
#1 (T037) is present. A line can only be present when the previous line has been supplied (i.e. line 4 can only be present when
line 3 supplied, line 3 can only be present when line 2 supplied).

T069 to T070
Regulatory Reporting Line 2/3–

Can only be present when Regulatory Reporting Line 1 (T068) is present. Note: T070 can only be present if T069 is supplied.

T073 to T075
Remittance Advice
Beneficiary Address–

Can be optionally supplied when Remittance Advice Beneficiary Address #1 (T072) is present. A line can only be present when the
previous line has been supplied (i.e. line 4 can only be present when line 3 supplied, line 3 can only be present when line 2 supplied).

T048 to T066
Additional Codewords #1
through to #10–

If Priority = L (international LVP payment) then the Additional Codewords #1 though to #10 must be blank.

T071
Remittance Advice Indicator
and T072 to T073 Remittance Advice
Beneficiary Address #1 to #2––

For standard domestic payments (payment type 01): If T071 Remittance Advice Indicator is supplied then T072 Remittance Advice
Beneficiary Address #1 and T073 Remittance Advice Beneficiary Address #2 are mandatory.

For bulk list templates (payment type 06 and 07): If T071 Remittance Advice Indicator is not supplied on the Bulk List Template Debit record (payment type 06) then T072 Remittance Advice Beneficiary Address #1 and T073 Remittance Advice Beneficiary Address #2 should not contain data for any CR record (payment type 07). If T072 Remittance Advice Beneficiary Address #1 is supplied on the Bulk List Template Credit record (payment type 07) then T073 Remittance Advice Beneficiary Address #2 is mandatory.

Bank Automated Clearing System.

BACS Payment Schemes limited is the company responsible for the
processing of standard electronic payments within the UK.

The BACS payment system operates in a 3-day cycle, whereby payments
are originated, processed and settled on a day in the payment life cycle.

Bank Identification Code.

This is the structured code used by SWIFT to uniquely identify a financial
institution, its country of operation, and its branches.

Domestic payments are those that are to be made to a beneficiary who is
domiciled within the UK (or Isle of Man, Jersey, Guernsey or Gibraltar).

Inter-account transfer.

An IAT is a payment made by a customer from one of their own accounts
to another of their accounts held with the same bank.

The standard identification code for a country, used to uniquely identify a
bank, branch or other financial institution (e.g. Sort Code in the UK, Fedwire
Number in the US).

The Royal Bank of Scotland Group.

The UK's national clearing code used to uniquely label a bank, branch or
other financial institution. The Sort Code is registered in the BACS Industry
database to show whether it is valid for use on Standard Domestic (BACS)
or Urgent Domestic (CHAPS) payments.

Society for Worldwide Interbank Financial Telecommunication.

SWIFT operate and regulate the secure network used to transmit many of
the inter-bank electronic payment messages that will originate from Bankline
i.e. International Payments, CHAPS, EBA, LVP and TARGET payments all
make use of the SWIFT infrastructure and structured message formats.

Date

Context

Meaning

Credit Date

Standard domestic
payments and bulk
list debit payments.

This is the date on which the receiving institution takes
possession of the funds.

Typically, this will also be the date on which the funds
are allocated to the beneficiary; however, this cannot
be guaranteed.

Execution Date

All payments without
a credit date.

This is the date on which the payment is processed
by the RBSG back-office system.

For same-day payments, it is also the keying date.

For future dated payments, it is the date on which the
payment is scheduled for release from the diary.