Citi Transaction Services

Channel & Enterprise Services

Exporting Account Statements in SAP® MT940 Format

Format User Guide

4th December 2014

 This document is provided for information purposes only and is neither a contract
nor an offer to contract.

This document is subject to change from time-to-time without notice.

Confidentiality Statement
The information contained in this document (and any additional information provided subsequently
in connection with this document) is confidential to Citi and is intended solely for the use of your
organization and its employees. This information may not be disclosed outside of your
organization, other than to professional advisers engaged specifically by your organization to
evaluate the document, and shall not be duplicated, used or disclosed in whole or in part for any
purpose other than to evaluate this document. If your organization discloses any information to
such professional advisers, it shall ensure that such persons maintain the confidential nature of
this document.

The information contained in this document is believed to be accurate, but Citi makes no
representation with regard to the accuracy or completeness of any information contained herein.

Citi is not acting in any advisory role in relation to legal, tax or accounting issues relating to this
document. You should obtain your own legal, tax or accounting advice.

Citi
For the purposes of this document “Citi” means Citigroup Inc and its immediate and subsequent
subsidiaries and affiliates.

Citi Transaction Services

transactionservices.citigroup.com

© 2014 Citibank N.A. All rights reserved. CitiDirect, Citi and the Citi and Arc Design are
trademarks and service marks of Citigroup Inc. or its affiliates and are used and registered
throughout the world. Citibank, N.A. is incorporated with limited liability under the National Bank
Act of the USA and has its principal business office at 399 Park Avenue, New York, NY 10043,
USA.

SAP is the trademark or registered trademark of SAP AG in Germany

and in several other countries.

SWIFT is a trademark of S.W.I.F.T. SCRL.

All other brands, products, and service names mentioned in this document are trademarks or
registered trademarks of their respective owners.

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 Table of Contents
1. Overview ........................................................................................ 5
2. SAP MT940 Format Rules ............................................................. 6
2.1. Record Tags ...................................................................................... 6
2.2. Record Structure and Sort Order ....................................................... 7
2.3. Field Lengths ..................................................................................... 8
2.4. Field Types ........................................................................................ 8
2.5. Delimiters .......................................................................................... 9
2.6. Character Set .................................................................................. 11
3. SAP MT940 Data Map .................................................................. 12
3.1. SWIFT Header Block ....................................................................... 12
3.2. Tag 20 - Transaction Reference Number ......................................... 15
3.3. Tag 25 - Account Identification ........................................................ 16
3.4. Tag 28C - Statement Number .......................................................... 17
3.5. Tag 60 - Opening Balance ............................................................... 18
3.6. Tag 61 - Statement Line .................................................................. 19
3.7. Tag 86 - Information to Account Owner ........................................... 24
3.8. Tag 62 - Closing Balance ................................................................ 29
3.9. Tag 64 - Closing Available Balance ................................................. 30
3.10. Tag 65 - Forward Available Balance ................................................ 31
3.11. Statement Terminator ...................................................................... 32
3.12. SWIFT Trailer Block......................................................................... 33
3.13. Sample File ..................................................................................... 34
4. SAP MT940 Code Reference Tables .......................................... 35
4.1. Entry Reason - Tag 61 Sub-Field 6.................................................. 35
4.2. Further Payment Description - Tag 86 Sub-Fields 3 to 12 ............... 37
5. SAP MT940 Configuration Options ............................................ 49
5.1. Overview ......................................................................................... 49
5.2. Controlling What Data Will Be Exported........................................... 50
5.2.1. Date Range............................................................................. 50
5.2.2. Date Type ............................................................................... 51
5.2.3. Data Filters ............................................................................. 54
5.3. Controlling When Data Will Be Exported.......................................... 55
5.3.1. Business Days ........................................................................ 55
5.3.2. Activity .................................................................................... 55
5.3.3. Wait for Data ........................................................................... 56
5.3.4. Incremental Options ................................................................ 57
5.4. Controlling Where Data Will Be Exported ........................................ 58
5.4.1. In Session Output ................................................................... 58
5.4.2. Automated Output ................................................................... 58
5.5. Controlling How Data Will Be Exported ............................................ 59
5.5.1. Transaction Codes .................................................................. 59
5.5.2. Branch and Account Identification ........................................... 61
5.5.3. Code Pages and Character Set .............................................. 62
5.5.4. Transaction Details ................................................................. 66
5.5.5. Field Labels ............................................................................ 71
5.5.6. Balances ................................................................................. 71
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 6. Glossary of Terms ....................................................................... 72
Index .................................................................................................... 74

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1. Overview

Data can be stored in a wide variety of application programs and data formats. Exchanging
information between Citi and your local environment in a transparent and secure manner is
essential in today’s database driven world.

Data Export, a Channel & Enterprise Services feature provided by Citi Transaction Services
(CTS), allows you to export data from Citi and write that information to a file in a selected format
so that it is available to you on your system.

CTS Channel & Enterprise Services supports a wide variety of standard file formats. This
document describes the SAP MT940 format for Customer Statements. Please contact your usual
Citi representative for details of other formats available from CTS.

The document is divided into the following sections.

 SAP MT940 Format Rules

This section provides details of the rules that define the SAP MT940 format. Exported
data will always comply with these rules, providing you with a consistent file interface.

 SAP MT940 Data Map

This section provides a detailed field-by-field analysis of the SAP MT940 format. Full
details are provided of the business information you will find in each field and how it will be
formatted.

 SAP MT940 Code Reference Tables

Some fields within the SAP MT940 format are populated with codes that set the context for
the data that follows. This section provides full details of the codes that can be used
together with their associated decodes.

 SAP MT940 Configuration Options

You can tailor the contents of your SAP MT940 files to suit your business needs using a
range of configuration parameters. This section provides details of the available
parameters. Please contact your usual Citi representative for assistance with setting or
changing these configuration options.

 SAP MT940 Glossary of Terms

The final section provides a table of definitions for terms, abbreviations and acronyms
used in this document.

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2. SAP MT940 Format Rules
SAP provides collaborative business solutions for all types of industries; SWIFT (Society for
Worldwide Interbank Financial Telecommunication) is a worldwide community of financial
institutions that agree on comprehensive messaging standards to communicate financial data that
can be used across different technology platforms.

SWIFT defines data specifications for many types of financial datasets; SWIFT MT940 is the
SWIFT standard for Customer Statements. SAP MT940 is SAP’s implementation of the SWIFT™
MT940 standard. This document describes the Citi implementation of the SAP/SWIFT standard.

Note particularly that the Citi implementation deviates from the standard in three key areas:
 Tag 60 - Opening Balance
The SWIFT standard for this tag specifies that the Booking Date sub-field should carry the
same date as the Booking Date sub-field of Tag 62 from the previous day’s statement.
The Citi implementation of the standard does not match the date to the previous Tag 62.
Instead, the Booking Date in Tag 60 will be matched to the Booking Date field of Tag 62 in
the same day’s statement.

 Tag 61 - Statement Line

The Reference for the Account Holder sub-field (sub-field 7) will always end with the //
delimiter, whether or not sub-field 8 is populated. The SWIFT standard specifies that the //
delimiter should be present at the start of sub-field 8, rather than the end of sub-field 7.
Therefore, as per the SWIFT standard, the // delimiter will only be present if sub-field 8 is
populated, whereas in the Citi implementation, the // delimiter will always be present.

 Tag 86 - Information to Account Owner

Citi uses a maximum field length of 2187 whereas the SWIFT MT940 standard specifies a
maximum length of 390 characters for this tag.

SAP MT940 uses standard rules in a number of areas to describe exported data and render it
usable by SAP workstations and applications. These rules, as implemented by Citi, are described
in the following sections.

2.1. Record Tags

SAP formats use record tags to introduce each line of data. The tag indicates the structure of the
data that follows it. Tags usually appear as 2-digits between colons (i.e. :##: ). In some cases
there is also a letter further describing the tag.

Several sub-fields can appear after a single tag. An SAP workstation that reads the exported file
can interpret the data following each tag using the SAP MT940 standard definition for that tag.
Individual fields or tags may or may not be required. A required field or tag is always present in
the export file. If a tag is not required, it may not appear within a particular record. In SAP MT940
format, fields that are not required are at the end of the field sequence in the tag. If a non-
required field is not present, the next character will be a CRLF, followed by the next tag.

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 2.2. Record Structure and Sort Order
There will be one set of records for each Branch/Account Number/Statement Date combination in
the export. The record order and structure for the export file are shown in detail in the SAP
MT940 Data Map section of this document.

The table below shows, at a high-level, what constitutes a complete set of records, and the order
in which they will appear in your files.

Record Tag Record Name Status

:20: Transaction Reference Number Required

:25: Account Identification Required

:28C: Statement Number Required

:60: Opening Balance Required

:61: Statement Line Optional

:86: Information to Account Owner Optional

:62: Closing Balance Required

:64: Closing Available Balance Optional

:65: Forward Available Balance Optional

-
Statement Terminator Required
(Hyphen)

Where the export covers multiple Branches/Accounts/Statement Dates, records will be grouped by
Branch, by Account Number within each Branch, and then by Statement Date within each Account
Number.

Taking an example of an export that includes four accounts (two for Branch A and two for Branch
B) with data exported for two statement dates, the records will be grouped in the file as follows.

All Records for Branch A, Account 1, Date 1 followed by

All Records for Branch A, Account 1, Date 2 followed by

All Records for Branch A, Account 2, Date 1 followed by

All Records for Branch A, Account 2, Date 2 followed by

All Records for Branch B, Account 3, Date 1 followed by

All Records for Branch B, Account 3, Date 2 followed by

All Records for Branch B, Account 4, Date 1 followed by

All Records for Branch B, Account 4, Date 2

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 2.3. Field Lengths
SAP MT940 field lengths can be either fixed or variable.

 Fixed-length fields are always the same number of characters in length. For example,
currency codes are always three characters long, in accordance with the SWIFT standard.

 Variable-length fields can be of different lengths. With variable-length fields, there will be a
delimiter or some other logical indicator to designate the end of the field.

In SAP MT940 format, all fields have a maximum length of 65 characters. If the data is longer
than 65 characters, it is split at that point and continued in the subsequent field.

2.4. Field Types

SAP MT940 export files can contain Character, Numeric and Date fields. The characteristics of
each type are shown in the table below.

Type Description

Character Character fields can contain alphanumeric characters.

Numeric fields consist of numbers only, and may or may not contain
decimal places. When present, decimals are separated by a comma.
The number of decimal places varies. For example, the number of
Numeric decimal places in a currency amount is determined by SWIFT standards.

Amounts are unsigned, that is not preceded by “-“ for negative numbers
or “+” for positive numbers. All amounts are associated with a code that
denotes whether they are positive (such as a credit) or negative (debit).

Date fields are represented in either YYMMDD or MMDD format, the

latter being used if the year has previously been specified. For example,
Date
January 2nd 2009 would be represented as 090102, or 0102 in shortened
format.

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 2.5. Delimiters
Delimiters are characters that separate data so that other applications can understand and use
the data in the exported text file.

Field delimiters mark the end of a value for a particular field, indicating that whatever follows it
belongs to the next field. Record delimiters indicate where one record ends and a new one
begins.

The following table provides a description of the characters used to delimit data within SAP
MT940 data files.

Delimiter Function

CRLF is a tag separator and always appears at the end of each tag. It
Carriage Return can also appear within a tag to separate optional “further reference”
Line Feed values appearing at the end of the tag, or if the line is greater than 65
(CRLF) characters in length. CRLF creates a line break and causes the next
character to start at the left margin of the page.

A hyphen followed by carriage return line feed marks the end of data for
Hyphen CRLF an account/date. Any tag following the hyphen belongs to a new
account/date.

Double Slash Where there is no other logical means to determine the end of a variable-
(//) length field, the double slash is used.

Single Slash A single slash is used in some cases where the value of a character field
(/) can be further broken down into separate sub-fields.

Question Mark
Used to introduce codes for certain sub-fields.
(?)

In SAP MT940 format, field delimiters are not always necessary. They are not required in the
cases described below.
 For fixed-length fields, the location of the end of the field is already known.
 In some variable-length fields, a delimiter is not required because, although the possible
values for that field are different lengths, there are only a few known possible values. In
this case, when one of those values is identified, it is known that the next character
belongs to the next field.
 Amount fields always end with a decimal separator, represented by a comma, which will
then be followed by the number of digits specified by SWIFT as decimal places for the
related currency. For example, 123, for a currency that does not support decimal places,
or 123,45 for a currency that supports two decimal places. Since this format is how all
amount fields end, this sequence sufficiently indicates the end of the field.

As with fields, the maximum number of characters in a record line is 65. If a record is longer than
65 characters, the CRLF character is inserted, and the data is continued on the next line.

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  Example of Delimiter Usage
To illustrate the delimiters, the following is an example of one SAP MT940 tag, with a description
of each element.

This example uses Tag 61, the Statement Line tag. There are other optional values that can
appear at the end of Tag 61 that are not shown in this example. For an explanation of all possible
fields that can be present here, please refer to the SAP MT940 Data Map section of this guide.

Example Segment

Breakdown of Example Segment

Item Data Description

1 :61: A SAP MT940 tag, indicating that this is a Statement Line.

2 100423 A fixed-length date field reflecting 23rd April 2010.

3 0428 A fixed-length date field, reflecting 28th April.

A variable length character field, allowing only four possible values and
4 D
therefore no field delimiter is required.

5 D A fixed length character field.

A variable length amount field. As the SWIFT MT940 specification

stipulates that this amount field always ends with decimal places,
6 418,86
represented by a comma followed by the decimal place digits, no field
delimiter is required to identifier where the field ends.

A fixed length character field consisting of two sub-fields, the first of one
7 NMSC
character in length and the second of two characters.
A variable-length character field; this field can contain up to 16
8 NONREF// characters. Since it can contain fewer than 16 characters, the end of
the field is marked by a double slash (//) delimiter.
A variable length character field the end of which is marked with a
9 1002
carriage return line feed.

10 A Carriage Return/Line Feed (CRLF).

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 2.6. Character Set
The character set that will be used in your output file will depend on the transactions being
exported and the code page that you are using.
The file will contain whatever characters are present in the underlying transaction data (which can
vary from country-to-country) subject to those characters being supported by your selected code
page.
For example, transactions in some countries may include local language characters (Cyrillic, for
example). Therefore, if you are using a code page for the export file that supports such local
language characters, they will be included in your file. Otherwise, they will be replaced with
question mark characters (“ ? “).
This means that your file can include any character that is supported by your selected code page.
Please refer to the Code Pages section of this document for more information on selecting a code
page for your output file.
Note that an additional option is available to control the character set that will be used in your files.
The Apply SWIFT Character Set X option can be used to ensure that your files include only those
characters that are supported by SWIFT Character Set X (shown in the table below). Any
character present in the underlying data but not shown in the table below will be converted to a
period character ( . ).
SWIFT Character Set X

Type Character

A B C D E F G H I J K L M

N O P Q R S T U V W X Y Z
Alphabetical
a b c d e f g h i j l ; M

n o p q r s t u v w x y z

Numeric 0 1 2 3 4 5 6 7 8 9

Forward Slash* / Comma , Period .

Special
Space Left Bracket ( Right Bracket )
Characters
Apostrophe ‘ Plus Sign + Question Mark ?

Ampersand & becomes + Plus Sign

Character if at the start of a
Hyphen - . Period
Conversions line becomes
if at the start of a
Colon : . Period
line becomes

* Note that the Apply SWIFT Character Set X option will not remove forward slash characters
in Tag 61 sub-fields 7 and 8. Refer to the Remove Tag 61 Forward Slash and Space
Characters configuration option for details of how to apply SWIFT character set rules to
these sub-fields.
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3. SAP MT940 Data Map
The tables below provide a description of the tags found in data files exported in SAP MT940 format. In cases where tags contain multiple sub-
fields, the sub-field elements and the means of identifying them are defined below the tag. Each table also contains example data for the tag
together with a sub-field by sub-field breakdown of the example. Note that all sample data is for illustrative purposes only and does not necessarily
represent data that will actually be present in live output files.

Notes:
 The Required/Optional status shown for each sub-field applies only when the main tag is present.
 The Field Length shown in the table does not include the length of the tag identifier

3.1. SWIFT Header Block

The fixed-length SWIFT Header Block will be present where the Add SWIFT Header configuration option has been selected. Where present, this
block marks the start of the data for an account. There will be one SWIFT Header Block per account/statement date combination. Where the Add
SWIFT Header configuration option has not been selected, Tag 20 will be the first record in your file.

Tag Field Name Type Length Status Comments

Start of Block Alphanumeric 1 Fixed Required This field will always be populated with {

Block Identifier Numeric 1 Fixed Required This field will always be populated with 1
SWIFT Header Block

Delimiter Alphanumeric 1 Fixed Required This field will always be populated with :

Application Identifier Alphabetic 1 Fixed Required This field will always be populated with F

Service Identifier Numeric 2 Fixed Required This field will always be populated with 01
By default this field will be populated with spaces, but you can
LT Address Alphanumeric 12 Fixed Required specify an LT Address to be used in your exports; please contact
your Citi representative for more information.
Session / Sequence Number Numeric 10 Fixed Required This field will be populated with ten zeroes.
End of Block Alphanumeric 1 Fixed Required This field will always be populated with }

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Tag Field Name Type Length Status Comments

Start of Block Alphanumeric 1 Fixed Required This field will always be populated with {

Block Identifier Numeric 1 Fixed Required This field will always be populated with 2

Delimiter Alphanumeric 1 Fixed Required This field will always be populated with :

Input/Output Identifier Alphabetic 1 Fixed Required This field will always be populated with O
SWIFT Header Block (continued)

Message Type Numeric 3 Fixed Required This field will always be populated with 940

Input Time Numeric 4 Fixed Required This field will always be populated with 00000
This field will be populated with the date on which the export file was
Input Date Date 6 Fixed Required
generated in YYMMDD format.
By default this field will be populated with spaces, but you can
Sender's Address Alphanumeric 12 Fixed Required specify a Sender’s Address to be used in your exports; please
contact your Citi representative for more information.
Session Number and ISN Numeric 10 Fixed Required This field will be populated with the ten zeroes.
This field will be populated with the date and time at which the
Output Date and Time Numeric 10 Fixed Required
export file was generated in the format YYMMDDHHMM.
Message Priority Alphabetic 1 Fixed Required This field will always be populated with N

End of Block Alphanumeric 1 Fixed Required This field will always be populated with }

Start Block Alphanumeric 1 Fixed Required This field will always be populated with {

Block Identifier Numeric 1 Fixed Required This field will always be populated with 4

Delimiter Alphanumeric 1 Fixed Required This field will always be populated with :

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Tag Field Name Example Data Comments
{1:F01 0000000000}{2:O9400000080213 00000000000
Complete Tag
802131627N}{4:
Start of Block {
Block Identifier 1
Delimiter :
Application Identifier F
Service Identifier 01
LT Address Spaces
Session & Sequence Number 0000000000
}
SWIFT Header Block

End of Block
Start of Block {
Block Identifier 2
Delimiter :
Input/Output Identifier O
Message Type 940
Input Time 0000
Input Date 080213
Sender's Address Spaces
Session Number & ISN 0000000000
Output Date and Time 0802131627
Message Priority N
End of Block }
Start Block {
Block Identifier 4
Delimiter : Followed by CRLF

Note that all sample data is for illustrative purposes only and does not necessarily represent data that will actually be present in live output files.
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 3.2. Tag 20 - Transaction Reference Number
Always present in your export file, this tag marks the start of the data for an account and carries a reference to uniquely identify the statement.
There will only be one Tag 20 per account/statement date combination.

Tag Field Name Type Length Status Comments

16 This field contains a statement-level reference, used to uniquely

Transaction Reference Number Alphanumeric Required
Variable identify the statement.

:20: Field Name Example Data Comments

Complete Tag :20:1111000011110
SAP Tag ID :20: To indicate the Transaction Reference Number tag
Transaction Reference Number 1111000011110 Followed by CRLF

Note that all sample data is for illustrative purposes only and does not necessarily represent data that will actually be present in live output files.

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 3.3. Tag 25 - Account Identification
Following Tag 20 and always present in your export file, Tag 25 identifies the account to which the statement relates. There will only be one Tag 25
per account/statement date combination.

Tag Field Name Type Length Status Comments

This field contains the account number for which balances and
transactions are being exported. You can elect for the account
number to be in IBAN or non-IBAN format. Please refer to the
Account Output Format Library configuration option for full details.

Additionally, for all third party bank accounts and Citi account
numbers in non-IBAN format, you can elect for the account number
to be prefixed with the SWIFT code of the third party bank or the
35
Account Identification Alphanumeric Required appropriate Citi branch code (ABA routing code for branches in the
Variable
United States of America and the SWIFT code for branches
elsewhere). A forward slash character ( / ) will separate the branch
code and account number. Refer to the Prefix Citi Account with
:25: Branch Code and Prefix Third Party Account with Branch Code
sections for further details.

Please contact your usual Citi representative for assistance with

setting or changing your configuration options.

Field Name Example Data Comments

Complete Tag :25:1234567890
SAP Tag ID :25: To indicate the Account Identification tag
Account Identification 1234567890 Followed by CRLF

Note that all sample data is for illustrative purposes only and does not necessarily represent data that will actually be present in live output files.

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 3.4. Tag 28C - Statement Number
Following Tag 25 and always present in your export file, Tag 28C carries a sequential Statement Number to identify the position of this statement in
the order of statements for this account. There will only be one Tag 28C per account/statement date combination.

Tag Field Name Type Length Status Comments

This field contains the Statement Number of the statement for

which details are being exported.
5
Statement Number Numeric Required
Variable The statement number is used to identify the position of this
statement in the overall sequence of statements for this account.
The number is incremented each day.

:28C:

Field Name Example Data Comments

Complete Tag :28C:697/1

SAP Tag ID :28C: To indicate the Statement / Page Number tag
Statement Number 697 Followed by CRLF

Note that a configuration option is available to control whether the tag for this field should be output as :28: or :28C:. Please refer to the Field
Labels section for further details.

Note that all sample data is for illustrative purposes only and does not necessarily represent data that will actually be present in live output files.

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 3.5. Tag 60 - Opening Balance
Following Tag 28C and always present in your export file, Tag 60 carries the opening balance of the account on the statement date. There will only
be one Tag 60 per account/statement date combination.

Tag Field Name Type Length Status Comments

25 This field contains the Opening Ledger Balance, and is a composite
Opening Balance Alphanumeric Required
Variable field consisting of the sub-fields listed below.
This sub-field indicates whether the balance in sub-field 4 is a
credit or debit balance. The valid values are:
Sub-Field 1 Credit / Debit ID Alphabetic 1 Fixed Required
 C = Credit balance
 D = Debit balance
This sub-field carries the date of the opening balance in YYMMDD
Sub-Field 2 Booking Date Date 6 Fixed Required
format.
This sub-field carries the ISO currency code of the currency in
Sub-Field 3 Currency Code Alphabetic 3 Fixed Required
which the balance is expressed.
This sub-field carries the amount of the opening ledger balance and
always ends with a comma followed by the number of decimal
Opening Ledger 15
:60F: Sub-Field 4 Balance Amount
Numeric
Variable
Required places designated for the currency code in SWIFT standards. Note
that the comma separator will be present even if the amount (or the
currency in which it is expressed) does not have decimal places.

Field Name Example Data Comments

Complete Tag :60F:D040528DKK211,43
Sub-Field SAP Tag ID :60F: To indicate the Opening Balance tag
1 Credit / Debit ID D To indicate a debit balance
2 Booking Date 040528 May 28, 2004
3 Currency Code DKK Danish Krone
Opening Ledger 211,43
4 211.43, followed by CRLF
Balance Amount

Note that all sample data is for illustrative purposes only and does not necessarily represent data that will actually be present in live output files.

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 3.6. Tag 61 - Statement Line
This tag contains transaction information and is optional. There will be one Tag 61 for each transaction exported; if there are no transactions
exported, Tag 61 will not be present in your export file. Optionally, each Tag 61 may be followed by an associated Tag 86. The entire repeating
group of Tag 61/Tag 86 pairs will always precede Tag 62.

Tag Field Name Type Length Status Comments

98 This field contains details of a transaction and is a composite field

Statement Line Alphanumeric Optional
Variable consisting of the sub-fields listed below.

This sub-field will be populated with the Value Date of the

Sub-Field 1 Value Date Date 6 Fixed Required
transaction in YYMMDD format.

This sub-field will be populated with the Entry Date of the

transaction in MMDD format. Where data is not available to
populate this sub-field, a configuration option allows you to select
whether it should be populated with spaces or whether it should be
Sub-Field 2 Entry Date Date 4 Fixed Optional suppressed. If suppressed, the Value Date sub-field will be
:61: followed immediately by the Credit/Debit ID sub-field.

Please contact your usual Citi representative for assistance with

setting or changing your configuration options.

This sub-field indicates whether the amount in sub-field 5 is a credit

or debit. The valid values are:
2  C = Credit amount
Sub-Field 3 Credit / Debit ID Alphabetic Required
Variable  D = Debit amount
 RC = Reversal of Credit (i.e. the amount is a debit)
 RD = Reversal of Debit (i.e. the amount is a credit)

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 Tag Field Name Type Length Status Comments

Where available, this sub-field will be populated with the third

character of the transaction’s currency code. Where data is not
available to populate this sub-field, a configuration option allows
you to select whether it should be populated with a space or
Sub-Field 4 Funds Code Alphabetic 1 Fixed Optional whether it should be suppressed. If suppressed, the Credit/Debit
ID sub-field will be followed immediately by the Amount sub-field.
Please contact your usual Citi representative for assistance with
setting or changing your configuration options.

:61:
(Cont) This sub-field carries the amount of the transaction and always
ends with a comma followed by the number of decimal places
15
Sub-Field 5 Amount Numeric Required designated for the currency code in SWIFT standards. Note that
Variable
the comma separator will be present even if the amount (or the
currency in which it is expressed) does not have decimal places.

Entry Method Alphabetic 1 Fixed Required This sub-field will be populated with the value N.

Sub-Field 6 This sub-field identifies, at a high-level, the type of transaction

Entry Reason Alphabetic 3 Fixed Required exported. For information on possible values, refer to the SAP
MT940 Code Reference Tables section.

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 Tag Field Name Type Length Status Comments
This sub-field contains any Transaction Reference Number
assigned to the transaction either by you for debits, or the sender
for credits. If no reference available, the field is filled with NONREF
(or NOTPROVIDED for SEPA transactions).
Note that if the original reference exceeds 16 characters in length,
this field will be populated with EREF. The full reference will be
output in Tag 86 using the codeword /ROC/.
The // delimiter marks the end of this sub-field. If sub-field 8 is not
Reference for the 16 populated, the CRLF character follows the // delimiter. If neither
Sub-Field 7 Alphanumeric Required
Account Owner Variable sub-field 8 nor sub-field 9 are populated, this CRLF signifies the
end of this tag.
Note that, by default, the reference output in this sub-field can start
and end with a forward slash character, as well as contain
embedded double forward slash characters. If this default
:61: behaviour is not suitable for your business needs, please refer to
(Cont) the Remove Tag 61 Forward Slash and Space Characters
configuration option for details of how to suppress these
characters.
This sub-field contains a reference assigned to the transaction by
Citi, or the third party bank for statements reported using Citi’s 3rd
party bank reporting service.
The CRLF character marks the end of this sub-field. If sub-field 9
is not populated it also marks the end of this tag.
Account Servicing
16
Sub-Field 8 Institution’s Alphanumeric Optional Note that, by default, the reference output in this sub-field can start
Variable
Reference and end with a forward slash character, as well as contain
embedded double forward slash characters. If this default
behaviour is not suitable for your business needs, please refer to
the Remove Tag 61 Forward Slash and Space Characters
configuration option for details of how to suppress these
characters.

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 Tag Field Name Type Length Status Comments

For Euro accounts, this sub-field may be populated with the

following codes.
 /OCMT/ - Original Currency and Amount
:61: EURO Related 34
Sub-Field 9 Alphanumeric Optional  /CHGS/ - Original Charges Currency and Amount
(Cont) Information Variable
For both of these codes, data is formatted with a three-character
currency code followed by an amount of up to 15 characters.

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 Tag Field Name Example Data Comments
:61:0405230528DK418,86NTRFNONREF//10002
Complete Tag
/OCMT/EUR58603,50
Sub-Field SAP Tag ID :61: To indicate the Statement Line tag
1 Value Date 040523 May 23, 2004
2 Entry Date 0528 May 28, 2004
3 Credit / Debit ID D To indicate a debit amount
4 Funds Code K The third character of the Currency Code (DKK)
5 Amount 418,86 418.86
Entry Method N
:61: 6
(Cont) Entry Reason TRF Transfer
Reference for the NONREF Followed by the // delimiter
7
Account Owner
Account Servicing
8 Institution’s 10002 Followed by CRLF
Reference
Followed by CRLF. This sub-field is further divided as follows:
/OCMT/ Indicates original currency and amount
EURO Related /OCMT/EUR58603,50 data will follow
9
Information EUR The original currency
58603,50 The original amount, followed by
CRLF

Note that all sample data is for illustrative purposes only and does not necessarily represent data that will actually be present in live output files.

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 3.7. Tag 86 - Information to Account Owner
This tag is optional and contains any further information on the transaction detailed in Tag 61, and will always follow the Tag 61 to which it relates.
Tag 86 will never be exported without an associated Tag 61. Note that Tag 86 will not be output if there is no additional information to populate in
sub-field 3.

Tag Field Name Type Length Status Comments

2187 This field contains any additional information available for the
Information to Account Owner Alphanumeric Optional
Variable transaction and consists of the sub-fields listed below.

To facilitate your account postings this sub-field will be populated

with a type code and description to indicate the business reason
underlying the transaction.

You can elect to receive either proprietary Citi Transaction Code

(CTC) Type Codes or generic BAI Type Codes.

This sub-field will be formatted in one of three ways, according to

whether CTC or BAI type codes have been selected in your
configuration options.

 Where you have selected to receive CTC codes (i.e. Standard

:86: Export), the sub-field will contain a CTC code, except for
Business
Sub-Field 1 Alphanumeric 3 Fixed Required accounts held at Citibank Delaware or New York (Citi branches
Transaction Code
920, 930 and 940). For these accounts, the sub-field will
contain the SWIFT Entry Reason (i.e. the same three-letter
code output in Tag 61 sub-field 6).

 Where you have selected to receive SAP Standard Export with

BAI Codes, the sub-field will contain a BAI type code.

 Where you have selected to receive SAP Non-Standard Export

with BAI Codes, this sub-field will contain 999. The BAI type
code will be output in the ?00 sub-field below.

Please contact your usual Citi representative for assistance with

setting or changing your configuration options.

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 Tag Field Name Type Length Status Comments

This sub-field will contain a description related to the Business

Transaction Code above.

The sub-field will be formatted in one of three ways, according to

whether CTC or BAI type codes have been selected in your
configuration options.

 Where you have selected to receive CTC codes (i.e. Standard

Export), the sub-field will contain “?00” followed a description
related to the CTC code exported in sub-field 1.

?00  Where you have selected to receive SAP Standard Export with
:86: Business 34 BAI Codes, the sub-field will contain “?00” followed by a
Sub-Field 2 Alphanumeric Optional
(Cont) Transaction Code Variable description related to the BAI code exported in sub-field 1.
Description
 Where you have selected to receive SAP Non-Standard Export
with BAI Codes, this sub-field will contain “?00/BAI/” followed
by a BAI Code and a description for that code.

For example “?00/BAI/206/INTERNAL TRANSFER”. Note that

the description may be truncated to meet the size limitations of
the sub-field.

For third party bank accounts, the transaction description output

will be as sent by the other bank; the sub-field will not be present in
the export file if the other bank did not send a description.

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 Tag Field Name Type Length Status Comments

These sub-fields contain additional information for the transaction.

65
Sub-Field 3 ?20 Alphanumeric Optional Each begins with the sub-field name, followed by a code and a
Variable
description related to the code. For details of possible codes, refer
to the SAP MT940 Code Reference Tables section.
65 Each new sub-field can contain either a new code and description,
Sub-Field 4 ?21 Alphanumeric Optional
Variable or a continuation from the previous sub-field if the description for
the previous code exceeds 65 characters.
For example, if the description in the ?22 sub-field is longer than 65
65
Sub-Field 5 ?22 Alphanumeric Optional characters, after the 65th character, the ?23 code appears and the
Variable
description continues into that sub-field. The next code will appear
at the start of sub-field ?24.
65 Note that sub-field 10 (?27) will be repeated to accommodate any
Sub-Field 6 ?23 Alphanumeric Optional
Variable codes that could not be included in other sub-fields of Tag 86.
Sub-field 10 will repeat until all codes have been exported, or until
:86: the sub-field 3 to 10 sequence exceeds 2080 characters (32 lines
(Cont)
65 of 65), whichever occurs first.
Sub-Field 7 ?24 Alphanumeric Optional
Variable
If you have selected to receive BAI Type Codes, the final sub-field
and code will always be “?27/REF/”, followed by the Reference for
the Account Owner (i.e. the value from Tag 61 sub-field 7).
65
Sub-Field 8 ?25 Alphanumeric Optional
Variable For standard exports, the sub-fields will appear in ascending order
of the sub-field name (e.g. if present, ?21 will never appear after
?22). However, where BAI Codes have been selected, sub-field
65 ?27 will always appear as the last sub-field in Tag 86. Therefore,
Sub-Field 9 ?26 Alphanumeric Optional in these circumstances, ?27 may follow ?30 or ?32.
Variable
Note that the order in which transaction information is exported in
your files can be customised. Please refer to the Transaction
Sub-Field 65 Details Configuration Library configuration option for more details.
?27 Alphanumeric Optional
10 Variable
CRLFs are inserted in Tag 86 after each 65th character.

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 Tag Field Name Type Length Status Comments

Where the data is available, this sub-field will be populated with

“?30/OB/” followed by the first 11 characters of the Ordering
Bank’s information.
Sub-Field ?30 15 This sub-field is usually mapped to the “Bank Number of Partner
Alphanumeric Optional
11 Ordering Bank Variable Bank” field in SAP and is truncated to meet the requirements of
the SAP field. Where available, full Ordering Bank information will
be exported in the sub-field 3 – 10 sequence, using the /OB/
Further Payment Description Code.

Where the data is available, this sub-field will be populated with

“?31” followed by the first 34 characters of the Ordering Party’s
Account Number.
Note that by default, this sub-field will not be output in your files.
?31
:86: Sub-Field 34 To receive this field, please contact your usual Citi representative
Ordering Account Alphanumeric Optional
(Cont) 12 Variable so that you client preference settings can be updated accordingly.
Number
Where account number data is not available for the transaction
and/or you have not requested the output of this data item, the
sub-field will not be output in your files (i.e. not even the “?31”
sub-field indicator will be output).

Where the data is available, this sub-field will be populated with

“?32/BO/” followed by the first 51 characters of the By Order Of
information.

Sub-Field ?32 55 This sub-field is usually mapped to the “Customer/Vendor First

Alphanumeric Optional Part” and “Customer/Vendor Second Part” fields in SAP and is
13 Ordering Party Variable
truncated to meet the requirements of those SAP fields. Where
available, full Ordering Party information will be exported in the
sub-field 3 – 10 sequence, using the /BO/ Further Payment
Description Code.

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 Tag Field Name Example Data Comments
:86:271?00CREDIT TRANSFER RECD?20/PY/PAYMENT DETAILS INFORMATION 
FOR THE BENEFICIARY OF THE TRA?21NSACTION?22/BN/BENEFICIARY NAME? 
23/BI/1234567890?24/BO/THE ORDERING PARTY NAME AND ADDRESS INFORM 
Complete Tag
ATION CODEWORD?25/RI/N?26/CHGS/EUR123,00?27/IB/AN INTERMEDIARY BA 
NK?30/OB/ORDERING BA?31GB123456789012345?32/BO/THE ORDERING PARTY
NAME AND ADDRESS INFORMATION COD 
Sub-Field SAP Tag ID :86: To indicate the Information to Account Owner tag
Business 271
1 Business Transaction Code
Transaction Code
2 ?00 ?00CREDIT TRANSFER RECD Business Transaction Code Description
?20/PY/PAYMENT DETAILS
3 ?20 INFORMATION FOR THE Payment Details codeword – 1st 65 characters
BENEFICIARY OF THE TRA
:86: 4 ?21 ?21NSACTION Payment Details codeword – remaining characters
(Cont)
5 ?22 ?22/BN/BENEFICIARY NAME Beneficiary Name codeword
6 ?23 ?23/BI/1234567890 Beneficiary Account ID codeword
?24/BO/THE ORDERING PARTY
7 ?24 NAME AND ADDRESS INFORMATION Ordering Party Name codeword
CODEWORD
8 ?25 ?25/RI/N Reversal Indicator codeword
9 ?26 ?26/CHGS/EUR123,00 Charges codeword
10 ?27 ?27/IB/AN INTERMEDIARY BANK Intermediary Bank codeword
11 ?30 ?30/OB/ORDERING BA Ordering Bank
12 ?31 ?31GB123456789012345 Ordering Party Account Number
?32/BO/THE ORDERING PARTY
13 ?32 NAME AND ADDRESS INFORMATION Ordering Party, followed by CRLF
COD

Note that all sample data is for illustrative purposes only and does not necessarily represent data that will actually be present in live output files.

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 3.8. Tag 62 - Closing Balance
Always present in your export file, this tag follows the final Tag 86 (or the final Tag 61 if Tag 86 was not exported). If no Tag 61s were exported, this
tag follows Tag 60. Tag 62 carries the closing balance of the account on the statement date. There will only be one Tag 62 per account/statement
date combination.

Tag Field Name Type Length Status Comments

25 This field contains the Closing Ledger Balance and is a composite
Closing Balance Alphanumeric Required
variable field consisting of the sub-fields listed below.
This sub-field indicates whether the balance in sub-field 4 is a
credit or debit balance. The valid values are:
Sub-Field 1 Credit / Debit ID Alphabetic 1 Fixed Required
 C = Credit balance
 D = Debit balance
This sub-field carries the date of the closing balance in YYMMDD
Sub-Field 2 Booking Date Date 6 Fixed Required
format.
This sub-field carries the ISO currency code of the currency in
Sub-Field 3 Currency Code Alphabetic 3 Fixed Required
which the balance is expressed.
This sub-field carries the amount of the closing ledger balance and
always ends with a comma followed by the number of decimal
Closing Ledger 15
:62F: Sub-Field 4 Balance Amount
Numeric
Variable
Required places designated for the currency code in SWIFT standards. Note
that the comma separator will be present even if the amount (or the
currency in which it is expressed) does not have decimal places.

Field Name Example Data Comments

Complete Tag :62F:D040528DKK730,29
Sub-Field SAP Tag ID :62F: To indicate the Closing Balance tag
1 Credit / Debit ID D To indicate a debit balance
2 Booking Date 040528 May 28, 2004
3 Currency Code DKK Danish Krone
4 Closing Balance 730,29 730.29, followed by CRLF

Note that all sample data is for illustrative purposes only and does not necessarily represent data that will actually be present in live output files.

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 3.9. Tag 64 - Closing Available Balance
This tag is optional; if present it follows Tag 62. Tag 64 carries the closing available balance of the account on the statement date. There will only
be one Tag 64 per account/statement date combination. Note that, by default, this tag will be output whenever Citi holds data to populate it.
However, if required, you can select for the tag to be suppressed using the Output Tag 64 – Closing Available Balance configuration option.

Tag Field Name Type Length Status Comments

25 This field contains the Closing Available Balance and is a
Closing Available Balance Alphanumeric Optional
Variable composite field consisting of the sub-fields listed below.
This sub-field indicates whether the balance in sub-field 4 is a
credit or debit balance. The valid values are:
Sub-Field 1 Credit / Debit ID Alphabetic 1 Fixed Required
 C = Credit balance
 D = Debit balance
This sub-field carries the date of the closing available balance in
Sub-Field 2 Booking Date Date 6 Fixed Required
YYMMDD format.
This sub-field carries the ISO currency code of the currency in
Sub-Field 3 Currency Code Alphabetic 3 Fixed Required
which the balance is expressed.
This sub-field carries the amount of the closing available balance
and always ends with a comma followed by the number of decimal
Closing Available 15
:64: Sub-Field 4 Numeric Required places designated for the currency code in SWIFT standards. Note
Balance Amount Variable
that the comma separator will be present even if the amount (or the
currency in which it is expressed) does not have decimal places.

Field Name Example Data Comments

Complete Tag :64:D040528DKK730,29
Sub-Field SAP Tag ID :64: To indicate the Closing Available Balance tag
1 Credit / Debit ID D To indicate a debit balance
2 Booking Date 040528 May 28, 2004
3 Currency Code DKK Danish Krone
4 Closing Balance 730,29 730.29, followed by CRLF

Note that all sample data is for illustrative purposes only and does not necessarily represent data that will actually be present in live output files.

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 3.10. Tag 65 - Forward Available Balance
Tag 65 carries the available balance of the account on the future date specified within the tag, and is optional. Used where funds become available
on dates after the date of the Closing Available Balance, if present it follows Tag 64 (or Tag 62 if Tag 64 was not exported). There may be multiple
Tag 65s on your statement, one for each future date on which a forward available balance is known. By default, this tag will be output whenever Citi
holds data to populate it. However, you can select for it to be suppressed using the Output Tag 65 – Forward Available Balance configuration.

Tag Field Name Type Length Status Comments

25 This field contains the Forward Available Balance and is a
Forward Available Balance Alphanumeric Optional
Variable composite field consisting of the sub-fields listed below.
This sub-field indicates whether the balance in sub-field 4 is a
credit or debit balance. The valid values are:
Sub-Field 1 Credit / Debit ID Alphabetic 1 Fixed Required
 C = Credit balance
 D = Debit balance
This sub-field carries the date of the forward available balance in
Sub-Field 2 Booking Date Date 6 Fixed Required
YYMMDD format.
This sub-field carries the ISO currency code of the currency in
Sub-Field 3 Currency Code Alphabetic 3 Fixed Required
which the balance is expressed.

This sub-field carries the amount of the forward available balance

and always ends with a comma followed by the number of decimal
:65: Forward Available 15
Sub-Field 4 Numeric Required places designated for the currency code in SWIFT standards. Note
Balance Amount Variable
that the comma separator will be present even if the amount (or the
currency in which it is expressed) does not have decimal places.

Field Name Example Data Comments

Complete Tag :65:D040531DKK55,43
Sub-Field SAP Tag ID :65: To indicate the Forward Available Balance tag
1 Credit / Debit ID D To indicate a debit balance
2 Booking Date 040531 May 31, 2004
3 Currency Code DKK Danish Krone
4 Forward Balance 55,43 55.43, followed by CRLF

Note that all sample data is for illustrative purposes only and does not necessarily represent data that will actually be present in live output files.
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 3.11. Statement Terminator
Always present in your export file, this tag marks the end of the data for an account/statement date combination.

Tag Field Name Type Length Status Comments

Statement Terminator Alphanumeric 1 Fixed Required A hyphen is always present to indicate the end of the Statement.
Terminator
Statement

Field Name Example Data Comments

Complete Tag -

Statement Terminator - Hyphen, followed by CRLF

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 3.12. SWIFT Trailer Block
The SWIFT Trailer Block will be present where the Add SWIFT Header configuration option has been selected. Where present, this block marks the
end of the data for an account. There will be one SWIFT Trailer Block per account/statement date combination. Where the Add SWIFT Header
configuration option has not been selected, the Statement Terminator will be the last record for the account.

Tag Field Name Type Length Status Comments

SWIFT Trailer Block

End of Block Alphanumeric 1 Fixed Required This field will always be populated with }

Field Name Example Data Comments

Complete Tag }

End of Block } Followed by CRLF

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 3.13. Sample File
The sample below illustrates how the individual tags described above are combined to form a file.

{1:F01 0000000000}{2:O9400000080213 00000000000802131627N}{4:

:20:1111000011110
:25:1234567890
:28C:697
:60F:D040528DKK211,43
:61:0405230528DK418,86NTRFNONREF//10002
/OCMT/EUR58603,50
:86:271?00CREDIT TRANSFER RECD?20/PY/PAYMENT DETAILS INFORMATION 
FOR THE BENEFICIARY OF THE TRA?21NSACTION?22/BN/BENEFICIARY NAME?
23/BI/1234567890?24/BO/THE ORDERING PARTY NAME AND ADDRESS INFORM
ATION CODEWORD?25/RI/N?26/CHGS/EUR123,00?27/IB/AN INTERMEDIARY BA
NK?30/OB/ORDERING BA?31GB123456789012345?32/BO/THE ORDERING PARTY
NAME AND ADDRESS INFORMATION COD
:62F:D040528DKK730,29
:64:D040528DKK730,29
:65:D040531DKK55,43
:65:D040601DKK75,01
-
}
:20:…(Data for the next statement follows here)
Note that all sample data is for illustrative purposes only and does not necessarily represent data that will actually be present in live output files.
 Note that the
®
characterth is used to indicate the presence of a Carriage Return Line Feed.
Exporting Data in SAP MT940 Format 4 December 2014 #18 Page 34 of 76
4. SAP MT940 Code Reference Tables

The following sections provide descriptions for the codes used in tags of the SAP MT940 export
format.

4.1. Entry Reason - Tag 61 Sub-Field 6

The table below provides descriptions of the codes that are used in the Entry Reason element of
sub-field 6 in Tag 61. Note that these codes will only be used where you have not opted for BAI
Type Codes to be output in Tag 61 using the Amend SWIFT / SAP Tag 61 configuration option.

Code Description
BNK Securities Related Item - Bank Fees
BOE Bill of Exchange
BRF Brokerage Fee
CAR Securities Related Item - Corporate Actions Related
CAS Securities Related Item - Cash in Lieu
CHG Charges and Other Expenses
CHK Cheques
CLR Cash Letters/Cheques Remittance
CMI Cash Management Item - No Detail
CMN Cash Management Item - Notional Pooling
CMP Compensation Claims
CMS Cash Management Item - Sweeping
CMT Cash Management Item -Topping
CMZ Cash Management Item - Zero Balancing
COL Collections (used when entering a principal amount)
COM Commission
CPN Securities Related Item - Coupon Payments
DCR Documentary Credit (used when entering a principal amount)
DDT Direct Debit Item
DIS Securities Related Item - Gains Disbursement
DIV Securities Related Item - Dividends
EQA Equivalent Amount
EXT Securities Related Item - External Transfer for Own Account
FEX Foreign Exchange
INT Interest
LBX Lockbox
LDP Loan Deposit
MAR Securities Related Item - Margin Payments/Receipts
MAT Securities Related Item - Maturity
MGT Securities Related Item - Management Fees
MSC Miscellaneous
NWI Securities Related Item - New Issues Distribution
ODC Overdraft Charge
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 Code Description
OPT Securities Related Item - Options
PCH Securities Related Item - Purchase
POP Securities Related Item - Pair-Off Proceeds
PRN Securities Related Item - Principal Pay-Down/Pay-Up
REC Securities Related Item - Tax Reclaim
RED Securities Related Item - Redemption/Withdrawal
RIG Securities Related Item - Rights
RTI Returned Item
SAL Securities Related Item - Sale
SEC Securities (used when entering a principal amount)
SLE Securities Related Item - Securities Lending Related
STO Standing Order
STP Securities Related Item - Stamp Duty
SUB Securities Related Item - Subscription
SWP Securities Related Item - SWAP Payment
TAX Securities Related Item - Withholding Tax Payment
TCK Travellers Cheques
TCM Securities Related Item - Tripartite Collateral Management
TRA Securities Related Item - Internal Transfer for Own Account
TRF Transfer
TRN Securities Related Item - Transaction Fee
UWC Securities Related Item - Underwriting Commission
Value Date Adjustment (used with an entry made to withdraw an
VDA incorrectly dated entry; this is followed by the correct entry with the
relevant code)
WAR Securities Related Item - Warrant

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 4.2. Further Payment Description - Tag 86 Sub-Fields 3 to 12
The table below provides details of the codewords and descriptions that are used in the Further Payment Description sub-field 3 to 12 sequence of
Tag 86.

As well as showing all the available codewords, the table also shows for which type of product each codeword is available.

A D in a Product Type column indicates that the codeword is available for the product type and will automatically appear in your files whenever data
is available (i.e. it is a Default codeword). This assumes that you have not selected to suppress the codeword with a Transaction Details
Configuration Library entry,

An L in a Product Type column indicates that the codeword is available for the product type, but will not appear in your files unless you create a
Transaction Details Configuration Library entry that includes the codeword (i.e. it is a Library only codeword).

Note that the Transaction Details Configuration Library can be used to control all codewords in the table below, whether they are Default or Library
only. However, regardless of the settings in your configuration library, a codeword will not be output in your files unless there is relevant data
available to follow it. For example, if the Ultimate Beneficiary Name is not available for a transaction, the codeword /UB/ will not be output in your
files, even if specifically requested with a configuration library entry.

Please contact your usual Citi representative for more information on the Transaction Details Configuration Library option.

Product Type
Codeword Description Type Length
BL DE FX FT LC MM SC Comments
/1F/ One Day Float Amount N 15 D
/2F/ Two Day Float Amount N 15 D
/3F/ Three Day Float Amount N 15 D
/4F/ Four Day Float Amount N 15 D
Beneficiary Bank Account ID / 34
/AB/ Name / AN or L L L D L L L
Address 70

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 Product Type
Codeword Description Type Length
BL DE FX FT LC MM SC Comments

Remitting Account in the case of an

incoming payment to a Citi account, or the
Beneficiary Account in the case of a direct
debit to a Citi account. Note that this
codeword will only be output by default if
/AC/ Remitting Account AN 35 D codeword /BE/ or /RM/ is also available for
the transaction. This dependency does not
apply if the codeword has been specifically
configured using a Transaction Details
Configuration Library entry.
Date and time when the transaction was
accepted. The date format is YYYYMMDD
and the time format is HHMMSS. A T will
separate the date and time.

The time will be followed by the offset

between the local time and Coordinated
Universal Time (UTC), which is the subject
of ISO standard 8601.
/ACDT/ Acceptance Date and Time AN 20 L L For example, if a financial institution in New
Zealand accepted the transaction at 15:15
local time on 10 January 2009, the
Acceptance Date and Time would contain:
/ACDT/20090110T151500+1300

Where 090110 is the date, 151500 is the

local time in New Zealand and +1300 is the
offset of local New Zealand time in January
against UTC (i.e. 13 hours ahead).
/AD/ Amount Sold A+N 3 + 15 D Amount follows the currency code.

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 Product Type
Codeword Description Type Length
BL DE FX FT LC MM SC Comments
Applicants’ Letter of Credit
/ALCR/ AN 16 D D
Reference
/AO/ Amount Bought A+N 3 + 15 D Amount follows the currency code.
/AR/ Additional Requisite AN 57 D
/AS/ Actual Settlement Date Date 8 D
/BA/ Payment Condition AN 90 D
/BB/ Repayment Condition AN 90 D
/BBLR/ Citi Billing Reference AN 16 D
Remitting Bank code in the case of an
incoming payment to a Citi account, or the
Collecting bank code in the case of a direct
debit to a Citi account. Note that a CitiDirect
/BC/ Remitting Bank Code AN 30 D L
client configuration setting can be used to
select for the bank code to be prefixed with
the text BL; please contact your usual Citi
representative for more information.

/BCN/ Broker Name AN 35 D

This code will be followed by the Beneficiary
Party Name, if provided by clearing. Note
that this codeword will only be output by
default if codeword /AC/ is also available for
/BE/ Beneficiary Name AN 35 L
the transaction. This dependency does not
apply if the codeword has been specifically
configured using a Transaction Details
Configuration Library entry.
/BI/ Beneficiary Account/ID AN 34 L L L D L L L

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 Product Type
Codeword Description Type Length
BL DE FX FT LC MM SC Comments
/BLCR/ Citi Letter of Credit Reference AN 16 D D
35
/BN/ Beneficiary Name / Address AN or L L L D L L L
5 x 35

Note that the type of ID (up to 35 characters)

/BNC/ Beneficiary ID Type and ID AN 71 L L L D* L L L and a plus sign will be shown before the ID
Code.

This codeword will be populated with any

invoice reference assigned by the
beneficiary. For Danish UDUS, the
codeword will be followed by the text
Creditor Reference Type + 25 or
/BNREF/ AN L UDUS+, followed by a reference of up to 25
Creditor Reference 19
characters. For Danish FI Cards, the
codeword will be followed by the text FI
CARD+, and a reference of up to 19
characters.
By Order Of Account ID / 34
/BO/ Name / AN or L L L D L L L
Address 70

/BO1/ By Order Of Name AN 70 L L

/BO2/ By Order Of Address 1 AN 35 L L
/BO3/ By Order Of Address 2 AN 35 L L
/BO4/ By Order Of Address 3 AN 35 L L
/BO5/ By Order Of Address 4 AN 35 L

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 Product Type
Codeword Description Type Length
BL DE FX FT LC MM SC Comments
Note that the type of ID (up to 35 characters)
Ordering Party (Debtor) ID
/BOC/
Type and ID
AN 71 L L L D* L L L and a plus sign will be shown before the ID
Code.
/BR/ Bought Remitting Instruction AN 125 D
/BTC/ Tax Code AN 12 D
/CA/ Charges Account AN 35 D
/CBLR/ Remitter/Drawer Bill Reference AN 16 D
/CD/ Contractual Settlement Date Date 8 D
/CDT/ Cheque Issuance Date Date 8 L
/CE/ Contract Rate N 15 D
/CF/ Contract Period From Date Date 8 D
Valid values:
 LCA - Letter of Credit Amendment Charge
/CH/ Charge Type A 3 D  LCO - Letter of Credit Opening Charge
 BOA - Bills Original Amount
 BCA - Bills Charge Amount

/CHG2/ Sender Charges Amount 2 AN 3 + 15 L L Amount follows the currency code.

/CHGS/ Charges Currency and Amount AN 3 + 15 L D Amount follows the currency code.

/CHN/ Cheque Number AN 35 L L

/CM/ Charges - Currency & Amount A+N 3 + 15 D Amount follows the currency code.
/CN/ Sub Custodian Centre N 3 D
/CO/ Contract Period To Date D 8 D

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 Product Type
Codeword Description Type Length
BL DE FX FT LC MM SC Comments
/CPC/ Category Purpose Code AN 35 L For CEEMEA Mass Payments
/CR/ Confirmation Reference AN 35 D
/CY/ Company Name AN 35 D
/DC/ Company Description AN 105 D
For SEPA Direct Debit transactions, this is
/DSEQ/ Transaction Type AN 34 L L
the Direct Debit Sequence.
/DV/ Dividend Rate N 15 D
/ED/ Entitlement Date D 8 D
Where available, the first 160 characters of
/EI/ Extra Information AN 160 D D D D any Payment Details for the transaction will
follow this code.
/ER/ Exchange Rate N 15 L D D
/FXCM/ FX Commission N 10 L
/FXREF/ FX Contract Reference AN 35 L L L L L L L
34
/IB/ Intermediary Bank Account/ID AN or D
70
/IP/ Interest Payment Condition AN 90 D
/IR/ Interest Rate N 15 D
A unique ID, as assigned by the instructing
/IREF/ Instruction ID AN 35 L L L L L L L party, to unambiguously identify the
instruction.

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 Product Type
Codeword Description Type Length
BL DE FX FT LC MM SC Comments
Valid values:
 P - Principal
 I - Income
/LOC/ Location Code Securities A 1 D  R - Represented by receipt
 Y - Held Elsewhere
 D - Represented by due bill

For SEPA Direct Debit transactions, this is

/LOCI/ Service AN 35 L L
the Local Instrument Code.
Unique identification, as assigned by the
/MREF/ Unique Mandate Reference AN 35 L L creditor, to unambiguously identify the
mandate.
/NA/ Nominal Currency and Amount A+N 3 + 15 D Amount follows the ISO Currency Code.
Reason for non-acceptance
/NAC/ AN 4 L
(Code)
Reason for non-acceptance
/NAP/ AN 35 L L
(Text)

Reason for non-acceptance

/NAT/ AN 35 L
(Additional Text)

/NN/ Number of Days Notice N 3 D

/NND/ Net Next Day Total Cash Value N 15 D
Net Same Day Total Cash
/NSD/ N 15 D
Value
/OA/ Original Currency and Amount A+N 3 + 15 L D Amount follows the ISO Currency Code.
Ordering Bank Account ID / 34
/OB/ Name / AN or L D
Address 70

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 Product Type
Codeword Description Type Length
BL DE FX FT LC MM SC Comments
Originating Bank Account ID / 34
/OK/ Name / AN or D
Address 70

This codeword is used to identify when

information has been suppressed in your file
because you selected the Suppress Payroll
Data configuration option.

Note that this codeword will only appear in

your files if it has been specifically
configured using a Transaction Details
Configuration Library entry.
/PAYSUP/ Payroll Suppression Indicator A 1 L L L L L L L
Where it has been configured, and data has
been suppressed, the codeword will be
output in the format PAYSUP:Y. The
codeword will not appear in your file in any
other situation.

Please refer to the Suppress Payroll Data

configuration option for further details.
Where available, this codeword is used to
output the category code that you provided
in your import file when initiating the original
transaction. In particular, this codeword can
/PC/ Purpose Code A 4 L L be used to identify salary payments, in which
case the output will be “/PC/SALA”. Please
refer to the Suppress Payroll Data
configuration option for further details about
this codeword.
/PDC/ Payment Details Code AN 35 D

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 Product Type
Codeword Description Type Length
BL DE FX FT LC MM SC Comments
/PI/ Principal Income A 1 D P = Principal, I = Income.

Available only for Russian domestic

transfers, this code word will be optionally
populated to show the Payment Order Date.
It signifies the date of the payment document
(when the payment was created).
/POD/ Payment Order Date D 8 L
Note that this label will only appear in your
files if it has been specifically configured
using a Transaction Details Configuration
Library entry.
Unique ID, as assigned by the sender, to
Payment Information ID (Batch
/PREF/ AN 35 L L L L L L L unambiguously identify the payment
Reference)
information group within the message.
Contains Payment Details for the transaction
(up to 4 lines of 35 characters each).
May also contain embedded codewords; e.g.
/PY//ACC/BENEFICIARY BANK INFO.
/PY/ Payment Details AN 490 D D D D D D Valid embedded codewords are:
 /ACC/ = Details are for the Bene Bank
 /BNF/ = Details are for the Bene Institution
 /INFO/ = Details are for information only
 /REC/ = Details are for the Receiver
 /RFB/ = Details are for the Beneficiary
/PY01/ to 40 x These codewords will be populated with any
Extended Payment Details AN L L
/PY40/ 140 additional payment details that are available.

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 Product Type
Codeword Description Type Length
BL DE FX FT LC MM SC Comments

Information supplied to enable the

matching/reconciliation of an entry with the
Original Remittance Information
/PYO/ AN 140 L L L L L L L items that the payment is intended to settle,
(Payment Details)
such as commercial invoices in an accounts'
receivable system, in an unstructured form.

/RD/ Remittance Data AN D D

/REF/ Ref for the Account Owner AN 490 D D D D D D D
/REGC/ Reject Code AN 10 D Rejection reason code from clearing.
/RI/ Reversal Indicator A 1 D D R = Reversal.

Ordering Party Name (if provided by

clearing). This codeword will only be output
by default if codeword /AC/ is also available
/RM/ Remitter's Name AN 140 L for the transaction. This dependency does
not apply if the codeword has been
specifically configured using a Transaction
Details Configuration Library entry.

/ROC/ Original Customer Reference AN 35 L L L D* L L L

/RTDES/ Return Description AN 105 L
/SCID/ SEPA DD Scheme ID AN 35 L L
/SK/ Safekeeping Account AN 35 D
Related Security Mnemonic +
/SN/ A+N 4 + 12 D
Related Security Number
/SR/ Sold Remitting Instruction AN 125 D
/ST/ Security Type N 3 D
/TAX/ US Tax Codes N 4 D
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 Product Type
Codeword Description Type Length
BL DE FX FT LC MM SC Comments
/TC/ Trade Confirm Number N 16 D
Transaction Count For Bulk
/TCOUNT/ N 12 L L L L L L L
Movement
/TD/ Trade Date D 8 D
/TT/ Transaction Type N 2 D
/TX/ Tax Deducted Indicator A 1 D Y = Yes.
For FX movements in Ukraine, this
/UAMR/ Market Rate N 12 L codeword will carry the Market Rate.
For FX movements in Ukraine, this
/UASP/ Spread N 12 L codeword will carry the Spread.

Ultimate Beneficiary (Ultimate

/UB/ AN 70 L L L L L L L
Creditor) Name

Ultimate Beneficiary (Ultimate The type of ID (up to 35 characters) and a

/UBC/ AN 71 L L L L L L L
Creditor) ID Type and ID plus sign will be shown before the ID Code.
/UIP/ Unique Payment Reference AN 35 L For Russian accounts only
/UR/ Ultimate Debtor Name AN 70 L L L L L L L
The type of ID (up to 35 characters) and a
/URC/ Ultimate Debtor ID Type and ID AN 71 L L L L L L L plus sign will be shown before the ID Code.

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 Keys: Type
 A = Alphabetic
 N = Numeric
 AN = Alphanumeric
 D = Date (YYYYMMDD format)

Product Type Headings

 BL = Billing Information
 DE = Data Entry/Low Value Clearing
 FX = Foreign Exchange
 FT = Funds Transfer
 LC = Letter of Credit
 MM = Money Market
 SC = Securities

Product Type Detail

 D = Codeword is available by default
 L = Codeword is only available if configured in the
Transaction Details Configuration Library

* Note that a red asterisk next to a D indicates that, for Funds Transfers,
the codeword is only output by default if the transaction is a SEPA Credit
Transfer. For other types of Funds Transfer, the codeword is only
available via the configuration library.

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5. SAP MT940 Configuration Options

5.1. Overview
Citi provides a number of configuration options for your SAP MT940 exports. These options can
be used to expand or restrict the dataset that will be present in your output files as well as to
control the format of certain fields and sub-fields.

The configurations, individually or in combination, provide a powerful mechanism for tailoring the
content and presentation of your files, allowing them to integrate with your operational processes
and meet your business needs.

Collectively, the configuration settings associated with each export file you receive are known as
an Export Profile. You will receive one output file for each export profile and there is no limit to the
number of export profiles that can be created for you.

Therefore, this export profile facility allows you to select different configurations for different
datasets you receive, reflecting the business context of the data and how it is integrated into your
reconciliation and account posting processes.

The configurations that are available fall into four categories - What, When, Where and How.

 Controlling what data will be exported

These configurations govern the extent of the dataset that will be exported. For example,
your underlying dataset can be filtered to include only data for specific accounts. Note that
an export file cannot contain more than 40,000 records; if the dataset to be exported
contains more than this limit, no file will be produced. If your dataset is likely to include
more than 40,000 records, please contact your Citi representative so that your ‘what’
configuration options can be set in such a way that the limit is not exceeded.

 Controlling when data will be exported

These configurations control when an export file will be generated. For example, you can
arrange for a file to be generated only once all account processing has been completed for
a given day, ensuring that you never receive partial data for your accounts.

 Controlling where data will be exported

This section describes how to set export profile configurations that control where your data
set will be delivered when your export is executed. For example, you can arrange for your
statement export to be delivered to an email address.

 Controlling how data will be exported

These configurations govern certain field-level formatting attributes for your data. For
example, to assist with uniquely identifying accounts in your file, you can opt for your Citi
account numbers to be prefixed with the relevant Citi branch code.

The configurations in each category are described in full in the following sections.

Please contact your usual Citi representative for further details or for assistance with setting or
changing any of these configuration options.

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 5.2. Controlling What Data Will Be Exported
The sections below describe the configuration options that can be used to govern the extent of the
dataset that will be exported in your output file. These configurations allow you to specify, for
example, the period of time that the export should cover, which of your accounts should be
included and so on.

Note that an export file cannot contain more than 40,000 records; if the dataset to be exported
contains more than this limit, no file will be produced. If your dataset is likely to include more than
40,000 records, please contact your Citi representative so that your ‘what’ configuration options
can be set in such a way that the limit is not exceeded.

5.2.1. Date Range

The table below describes the Date Range configuration options.

Configuration Option Details

As part of creating your export profile, a start date and an end date will be set
that together define the period for which data will be retrieved.
Select by
Relative / Each output file you receive will contain only those items of business data that
Absolute Dates have a key business date that falls within the retrieval date range set for the
export profile. Please refer to the Date Type configuration for details of key
business dates.

You can specify the retrieval date range using either relative or absolute dates.

Select by A relative date or date range is most suited to output files that are delivered to
Start Date / you at regular intervals. Relative dates reflect a day, or number of days,
End Date relative to the date on which the file is delivered to you.

For example, if you perform account reconciliations each day you may want to
always receive the previous day’s business data in your daily output file. In this
case, the retrieval date range would be set with a start date of -1 day and an
end date of -1 day. On the other hand, weekly business data can be delivered
Select by to you using an export profile with a start date of -7 days and an end date of -1
Start Time / day.
End Time
An absolute date or date range is best suited to a one-off delivery of data and
reflects a specific calendar date or range of dates.

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 5.2.2. Date Type
The table below describes the Date Type configuration options.

Configuration Option Details

Each output file you receive will contain only those items of business data that
have a key business date that falls within the retrieval date range set for the
export profile.

A configuration option covers which business date type should be used for
Select by retrieving data. Your export profile can be set with the option that provides
Statement Date results to best suit how you will be using the data delivered in your output files.
The three options are shown below.

Statement Date
Your file will contain statement-level information (e.g. balances) for each
Statement Date in the date range, together with transaction-level
information for all transactions that appeared on the selected
statements, regardless of transaction Entry Date and Value Date
(Statement Date will be taken from the Booking Date field of Tag 60).
Entry Date
Select by
Entry Date Your file will contain transaction-level information for every transaction
with an Entry Date in the date range, regardless of transaction Value
Date. Statement-level information will be output from each statement
on which those transactions originally appeared.
Value Date

Your file will contain transaction-level information for every transaction

with a Value Date in the date range, regardless of transaction Entry
Date. Statement-level information will be output from each statement
on which those transactions originally appeared.

Value Date including Back Values

Select by
Value Date Your file will contain transaction-level information for i) every transaction
with a Value Date in the date range, regardless of Entry Date plus ii)
every transaction with a Value Date before the start of the date range
and an Entry Date within the date range (i.e. back valued transactions).
Statement-level information will be output from each statement on which
those transactions originally appeared.

Note that where either Entry Date, Value Date or Value Date including Back
Values have been selected, balances present in your file will not be
recalculated to reflect the fact that the file may only contain a sub-set of the
Select by
transactions from the original statement. In other words, the opening balance
Value Date exported for an account, plus the sum of the transactions present in the file,
including
may not equal the exported closing balance.
Back Values
More details of the Entry Date, Value Date and Value Date including Back
Values selection criteria are given below, however Citi generally recommends a
selection of Statement Date for your output files.

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Configuration Option Details

 Entry Date versus Statement Date : General

The key differences between these two selections are the additional
configuration options available with the Statement Date selection, as
shown below.

Output When Activity Only

The Statement Date selection offers the choice of switching the
Output When Activity Only configuration on or off. This means that
you can choose to still receive a file (of account balances) on days
when there are no transactions. With an Entry Date business date
type, the Output When Activity Only indicator is implied and cannot
be switched off; you will not receive any output on days when there
are no transactions.
Wait for All End of Day Statement Data
The Statement Date selection offers the Wait for All End of Day
Statement Data configuration and therefore allows you to ensure
that you only ever receive a single file containing full and final end
of day data for all the accounts associated with the export profile.
Business The Entry Date business date type does not offer this option; your
Date Type file will contain whatever transactions are available at the time the
Comparison file is generated, whether or not this is the final position for all the
accounts associated with the export profile.
Entry Date
versus
Statement Date  Entry Date versus Statement Date : Citi Accounts
For Citi accounts, the Entry Date of a transaction will always be the same
as the Statement Date of the statement on which it appears. For example,
a transaction with an Entry Date of 3rd April will only appear on the
statement with a Statement Date of 3rd April.
This means that for Citi accounts, a business date type selection of
Statement Date will result in exactly the same output as a selection of
Entry Date (assuming that all other configuration settings remain the
same).

 Entry Date versus Statement Date : Third Party Bank Accounts

Third Party Banks report information to Citi in SWIFT MT940 format. Since
Entry Date is an optional sub-field in a SWIFT MT940, it is possible that it
may not be reported to Citi by the other bank. Transactions where Entry
Date has not been supplied will not be exported if a business date type
selection of Entry Date has been made.

Therefore, Citi recommends that you do not select a business date type of
Entry Date for any export profiles that will contain third party bank
accounts.

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Configuration Option Details

 Value Date versus Statement Date : General

The Output When Activity Only and Wait for All End of Day Statement Data
configurations are available with the Statement Date selection, but not with
Value Date or Value Date including Back Values. The impact is exactly as
detailed in the Entry Date versus Statement Date section above.

 Value Date versus Statement Date : Account Balances

With a business date type of Statement Date, the Opening Ledger
Balance, plus the transactions exported in your file will always equal the
Closing Ledger Balance.

However, where Value Date (or Value Date including Back Values) has
been selected, this may not remain the case. Your output file will contain
any transactions with a Value Date in your chosen date range, divided into
the statements to which those transactions are related. Each statement
will show its original ledger and available balances; they will not be
updated to reflect the fact that your file may only contain a sub-set of the
Business transactions from the original statement.
Date Type
Comparison For example, with two transactions both with Value Date T, but one from
Statement Date T-1 and the other from Statement Date T-2, a Value Date
Value Date export requested for date Value Date T will contain –
versus
Statement Date  A complete set of records for Statement Date T-1
i.e. the following tags will be present:
:20:
:25:
:28C:
:60: (with Opening Ledger Balance for T-1)
:61: / :86: (with Transaction 1)
:62: (with Closing Ledger Balance for T-1)
:64: (with Closing Available Balance for T-1)
 A complete set of records for Statement Date T-2
:20:
:25:
:28C:
:60: (with Opening Ledger Balance for T-2)
:61: / :86: (with Transaction 2)
:62: (with Closing Ledger Balance for T-2)
:64: (with Closing Available Balance for T-2)

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 5.2.3. Data Filters
The table below describes the Data Filter configuration options.

Configuration Option Details

The retrieval date range defines the high-level dataset that will be included in
your output file.

You can further refine the dataset by applying one or more data filters that will
Restrict by limit the scope of your export.
Bank Branch Number
You can select to filter your dataset by any combination of:
 Account Number
 Account Currency
 Bank Branch Number

For example, you may wish to receive separate files for certain accounts or
account currencies. In this situation multiple export profiles can be created and
you will receive one file for each export profile. The profiles would each use
different Account Number filters to restrict the file contents to just the required
Restrict by
accounts.
Account Number
If no filters are selected, the export will include all data with a key business date
within the date range specified, for all accounts, branches and currencies
available.

Data filters are often used to mitigate the issues that can arise if you hold
accounts across different time zones.

For example, there is a two hour time difference between the United Kingdom
Restrict by and Greece. Therefore, account statements for Greek accounts will not
Account Currency become available until approximately two hours after those for UK accounts.
Including both UK and Greek accounts in the same file can therefore mean a
delay of two hours for the UK statements. In this situation, data filters would be
used to produce separate files for each location, allowing each country’s
statements to be delivered as soon as they are available.

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 5.3. Controlling When Data Will Be Exported
The sections below describe the configuration options that can be used to govern when an export
file will be generated. These configurations allow you to specify, for example, that a file should be
generated only once all account processing has been completed for a given day, ensuring that
you never receive partial data for your accounts.

5.3.1. Business Days

The table below describes the Business Days configuration option.

Configuration Option Details

This option can be used to align the contents of your files with your business’s
working week. The configuration lets you select whether an export file should
be produced for all days, or only for business days.

When selected, the start date and end date of your export profile will be
Output for evaluated for business days only.
Business Days
Only For example, a file delivered on Monday from an export profile with a retrieval
date range of -1 to -1 will deliver data from Friday (assuming that Saturday and
Sunday are non-working days for the country). This is because, in this
example, Friday represents -1 business day from the delivery date. Without the
option selected, Monday’s file will deliver (or attempt to deliver) data for Sunday
as that is -1 calendar day from the delivery date.

5.3.2. Activity
The table below describes the Activity configuration option.

Configuration Option Details

This configuration option is generally used where export files are based on
statement-level data (i.e. a Date Type of Statement Date) and you have any
business or technical processes that will fail if a file is delivered that does not
Output When
contain transactions.
Activity Only
With the option selected, a file will only be delivered on days when there are
transactions across the accounts associated with the export profile.

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 5.3.3. Wait for Data
The table below describes the Wait for Data configuration option.

Configuration Option Details

Typically, this configuration option is used if your reconciliation and posting

processes rely on having a single file for your selected accounts for each
statement date.

With the option set, an output file will only be delivered if end of day statement
data is available for all the accounts associated with the export profile; this is
an ‘all or nothing’ configuration option.

If you access the CitiDirect online banking platform to obtain your files (i.e. they
are not delivered to you automatically), if one or more MT940s are not
available, the export profile will go to an incomplete status and no data will be
delivered.

For automated exports (AFRD), if at the usual delivery time of your file, end of
Wait for
day statement data is not available for one or more accounts, delivery will be
All End of Day
held for 30 minutes. If all data is available after 30 minutes, a file will be
Statement Data
delivered to you otherwise delivery will be held for a further 30 minutes. This
process will repeat for a maximum of eight hours.

At the end of eight hours, if end of day statement data for one or more accounts
is still unavailable, your file delivery for that day will be suspended and no
export file will be generated

Note that because this configuration option is related to all end of day
statement data rather than being restricted to transaction-level data, it is only
available if you have selected a Date Type of Statement Date for your export
profile.

Additionally, note that this option only applies to Citibank accounts; it does not
apply to statement delivery on third party bank accounts.

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 5.3.4. Incremental Options
The table below describes the Incremental Options configuration options.

Configuration Option Details

This configuration option is used if you are exporting end of day (EOD) data
and your reconciliation and posting processes do not rely on having a single
file for all your selected accounts for each date, but do rely on data for
individual accounts being presented in a single file rather than being split
across multiple files.

With the option set, at an account level, only full and final EOD data will be
included in your file. If the EOD statement for an account is not available at the
usual delivery time of your file, that account will be entirely excluded from the
export.
Incremental
Additionally, the option ensures that no statement will be output more than
End of Day Option
once no matter how many times a file is delivered to you.

With this option selected, the first file delivered will include EOD data for the
previous day. Subsequent files will export any EOD data that has been
received since the previous delivery up to a maximum of fourteen calendar
days in the past.

Note that this configuration is not an ‘all or nothing’ option, the unavailability of
EOD data for one or more accounts will not impact the delivery of data for other
accounts (i.e. EOD data for an account will be delivered whether or not EOD
data is available for all accounts covered by the export profile).

This configuration option is used if you are exporting intra-day (INT) data and
your reconciliation and posting processes do not rely on having a single file for
all your selected accounts for each date, but do rely on data for individual
accounts being presented in a single file rather than being split across multiple
files.
Incremental
The option ensures that no data will be output more than once no matter how
Intra-Day Option
many times a file is delivered to you.

With this option selected, the first file delivered will include all intra-day data for
the current date, available up to the point at which the file is generated.
Subsequent files will export any intra-day data, for the same date, which has
been received since the previous file was delivered.

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 5.4. Controlling Where Data Will Be Exported
The sections below describe the configuration options that are used to govern the location to
which the export file will be delivered.

5.4.1. In Session Output

An in session export profile is run manually by a user. The table below describes the In Session
Output configuration options.

Configuration Option Details

In Session For in session profiles you can specify the directory and filename to which the
Download exported data file will be saved when downloaded after running the export
Destination profile.

Security can be applied to an in session export profile when the file is

In Session
downloaded. You can select to have no security applied (i.e. file in the clear) or
Security Method
to have the file signed, or signed and encrypted.

5.4.2. Automated Output

An automated export profile is scheduled to run automatically using the Automated File and
Report Delivery option. The table below describes the Automated Output configuration options.

Configuration Option Details

The automated delivery option configuration allows you to select exactly how
and where the file should be delivered when it is automatically executed.
Automated
Delivery Option
Delivery vehicles include E-mail and delivery via Citi’s CitiConnect for Files
gateway, with full details available from your usual Citi representative.

Security can be applied to an automated export profile when the file is

Automated
delivered. You can select to have no security applied (i.e. file in the clear) or to
Security Method
have the file signed, or signed and encrypted.

Automated Where you have selected S/MIME encryption for your automated files, this
Delivery Certificate configuration option allows you to specify the digital certificate that should be
Name used to encrypt the file.

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 5.5. Controlling How Data Will Be Exported
The sections below describe the configuration options that can be used to govern the exact format
of certain fields in your output file.

5.5.1. Transaction Codes

The table below describes the Transaction Codes configuration options.

Configuration Option Details

To facilitate your account postings each transaction exported in your files is

assigned a Type Code that appears in sub-field 1 or sub-field 2 of Tag 86 and
indicates the business reason underlying the transaction.

As a default, your file will contain proprietary Citi Transaction Code (CTC) Type
Codes in sub-field 1 of Tag 86 (known as Standard Export), except for
accounts held at Citibank Delaware or New York (Citi branches 920, 930 and
940). For these accounts, the sub-field will contain the SWIFT Entry Reason
Output (i.e. the same three-letter code output in Tag 61 sub-field 6).
Citi Transaction
Codes The CTC type code output for a transaction will be set by the Citi branch
through which the transaction was processed and cannot be customised.
Because the code is set at branch level, if you hold accounts with several
branches your account posting processes may need to handle a large number
of different codes.

A configuration option allows you to elect for the CTC type codes to be
replaced with BAI type codes. The BAI type code can be output either in sub-
field 1 of Tag 86 (known as SAP Standard Export with BAI Codes) or in sub-
field 2 of Tag 86 (known as SAP Non-Standard Export with BAI Codes).

BAI type codes are more standardised and generally fewer in number since
they do not necessarily need to support the granularity that Citi requires for
CTC type codes.

Additionally, BAI type codes are fully customisable. Should the standard codes
not meet your specific needs, Citi can customise them in a range of ways to
meet your processing requirements.

Output For example:

Customisable  The standard set of codes can be replaced, in whole or in part, with any
BAI Type Codes alternative codes expected by your accounting platform.
 Type codes can be set for transactions processed by third party banks but
reported using Citi’s third party bank reporting service.
 The default codes used if a type code was not previously assigned for a
transaction type can be replaced with any alternative default code you
require.

Please contact your usual Citi representative for listings of the standard BAI
type codes used and any further assistance with customisation.

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Configuration Option Details

This option allows for the process of deriving BAI codes on transactions across
Third Party Bank third party bank accounts to be refined, reducing the likelihood of the default
Type Code BAI codes (399 and 699) being output.
Mapping Library. Please contact your usual Citi representative for assistance with this
configuration option.

Sub-field 6 of Tag 61 contains a SWIFT Entry Code that identifies, at a high-

level, the type of transaction exported. CitiDirect offers a standard set of
SWIFT entry codes (refer to the SAP MT940 Code Reference Tables section
Customisable SWIFT for details) but these can be customised in a range of ways to meet your
Entry Codes business needs.

Please contact your usual Citi representative for further assistance with
customisation of these codes.

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 5.5.2. Branch and Account Identification
The table below describes the Branch and Account Identification configuration options.

Configuration Option Details

This configuration option governs how account numbers are formatted in Tag
25 of your files.

As standard, account numbers will be output in Citi proprietary format.

However you can use the Account Output Format Library option to arrange for
your account numbers to be exported in a different format.
Account Output
Format Library
When this option is selected, for each country covered by your output file you,
(Export Accounts in
are able to select the format in which your accounts should be output, choosing
IBAN Format)
between IBAN, BBAN and Citi Proprietary format. You are able to select
different formats for different branches and combine them in your output file in
whichever way best suits your business processes.

Please contact your usual Citi representative for assistance with this
configuration option.

This configuration option governs how account numbers are formatted in Tag
25 of your files.

If selected, your Citi account numbers will be prefixed with the branch code of
the Citi branch that holds the account. As standard, the branch code will be the
ABA routing code for branches in the United States of America and the SWIFT
Prefix Citi Account
code for branches elsewhere. Note that the branch code output in your files is
with Branch Code
fully customisable; you can select any twelve-character code required for
integrating with your accounting processes.

Note that this configuration only applies to your account numbers in Tag 25
when they are output in Citi proprietary format; IBAN and BBAN formatted
account numbers will not be prefixed.

This configuration option governs how third party bank account numbers are
formatted in Tag 25 of your files.
Prefix Third Party
Account with Branch
If selected, your third party bank account numbers will be prefixed with the
Code
SWIFT code of the third party bank. A forward slash character will separate the
SWIFT code and account number.

For certain fields, Citi branch codes may be exported in your files. These
codes are fully customisable; you can select any twelve-character code
Customisable required for integrating with your accounting processes.
Branch Code Library
Please contact your usual Citi representative for assistance with this
configuration option.

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 5.5.3. Code Pages and Character Set
The table below describes the Code Pages and Character Set configuration options.

Configuration Option Details

This option is used to restrict the characters that will be present in your files so
Apply SWIFT
that the character set complies with SWIFT Character Set X. Please refer to
Character Set X
the Character Set section for full details of this option.

This option is used to control the presence of forward slash and space
characters in Tag 61 sub-fields 7 and 8 (Reference for the Account Owner and
Account Servicing Institution’s Reference respectively).

By default, the two reference fields can begin and end with a forward slash
character ( / ) as well as contain embedded double forward slashes ( // ) and
spaces. In other words, if the underlying reference contains forward slash or
space characters they will not be suppressed in your output files.

Whilst this behaviour provides flexibility it is not in line with SWIFT guidelines
for the use of forward slash and space characters in these fields.
Remove Tag 61
With this configuration option set, SWIFT rules will be applied, with the
Forward Slash and
following being removed from both Tag 61 sub-field 7 and sub-field 8:
Space Characters
 A forward slash in the first position within the sub-fields
 E.g. /CUSTOMERREF becomes CUSTOMERREF
 A forward slash in the last position within the sub-fields
 E.g. CUSTOMERREF/ becomes CUSTOMERREF
 A double slash in any position within the sub-fields
 E.g. CUSTOMER//REF becomes CUSTOMERREF
 Any space characters embedded in any position within the sub-fields
 E.g. CUSTOMER REF becomes CUSTOMERREF

Note that in a situation where either sub-field contains only forward slashes, the
reference will be completely replaced with the text NONREF.

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Configuration Option Details

This configuration setting is used to ensure that the characters present in your
business data are displayed correctly and can be uploaded to your accounting
platform. The character set that will be used in your output file will depend on
the transactions being exported and the code page in which the export file is
generated.

Also known as an encoding set, a code page is a character encoding table that
associates characters with specific numeric values. This facilitates the transfer
of data between computer systems, providing a method of encoding characters
that is independent of the way in which those characters are represented
graphically. For example, a code page may be used to encode traditional
Chinese characters, thereby allowing these characters to be output by, or read
by, different software applications

A number of code pages are available, each supporting a different range of

characters. If a code page is not selected, the range of characters that can be
supported in your files will be as defined in the Character Set section.

However, with a code page selected using this configuration option, the range
of characters will depend on the specific code page selected. Your files will
contain whatever characters are present in the underlying transaction data
(which can vary from country-to-country) subject to those characters being
Export File Code supported by the code page of the file.
Page Selection
For example, transactions in some countries may include local language
characters (e.g. Cyrillic). Therefore, if the export file is created in a code page
that supports such local language characters, they will be included in your file.
Otherwise, they will be replaced with a question mark character ( ? ).

This means that your file could include any character that is supported by the
file’s code page. A range of code pages is available that includes Arabic,
Chinese, Cyrillic, Greek and Hebrew, each supporting a different set of
characters.

A full list of available codepages is given on the following page.

The most frequently used code page is CP1252 (Windows Latin -1). This is a
character encoding of the Latin alphabet and, as such, supports only a limited
range of local language characters and diacrits.

Please contact your Citi representative if your business data may include non-
Latin characters so that an appropriate code page can be selected.

Your Citi representative will also be able to provide assistance if your

accounting platform requires files to be delivered in a specific code page,
regardless of local language content.

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Configuration Option Details

The following table details the code pages in which your output files can be
delivered. You Citi representative can assist you in selecting the appropriate
code page for your data.

Code Page Code Page Description

Big5 Traditional Chinese
Big5-HKSCS Traditional Chinese with Hong Kong extensions
CP1048 Kazakh Cyrillic
CP1250 Windows Eastern European
CP1251 Windows Cyrillic
CP1252 Windows Latin-1
CP1253 Windows Greek
CP1254 Windows Turkish
Export File Code CP1255 Windows Hebrew
Page Selection
(cont.) CP1256 Windows Arabic
CP1257 Windows Baltic
CP1258 Windows Vietnamese
CP866 MS-DOS Russian
CP874 IBM Thai
ISO8859_1 Latin Alphabet No. 1
ISO88595 Cyrillic
MS 936 Windows Simplified Chinese
MS 949 Windows Korean
MS 950 Windows Traditional Chinese
SJIS - Shift – JIS Japanese
UTF8 Eight-bit Unicode Transformation Format

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Configuration Option Details

If you access the CitiDirect online banking platform to obtain your files (i.e. they
are not delivered to you automatically), it is possible to arrange for the code
page of your files to change dynamically according to the language that you
use when logging-on to CitiDirect.
When the code page of your export profile is set to User Login Language
Code Page, the code page used for your export file becomes linked to the log-
on language of whichever user runs the export.
The table below shows the relationship between the user’s log-on language
and the code page in which the export file will be generated.

User Log-On
File Code Page Code Page Description
Language
Arabic CP1256 Windows Arabic
Bulgarian CP1251 Windows Cyrillic
Czech CP1250 Windows Eastern European
Dutch CP1252 Windows Latin -1
English CP1252 Windows Latin -1
French CP1252 Windows Latin -1
German CP1252 Windows Latin -1
Greek CP1253 Windows Greek
Export File Code
Page Selection Hebrew CP1255 Windows Hebrew
(cont.) Hungarian CP1250 Windows Eastern European
Italian CP1252 Windows Latin -1

Dynamic Code Page Japanese Shift JIS (Windows 932) Japanese Shift JIS
Selection Kazakh CP1251 Windows Cyrillic
Korean CP949 Korean
Polish CP1250 Windows Eastern European
Portuguese CP1252 Windows Latin -1
Romanian CP1250 Windows Eastern European
Russian CP1251 Windows Cyrillic
Simplified Chinese GBK (Windows 936) Simplified Chinese
Slovak CP1250 Windows Eastern European
Spanish CP1252 Windows Latin -1
Thai CP874 IBM Thai
Traditional Chinese Big5 (Windows 950) Traditional Chinese
Turkish CP1254 Windows Turkish
Ukrainian CP1251 Windows Cyrillic

Note that if a CitiDirect export profile that uses the login-language code page
option is set to run automatically (i.e. using the CitiDirect AFRD functionality),
the code page used for the file will be linked to the log-on language of the user
who last submitted the AFRD schedule (this person is known as the Schedule
Owner). This remains the case even when the AFRD schedule is manually
triggered using the Run Now button.

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 5.5.4. Transaction Details
The table below describes the Transaction Details configuration options.

Configuration Option Details

This configuration option is used to enhance the transaction details information

that is output in your files and thereby assist you in the process of transaction
reconciliation.

Ordinarily, the data presented in your statements and advices will be sourced
from the book-keeping system that has processed the underlying
transaction(s). This may mean that some elements of the data you supplied
with the original transaction instruction are either not present in your file, or are
truncated or otherwise changed. This may happen, for example, if a book-
keeping system has reformatted or trimmed data to meet the requirements of a
local clearing system. In some cases, this difference between your original
instruction and the data returned with statements and advices may lead to
operational difficulties for you when reconciling transactions.

To address this, when you select the Export Enhanced Transaction Details
configuration option, the data in your file will be augmented using data from
your original transaction instruction (where available), thereby facilitating
transaction reconciliation.

Straight Through The specific data items that will be augmented are listed below, together with
Reconciliation the transaction detail labels that are used to identify them:
Library –  /AB/ to /AB4/ Beneficiary Bank Details
 /BI/ Beneficiary (Creditor) Account Number
Export Enhanced  /BN/ to /BN4/ Beneficiary (Creditor) Name and Address
Transaction Details  /BNC/ Beneficiary (Creditor) ID Type and ID
 /BO/ to /BO4/ Ordering Party (Debtor) Name and Address
 /BOC/ Ordering Party (Debtor) ID Type and ID
 /IREF/ Instruction ID
 /PREF/ Payment Information ID (Batch Reference)
 /PYO/ Original Remittance Information (Payment Details)
 /ROC/ Original Customer Reference
 /UB/ Ultimate Beneficiary (Ultimate Creditor) Name
 /UBC/ Ultimate Beneficiary (Ultimate Creditor) ID Type and ID
 /UR/ Ultimate Debtor Name
 /URC/ Ultimate Debtor ID Type and ID

Note that this configuration option is only applicable to individually posted

transactions (i.e. not groups of transactions posted to your account as a single
movement). Please contact your usual Citi representative for more information
about the types of transactions that can be augmented with this option.

Note that by default, this option will not be available. Please contact your usual
Citi representative in order to have your CitiDirect client configuration set to
enable the selection of this option.

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Configuration Option Details

Transaction Itemization is used to enhance the transaction details information

that is output in your files when there are transactions that have been posted to
your account in bulk (i.e. a group of individual transactions that have been
posted as a single movement).

Some transaction types will be posted to your account in bulk. For example,
ACH payments of the same type with the same value date are likely to be
grouped into a single posting on your account. This will mean that the data
associated with each of the individual underlying transactions will not be
available to you in the consolidated account movement, and this may lead to
operational difficulties for you when reconciling such transactions and account
movements.

When you select Transaction Itemization, where possible, the bulked account
movement will be split into its constituent transactions and those individual
transactions will appear in your file instead of the consolidated account
movement. Where data is available, the information reported for the
constituent transactions will also be augmented using data from your original
transaction instructions, thereby facilitating transaction reconciliation.

The specific data items that will be augmented for constituent transactions are
listed below, together with the codewords/labels that are used to identify them:
Straight Through  /AB/ to /AB4/ Beneficiary Bank Details
Reconciliation  /BI/ Beneficiary (Creditor) Account Number
Library –  /BN/ to /BN4/ Beneficiary (Creditor) Name and Address
 /BNC/ Beneficiary (Creditor) ID Type and ID
Transaction  /BO/ to /BO4/ Ordering Party (Debtor) Name and Address
Itemization  /BOC/ Ordering Party (Debtor) ID Type and ID
 /IREF/ Instruction ID
 /PREF/ Payment Information ID (Batch Reference)
 /PYO/ Original Remittance Information (Payment Details)
 /ROC/ Original Customer Reference
 /UB/ Ultimate Beneficiary (Ultimate Creditor) Name
 /UBC/ Ultimate Beneficiary (Ultimate Creditor) ID Type and ID
 /UR/ Ultimate Debtor Name
 /URC/ Ultimate Debtor ID Type and ID

Note that this configuration option is only applicable to bulk posted transactions
(i.e. groups of transactions posted to your account as a single movement).
Please contact your usual Citi representative for more information about the
types of transactions that can be augmented with this option.

Note also that where Transaction Itemization is selected for your bulked
account movements, the Export Enhanced Transaction Details configuration
will be automatically applied to individually posted account movements, and
cannot be deselected.

Note that by default, this option will not be available. Please contact your usual
Citi representative in order to have your CitiDirect client configuration set to
enable the selection of this option.

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Configuration Option Details

For statement entries that relate to payroll payments, this configuration option
allows you to suppress sensitive beneficiary information in your statements,
allowing you to maintain confidentiality without compromising your ability to
reconcile account movements.

With this option selected, where a movement or itemised transaction is

identified as payroll, the following transaction detail codes will be suppressed
(i.e. neither the data nor the transaction detail code will appear in the sub-field
3 to 10 sequence of Tag 86 of your file):
 /BN/ Beneficiary (Creditor) Name and Address
 /BNC/ Beneficiary ID Code
 /UB/ Ultimate Beneficiary (Ultimate Creditor) Name
 /UBC/ Ultimate Beneficiary (Ultimate Creditor) ID Type and ID

Note that movements and transactions that are not identified as payroll will be
entirely unaffected by the selection of this option.

To assist you in identifying payroll transactions in your statements, a dedicated

transaction detail code is available to indicate payroll items. Please refer to the
Purpose Code in the Further Payment Description section for more details.
Additionally, the Payroll Suppression Indicator can be used in your files to
identify the transactions for which details have been suppressed.

Straight Through Please note that in order for a transaction to be identified as payroll, it must
Reconciliation have been instructed using Citi’s CitiConnect for Files application using one of
Library – the payroll-specific payment instruments (known as PIUIDs). The supported
PIUIDs are shown in the table below.
Suppress Payroll
Data
Country Currency Payment Method PIUID

All All Payroll 884

Denmark DKK ACH - Salary 43

Egypt EGP Egypt payroll Payments 574

Finland EUR ACH - Payroll 63

Germany EUR ACH - Salary 83

Portugal EUR ACH - Wages 124

South Africa ZAR ACH - Payroll 809

Spain EUR ACH - Salary 133

Sweden SEK ACH - Salary without Advice 151

Note that by default, this option will not be available. Please contact your usual
Citi representative in order to have your CitiDirect client configuration set to
enable the selection of this option.

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Configuration Option Details

This configuration option allows you to select for movements in your file to be
augmented with the original batch reference you supplied when initiating the
underlying transaction(s).

With this option selected, the batch reference will be output in the sub-field 3 to
10 sequence of Tag 86, using the Further Payment Description code /PREF/.

For movements that represent a single underlying transaction, if the batch

reference is available it will be output in your file.
Straight Through For bulk movements that represent several underlying transactions, the batch
Reconciliation reference for the movement will only be output in your file if each underlying
Library – transaction is associated with the same batch reference.

Output Batch Details In addition to the /PREF/ code, where this option is selected and data is
available, the /TCOUNT/ code will also be output, followed by a count of the
number of underlying transactions that make-up the movement.

Note that the Transaction Itemization option will not be available if the Output
Batch Details option has been selected.

By default, this option will not be available. Please contact your usual Citi
representative in order to have your CitiDirect client configuration set to enable
the selection of this option.

The sub-field 3 to sub-field 12 sequence of Tag 86 will output transaction

details, in no particular order. Each item of information will be preceded by a
codeword to indicate the type of information that follows (for example, the data
/BI/123456789 indicates that 123456789 is the Beneficiary Account Number).

The range of data items available is shown in the Further Payment Description
section.

As standard, these transaction details will be exported in your files in no

particular order and the range of data items output will not change over time
(i.e. new data made available by Citi may not automatically appear in your
output files). However this standard behaviour can be amended by using this
Transaction Details
configuration option to:
Configuration Library
 Set the order in which transaction details are output in your files
 Suppress any transaction details that you do not require
 Add to your files any new data items that Citi may make available
from time-to-time

Note that there is no limit to the number of configuration library entries that can
be created. You can therefore set different orders and suppression rules for
each of your export profiles, reflecting the business context in which the data is
used.

Please contact your usual Citi representative for assistance with creating
transaction detail configurations.

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Configuration Option Details

This configuration option is used to remove the ‘US Citichecking Duplicate

Number Indicator’ from the customer reference field in your file. The duplicate
Remove Duplicate
number indicator consists of four spaces and the digit 1 (i.e. “ 1”) and may be
Number
appended to the customer reference if the reference has been used on a
previous transaction.

This configuration option should be selected if your accounting processes rely

on SAP MT940 sub-fields having values that are non-spaces. In some cases
(particularly for transactions processed by third party banks and reported using
Citi’s third party bank reporting service), the Entry Date and/or Funds Code
Suppress Empty Sub
sub-fields of Tag 61 can be blank.
Fields
With this configuration option selected these sub-fields will be suppressed if
they do not contain values. Otherwise, they will be present in your file, but filled
with spaces.

As standard, when enabled, BAI Type Codes are output in Tag 86 of your files.
However, you can use this configuration option to select for BAI Type Codes to
Amend be also output in sub-field 6 of Tag 61.
SWIFT / SAP
Tag 61 If you would like to receive BAI Type Codes in both Tag 86 and Tag 61, please
contact your usual Citi representative so that you client preference settings can
be updated accordingly.

As standard, data received by Citi in Tag 86 of an MT940 for a third party bank
account will be re-formatted in line with the rules set out in the Tag 86 -
Information to Account Owner section of this document. This ensures a
consistent treatment for Tag 86 on both your third party and Citi accounts.

Retain Third Party However, the Retain Third Party Bank Tag 86 Format configuration option
Bank Tag 86 Format allows you to receive Tag 86 data in the format originally sent by the other
bank.

With this option selected, Tag 86 for your Citi accounts will be formatted in line
with the Tag 86 - Information to Account Owner section whilst Tag 86 for your
third party bank accounts will be output unchanged by Citi.

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 5.5.5. Field Labels
The table below describes the Field Labels configuration options.

Configuration Option Details

This configuration option governs whether a SWIFT header and trailer block will
be output in your files.

With this option selected, the output for each account/statement date
Add SWIFT Header combination will begin with a SWIFT header and end with the End of Block
character ( } ).

Please refer to the SWIFT Header Block and SWIFT Trailer Block sections for
details of the structure and content of the SWIFT header and trailer.

This configuration option governs how the field label is formatted in Tag 28C of
your files.
Customisable Field
28 Label
As standard, the label will be output as :28: in your files. However you can
arrange for the label to be output as :28C: if required.

This configuration option governs whether the ?31 (Ordering Account Number)
sub-field will be output in Tag 86 of your files.
Output ?31
Sub-Field As standard, the sub-field will not be output. If you would like to receive this
sub-field in your SAP files, please contact your usual Citi representative so
that you client preference settings can be updated accordingly.

5.5.6. Balances
The table below describes the Balances configuration options.

Configuration Option Details

Output Tag 64 – This configuration option governs whether Tag 64 (Closing Available Balance)
Closing Available is output in your files. As standard, Tag 64 will be output where data is
Balance available, however you can arrange for it to be suppressed, if required.

Output Tag 65 – This configuration option governs whether Tag 65 (Forward Available Balance)
Forward Available is output in your files. As standard, Tag 65 will be output where data is
Balance available, however you can arrange for it to be suppressed, if required.

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6. Glossary of Terms
The table below provides definitions for terms, abbreviations and acronyms used in this document.

Term Description

A balance that reflects funds in your account that are available for
Available Balance
immediate use.

Bank Administration Institute - a not-for-profit organization serving the

banking industry. BAI publishes data specifications to enable the
BAI
communication of financial data across different technology platforms,
including BAI generic Type Codes.

A Citibank location at which an account is held. All 3rd party bank

Branch accounts are regarded as being held at a single Branch, regardless of
the third party bank.

A key date associated with a Customer Statement or transaction.

Business Date
Examples are Statement Date, Entry Date and Value Date.

Channel & Enterprise A division of CTS, offering secure electronic access to a wide range of
Services cash management, trade, fund and securities services data.

A character encoding table that associates characters with specific

Code Page
numeric values to facilitate the transfer of data between systems.

The two-character sequence Carriage Return, Line Feed. CRLF

CRLF creates a line break and causes the next character to start at the left
margin of the page.

CTC Citi Transaction Code – a Citi proprietary Type Code.

Citi Transaction Services, a division of Citi, offering integrated treasury

and trade solutions, securities and fund services to multinational
CTS
corporations, financial institutions and the public sector around the
world.

A statement of recent transactions on an account together with the

Customer Statement
resulting account balances.

A sequence of one or more characters used to specify the boundary

Delimiter
between separate, independent regions in plain text or other data.

Entry Date Date on which entries are made in the records of an account

End of Day. EOD refers to a Customer Statement produced after the

EOD
close of business for the day.

An element of information within a data file (also referred to as a Tag).

Field
Each Field may be further divided into Sub-fields.

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 Term Description

An International Bank Account Number. An IBAN contains routing

IBAN information as well as account information and therefore improves
rates of straight-through processing for transactions.

International Mass Payment system. A Citi transaction processing

IMP
application.

A Customer Statement produced before the close of business for the

Intra-Day
day, and therefore liable to change.

The International Standardization Organization, an international body

ISO
for setting a wide variety of standards.

The actual balance of an account, at a point in time, incorporating both

Ledger Balance cleared and uncleared transactions. It may not, therefore, represent
the actual funds that are available at that time.

The SWIFT standard for transmitting detailed information about all

MT940
entries booked to an account

Payment Instruction Unique IDentifier. A code used to uniquely

PIUID
identify a payment instrument.

Single EURO Payment Area. An initiative by European Central Bank

SEPA to allow simplified and cost effective fund transfer within the European
Union.

The date to which a Customer Statement relates (i.e. the date of the
Statement Date
opening and closing balances).

A sub-division of a Field or Tag. Each Sub-field contains a discrete

Sub-Field
piece of information related to the main field.

Society for Worldwide Interbank Financial Telecommunication - a

worldwide community of financial institutions that agree on
SWIFT
comprehensive messaging standards to communicate financial data
that can be used across different technology platforms.

An element of information within a data file (also referred to as a

Tag
Field). Each Tag may be further divided into Sub-fields.

Third Party Bank An arrangement for using Citi to obtain Customer Statements for
Reporting Service your accounts held at third party banks.

Type Code A code used to identify the business purpose of a transaction.

The date on which a transfer of funds becomes available for use by

Value Date the receiving bank or its customer. Additionally, the value date is the
date from which a deposit starts to earn interest.

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 Index
A
Account Number ..........................................................................................................................................7, 16
Account Output Format Library .......................................................................................................................61
Activity Only ........................................................................................................................................ 52, 53, 55
Add SWIFT Header .........................................................................................................................................71
Amend SWIFT / SAP Tag 61 ..........................................................................................................................70
Available Balance
Closing .......................................................................................................................................... 7, 30, 31
Forward ................................................................................................................................................7, 31
B
BAI Type Codes ..................................................................................................................... 23, 24, 59, 72, 73
Bank Reference ........................................................................................................................................ 21, 23
Batch References ............................................................................................................................................69
Branch Code Library .......................................................................................................................................61
Business Date Type ........................................................................................................................... 50, 55, 56
Entry Date versus Statement Date ..........................................................................................................52
Value Date versus Statement Date ..........................................................................................................53
Business Days Only ........................................................................................................................................55
C
Channel & Enterprise Services .............................................................................................................. 1, 5, 72
CitiDirect
AFRD........................................................................................................................................................65
Users ........................................................................................................................................................65
Code Pages ........................................................................................................................................ 63, 64, 65
Dynamic Code Page Selection ................................................................................................................65
Configuration Options
Account Output Format Library ................................................................................................................61
Activity Only................................................................................................................................. 52, 53, 55
Add SWIFT Header ..................................................................................................................................71
Amend SWIFT / SAP Tag 61 ...................................................................................................................70
Apply SWIFT Character Set X .................................................................................................................62
Branch Code Library ................................................................................................................................61
Business Date Type .................................................................................................................... 50, 55, 56
Business Date Type Comparison ..................................................................................................... 52, 53
Business Days Only .................................................................................................................................55
Controlling how data will be exported ......................................................................................................49
Controlling what data will be exported .....................................................................................................49
Controlling when data will be exported ....................................................................................................49
Controlling where data will be exported ...................................................................................................49
Customisable Field 28 Label ....................................................................................................................71
Dynamic Code Page Selection ................................................................................................................65
Encoding Set ............................................................................................................................................63
Export Enhanced Transaction Details ......................................................................................................66
Export File Code Page Selection ................................................................................................ 63, 64, 65
Export IBANs ............................................................................................................................................61
Export Profiles ..........................................................................................................................................49
Incremental End of Day Option ................................................................................................................57
Incremental Intra Day Option ...................................................................................................................57
Output ?31 Sub-Field ...............................................................................................................................71
Output Batch Details ................................................................................................................................69
Output Tag 64 – Closing Available Balance ............................................................................................71
Output Tag 65 – Forward Available Balance ...........................................................................................71
Populate BAI Code in Tag 61/6 ...............................................................................................................70
Prefix Account with Branch Code ............................................................................................................61
Prefix Third Party Account with Branch Code ..........................................................................................61
Remove Duplicate Number ......................................................................................................................70
Remove Tag 61 Forward Slash Characters .............................................................................................62
Restrict by Account Currency...................................................................................................................54
Restrict by Account Number ....................................................................................................................54

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 Restrict by Bank Branch Number .............................................................................................................54
Retain Third Party Bank Tag 86 Format ..................................................................................................70
Select by Value Date ...............................................................................................................................51
Select by Entry Date ................................................................................................................................51
Select by Relative/Absolute Dates ...........................................................................................................50
Select by Statement Date ........................................................................................................................51
Select By Value Date including Back Values ...........................................................................................51
Start Date/End Date .................................................................................................................................50
Start Time/End Time ................................................................................................................................50
Straight Through Reconciliation Library ................................................................................ 66, 67, 68, 69
Suppress Empty Sub Fields .....................................................................................................................70
Suppress Payroll Data .............................................................................................................................68
SWIFT Entry Codes .................................................................................................................................60
Third Party Bank Type Code Mapping Library .........................................................................................60
Transaction Details Configuration Library ................................................................................................69
Transaction Itemization ............................................................................................................................67
User Login Language Code Page ............................................................................................................65
Wait for all EOD Statement Data ................................................................................................ 52, 53, 56
Controlling how data will be exported .............................................................................................................49
Controlling what data will be exported ............................................................................................................49
Controlling when data will be exported ...........................................................................................................49
Controlling where data will be exported ..........................................................................................................49
CTC Codes ......................................................................................................................................................59
Customer Reference .......................................................................................................................... 21, 23, 46
D
Delimiters...........................................................................................................................................................9
Deviations from SWIFT Standard......................................................................................................................6
E
Entry Date................................................................................................................... 19, 23, 51, 52, 55, 70, 72
Export Enhanced Transaction Details .............................................................................................................66
Export IBANs ...................................................................................................................................................61
Export Profiles .................................................................................................................................................49
F
Field 28 Label ..................................................................................................................................................71
Field Lengths .....................................................................................................................................................8
Field Types ........................................................................................................................................................8
I
IBAN ......................................................................................................................................................... 16, 73
Incremental End of Day Option .......................................................................................................................57
Incremental Intra Day Option ..........................................................................................................................57
Itemized Reporting ..........................................................................................................................................67
L
Ledger Balance
Closing .......................................................................................................................................... 7, 29, 53
Opening ......................................................................................................................................... 7, 18, 53
O
Output ?31 Sub-Field ......................................................................................................................................71
Output Batch Details .......................................................................................................................................69
Output Tag 64 – Closing Available Balance ....................................................................................................71
Output Tag 65 – Forward Available Balance ..................................................................................................71
P
Payroll Data Suppression/Masking .................................................................................................................68
Payroll Indicator ...............................................................................................................................................68
Populate BAI Code in Tag 61/6 .......................................................................................................................70
Prefix Account with Branch Code ....................................................................................................................61
Prefix Third Party Account with Branch Code .................................................................................................61
R
Record Structure ...............................................................................................................................................7

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Record Tags ......................................................................................................................................................6
Remove Duplicate Number .............................................................................................................................70
Retain Third Party Bank Tag 86 Format .........................................................................................................70
S
Sample Data ........................................................................... 14, 15, 16, 17, 18, 23, 28, 29, 30, 31, 32, 33, 34
SAP MT940 Code Reference Tables ....................................................................................... 5, 20, 26, 35, 60
SAP MT940 Configuration Options .............................................................................................................5, 49
SAP MT940 Data Map ..................................................................................................................... 5, 7, 10, 12
SAP MT940 Format Rules ............................................................................................................................5, 6
SEPA ........................................................................................................................................................ 21, 73
Sort Order ..........................................................................................................................................................7
Statement Date............................................................................................................. 7, 51, 52, 53, 56, 72, 73
Statement Number ..........................................................................................................................................17
Straight Through Reconciliation Library ....................................................................................... 66, 67, 68, 69
Suppress Empty Sub Fields ............................................................................................................................70
Suppress Payroll Data .....................................................................................................................................68
SWIFT Character Set ......................................................................................................................................62
SWIFT Header.................................................................................................................................................71
T
Third Party Bank Type Code Mapping Library ................................................................................................60
Transaction Amount ........................................................................................................................................20
Transaction Details Configuration Library .......................................................................................................69
Transaction Itemization ...................................................................................................................................67
V
Value Date ...................................................................................................... 19, 20, 23, 36, 51, 53, 55, 72, 73
Value Date including Back Values ..................................................................................................................51
W
Wait for all EOD Statement Data ........................................................................................................ 52, 53, 56

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