Status

M/O/C

Field

Field Name

Content

Comments

 

M

20

Sender’s Reference

16x

According to SWIFT standards

M

23B

Bank Operation Code

4!c

CRED

O

23E

Instruction Code

4!c[/30x]

According to SWIFT standards

C

26T

Transaction Type Code

3!c

Mandatory if the agreement between PKO and sending bank, otherwise - blank

M

32A

Value Date/

Currency/

Interbank Settled Amount

6!n3!a15d

According to SWIFT standards

PKO does not accept backward Value Dates.

C

33B

Currency/

Instructed Amount

3!a15d

According to SWIFT standards

C

36

Exchange Rate

12d

According to SWIFT standards

M

50A

 

or

Ordering Customer

1.Line

Account number

2.Line

 Code BIC/BEI

According to SWIFT standards

 

Account number only in IBAN format or in BBAN format (domestic payments).

In case of lack of IBAN  format or in BBAN format (domestic payments) PKO  reserves the right to make investigation in order to obtain an account number as well as to charge with additional investigation fee.

 

The Name of ordering customer is required.

In case of lack of ordering customer’s IBAN, ordering customer’s  full name and address is required.

In case of lack of a/m information that identifies ordering customer, PKO reserves the right to cancel the payment order and deduct charges from the returned amount.

 

 

50K

1.Line

Account number

2-5.Line

name and address of ordering customer

C

52A

or

Ordering Institution

1.Line

Account number

2.Line

Code BIC

According to SWIFT standards

Preferred option A.

52D

1.Line

Account number

2-5.Line

name and address of ordering institution

C

53A

or

 

Sender’s Correspondent

1.Line

Account number

2.Line

 Code BIC

According to SWIFT standards

If fulfillment of the field is mandatory :

-          option A or

-          option B or D with indication of PKO  Nostro account number or Loro account number with PKO

is required.

In case of option B or D without PKO Nostro account number PKO or Loro account number with PKO, non-STP fee is applied.

In case of incorrect data concerning correspondent bank, PKO reserves the right to return the payment order and deduct charges from the returned amount.

 

 

53B

or

 

1.Line

Account number

2.Line

 location

53D

1.Line

Account number

2-5. Line

Name and address

C

54A

or

 

Receiver’s Correspondent

1.Line

Account number

2.Line

 Code BIC

According to SWIFT standards

If fulfillment of the field is mandatory:

-          option A or

-          option B or D with indication of PKO Nostro account number or Loro account number with PKO

is required.

In case of option B or D without PKO Nostro account number or Loro account number with PKO,  non-STP fee is applied.

In case of incorrect data concerning correspondent bank PKO reserves the right to return the payment order and deduct its charges from the returned amount.

 

54B

or

1.Line-Account number

2.Line- location

54D

1.Line-Account number

2-5. Line-Name and address

 

C

55A

or

Third Reimbursement Institution

1.Line

Account number

2.Line

 Code BIC

According to SWIFT standards

If fulfillment of the field is mandatory:

-          option A or

-          option B or D with indication of PKO  Nostro account number or Loro account number

is required.

In case of option B or D without PKO Nostro account number or Loro account number  with PKO, non-STP fee is applied.

In case of incorrect data concerning correspondent bank PKO reserves the right  to return the payment order and  deduct charges from the returned amount.

 

55B

or

 

1.Line

Account number

2.Line

location

54D

1.Line

Account number

2-5. Line

Name and address

O

56A

or

 

Intermediary Institution

1.Line

Account number

2.Line

 code BIC

According to SWIFT standards

If fulfillment of the field is required it should be filled in with option A only.

56C

or

 

1.Line-Account number

 

56D

1.Line-Account number

2-5. Line-Name and address

 

 

C

57A

or

Account With Institution

1.Line

Account number

2.Line

 code BIC

If  the payment order is intended for other domestic bank field 57 should be filled in with option A only, otherwise non-STP fee is applied.

 

Payments intended for PKO customers:

-          field 57 can be blank     or

-          filled in with option A    or

-          option B, C or D with indication of  PKO  branch clearing number (8 digits always starting  with “102”)

Note!

PKO intermediates in execution of payment in EUR and in other currencies of EU countries in favour of other domestic bank according to special agreement between PKO and sending or receiving institution.

 

 

57B

or

1.Line

Account number

2.Line

 location

57C

or

1.Line

Account number

57D

1.Line

Account number

2-5. Line

Name and address

 

M

59A

or no letter option

 

Beneficiary Customer

1.Line

Account number

2.Line

Code BIC/BEI

According to SWIFT standards

In an account line exclusively beneficiary’s account number  in IBAN format.

PKO customer

If an account number is incorrect or given in other than IBAN format  – PKO returns payment and  reserves the rights to deduct charges from the returned amount.

 

Note!:

PKO executes payment order containing  beneficiary’s  account number exclusively on base of identification of beneficiary’s account number in IBAN format or in BBAN format (for domestic payments).

 

In case of lack of beneficiary’s account number, payment order may  be executed by PKO on a base of BIC code of PKO  or PKO  branch clearing number indicated in field 57 and provided that full beneficiary’s identification data are given in a payment order. This possibility concerns only private individuals.

 
Customer of other bank

Payment order in PLN in favour of other bank’s customer is executed by PKO provided that payment order contains correct account number in IBAN format or in BBAN format (for domestic payments), otherwise the payment order is  returned and the charges is deducted from the returned amount.

In case a payment order is to be executed through domestic clearing systems in PLN and beneficiary’s bank in field 57 and beneficiary’s bank deduced from beneficiary’s account number in field 59 differs PKO executes payment on the basis of beneficiary’s bank  identified from beneficiary’s account number. Non-STP fee is applied in that case. 

In case a payment order is in other currency than PLN, it is sent to a beneficiary’s bank provided that a beneficiary’s bank is unambiguously given in field 57 of the payment order. If a beneficiary’s bank is given in other option than option A , non-STP fee is applied.

 

Note!

PKO acts as an intermediary according to information given for field 57.

 

The name of a beneficiary is required.

In case of lack of beneficiary’s account number the full name and address of beneficiary is required.

When beneficiary’s identification data is missed, PKO reserves the rights to return a payment order and deduct charges from the returned amount

59

 

 

 

 

 

 

 

 

1.Line

Account number

2-5. Line

Name and address

 

O

70

Remittance Information

4*35x

According to SWIFT standards

 

M

71A

Details of Charges

3!a

OUR/SHA/BEN

C

71F

Sender’s Charges

3!a15d

According to SWIFT standards

Mandatory if BEN in 71A.

Optional  if SHA in 71A

 

 

 

 

 

C

72

Sender to Receiver Information

6*35x

Required exclusively when bilateral agreement with PKO

PKO does not forward to other domestic banks  information indicated in this field in case of execution of the payment order through domestic clearing systems in PLN or in EUR.

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