Wire Transfer Plus Formats
(last updated 12/13/2011)
The Wire Transfer Plus module provides EFT and Wire Transfer functionality for both domestic and foreign payments. Unlike US-ACH, it requires a format for each bank. Below, we have a current listing of the banks and formats we support. New banks and formats/transaction types are being added all the time, so be sure to inquire if you don't see what you're looking for (sales@sksoft.com).
Verifying Formats: as you'll note below not only do some banks have more than one format, but they have various systems/programs that a customer can use. A bank customer needs to confer with the bank to determine the most appropriate system or product that the bank offers (this migbt be determined by features, cost or other factors). Once the System/Specification has been determined the next step is to identify which types of transactions are needed (e.g. domestic wire, international wire, book transfer, out-sourced check printing, etc. - could be one or more of these). With this analysis completed, check our format list below for a match - if not found or there is any question, please obtain the bank's file format specification and we'll review it for a match.
If a new format or transaction type is required, we will analyze the specification you provide and provide a quote to develop and add it to the library.
NOTE: With the AP-EFT and AR-EFT modules, ONLY the US-ACH format is supported. For ANY other format, the Wire Transfer Plus module is required.
Released Formats
| Bank |
System/Specification |
Supported Formats/Transaction Types |
| ABN AMRO (NL) |
OfficeNet Direct
(BTL91) |
Foreign Payment (Normal)
Foreign Payment (Urgent) |
| ABN AMRO (NL) |
OfficeNet Direct
(CLIEOP 03) |
Postbank Account (Urgent, Non-Urgent)
Bank Account (Urgent, Non-Urgent) |
| ACH (CA) |
ACH Credit |
PPD, CCD, IAT (US & CA) |
| Allied Irish Bank (IE) |
Electronic Money Transfer System (EMTS) |
Direct Debit |
| Amegy Bank (US) |
Amegy Connect |
Domestic Wire, International Wire |
| BACS (UK) |
Aztech |
Credit, Debit |
| Bank of America (US) |
BAFF |
US-ACH,
High Value Int'l Wire (PRO)
Fed Wire (FWT)
SWIFT (SWT)
Check (CHK) |
| Bank of America (US) |
Cash Pro Online |
Repetitive and Non-Repetitive Wires |
| Bank of America (US) |
Bank of America Direct (User defined CSV - Repetitive) |
US Transfer
International Transfer |
| Bank of America (US) |
Bank of America Direct (FXWD-CSV) |
Wire (FXW) |
| Bank of America (US) |
Electronic File Delivery (EFD) |
All but ACH (they are handled via eBanking's AP-EFT) |
| Bank of America (US) |
PayMode |
Credit Card
PayMode
ACH
Wire
Book Wire
Check |
| Bank of Tokyo (US) |
BTMU-eGateway |
EDI/Wire |
| Barclays Bank (UK) |
IBB |
CSV Standard
(credit files only) |
| Barclays Bank (UK) |
ICeB - BACS |
Direct Credit |
| Barclays Bank (UK) |
ICeB - MT103 |
InterAcct (iAT)
Same Day (SDP)
International Payment (IP) |
| Bank of Montreal (CA) |
EFT |
80 byte, Credits |
| JPMorgan Chase (US) |
Access |
Repetitive line
Domestic (DMT) - FED, BKT, CHP
Foreign (GMT) - IAT, GIR, LOC, CHP |
| JPMorgan Chase (US) |
Access |
Check Print
AP6 Standard Delimited
|
| JPMorgan Chase (US) |
Access - Global Delimited Flat File (GDFF) |
Belgium, Canada, France, SEPA, Switzerland, United Kingdom, Singapore, Malaysia
|
| JPMorgan Chase (US) |
Morgan Direct Commercial (MDC) |
FX Credit
|
| Canadian Imperial Bank of Commerce (CIBC) (CA) |
EFT |
80 byte, Credits |
| Citibank (LATAM) |
PayLink Plus - 1024 |
071 - Interbank/Domestic Funds Transfer
072 - Book Transfer
073 - Managers Cheque |
| Citibank (US) |
Citidirect Flat File (CDFF) |
Book Transfer (US)
Funds Transfer (US)
ACH - PreFormat (US)
ACH - Credit (US)
Book Transfer, Funds Transfer - PreFormat (US)
Wire Transfer (WL) |
| Citibank (US) |
EDI-820 |
CTX - (US Bank Charge Cards) |
| Citibank (US) |
Prepaid Card - Flat File |
Create/Load Account |
| Citibank (US) |
Business Access |
Domestic Wire |
| Comerica (US) |
|
Fedwire |
| Compass (US) |
MT-eAccess |
Domestic Wire |
| Deutsche Bank (DE) |
DBDI (db-Direct Internet), Global 175 CSV |
Urgent & Non-Urgent
Belgium, Denmark, Finland, France, Germany, Italy, Netherlands, Sweden, Switzerland (+ESR), United Kingdom |
| DTAUS (DE) |
HBCI |
Commercial Payment
Employment Savings Benefit
Payment of Public Institution
Payment w/ Checksum protection Charitable Donation |
| HSBC (US) |
Customer Credit Transfer Initiation
(20022 XML) |
High Value Payments - Wire Transfers
Low Value Payments - ACH |
| HSBC (US) |
Integrated Payables
(EDI/820/831) |
High Value Payments - Wire Transfers
Low Value Payments - ACH |
| HSBC (US) |
iFILE - Bermuda |
ACH-CR, FTR (foreign transfer), IAT (inter-accoun transfer) |
| HSBC (US) |
MT103 |
UK, HK, US - Credit |
| ING Bank (BE) |
Payment Orders
(Layout 128) |
Ordinary transfer/circular cheque
Transfer w/ std format message |
| ING Bank (BE) |
Foreign Payment Orders
(Layout 128) |
Ordinary bank cheque to beneficiary
Crossed cheque to beneficiary
Ordinary bank cheque to ordering customer
Crossed cheque to ordering customer
Open bank cheque to beneficiary bank
Crossed bank cheque to ordering customer bank
Telex
Postal Order
Other (agreed)
European payment method
International - Normal
International - Urgent
Left to choice of financial institution |
| ING Bank (UK) |
BACS-Credit Transfer UK-IE |
Normal, Urgent |
| Jamaica (JM) |
ACH |
PPD, CCD, CCD+ |
| Jamaica Natl Bank(JM) |
IPC |
Credit |
| Lloyds of London (UK) |
Lloydslink-PC Pay/BACS |
CSV |
| National Commercial Bank Jamaica (JM) |
Funds Direct |
LVP |
| National Commercial Bank Jamaica (JM) |
APS |
Credit |
| Nordea (FI) |
Bill Pmt Svc. (LM03) |
Reference Number |
| Nordea (FI) |
Electronic Foreign Currency Pmt (LUM2) |
Pmt Order, Urgent, SWIFT, Cheque, Nordea Acct Transfer, Own Nordea Acct Transfer |
| Northern Trust (US) |
Batch Management System (BMS) |
Outgoing Wire
Transfer between Accounts |
| PNC (US) |
Payables Advantage |
Check (US Mail, FedEx, Return)
ACH (PPD, CCD, CTX)
Wire (Domestic, International - non-repetitive) |
| PNC (US) |
ActivePay |
ActivePay |
| Ruesch (US) |
Portal - Partial XML |
Payment - FreeForm |
| Santanders (UK) |
BACS |
AP Credit |
| Scotia Bank (CA) |
ScotiaConnect Online Web EFT |
Template |
| Scotia Bank (CA) |
Scotia Bank - Direct EFT |
80 byte - Credit |
| Silicon Valley Bank (US) |
eConnect |
Domestic Wire
International Wire |
| SMBC (SG) |
SMARTS |
Cheque (DV), GIRO (BP, PR), Remittance (TT, IT) |
| Societe Generale (FR) |
CMI-101 (EFT) |
Credits |
| SunTrust
(US) |
n/a |
Freeform, Template |
| Swiss Interbank Clearing
(CH) |
DTA |
826, 827, 830, 832, 836 |
| TD Banknorth / TD Bank (US) |
RemEDI - FastTrack |
ACH, Check Issuance, Wire Transfer |
| Toronto Dominion
(CA) |
EFT |
80 byte, Credits and Debits |
| Union Bank of CA (US) |
Payables Services |
FWT, SWT |
| Wachovia (US) |
Wachovia Connection Payment Services |
ACH Transfer
Account Transfer
Book Transfer
Domestic Transfer
Treasury Payment
International Wire Transfer |
| Wachovia (US) |
Wachovia Online Payables |
ACH, Check |
| Wachovia (US) |
Wachovia Integrated Payables |
ACH, ACH w/Paper Advice, Check |
| Wells Fargo (US) |
Commercial Electronic Office (CEO) |
Templated Wire Transfer |
| Wells Fargo (US) |
Commercial Card Expense Reporting (CCER) - AP Control |
Commercial Card |
| Wells Fargo (US) |
Payment Manager Service (PMS-2007) |
DAC, MTS, IWI, CHK |
| Wells Fargo (US) |
Payment Manager Service (PMS-2011) |
CCR |
| US Bank (US) |
SinglePoint |
FED, INT, INTL-USD |
| Zengin (JP) |
Sougou Furikomi |
Comprehensive Bank Transfer
Cross Border Remittance |
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