The application for the transfer of foreign currency has been approved by whom. Rules for formatting application fields for transfers in foreign currency. Filling out the fields of the transfer application

These rules are the main document, which determines the procedure and correctness of filling out the transfer application, are intended for Bank employees to perform control functions and are provided to assist the transferor and respondent banks.

All additions and corrections to the text of the transfer application, certified by the signature of authorized persons, must be submitted to the bank before sending the payment.

Basic terms:

Transferor – payment initiator, payer, sender of funds;

Beneficiary – the final recipient of funds;

Field 32 “Currency and transfer amount”

Transfer amount 1. in figures

2. in words.

Transfer currency 1. in numbers (currency code)

2. in words

Example:

10,000 – 54 USD (Ten thousand 54/100 US dollars)

Field 50 “Translator”- Obligatory field. Filled in Latin, indicate the name and address of the translator, TIN and/or date and place of birth (for individuals), KIO (for non-residents). When transferring funds to customs authorities, it is also necessary to indicate the OKPO of the transferor.

Field 56 “Intermediary bank” - Filled in Latin, optional field. To be completed if, under the terms of the contract, payment must be made through a specific correspondent bank, or in the cases described below.

Field 57 “Beneficiary's bank” - Filled in Latin, Obligatory field. The beneficiary's bank details can be provided in various formats. The beneficiary's bank is always the bank (or bank branch) where the beneficiary holds the account specified in the application.

The beneficiary's bank details are considered sufficient to make the payment if the application contains the following data:

Name of the beneficiary's bank (bank branch);

Address of the beneficiary's bank (bank branch);

City, country;

It is desirable (and priority) the beneficiary's bank code in the SWIFT system, or the bank code in the national clearing system (if they exist and are known to the transferor).

In cases where the beneficiary's bank cannot be identified by the BIC code (CHIPS, FedWire, BLZ, etc.), and the payment is made in a currency other than the national currency of the beneficiary's bank, it is necessary that field 56 of the transfer application indicate a correspondent bank through which the beneficiary's bank receives payments in the currency specified by the transferor in the application.

If in the above-described case the correspondent bank is not indicated by the transferor, and the bank employee cannot determine it using directories, the application is returned to the transferor for clarification of payment instructions with the beneficiary.

SWIFT (S. W. I. F. T.) code format (or BIC – Bank Identifier Code) – 8 or 11 characters. A difference in the number of characters from the specified number is an error in determining the beneficiary bank and may serve as a basis for returning the application to the transferor if there is no other accurate information about the beneficiary bank in the application.

Field 59 “Beneficiary”- Filled in Latin, Obligatory field. The account number and the name of the beneficiary and his address are indicated. The name and address of the beneficiary must be indicated in the application, without abbreviations, in the language in which they are registered. In case of transfer of funds to a resident of the Russian Federation, the name of the beneficiary is indicated in Latin letters, as well as TIN and/or date and place of birth (for individuals), KIO (for non-residents). When transferring funds to customs authorities, it is also necessary to indicate the OKPO of the beneficiary.

If the beneficiary's IBAN is known, it must be indicated. Lack of IBAN when making transfers in currencies European countries may result in delayed payment and additional fees.

Field 70 “Purpose of transfer” - Filled in Latin, here the transferor provides information to the beneficiary, which helps the latter to accurately identify the payment as belonging to a particular transaction (contract number, invoice number, etc.). It is recommended to fill out this field briefly and accurately, without unnecessary detail - for example, do not use “extra” words “ Payment for import Contract No....".

It is also strongly recommended to indicate the name of the goods and services for which the payment is made. The absence of this information does not exclude the possibility of the transfer being executed by a foreign bank, but may lead to a delay in payment and/or correspondence between banks, which may entail additional costs on the part of the transferor.

Field 71A “Expenses”- to whose account (transferr, beneficiary, in half) the costs of the transfer are attributed.

Field 72 “Additional information” - Filled in Latin, optional field. Used when it is necessary to transmit information that cannot be transmitted in other fields.

If the information indicated in this field is a continuation of field 59), then the line should begin with the number 56 (resp. 57, 59).

Field "Information for currency control" - In Russian the necessary information for the purposes of currency control is indicated, for example - PSI, customs declaration, etc. For Bank remitters using the Translator-Bank system: this is the only field that can be filled out in Russian. To correctly fill out this field, you should keep in mind that this field contains two lines of 256 characters each - that is, the lines extend beyond the screen.

It is not advisable to duplicate information from other fields - for example, there is no need to indicate the contract under which the payment is made in paragraph 70 and in this field.

RULES FOR FORMATING THE FIELDS OF THE APPLICATION FOR TRANSFER IN FOREIGN CURRENCY

1. General requirements on filling out an application for transfer in foreign currency
When filling out an application for a transfer in foreign currency, it is allowed to use letters of the Latin alphabet, spaces, numbers and the following symbols:

(

)

,

.

‘

?

:

-

+

/

The use of Cyrillic and other characters in the fields is NOT ALLOWED.

Additional requirements of Kazakhstan and China when transferring funds in the currencies of these countries (Kazakh tenge (KZT) and Chinese yuan (CNY) are presented in Section 3.

2. Filling out the fields of the transfer application

Field	Field name	Filling rules
№	Application for transfer № Required	The serial number of the transfer application is indicated
	date	The date of the application for transfer is indicated
32A	Amount and currency Required	Specify the payment amount and currency code
50F	Payer Required	The details of the client making the funds transfer are indicated: Client account number from which funds are debited during the transfer; Client's name, full or short, as provided for in the client's constituent documents; TIN (taxpayer identification number) of the client; Full address City, country
56A	Intermediary bank	The details of the bank in which the beneficiary's bank (field 57A) has a correspondent account are indicated:
57A	The beneficiary's bank Required	The details of the bank in which the beneficiary (field 59) has an account are indicated: SWIFT international payment system code (consists of 8 or 11 characters) or National clearing code; Correspondent account number of the beneficiary's bank with the intermediary bank (if any); Name and address of the beneficiary's bank (if the national clearing code is indicated).
59	Beneficiary Required	Beneficiary details are indicated: Beneficiary's bank account number (field 57A); When transferring funds in favor of clients of banks in countries in the Europayments zone, the account number is indicated in the formatIBAN. A table of countries is provided in Section 4. Client name or full name individual; Beneficiary's full address.
70	Purpose of payment Required	Indicate information about the transfer: Purpose of the transfer (payment for goods, services, training, travel, real estate, etc.); Number and date of the contract, invoice.
71	Translation costs Required	It is indicated at whose expense the commissions are paid when making a transfer. In this case it is indicated one from code words: BEN - transfer costs are borne by the payee; commissions of all banks participating in the transfer are deducted from the transfer amount. SHA - the costs of the transfer are divided between the sender and the recipient of the payment; commissions of some banks participating in the transfer may be deducted from the transfer amount. OUR - transfer costs are borne by the sender of the funds. In some cases (due to agreements between banks participating in the transfer), the transfer fee may be deducted from the payment amount.
72	Additional Information The field is optional	Provides information for banks involved in payment processing. The code word /FULLPAY/ is indicated, which means that the client uses the service of guaranteed receipt of the transfer in US dollars to the beneficiary in the full amount (used only with the code word OUR indicated in field 71).

3. Additional requirements for transfers in national currencies (KZT, CNY)
According to transfers toKZTnecessary:
- indication of the beneficiary's account in IBAN format in field 59;

Indicate the beneficiary's BIN/IIN in field 59;

Specifying the payment purpose code (KNP) at the beginning of the first line fields 70. The table of payment purpose codes is located at the link http://egov.kz/cms/ru/articles/economics/knp ;

Duplication of the beneficiary's bank SWIFT code (field 57) in field 72.
According to transfers toCNYnecessary:
- indication of payment purpose codes in favor of beneficiaries located in mainland China (a distinctive feature of the bank’s affiliation with mainland China is the letters CN in the bank’s SWIFT code) in field 72. The table of payment purpose codes is indicated in Section 5.

Specifying the SWIFT code branch the beneficiary's bank in field 57 if the beneficiary's bank is a branch of Bank of China, for example:
57:BKCHCNBJF30

BANK OF CHINA GUANGDONG BRANCH

GUANDZHOU CHINA
- indication of the CNAPS (China National Advanced Payment System) payment system code of the beneficiary’s bank in field 57 (in addition to the SWIFT code), if the beneficiary’s bank is not Bank of China, for example:
57:/CN10231 1 762100

ICBKCNBJJSP

INDUSTRIAL AND COMMERCIAL BANK OF CHINA 404 ZHONGSHAN ROAD

EAST NANJING CHINA
Codes SWIFT And CNAPS should be requested from the partner in China

4. List of countries and territories using the codeIBANfor international payments

Country
A country

signs
Example

58
59
60
61
62

Virgin Islands

VG96VPVG0000012345678901

5. Table of codes for the corresponding payment formats inCNYand a list of operations:

CODE	Operation and Description
/PYTR/GOD/	Payment for goods: Payment for goods, including transactions of individual entrepreneurs, purchases of any nature, payment under documentary letters of credit, collection, advance payments, etc.
/PYTR/RGOD/ /PYTR/PRGOD/	Refund of payment for goods (full) Refund of payment for goods (partial)
/PYTR/STR/	Payment for services Payment for services, including operations of individual entrepreneurs, services of any nature (communications, transport, construction, installation, insurance, financial, computer, housing and communal services, information, rent, licensing, advertising, auditing, booking, sports and entertainment, scientific research , medical, registration, etc.)
/PYTR/RSTR/ /PYTR/PRSTR/	Refund of payment for services (full) Refund of payment for services (partial)
/PYTR/CTF/	Capital transactions Transactions with non-financial assets, changes in capital (increase/decrease), direct investments, shareholder investments, lending, securities etc.
/PYTR/RCTF/ /PYTR/PRCTF/	Refund of payment for capital transactions (full) Refund of payment for capital transactions (partial)
/PYTR/OCA/	Other operations Current operations, transfer of profits, bonuses, dividends, taxes, scholarships, pensions, etc.

6. Fulfilling requests for outgoing transfers in foreign currency.
(request about the fate of the transfer/change of payment details, request to cancel the transfer) are carried out by the Bank on the basis of a written application from the client (form given below).

STATEMENT

to conduct an investigation into an outgoing payment in foreign currency of a client-legal entity

Account N ________________________________________________________________(hereinafter referred to as the Account)
Client name________________________________________________________________

□ Please cancel the payment.
□ Please ask the beneficiary's bank about the date the beneficiary's account was credited.
□ Please find out the reason for banks to withhold an additional commission in the amount of _____________ from the transfer amount __________________________________________.

□ Please change your payment details to the following:

____________________________________________________________________________
____________________________________________________________________________
____________________________________________________________________________
Payment date ________________________________________
Currency code and payment amount (in numbers)_____________________________________________

Commission of PJSC "CHELINDBANK" for conducting investigations, as well as commissions of third banks participating in the investigation of this Application, if any are presented:
□ Please write it off from our account No. ____________________________________________
□ We undertake to pay

To be completed by a Bank employee:

Commission written off:
_______________________/___________/ “____”____________20__

(Full name, signature, date)

To carry out foreign exchange transactions, a resident must provide the bank with certain documents and information to confirm the legality of these transactions. You will find a list of documents and information for each operation in the table.

Operation and type of currency

List of documents and information

Crediting to a transit currency account

Option 1:

Option 2:
1. order to write off funds from a transit currency account ()

- about the unique contract number (if the operation is carried out under a registered contract)
- about the transaction type code

note: when choosing Option 2, documents related to transactions 1 must be submitted by the resident to the Bank no later than 15 working days after the date of enrollment Money to a transit currency account

Debiting from a current account in foreign currency

1. application for transfer of foreign currency ()
2. documents related to operations 1
3. information about currency transactions 2:
- about the unique contract number (if the operation is carried out under a registered contract)
- about the expected timing of repatriation 3:
- (if carried out advance payment under an import contract accepted for registration),
- about the transaction type code (at the client’s request)

Crediting to a current account in Russian currency

1. documents related to operations 1 (if the operation is carried out under a contract accepted for registration)
2. information about currency transactions 2:
- about the unique contract number (if the operation is carried out under a registered contract)
- about the transaction type code (in case of disagreement with the transaction type code indicated by the non-resident in the settlement document for the enrollment transaction, or if there is no transaction type code in the settlement document for the enrollment transaction)

Debiting from a current account in Russian currency

1. settlement document for the operation
2. documents related to operations 1
3. information about currency transactions 2:
- about the unique contract number (if the operation is carried out under a registered contract)
- about the expected timing of repatriation 3
- (if carried out advance payment under an import contract accepted for registration).

Notes on the list of documents and information

Form for submitting a settlement document for a transaction to the bank

A settlement document for a transaction is an order for the transfer of funds provided for. It contains before the text part in the details “Purpose of payment” the code of the type of operation, which corresponds to the name of the type of operation specified in Appendix 1 to instruction No. 181-I, as well as information in the documents related to the operations.

Information about the transaction type code is indicated in the following format:
(VO<код вида валютных операций>}.

Indentation (spaces) inside curly braces is not allowed. The symbol "VO" is indicated in capital Latin letters (for example, (VO11100)).

Transaction settlement document not compiled or presented a resident in the following cases:

• when collecting funds in favor of a non-resident in accordance with the legislation of the Russian Federation;
• when directly debiting a current account with the consent of the resident (acceptance, including acceptance given in advance);
• when writing off the currency of the Russian Federation in favor of an individual - a non-resident of pensions, compensation, benefits and other payments in cases established by the legislation on pensions and insurance;
• when carrying out transactions using bank cards;
• when carrying out operations related to settlements under a letter of credit.

Grounds on which a bank may refuse to accept a settlement document for a transaction

• Lack of information about the transaction type code in the settlement document for a resident’s transaction (clause 16.1.1 of Bank of Russia Instruction No. 181-I dated August 16, 2017).
• Inconsistency between the type of transaction code indicated in the payment document and the information in the documents submitted by the resident related to this transaction (clause 16.1.2 of Bank of Russia Instruction No. 181-I dated August 16, 2017).
• If the expected timing of repatriation of foreign currency and (or) currency Russian Federation exceed the date of completion of fulfillment of obligations under the contract specified in the bank control statement; (clause 16.1.1 of Bank of Russia Instruction No. 181-I dated August 16, 2017).
• Non-compliance established by the Instructions Bank of Russia dated August 16, 2017 No. 181-I on the procedure for filling out and submitting relevant documents and information by residents (clause 16.1.5 of Bank of Russia Instruction No. 181-I dated August 16, 2017).

1.2. To transfer funds in foreign currency, the client must submit a completed Application for Foreign Currency Transfer form (hereinafter referred to as the Application) to the Bank for execution. The format of the form complies with the standards of the SWIFT system and the existing technology for processing payments in foreign currency in the Bank's settlement system.

1.3. The Application form is divided into three blocks. The first block contains the Payer's information with instructions to the Bank for making the transfer. The second block is filled in with contact information about the Payer. The third block contains information for currency control purposes.

1.4. To select the filling option, a mark in the form of an “x” is made in the corresponding box.

1.5. The following signs are not permitted in the Application:

№ % # $ & @ ” = \ { } ; * « » ! _ .

1.6. The Application fields are divided into mandatory and optional fields. If the client does not fill in at least one of the required fields, the Application will not be accepted by the Bank for execution.

1.7. If you provide incorrect (incomplete) information about the payer, recipient, recipient bank (branch of the recipient bank), intermediary bank and transfer destination, the transfer may be returned without execution or correspondence will be conducted regarding the transfer to clarify the necessary details, which will lead to a delay in its execution and the occurrence of additional costs. Investigation fees may be charged not only by correspondent banks, but also by other banks involved in the payment process. If incorrect or incomplete details are submitted to the Bank, the Bank is not responsible for the timing of the transfer.

1.8. An Application drawn up in one copy, certified by the seal and signatures of authorized persons in accordance with the card of sample signatures and seal imprint, is accepted for execution.

1. 
   RULES FOR COMPLETING THE APPLICATION

2.1.Field 20 “PAYMENT ORDER” – the serial number of the Application is indicated. The field format for the number is no more than 5 digital characters.

2.2.Field 32A “DATE” – Date of preparation of the Application – indicate the day, month, year in numbers in the YYMMDD format. Example: 130610.

The application is valid for 10 calendar days from the date of preparation (not counting the day of preparation).

2.3.Field 33B “ORDER CURRENCY” – currency is indicated ( letter code currency) 1 . The field size is 3 alphabetic characters. Example: USD

2.4.Field 33B “ORDER AMOUNT” – the transfer amount is indicated with two decimal places. The field size is 15 numeric characters. Example: 5100,35 2

Field "Amount in words" – the transfer amount is indicated in capital letters. The integer part of the amount is decrypted in full, the fractional part is indicated in the format 00/100.

It is allowed to fill out the field in Russian.

Example: Five thousand one hundred US dollars 35/100.
In cases of discrepancies in the amount indicated in numbers and in words, or when the letter code of the currency does not correspond to the name of the currency in words, as well as in the presence of corrections in the amount and name of the currency, the Application will not be accepted for execution.

2.5.Field 50 F "BY ORDER" – indicate the full (or abbreviated depending on the length of the field) corporate name of the Payer on English language, corresponding to the information previously provided to the Bank, INN or KIO number, payer's account number, address of location in accordance with the payer's charter (street, house/building number, city, country, postal code), as well as OKPO, if funds are sent to the customs authorities , in the following sequence:

Account number,

address (name or street number, house number, apartment number) – no more than 33 characters,

location (country code 3 / city name (additionally, region, district, postal code can be indicated separated by a comma) – no more than 33 characters,

INN/KIO if available.

The length of the field, including INN/KIO and payer account number, cannot exceed 140 characters.

Example : 40702840304600000441

1/OAO STROYINVEST

2/str. BOTEVGRADSKAYA,85-33

3/RU/SARANSK,MORDOVIA, RU
2.6. Field 56 “INTERMEDIATOR” – details of the intermediary bank (Intermediary Bank) are indicated in full, without abbreviations. This field is not required to be filled in, however, if the payment is made in a currency other than the national currency of the recipient’s bank, it is desirable that the Application indicates the intermediary bank through which the recipient’s bank receives funds in the currency specified by the payer.

The intermediary's bank details are considered sufficient to make a transfer if the Application contains the following data:

• 
  SWIFT code of the intermediary bank or code of the intermediary bank in the national payment system(if they are known to the payer). The bank's SWIFT code consists of 8 or 11 characters (a combination of Latin letters and numbers). Codes of national payment systems are given in Appendix No. 1 to these Recommendations;
• 
  full name of the intermediary bank (branch of the intermediary bank);
• 
  address of the intermediary bank (branch of the intermediary bank) indicating the city and country.

SWIFT code 4,

account number (if known) 5

name - no more than 33 characters,

address (street name, house number, apartment number) – no more than 33 characters),

location (city, country or country code, Additional Information separated by commas) – 33 characters in total.

Options for filling out correspondent bank details:

If there is no information in this field, the Bank reserves the right to independently choose the payment route.
2.7. Field 57 “RECIPIENT’S BANK” –Beneficiary Bank – bank (bank branch) in which the beneficiary has opened the account specified in the Application. This field is required. The details of the recipient's bank are indicated in full, without abbreviations. The recipient's bank details are considered sufficient to make the transfer if the Application contains the following data:

• 
  SWIFT code of the recipient's bank or bank code in the national payment system (if they are known to the Payer);
• 
  full name of the recipient's bank (branch of the recipient's bank);
• 
  address of the recipient's bank (branch of the recipient's bank) indicating the city and country. For transfers to the USA, the state must be indicated;
• 
  number of the correspondent account of the recipient's bank with the intermediary bank (if it is known to the Payer) in case of specifying the details of the intermediary bank.

Some options for filling in the recipient's bank details:

The discrepancy between the SWIFT code specified in the Application and the name and/or location of the bank in accordance with the data of the international directory “The Bankers Almanach” (published by “Reed Business Information”, UK) 6 , as well as the discrepancy in the number of characters in the SWIFT code, is grounds for a return Applications to the Payer without execution to clarify details.
2.8. Field 59 “RECIPIENT” – details of the Recipient of funds in foreign currency are indicated. This field is required. The field length is 140 characters, and each individual line should not exceed 35 characters. In this field, it is necessary to clearly indicate the Recipient’s details in strict sequence, namely:

• 
  account number or IBAN for transfers sent to the countries specified in Appendix 2 to the Recommendations;
• 
  full name of the Recipient;
• 
  Recipient's full address, including street name or number, house number, city and country.

The information is indicated in the following sequence:

account number (IBAN code 7 is indicated, if it is absent, the account number is indicated),

Name,

address (street name, house number, apartment number),

location – (city, country or country code, additional information separated by commas),

Taxpayer code 8.

Example: 828476

UNEX TRADING LIMITED

12, The Shrubberies, George Lane

London, UK
IBAN number (International Bank Account Number) is an international standard for a client’s bank account number, which includes: country code, code of the bank and its branch, client account number for this bank 9. The list of countries where the IBAN number is required is given in Appendix No. 2 to these Recommendations.

You can check the correctness of your IBAN on the following Internet sites:

http://www.paymentscouncil.org.uk/resources_and_publications/iban_checker/

Example:

In the absence of the name and address of the Recipient (city, country), the Application will not be accepted for execution.
2.9.Field 70 “PAYMENT INFORMATION” – is intended for the Payer to indicate information that allows the Recipient to identify the transfer of funds as belonging to a particular transaction (name of goods, work performed, services rendered, contract number and date, contract number, invoice number, etc.).

This field is required. The information is indicated only in English and is located on four lines of 35 characters each. The maximum number of characters is 140.

Example: CTR 05/79-103 DD 2013/02/13, INVOICE 002003000456
2.10.Field 71 “YOUR COMMISSIONS/EXPENSES” – is subject to mandatory completion and is intended to indicate by the Payer the party at whose expense expenses are incurred and commissions for the transfer are paid.

• 
  at our expense (OUR) – the Payer pays the Bank’s commission for the transfer;
• 
  at the expense of the recipient (BEN) – the Bank’s commission will be deducted from the transfer amount.

Applications that do not indicate the method of deducting the commission will not be accepted.
2.11.Field “CORRESPONDENT BANK COSTS” – is intended to indicate by the Payer the party at whose expense the costs and commissions of intermediary banks involved in the transfer are made.

The client marks the choice of option with an “x”:

• 
  at our expense (OUR) – The payer pays commissions from intermediary banks for the transfer;
• 
  at the expense of the recipient (BEN) – commissions from intermediary banks will be deducted from the transfer amount.

Filling out the field is optional.

If the client indicates in field 71 a note about the payment of the Bank's commission by the Payer, and in the field "Costs of correspondent banks" a note about the deduction of commission fees of intermediary banks from the transfer amount, the SHA code is used in the MT 103 payment order.
2.12.Field 72 “SENDER’S INFORMATION TO RECIPIENT” – used to transmit by the Bank information intended for banks involved in the payment. The field size is 210 characters. Filling out the field is optional.

The information can be located on six lines, the first line indicates the code word and 30 characters, the second to sixth lines can indicate 33 characters in each line.

Additional information may be intended:

with code word /REC/ - for Bank Vozrozhdenie 10,

with code word /ACC/ - for the beneficiary's bank 11,

with the code word /INT/ - for the intermediary bank.
2.13. Field “TRANSFER AMOUNT” – indicates the method of transferring funds. The Client marks the choice of transfer method with an “x”. Filling out the field is optional.
2.14.Field “When executing an order at our expense, please write off commissions from our account No.” – indicates the Payer’s account number from which the transfer fee will be debited.

The account number may differ from the account number specified in the “By order” field.
2.15.Field “ENTERPRISE MANAGER” – handwritten signatures of the head of the enterprise and the chief accountant are affixed, which are certified by the seal of the organization.

A legal entity or individual entrepreneur affixes signatures and a seal of the organization in accordance with the sample signature and seal stamp card.
2.16.Block with contact information – indicate full name. a client representative authorized to resolve the issue of transferring funds in foreign currency and his contact phone number. The data may be supplemented with an email address.

The digital country code of the recipient bank is indicated 12.
2.17.Block with information for currency control:

2.17.1 indicates the code of the type of currency transaction in accordance with the current currency legislation 13;

2.17.2 indicates the number of the transaction passport issued by the Bank. If the transfer is related to settlements under a contract (loan agreement) for which a transaction passport is not required, the field is not filled in.