| 1 |
| Instrument not defined |
| Not defined legally enforceable agreement between two or more parties (expressing a contractual right or a right to the payment of money). |
| 2 | Automated clearing house credit |
| A credit transaction made through the automated clearing house system. |
| 3 | Automated clearing house debit |
| A debit transaction made through the automated clearing house system. |
| 4 | ACH demand debit reversal |
| A request to reverse an ACH debit transaction to a demand deposit account. |
| 5 | ACH demand credit reversal |
| A request to reverse a credit transaction to a demand deposit account. |
| 6 | ACH demand credit |
| A credit transaction made through the ACH system to a demand deposit account. |
| 7 | ACH demand debit |
| A debit transaction made through the ACH system to a demand deposit account. |
| 8 | Hold |
| Indicates that the bank should hold the payment for collection by the beneficiary or other instructions. |
| 9 | National or regional clearing |
| Indicates that the payment should be made using the national or regional clearing. |
|
| 10 |
| In cash |
| Payment by currency (including bills and coins) in circulation, including checking account deposits. |
| 11 | ACH savings credit reversal |
| A request to reverse an ACH credit transaction to a savings account. |
| 12 | ACH savings debit reversal |
| A request to reverse an ACH debit transaction to a savings account. |
| 13 | ACH savings credit |
| A credit transaction made through the ACH system to a savings account. |
| 14 | ACH savings debit |
| A debit transaction made through the ACH system to a savings account. |
| 15 | Bookentry credit |
| A credit transaction, initiated from the buyer's account to the seller's account at the save financial institution. |
| 16 | Bookentry debit |
| A debit transaction initiated from the seller's account to the seller's account at the same financial institution. |
| 17 | ACH demand cash concentration/disbursement (CCD) credit |
| A credit transaction made through the ACH system to a demand deposit account using the CCD payment format. |
| 18 | ACH demand cash concentration/disbursement (CCD) debit |
| A debit transaction made through the ACH system to a demand deposit account using the CCD payment format. |
| 19 | ACH demand corporate trade payment (CTP) credit |
| A credit transaction made through the ACH system to a demand deposit account using the CTP payment format. |
| 20 | Cheque |
| Self explanatory. |
| 21 | Banker's draft |
| Issue of a banker's draft in payment of the funds. |
|
| 22 |
| Certified banker's draft |
| Cheque drawn by a bank on itself or its agent. A person who owes money to another buys the draft from a bank for cash and hands it to the creditor who need have no fear that it might be dishonoured. |
|
| 23 |
| Bank cheque (issued by a banking or similar establishment) |
| Payment by a pre-printed form, which has been completed by a financial institution, on which instructions are given to an account holder (a bank or building society) to pay a stated sum to a named recipient. |
| 24 |
| Bill of exchange awaiting acceptance |
| Bill drawn by the creditor on the debtor but not yet accepted by the debtor. |
|
| 25 |
| Certified cheque |
| Payment by a pre-printed form stamped with the paying bank?s certification on which instructions are given to an account holder (a bank or building society) to pay a stated sum to a named recipient . |
| 26 | Local cheque |
| Indicates that the cheque is given local to the recipient. |
| 27 | ACH demand corporate trade payment (CTP) debit |
| A debit transaction made through the ACH system to a demand deposit account using the CTP payment format. |
| 28 | ACH demand corporate trade exchange (CTX) credit |
| A credit transaction made through the ACH system to a demand deposit account using the CTX payment format. |
| 29 | ACH demand corporate trade exchange (CTX) debit |
| A debit transaction made through the ACH system to a demand account using the CTX payment format. |
|
| 30 |
| Credit transfer |
| Payment by credit movement of funds from one account to another. |
|
| 31 |
| Debit transfer |
| Payment by debit movement of funds from one account to another. |
| 32 | ACH demand cash concentration/disbursement plus (CCD+) credit |
| A credit transaction made through the ACH system to a demand deposit account using the CCD+ payment format. |
| 33 | ACH demand cash concentration/disbursement plus (CCD+) debit |
| A debit transaction made through the ACH system to a demand deposit account using the CCD+ payment format. |
| 34 | ACH prearranged payment and deposit (PPD) |
| A consumer credit transaction made through the ACH system to a demand deposit or savings account. |
| 35 | ACH savings cash concentration/disbursement (CCD) credit |
| A credit transaction made through the ACH system to a demand deposit or savings account. |
| 36 | ACH savings cash concentration/disbursement (CCD) debit |
| A debit transaction made through the ACH system to a savings account using the CCD payment format. |
| 37 | ACH savings corporate trade payment (CTP) credit |
| A credit transaction made through the ACH system to a savings account using the CTP payment format. |
| 38 | ACH savings corporate trade payment (CTP) debit |
| A debit transaction made through the ACH system to a savings account using the CTP payment format. |
| 39 | ACH savings corporate trade exchange (CTX) credit |
| A credit transaction made through the ACH system to a savings account using the CTX payment format. |
| 40 | ACH savings corporate trade exchange (CTX) debit |
| A debit transaction made through the ACH system to a savings account using the CTX payment format. |
| 41 | ACH savings cash concentration/disbursement plus (CCD+) credit |
| A credit transaction made through the ACH system to a savings account using the CCD+ payment format. |
|
| 42 |
| Payment to bank account |
| Payment by an arrangement for settling debts that is operated by the Post Office. |
| 43 | ACH savings cash concentration/disbursement plus (CCD+) debit |
| A debit transaction made through the ACH system to a savings account using the CCD+ payment format. |
| 44 | Accepted bill of exchange |
| Bill drawn by the creditor on the debtor and accepted by the debtor. |
| 45 | Referenced home-banking credit transfer |
| A referenced credit transfer initiated through home-banking. |
| 46 | Interbank debit transfer |
| A debit transfer via interbank means. |
| 47 | Home-banking debit transfer |
| A debit transfer initiated through home-banking. |
| 48 | Bank card |
| Payment by means of a card issued by a bank or other financial institution. |
| 49 | Direct debit |
| The amount is to be, or has been, directly debited to the customer's bank account. |
|
| 50 |
| Payment by postgiro |
| Payment by an unconditional promise in writing made by one person to another, signed by the maker, engaging to pay on demand or at a fixed or determinable future time a sum certain in money, to order or to bearer. |
|
| 60 |
| Promissory note |
| Payment by an unconditional promise in writing made by the debtor to another person, signed by the debtor, engaging to pay on demand or at a fixed or determinable future time a sum certain in money, to order or to bearer. |
|
| 61 |
| Promissory note signed by the debtor |
| Payment by an unconditional promise in writing made by the debtor to another person, signed by the debtor and endorsed by a bank, engaging to pay on demand or at a fixed or determinable future time a sum certain in money, to order or to bearer. |
|
| 62 |
| Promissory note signed by the debtor and endorsed by a bank |
| Payment by an unconditional promise in writing made by the debtor to another person, signed by the debtor and endorsed by a third party, engaging to pay on demand or at a fixed or determinable future time a sum certain in money, to order or to bearer. |
|
| 63 |
| Promissory note signed by the debtor and endorsed by a third party |
| Payment by an unconditional promise in writing made by the bank to another person, signed by the bank, engaging to pay on demand or at a fixed or determinable future time a sum certain in money, to order or to bearer. |
|
| 64 |
| Promissory note signed by a bank |
| Payment by an unconditional promise in writing made by the bank to another person, signed by the bank and endorsed by another bank, engaging to pay on demand or at a fixed or determinable future time a sum certain in money, to order or to bearer. |
|
| 65 |
| Promissory note signed by a bank and endorsed by another bank |
| Payment by an unconditional promise in writing made by a third party to another person, signed by the third party, engaging to pay on demand or at a fixed or determinable future time a sum certain in money, to order or to bearer. |
|
| 66 |
| Promissory note signed by a third party |
| Payment by an unconditional promise in writing made by a third party to another person, signed by the third party and endorsed by a bank, engaging to pay on demand or at a fixed or determinable future time a sum certain in money, to order or to bearer. |
|
| 67 |
| Promissory note signed by a third party and endorsed by a bank |
| Unconditional order in writing addressed by the creditor to the debtor, signed by the creditor, requiring the debtor to pay a sum in money to or to the order of a specified person or to bearer. |
|
| 70 |
| Bill drawn by the creditor on the debtor |
| Bill drawn by the creditor on the debtor. |
|
| 74 |
| Bill drawn by the creditor on a bank |
| Bill drawn by the creditor on a bank. |
|
| 75 |
| Bill drawn by the creditor, endorsed by another bank |
| Bill drawn by the creditor, endorsed by another bank. |
|
| 76 |
| Bill drawn by the creditor on a bank and endorsed by a third party |
| Bill drawn by the creditor on a bank and endorsed by a third party. |
|
| 77 |
| Bill drawn by the creditor on a third party |
| Bill drawn by the creditor on a third party. |
|
| 78 |
| Bill drawn by creditor on third party, accepted and endorsed by bank |
| Bill drawn by creditor on third party, accepted and endorsed by bank. |
| 91 | Not transferable banker's draft |
| Issue a bankers draft not endorsable. |
| 92 | Not transferable local cheque |
| Issue a cheque not endorsable in payment of the funds. |
| 93 | Reference giro |
| Ordering customer tells the bank to use the payment system 'Reference giro'. Used in the Finnish national banking system. |
| 94 | Urgent giro |
| Ordering customer tells the bank to use the bank service 'Urgent Giro' when transferring the payment. Used in Finnish national banking system. |
| 95 | Free format giro |
| Ordering customer tells the ordering bank to use the bank service 'Free Format Giro' when transferring the payment. Used in Finnish national banking system. |
| 96 | Requested method for payment was not used |
| If the requested method for payment was or could not be used, this code indicates that. |
| 97 | Clearing between partners |
| Amounts which two partners owe to each other to be compensated in order to avoid useless payments. |
| ZZZ | Mutually defined |
| Self explanatory. |
