Bankline ISO 20022 FAQs

We will provide an update with further information on when support for MT format payment imports will end. These formats can continue to be used by customers for the time being.

However, as MT formats are being replaced by MX formats across the industry, and with no provision for enhanced data fields in MT message types, it would be prudent to plan to migrate to an alternative format (ISO 20022 MX based or Bankline CSV) by November 2025.

Some customers may find they need to switch from MT messages earlier. For example if you are making certain property related CHAPS payments then from May 2025 you will need to supply an appropriate purpose code, and the MT message format has no field to supply this in.

Customers can provide like for like data in ISO 20022 MX formats for Faster Payment imports today, however enhanced data will not be supported for Faster Payments at this time. We will provide notification to customers when this will be supported.

Payments that do not have a requirement to include enhanced data can continue to be imported using other import formats while they remain available for use. We also intend to extend our CSV format to accommodate enhanced data that is to be made mandatory. So whilst you don’t have to move to ISO 20022 formats they are likely to offer benefits that cannot be provided via the CSV format.

ISO 20022 delivers a common language and model for exchanging payments data across the globe, provides richer and higher quality information than current messaging standards and better enables future innovation and development in the UK payments ecosystem.

Bankline customers can already adopt ISO 20022 MX formats on a like for like basis for all import payment types.

Enhanced data for SEPA Credit Transfers became available from March 2024. Enhanced data for CHAPS payments is available from February 2025. Make sure you are using the most up to date version of the XML import guide which includes specific guidance on CHAPS payments found on Bankline.

You can also access a Bankline online community on ‘Swift MyStandards’ to access interactive format information and test your files to get feedback on any formatting issues.

For Bankline File Import:

• If you’re using CSV format we've also created an advance copy of our Bankline CSV guide showing where the enhanced data can be used..
• If you’re using ISO 20022 formats you can view the latest pain001.001.09 file import guide or visit our Bankline online community on ‘Swift MyStandards’. We’ve created a Bankline Swift MyStandards guide to help you get registered and find the Bankline information and testing portal. 

If you’re a Bankline Direct customer, you can visit NatWest Swift MyStandards for the latest ISO 20022 payment format guides. (Please note that the formats differ to Bankline so make sure you’re accessing the right community). We also have format translation documentation to help customers identify where key information from their existing format will be entered in the ISO 20022 MX formatted payments.

Business and corporate customers will submit Customer Credit Transfer Initiation pain.001.001.09 format import files.

Purpose codes can optionally be included for CHAPS payments made by Business and Corporate customers using the Bankline ‘domestic payment’ screen. 

From 1st May 2025 a purpose code will be mandatory for certain CHAPS property transactions.

From November 2027 purpose codes will be mandatory for ALL CHAPS payments.

Ability to capture this information in an import file will follow by February 2025 (using XML and Bankline CSV formats).

LEIs can optionally be included for CHAPS payments made by Business and Corporate customers using the Bankline ‘domestic payment’ screen. 

From November 2027 LEIs will be mandatory for ALL CHAPS payments.

Ability to capture this information in an import file will follow by February 2025 (using XML and Bankline CSV formats).

Hybrid or fully structured addresses will be made available for CHAPS payments during H1 2025 and usage is encouraged. These will become mandatory from November 2026 for ALL CHAPS payments when fully unstructured addresses will no longer be supported.

Hybrid addresses will require the use of structured town and country fields while other address elements can remain unstructured.

Financial Institution customers will submit FI to FI Customer Credit Transfer pacs.008.001.08.

Purpose codes can optionally be included for CHAPS payments made by Financial Institution customers using the Bankline ‘domestic payment’ screen. 

From 1st May 2025 a purpose code will be mandatory for CHAPS payments between Financial Institutions and for certain CHAPS property transactions.

From November 2027 purpose codes will be mandatory for ALL CHAPS payments.

Ability to capture this information in an import file will follow by February 2025 (using XML and Bankline CSV formats).

LEIs can optionally be included for CHAPS payments made by Financial Institution customers using the Bankline ‘domestic payment’ screen. From 1st May 2025 LEIs will be mandatory for CHAPS payments between Financial Institutions or where a party to the payment (e.g. Debtor, Creditor) is a Financial Institution.

From November 2027 LEIs will be mandatory for ALL CHAPS payments.

Ability to capture this information in an import file will follow by February 2025 (using XML and Bankline CSV formats).

Hybrid or fully structured addresses will be made available for CHAPS payments during H1 2025 and usage is encouraged. These will become mandatory from November 2026 for ALL CHAPS payments when fully unstructured addresses will no longer be supported.

Hybrid addresses will require the use of structured town and country fields while other address elements can remain unstructured.

As bank-wide ISO 20022 changes are rolled out you’ll start to notice the following differences in some of your CHAPS payment advices.

The ‘Your Reference’ field in the top right might have extra information, shown with a ‘+’ sign. If needed, this extra information can be found in the ‘Payment Details’ section of your advice.

Your address will be included on the top left corner of your advice. If you need to make changes to the address linked to your account, see How do I change my business address?

The ‘Beneficiary account number’ now includes the full sort code and account number (not just the account number).

The ‘Charge type’ will now be blank for some payments.

The ‘Our Reference’ field will now include references starting ‘OPF’, which helps us to identify a payment through bank systems.

The ‘Beneficiary bank ID’ field will now include the Clearing System Identifier for some payments, such as ‘GBDSC’, which helps to identify a UK domestic sort code.

We have started to introduce ISO 20022 based reporting into Bankline with individual Camt.054 Debit and Credit advices available from the Original Bankline Payment Advice screens. And we plan to increase the level of detail provided in these advices in the future.

  You'll ll need to be in the Original Bankline screens.

• Once in Original Bankline, click ‘Account information’ on the left-hand side menu, and go to either:
• ‘View statements’ and select the account and dates you wish to view
• Or ‘View account balances’ and click on ‘Search Transactions’ for the account and dates you need
• Take a look under the ‘Payment advice’ column, and you’ll see ‘View’ if there’s a payment advice available for that individual entry.
• After you click ‘View’, you’ll be able to see the option ‘Export Camt.054’ to the bottom right of the screen, which will export the payment advice as a Camt.054 xml file.

As bank-wide changes are rolled out you’ll start to notice the following differences in some of your CHAPS payment narratives. The transaction code will display as CHP from the day the payment is made. The bank’s reference shown in your statement will start with ‘OPF’ followed by nine numbers. You’ll also now be able to see the full five lines of narrative information about the CHAPS on the same day the payment is made.

LEIs, purpose codes and structured addresses submitted in outbound payments will not be included in statement downloads, regardless of format.

We will be investigating the best way to incorporate the enhanced data that MX messaging makes available into Bankline’s screens, PDF’s, and other exported outputs.