Tools (9)
Kopie von IBAN und BIC
Mit IBAN und BIC werden Bankverbindungen für den SEPA-Zahlungsverkehr einheitlich dargestellt
Das einheitliche Format bietet eine länderübergreifende Möglichkeit Kontoverbindungen bereits bei der Erfassung auf formale Richtigkeit zu prüfen. Dabei werden Tippfehler verschiedenster Art zuverlässig erkannt.
IBAN und BIC sind im SEPA-Zahlungsverkehr verpflichtend anzuwenden
Das EPC (EuropeanPaymentsCouncil) hat daher für den gesamten SEPA-Zahlungsverkehr bei der Benutzung der grundlegenden Zahlungsmethoden die Verwendung dieser Kontodarstellung zwingend vorgeschrieben.
IBAN und BIC dürfen nicht selbst "errechnet" werden
Obwohl mittlerweile verschiedenste Angebote zu finden sind, vorhandene Kontoverbindungen in der Form Kontonummer / BLZ in die Darstellung IBAN / BIC zu überführen, ist die einzig zulässige, diesbezügliche Auskunft der kontoführenden Bank und dem Kontobinhaber selbst vorbehalten. Einerseits weichen die in der IBAN benutzten BLZ zum Teil ab, andererseits können nicht alle BIC einer Bank für den Zahlungsverkehr verwendet werden.
Demo Finanzamt-Zahlung
some content with no post
EACT-Purpose
Creating and testing the special purpose according to EACT-Format
IBAN-CHECK
The IBAN consists of the ISO-country code, a two-digit check digit, bank informations and the account number. The length of the IBAN can contain up to 34 digits because of country-specific conditions. Austrian IBANs consist of 20 digits.
With the Check-script you can check an IBAN on its formal correctness.
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Format Descritption IBANService
This is how your request should look like:
| Line | Content |
| 1 | REQS;1234567890123456;USRT;2012-01-07;10:11:12;1-1 |
| 2 | 12345;12345678901;;;; |
| 3 | 67890;123456;;;; |
| 4 | 12345;678901;;;; |
| 5 | 54321;123456701;;;; |
| ... | ... |
The response looks like this:
| Line | Content |
| 1 | RTRN;1234567890123456;USRT;2012-01-09;14:15:16;1-1 |
| 2 | 67890;123456;ABCDATWW;AT126789012345678901;;CMPT |
| 3 | 12345;12345678901;ABCDATWW;AT121234512345678901;54321;CMPT |
| 4 | 54321;123456701;;;;AGNX |
| 5 | 12345;678901;;;;ACCL |
| ... | ... |
Hint (when sending a request):
The first line contains 6 fields in the predefined order:
| "REQS" | for Request |
| Bank code/ Account |
exactly 16 digits, numerical, of the requesting account holder |
| "USRT" | for unsorted accounts |
| Date | of the creation of the request in the form YYYY-MM-DD |
| Time | of the creation of the request in the form hh:mm:ss |
| Numbering | of the request in the form n-m meaning "n"th request of "m" requests thereby large stocks can be divided or multiple requests can be created range from 1-1 to 999-999 |
The second line contains 6 fields in the predefined order:
| Bank code |
| Account number |
| 4 blank fields as a placeholder for the response |
Permitted separators are semicolon, comma or tabulator
For Response, please note:
The first line contains 6 boxes in the prescribed order:
| "RTRN" | for Return |
| Bank code/ Account |
exactly 16 digits, numerical as in the request |
| "USRT" | for unsorted accounts, "SORT" for accounts sorted by bank code |
| Date | of the creation of the response in the form YYYY-MM-DD |
| Time | of the creation of the response in the form hh:mm:ss |
| Numbering | in the form n-m (as received in request) |
The second line contains 6 fields in the predefined order:
| Bank code | as in the request |
| Account number | as in the request |
| For CMPT related BIC | or blank |
| For CMPT related IBAN | or blank |
| Optional | the responding office, bank code or BIC or blank |
| Status code | CMPT, AGNX, NDAV, ACNX, ACCL, OERR |
Meaning of the codes:
| CMPT | complete (=OK) IBAN/BIC attached |
| AGNX | agent not existing meaning the IBANService has not registered the bank code and does not know which bank is responsible for the response |
| NDAV | no data available meaning the IBANService registered the bank code indeed, but no informations of this bank code can be delivered |
| ACNX | account not existing meaning the bank does not manage an account with this number |
| ACCL | account closed meaning the bank has already closed the account |
| OERR | other error meaning no otherwise relatable error occured at the investigation |
IBAN and BIC
By IBAN and BIC bank connections are unitarily indicated for SEPA-transactions
The unitary format offers a cross-border possibility to check accounting connections for formal correctness already at the capture. Thereby typing errors of all kinds are detected reliably.
IBAN and BIC must be applied in SEPA payment transactions
Hence the EPC(EuropeanPaymentsCouncil) imposed the usage of this account representation for all SEPA payment transactions on using of fundamental payment methods.
IBAN and BIC must not be "calculated" by oneself
Although offers appear in all kinds by now and existing accounting connections in the form account number / bank code must be transferred into the representation IBAN / BIC, the sole valid information concerning this are reserved for the bank in charge of the account and the account owner. On one hand the bank codes, used in the IBAN, differ partially, on the other hand not all BICs of a bank can be used for payment transactions.
