International Wire Transfer Guide

Treasury Management Solutions

International Wire

Transfer Guide

Effective as of March 7, 2016

International Wire Transfer Guide

Contents

1 Introduction

2 Key Reference Terms

4 Overview of Payment Instruction Requirements by Country

4 Americas

5 Asia

6 Europe

8 Middle East and Africa

10 Additional Payment Instruction Requirements by Country

12 Purpose of Payment Codes

12 Brunei

16 China

17 India

22 Jordan

25 Russia

32 United Arab Emirates

International Wire Transfer Guide

Welcome to Capital One’s International Wire Transfer service. Please use this guide to

help you make timely and accurate payments to beneﬁciaries around the world. If you have questions

along the way, please contact our Treasury Management Client Services team at 1-866-632-8888 or

[email protected].

Keep in mind, payment formats and information are subject to constant change. As global payment

systems and political climates evolve, we recommend you obtain speciﬁc payment formatting instruc-

tions from

your intended recipient or a source published by the payment destination country.

Getting Started

To begin making international wire transfers, you’ll need to have the basic identifying information

shown below. Additional information may be required by country.

Please Have the Following Information Ready

•

Ordering account number and the sender’s account to be debited

•

Full beneﬁciary name - do not use initials, which may delay receipt of funds

•

Beneﬁciary address

•

Beneﬁciary telephone number

•

Beneﬁciary account number

•

Beneﬁciary’s full bank name, bank address, SWIFT Bank Identiﬁer Code (SWIFT BIC), and branch

identiﬁer if required

•

If the wire is being initiated on behalf of a third party, you’ll need the third party’s name and address

•

International Bank Account Number (IBAN), if required

Additional Information That May Be Required

Additional information requirements vary by country. Examples include the beneﬁciary’s telephone

number, the beneﬁciary’s

Tax ID, the purpose of payment description, etc. Please check with your

recipient to ensure you are providing all of the information needed.

Intermediary Bank

Intermediary banks are often used when a payment is made in a currency that is different from the

local currency. When

making a payment through an intermediary bank, you must include the interme-

diary bank’s SWIFT BIC.

The Intermediary Bank is typically obtained from the Beneﬁciary Bank as their preferred routing bank.

You can contact your

intended recipient to obtain the name of this bank and its SWIFT BIC.

Charges

Intermediary banks that process payments charge a fee to cover their processing costs. These fees are

known as Beneﬁciary

Deduction “Bene Deduct” fees and are in addition to the wire transfer initiation

fee. Because not all intermediary banks between the Originator and Beneﬁciary are known when

the

wire transfer is initiated, the sum of all fees cannot be determined until after the wire transfer has been

completed.

International Wire Transfer Guide

Key Reference Terms

Cut-off Times to Send Instructions

For same-day processing, all outgoing international wire transfer instructions must be received before

5 p.m. ET.

Beneﬁciary

The intended recipient of your payment.

Beneﬁciary Bank

The bank of the Beneﬁciary where your payment will be deposited.

Intermediary Bank

The routing bank preferred by the Beneﬁciary Bank. Using the correct Intermediary Bank streamlines

cross-border hand-offs between banks.

Identifying Banks in Your Payment Instruction

SWIFT BIC (Bank Identiﬁer Codes) are required for all international wire transfers. To optimize the

payment process, you should also include the SWIFT BIC of the

Intermediary Bank suggested by your

recipient’s bank.

SWIFT BIC (Bank Identiﬁer Code)

The SWIFT Bank Identiﬁer Code is a unique series of 8 or 11 alpha numeric characters that identiﬁes

a speciﬁc ﬁnancial institution and its branch. This code is used to ensure automated and accurate

identiﬁcation of ﬁnancial institutions within payment systems when a message or money is transferred.

Your Beneﬁciary can provide you with the SWIFT BIC. Most SWIFT BICs use only the 8 character head

ofﬁce version, but some require the additional 3 characters that designate a speciﬁc branch location.

To ensure timely delivery, your instructions for international outgoing wires should include the SWIFT BIC

for the Beneﬁciary Bank and Intermediate Bank (if needed) in the designated instruction ﬁelds.

IBAN (International Bank Account Number)

The IBAN varies by country. Sending a wire to a participating country without the IBAN can delay the

wire, or the receiving

bank may reject the wire when the IBAN is not included in the payment.

CLABE (Clave Bancaria Estandarizada)

The CLABE is a banking standard for the numbering of bank accounts in Mexico. The CLABE account

code has 18 digits.

SEPA (Single Euro Payments Area)

The creation of the Single Euro Payments Area (SEPA) is a European Union public authorities’

integration initiative in the

area of electronic euro payments. The SEPA zone is comprised of

34 countries, including Switzerland and Liechtenstein. SEPA

eliminates differences between national

and cross-border payments for certain transactions denominated in euro.

International Wire Transfer Guide

Purpose of Payment

Wire transfers to countries such as Brunei, China, India, Jordan, Russia, the United Arab Emirates,

and others require a

purpose of payment description. Certain countries have set speciﬁc codes for

each purpose of payment. Other countries

require that the purpose of payment be clearly identiﬁed

via a brief description of up to 35 characters. Codes and descriptions

are detailed in this guide.

Description examples include payment on exported goods, payment on computer services,

foreign

direct investment, and salary to employee.

Purpose of Payment Codes

In addition to standard payment requirements, central banks in certain countries require speciﬁc

codes to be included in the payment

instruction. These codes are used to advise the government

of the receiving country on why the payment is being made, to

help route payments, and to identify

beneﬁciaries properly.

International Wire Transfer Guide

Americas

Country of Payment Currency

Currency

Code

Bank Account

Number Purpose of Payment

Additional

Requirements

Argentina Peso ARS Required - free form

Aruba Florin AWG

Bahamas Dollar BSD Required - free form

Barbados Dollar BBD

Belize Dollar BZD

Bermuda Dollar BMD

Bolivia Peso BOB

Brazil Real BRL IBAN Required - free form

Canada Dollar CAD Required - free form

Cayman Islands Dollar KYD

Chile Peso CLP Required - free form

Colombia Peso COP Required - free form

Costa Rica Colon CRC IBAN Required - free form

Dominican Republic Peso DOP IBAN Optional Required - free form

East Caribbean Dollar XCD

El Salvador Colon SVC

French Guiana Euro EUR IBAN

Guadeloupe Euro EUR IBAN

Guatemala Quetzal GTQ IBAN Required - free form

Guyana Dollar GYD

Honduras Lempira HNL Required - free form

Jamaica Dollar JMD

Martinique Euro EUR IBAN

Mexico Peso MXN CLABE**

Netherlands Antilles Guilder ANG

Nicaragua Cordobas NIO

Paraguay Guarani PYG Required - free form

Peru Nuevo Sol PEN

Saint Barthelemy Euro EUR IBAN

Saint Martin Euro EUR IBAN

Sint Maarten Guilder ANG

Trinidad and Tobago Dollar TTD

United States Dollar USD Required - free form

Uruguay Peso UYU Required - free form

Virgin Islands, British Dollar USD IBAN

*Purpose of Payment should be clearly identiﬁ ed via a brief description of up to 35 characters. Refer to this guide for formatting of country-speciﬁ c codes.

** Clave Bancaria Estandarizada

International Wire Transfer Guide

Asia

Country of Payment Currency

Currency

Code

Bank Account

Number

Purpose of Payment

Additional

Requirements

Australia Dollar

AUD

Required - free form

Bangladash Taka

BDT

Brunei Dollar

BND

Required - codes

Cambodia Riel

KHR

China

Yuan

Renminbi

CNY

Required - codes

Fiji Dollar FJD

French Polynesia CFP Franc XPF IBAN

Hong Kong Dollar

HKD

India

Rupee

INR Required - codes

Indonesia

Rupiah

IDR Required - free form

Japan Yen JPY

Kazakhstan Riel

KZT

IBAN Required - free form

Macao Pataca

MOP

Malaysia Ringgit MYR Required - free form

Nepal Rupee

NPR

New Caledonia CFP Franc XPF IBAN

New Zealand Dollar

NZD

Pakistan Rupee

PKR

IBAN Required - free form

Papua New Guinea Kina

PGK

Philippines Peso

PHP

Required - free form

Singapore Dollar

SGD

Required - free form

Solomon Islands Dollar

SBD

Somoa

Tala

WST

South Korea Won

KRW

Required - free form

Sri Lanka Rupee

LKR

Tahiti Franc XPF Required - free form

Taiwan Dollar TWD Required - free form

Thailand Baht

THB

Required - free form

Tonga Panga

TOP

Vanuatu Vatu

VUV

Vietnam Dong

VND

Wallis and Futuna

Islands

CFP Franc XPF IBAN

*Purpose of Payment should be clearly identiﬁed via a brief description of up to 35 characters. Refer to this guide for formatting of country-speciﬁc codes.

International Wire Transfer Guide

Europe

Country of Payment Currency

Currency

Code

Bank Account

Number Purpose of Payment

Additional

Requirements

Albania

Lek ALL IBAN

Andorra

Euro

EUR

IBAN

Armenia

Dram

AMD

Austria

Euro

EUR

IBAN

Belgium

Euro

EUR

IBAN

Bosnia and

Herzegovina

Convertible

Mark

BAM

IBAN Required - free form

Bulgaria

Lev BGN IBAN

Channel Islands

Pound

Sterling

GBP IBAN

Croatia

Kuna

HRK

IBAN Required - free form

Cyprus

Euro

EUR

IBAN

Czech Republic

Koruna

CZK

IBAN

Denmark

Krone

DKK

IBAN

Estonia

Kroon

EEK

IBAN

Eurozone

Euro

EUR

IBAN Required - free form

Finland

Euro

EUR

IBAN

France

Euro

EUR

IBAN

Georgia Lari GEL IBAN

Germany Euro

EUR

IBAN

Gibraltar

Pound GIP IBAN

Greece

Euro

EUR

IBAN

Hungary

Forint

HUF

IBAN

Iceland

Krona ISK IBAN

Ireland

Euro

EUR

IBAN

Isle of Man

Pound

Sterling

GBP IBAN

Italy

Euro

EUR

IBAN

Latvia Lats LVL IBAN

Liechtenstein

Franc

CHF

IBAN

Lithuania

Litas LTL IBAN

Luxembourg

Euro

EUR

IBAN

Macedonia

Denar MKD IBAN

Malta

Euro

EUR

IBAN

Moldova

Leu MDL IBAN

Monaco

Euro

EUR

IBAN

Montenegro

Euro

EUR

IBAN

Netherlands

Euro

EUR

IBAN

Norway Krone

NOK

IBAN

*Purpose of Payment should be clearly identiﬁed via a brief description of up to 35 characters. Refer to this guide for formatting of country-speciﬁc codes.

International Wire Transfer Guide

Country of Payment Currency

Currency

Code

Bank

Account

Number Purpose of Payment

Additional

Requirements

Poland Zloty

PLN

IBAN

Portugal Euro

EUR

IBAN

Romania Lei RON IBAN

Russia Ruble

RUB

Required - free form

Saint Pierre et

Miquelon

Euro

EUR

IBAN

San Marino Euro

EUR

IBAN

Serbia Dinar

RSD

IBAN

Slovac Republic

(Slovakia)

Euro

EUR

IBAN

Slovenia Euro

EUR

IBAN

Spain Euro

EUR

IBAN

Sweden Krona

SEK

IBAN

Switzerland Franc

CHF

IBAN

Turkey Lira

TRY

IBAN Required - free form

Ukraine Hryvnia

UAH

United Kingdom

Pound

Sterling

GBP IBAN

*Purpose of Payment should be clearly identiﬁed via a brief description of up to 35 characters. Refer to this guide for formatting of country-speciﬁc codes.

International Wire Transfer Guide

Middle East and Africa

Country of Payment Currency

Currency

Code

Bank Account

Number

Purpose of Payment

Additional

Requirements

Algeria Dinar

DZD

Required - free form

Angola Kwanza

AOA

Required - free form

Azerbaijan Manat

AZN

IBAN

Bahrain Dinar

BHD

IBAN Required - free form

Botswana Pula BWP

Cape Verde Escude

CVE

Central African

Federation

Franc XOF

Egypt Pound

EGP

Ethiopia Birr

ETB

Ghana Cedi GHS

Israel Shekel ILS IBAN

Jordan Dinar JOD IBAN Required - codes

Kenya Shilling

KES

Kuwait Dinar KWD IBAN Required - free form

Lebanon Pound

LBP

IBAN Required - free form

Lesotho Loti

LSL

Madagascar Ariary

MGF

Required - free form

Malawi Kwacha MWK

Mauritania Ouguiya MRO IBAN

Mauritius Rupee MUR IBAN

Mayotte Euro

EUR

IBAN

Morocco Dirham MAD

Mozambique Metical MZN

Namibia Dollar

NAD

Nigeria Niaras

NGN

Oman Rial

OMR

Palestine Shekel ILS IBAN

Qatar Rial QAR IBAN Required - free form

Reunion Island Euro

EUR

IBAN

Rwanda Franc RWF

Saudi Arabia Riyal

SAR

IBAN Required - free form

Seychelles Rupee

SCR

Sierra Leone Leone SLL

South Africa Rand

ZAR

Swaziland Lilangeni

SZL

Tanzania Shilling

TZS

Tunisia Dollar

TND

IBAN

Uganda Shilling

UGX

*Purpose of Payment should be clearly identiﬁed via a brief description of up to 35 characters. Refer to this guide for formatting of country-speciﬁc codes.

International Wire Transfer Guide

Country of Payment Currency

Currency

Code

Bank Account

Number

Purpose of Payment

Additional

Requirements

United Arab Emirates Dirham

AED

IBAN Required - codes

Yemen

Rial

YER

Zambia Kwacha

ZMK

Required - free form

*Purpose of Payment should be clearly identiﬁed via a brief description of up to 35 characters. Refer to this guide for formatting of country-speciﬁc codes.

International Wire Transfer Guide

Additional Requirements

Country of

Payment Currency Required Information

Algeria Dinar (DZD)

The purpose of the payment must also be included with the transaction.

Payment

details must indicate the reason for the invoice.

Angola

Kwanza (AOA)

Transactions processed in Angolan Kwanza (AOA) must include a

25-character

account number

Argentina Peso (ARS) • Beneﬁciary’s telephone number

• Beneﬁciary CBU and CUIT number

• The beneﬁciary is required to sign documents at their bank in order to

receive ARS in their account

Australia DOLLAR (AUD) BSB Codes denoting bank branch

Bahamas DOLLAR (BSD)

Payments in Bahamian dollars from accounts in EMEA must be sent to

one of the

following beneﬁciary banks: First Caribbean, Royal Bank of

Canada, Scotia Bank

Bosnia and

Herzegovina

CONVERTIBLE

MARK (BAM)

The following details must be included if the ﬁnal beneﬁciary belongs to

a budget

organization (government organization): Budget Organization

Code, Proﬁt type (6!c),

Citation number (municipality) (3!c)

Brazil REAL (BRL)

Beneﬁciary email address (do not use @ symbol, instead use “ AT “ with

space before

and after)

Brunei DOLLAR (BND) Speciﬁc Payment Codes required, as detailed in this guide.

Central African

Federation

FRANC (XAF)

Transactions processed in Central African franc (XAF) should include

a 23-digit

account number (5-digit bank code + 5-digit branch code +

11-digit account number +

2-digit key).

Chile PESO (CLP) • Beneﬁciary’s name and complete address

• RUT (Chilean tax) Number

• Beneﬁciary’s telephone number

• Beneﬁciary’s account type

China

YUAN

RENMINBI

(CNY)

• Beneﬁciary bank information, i.e. name and SWIFT Code

• Reason / purpose for payment

• Beneﬁciary’s name

• Telephone number of the beneﬁciary

• Ordering company’s complete name

• Ordering company’s complete address

Speciﬁc Payment Codes required, as detailed in this guide.

Costa Rica COLON (CRC) • Beneﬁciary’s telephone number

• Beneﬁciary’s 17-digit account number

• Beneﬁciary National ID

Dominican

Republic

PESO (DOP)

Transactions processed in Dominican Republic Peso (DOP) to an

institution must

include the RNC also known as a TAX ID card number or

the “Registro Mercantil

which is the registration number of the institution

in the Chamber of Commerce of

Santo Domingo

Guatemala QUETZAL (GTQ) • NIB 11-digit account number

• Beneﬁciary’s telephone number

Honduras LEMPIRA (HNL)

Payments processed in Honduran lempira (HNL) require that a detailed

purpose of

payment be included with all transactions

India RUPEE (INR) Speciﬁc Payment Codes required, as detailed in this guide.

Jordan DINAR (JOD) Speciﬁc Payment Codes required, as detailed in this guide.

International Wire Transfer Guide

Country of

Payment Currency Required Information

Madagascar ARIARY (MGF) Transactions processed in Malagasy Ariary (MGA) must include a

27-character account number

Malaysia RINGGIT (MYR) Transactions processed in Malaysian Ringgit (MYR) require additional detail.

The following information must be included: A ﬁve digit payment purpose

code, Payment description, A seven digit sort code must be included with

payments greater than MYR 10,000

Mexico PESO (MXN) 18-Digit CLABE

Paraguay GUARANI (PYG) Beneﬁciary’s Tax ID

Philippines PESO (PHP) Remitter/Originator full information as well as freeform Payment Purpose

Russia RUBLE (RUB) 1. Amount of rubles down to the kopeck

2. Beneﬁciary account number MUST be 20 digits and contain (810) to

match CCY Code

3. Beneﬁciary INN (Tax ID): 10-12 digit numerical code will be forwarded to

you by the beneﬁciary

4. Beneﬁciary Bank BIK code (Russian bank code) 9 digits

5. Beneﬁciary Bank Correspondent account # with the Central Bank code -

20 digits

6. VO Code (type of payment) – VO followed by ﬁve digits, example:

VOØ2Ø1Ø

7. Value-Added Tax: Is it included, or not included in the wire?

Speciﬁc Payment Codes required, see Appendix for Russia Codes

Singapore DOLLAR (SGD) Remitter Information in Full/Ultimate Beneﬁciary

South Korea WON (KRW) Beneﬁciary’s telephone number

Taiwan DOLLAR (TWD) All electronic payments and transfers to and from Taiwan, regardless of

currency, require either a purpose code or description of payment in lieu of

a code. Failure to comply may result in a payment/transfer being delayed or

rejected

United Arab

Emirates

DIRHAM (AED) Speciﬁc payment codes required, see Appendix for United Arab Emirates

Codes

United States DOLLAR (USD) Account Number, Full Name, Street Address (NOT PO BOX), City + Country

Uruguay PESO (UYU) Payments in Uruguayan pesos must be sent to one of the following in

country beneﬁciary banks: Citibank Uruguay, HSBC

Vietnam DONG (VND) Exact bank location - branch

International Wire Transfer Guide

Brunei, Purpose of Payment Codes

Payment Group Payment Purpose Payment Code

Goods

Merchandise imports 10101

Goods for processing 10102

Repairs on goods 10103

Goods procured in ports by carriers 10104

Non-monetary gold (held as a store of value) 10105

Non-monetary gold (other) 10106

Services - Transportation

Sea transport-Passenger fares 10201

Sea transport-Freight 10202

Sea transport-Others(port expenses, charter of ships, etc.) 10203

Air transport-Passenger fares 10204

Air transport-Freight 10205

Air transport-Others(port expenses, charter of ships with operators,

agents’ fees,

etc.)

10206

Other transport-Passenger fares 10207

Other transport-Freight 10208

Other transport-Others 10209

Services - Travel

Remittances for educational purposes 10301

Foreign currency notes sold for use abroad 10302

Travellers’ cheques sold for use abroad 10303

Telegraphic transfers/drafts/cheques in favour of Brunei residents going

abroad

10304

Credit card payments 10305

Hotel and lodging expenses for visits abroad by Brunei residents 10306

Medical fees 10307

Refunds on car rentals 10308

Other travel payments, e.g. for package tours 10309

Services - Communication Communication Services 10401

Services - Construction

Services

Construction Services 10501

Services - Insurance

Services

Merchandise insurance premiums paid (on exports and imports) 10601

Other insurance premiums paid 10602

Insurance claims paid 10603

Insurance refunds 10604

Services -

Financial Services

Commissions 10701

Underwriting Fees 10702

Bank Charges 10703

Services

Computer and Information Services 10801

Royalties and License Fee - Patent Fees and Copyrights 10901

International Wire Transfer Guide

Payment Group Payment Purpose Payment Code

Services - Other Business

Services

Hire of equipment 11001

Charter of ships and aircrafts without operators 11002

Advertising 11003

Fees for management, consultancy or other professional services 11004

Other refunds 11005

Other services 11006

Services - Personal

Cultural and

Recreational

Film rental 11101

Refunds on subscription and fees 11102

Audiovisual and related services 11103

Other personal, cultural and recreational services 11104

Services - Government

Services Not

Classiﬁed

Elsewhere

Payments to foreign government and international bodies for service 11201

Government transactions 11202

Income - Compensation

of Employees

Salaries and allowances paid by Brunei resident ﬁrms to non-residents 11301

Income - Investment

Income

Rental payments on land and property 11401

Transfers of proﬁts from branch or subsidiary in Brunei 11402

Head ofﬁce remittances to meet losses of branches abroad 11403

Dividends 11404

Interest 11405

Current Transfers

General government - Income tax, property tax, etc. 11501

General government - Tax refunds by Brunei government 11502

General government - Funding 11503

Current Transfers - Other

Sectors

Remittances for family maintenance 11601

Gift or donations 11602

Pensions 11603

Capital Transfers

General government - Debt forgiveness 20101

General government - Grants to foreign government and international

bodies

20102

Capital Transfers - Other

Sectors

Migrants’ transfers 20103

Other sectors-Debt forgiveness 20104

Legacies 20105

Other sectors-Others 20106

Brunei, Purpose of Payment Codes, continued

International Wire Transfer Guide

Payment Group Payment Purpose Payment Code

Direct Investment

Acquisition/disposal of non-produced, non-ﬁnancial assets 20201

Withdrawal of investment by non-resident ﬁrms from their branches

subsidiaries in Brunei

20301

Brunei residents’ purchases of land and property abroad from non-

residents

20302

Brunei residents’ investment in their branches or subsidiaries abroad 20303

Brunei residents’ purchases of shares in companies abroad, other

than shares in

their own subsidiaries

20304

Transfers to main account 20305

Short-term loans (less than a year) extended from Brunei from head

ofﬁce, or

from a branch or subsidiary (non ﬁnancial institution)

20306

Long-term loans (more than a year) extended from Brunei

from head ofﬁce, or

from a branch or subsidiary (non ﬁnancial

institution)

20307

Repayment from Brunei head ofﬁce, or by a branch or subsidiary, of

short-term

loans (less than a year) (non-ﬁnancial institution

20308

Repayment from Brunei head ofﬁce, or by a branch or subsidiary, of

long-term

loans (more than a year) (non-ﬁnancial institution

20309

Direct Investment Inter-branch settlements (non-ﬁnancial institution) 20310

Portfolio Investment

Sales of shares in Brunei companies by non-residents, other than

shares in their

own subsidiaries

20401

Brunei residents’ purchases of foreign government bonds from non-

residents

20402

Brunei residents’ purchases of other foreign bonds from non-residents 20403

Brunei, Purpose of Payment Codes, continued

International Wire Transfer Guide

Payment Group Payment Purpose Payment Code

Other Investment

Cheques paid by resident individual to non-resident individual 20501

Cheques paid by resident individual to non-resident institution 20502

Cheques paid by resident institution to non-resident individual 20503

Cheques paid by resident institution to non-resident institution 20504

Refunds on exports 20505

Refunds on unspeciﬁed cheque payment 20506

Life insurance premiums paid 20507

Residents’ transfers of fund into call or ﬁxed deposits with banks

abroad

20508

Non-residents’ withdrawals of funds from call or ﬁxed deposits with

Brunei banks

20509

Short-term loans (less than a year) extended from Brunei from head

ofﬁce, or

from a branch or subsidiary (ﬁnancial institution)

20510

Long-term loans (more than a year) extended from Brunei from

head ofﬁce, or

from a branch or subsidiary (ﬁnancial institution)

20511

Repayment from Brunei head ofﬁce, or by a branch or subsidiary, of

short-term

loans (less than a year) (ﬁnancial institution)

20512

Repayment from Brunei head ofﬁce, or by a branch or subsidiary, of

long-term

loans (more than a year) (ﬁnancial institution)

20513

Disbursement of short-term loans to non-residents 20514

Disbursement of long-term loans to non-residents 20515

Brunei residents’ repayments on short-term loans received from abroad 20516

Brunei residents’ repayments on long-term loans received from abroad 20517

Purchases of foreign exchange from abroad 20518

Losses from exchange rate ﬂuctuations 20519

Inter-branch settlements (clearing settlements) 20520

Inter-bank clearing settlements 20521

Funding

20522

Other transactions not classiﬁed elsewhere 20523

Provident fund/Trust fund 20524

Reserve Assets

Monetary gold 20601

Special Drawing rights 20602

Reserve position in the fund 20603

Currencies and deposits with monetary authorities 20604

Currencies and deposits with banks 20605

Securities (equities) 20606

Securities (bonds and notes) 20607

Securities (money market instruments and ﬁnancial derivatives) 20608

Other claims 20609

Brunei, Purpose of Payment Codes, continued

International Wire Transfer Guide

China, Purpose of Payment Codes

Payment Group Payment Purpose Payment Code

Payments

Charity Donation /CCDNDR/

Cross Border Capital Transfer /CCTFDR/

Cross Border Goods Trade /CGODDR/

Other Current Account Transactions /COCADR/

Cross Border Service Trade /CSTRDR/

International Wire Transfer Guide

Payment Group Payment Purpose Payment Code

Capital Account

Receipts on account of sale of non-produced non-ﬁnancial assets

(sale of

intangible assets like patents, copyrights, trademarks

etc., land acquired by

government, use of natural resources) –

Government

P0017

Receipts on account of sale of non-produced non-ﬁnancial assets

(sale of

intangible assets like patents, copyrights, trademarks etc.,

use of natural

resources) – Non-Government

P0019

Capital transfer receipts (Guarantee payments, Investment Grant

given by the

government/international organisation, exceptionally

large Non-life insurance

claims including claims arising out of

natural calamity) - Government

P0028

Capital transfer receipts (Guarantee payments, Investment

Grant given by the

Non-government, exceptionally large Non-life

insurance claims including claims

arising out of natural calamity) –

Non-Government

P0029

Other capital receipts not included elsewhere

P0099

Financial Account -

Foreign Direct

Investment

Repatriation of Indian investment abroad (by branches & wholly

owned

subsidiaries and associates) in equity shares

P0003

Repatriation Indian Direct investment abroad (by branches & wholly

owned

subsidiaries and associates) in debt instruments

P0004

Repatriation of Indian investment abroad in real estate

P0005

Foreign direct investment in India in equity shares

P0006

Foreign direct investment in India in debt instruments

P0007

Foreign Direct Investment made by overseas Investors in India in real

estate

P0008

Financial Account -

Foreign Portfolio

Investment

Repatriation of Indian investment abroad in equity capital (shares)

P0001

Repatriation of Indian Portfolio investment abroad in debt instruments

P0002

Foreign Portfolio Investment made by overseas Investors in India in

equity

P0009

Foreign Portfolio Investment made by overseas Investors in India in

debt

Instruments.

P0010

Financial Account -

External

Commercial

Borrowings

Repayment of loans extended to Non-Residents

P0011

Long & medium term loans, with original maturity of above one year,

from Non-

Residents to India (External Commercial Borrowings)

P0012

Financial Account -

Short Term

Credits

Short term loans with original maturity upto one year from Non-

Residents to India

(Short-term Trade Credit)

P0013

Financial Account -

Banking Capital

Receipts o/a Non-Resident deposits (FCNR(B)/NR(E)RA, etc.) {ADs

should

report these even if funds are not “swapped” into Rupees}

P0014

Loans & overdrafts taken by ADs on their own account. (Any

amount of loan

credited to the NOSTRO account which may not be

swapped into Rupees should

also be reported)

P0015

Purchase of a foreign currency against another currency.

P0016

Financial Account -

Financial

Derivatives

and Others

Receipts on account of margin payments, premium payment and

settlement

amount etc. under ﬁnancial derivative transactions

P0020

Receipts on account of sale of share under employee stock option

P0021

Receipts on account of other investment in ADRs/GDRs

P0022

Financial Account -

External

Assistance

External Assistance received by India. e.g. Multilateral and bilateral

loans

received by Govt. of India under agreements with other govt. /

international

institutions.

P0024

Repayments received on account of External Assistance extended by

India

P0025

India, Purpose of Payment Codes

International Wire Transfer Guide

Payment Group Payment Purpose Payment Code

Exports (of Goods)

Value of export bills negotiated / purchased/discounted etc.

(covered under

GR/PP/SOFTEX/EC copy of shipping bills etc.) –

Other than Nepal and Bhutan

P0101

Realisation of export bills (in respect of goods) sent on collection

(full invoice

value) – Other than Nepal and Bhutan

P0102

Exports (of Goods)

Advance receipts against export contracts, which will be covered

later by

GR/PP/SOFTEX/SDF – Other than Nepal and Bhutan

P0103

Receipts against export of goods not covered by the GR /PP /

SOFTEX /EC copy

of shipping bill etc. (under Intermediary/transit

trade, i.e., third country export

passing through India)

P0104

Goods sold under merchanting / Receipt against export leg of

merchanting trade*

P0108

Export realisation on account of exports to Nepal and Bhutan, if any

P0109

Transport

Receipts of surplus freight/passenger fare by Indian shipping

companies

operating abroad

P0201

Receipts on account of operating expenses of Foreign shipping

companies

operating in India

P0202

Receipts on account of operational leasing (with crew) – Shipping

companies

P0205

Receipts of surplus freight/passenger fare by Indian Airlines

companies

operating abroad.

P0207

Receipt on account of operating expenses of Foreign Airlines

companies

operating in India

P0208

Receipt on account of operational leasing (with crew) – Airlines

companies

P0211

Receipts on account of other transportation services (stevedoring,

demurrage,

port handling charges etc). (Shipping Companies)

P0214

Receipts on account of other transportation services (stevedoring,

demurrage,

port handling charges etc). (Airlines companies)

P0215

Receipts of freight fare -Shipping companies operating abroad

P0216

Receipts of passenger fare by Indian Shipping companies operating

abroad

P0217

Other receipts by Shipping companies

P0218

Receipts of freight fare by Indian Airlines companies operating abroad

P0219

Receipts of passenger fare –Airlines

P0220

Other receipts by Airlines companies

P0221

Receipts on account of freights under other modes of transport

(Internal

Waterways, Roadways, Railways, Pipeline transports and

Others)

P0222

Receipts on account of passenger fare under other modes of

transport (Internal

Waterways, Roadways, Railways, Pipeline

transports and Others)

P0223

Postal & Courier services by Air

P0224

Postal & Courier services by Sea

P0225

Postal & Courier services by others

P0226

India, Purpose of Payment Codes, continued

International Wire Transfer Guide

Payment Group Payment Purpose Payment Code

Travel

Purchases towards travel (Includes purchases of foreign TCs,

currency notes etc

over the counter, by hotels, Emporiums,

institutions etc. as well as amount

received by TT/SWIFT transfers

or debit to Non-Resident account).

P0301

Business travel

P0302

Travel for medical treatment including TCs purchased by hospitals

P0304

Travel for education including TCs purchased by educational

institutions

P0305

Other travel receipts

P0306

Foreign Currencies/TCs surrendered by returning Indian tourists.

P0308

Construction Services

Receipts on account of services relating to cost of construction of

projects in

India

P0501

Receipts on account of construction works carried out abroad by

Indian

Companies

P0502

Insurance and Pension

Services

Life Insurance premium except term insurance

P0601

Freight insurance – relating to import & export of goods

P0602

Insurance and Pension

Services

Other general insurance premium including reinsurance premium;

and term life

insurance premium

P0603

Auxiliary services including commission on insurance

P0605

Insurance claim Settlement of non-life insurance; and life insurance

(only term

insurance)

P0607

Life insurance claim settlements (excluding term insurance)

received by residents

in India

P0608

Standardised guarantee services

P0609

Premium for pension funds

P0610

Periodic pension entitlements e.g. monthly quarterly or yearly

payments of

pension amounts by Indian Pension Fund Companies.

P0611

Invoking of standardised guarantees

P0612

Financial Services

Financial intermediation except investment banking – Bank

charges, collection

charges, LC charges, etc.

P0701

Investment banking – brokerage, under writing commission etc.

P0702

Auxiliary services – charges on operation & regulatory fees,

custodial services,

depository services etc.

P0703

Telecommunication,

Computer, and

Information Services

Hardware consultancy/implementation P0801

Software consultancy/implementation (other than those covered in

SOFTEX

form)

P0802

Data base, data processing charges

P0803

Repair and maintenance of computer and software

P0804

News agency services

P0805

Other information services- Subscription to newspapers, periodicals,

etc.

P0806

Off-site Software Exports

P0807

Telecommunication services including electronic mail services and

voice mail

services

P0808

Satellite services including space shuttle and rockets, etc.

P0809

Charges for the Use of

Intellectual

Property

Franchises services

P0901

Receipts for use, through licensing arrangements, of produced

originals or

prototypes (such as manuscripts and ﬁlms), patents,

copyrights, trademarks,

industrial processes, franchises etc.

P0902

India, Purpose of Payment Codes, continued

International Wire Transfer Guide

Payment Group Payment Purpose Payment Code

Other Business Services

Trade related services – commission on exports / imports

P1002

Operational leasing services (other than ﬁnancial leasing) without

operating

crew, including charter hire- Airlines companies

P1003

Legal services

P1004

Accounting, auditing, book keeping services

P1005

Business and management consultancy and public relations services

P1006

Advertising, trade fair service

P1007

Research & Development services

P1008

Architectural services

P1009

Agricultural services like protection against insects & disease,

increasing of

harvest yields, forestry services.

P1010

Inward remittance for maintenance of ofﬁces in India

P1011

Environmental Services P1013

Engineering Services

P1014

Tax consulting services

P1015

Market research and public opinion polling service

P1016

Other Business Services

Publishing and printing services

P1017

Mining services like on–site processing services analysis of ores etc.

P1018

Commission agent services

P1019

Wholesale and retailing trade services.

P1020

Operational leasing services (other than ﬁnancial leasing) without

operating

crew, including charter hire- Shipping companies

P1021

Other Technical Services including scientiﬁc/space services.

P1022

Other services not included elsewhere

P1099

Personal Cultural &

Recreational

Services

Audio-visual and related services like Motion picture and video tape

production,

distribution and projection services.

P1101

Radio and television production, distribution and transmission services

P1103

Entertainment services P1104

Museums, library and archival services

P1105

Recreation and sporting activity services

P1106

Educational services (e.g. fees received for correspondence

courses offered to

non-resident by Indian institutions)

P1107

Health Service (Receipts on account of services provided by Indian

hospitals,

doctors, nurses, paramedical and similar services etc.

rendered remotely or on-

site)

P1108

Other Personal, Cultural & Recreational services

P1109

Government Not Included

Elsewhere

Maintenance of foreign embassies in India

P1201

Maintenance of international institutions such as ofﬁces of IMF

mission, World

Bank, UNICEF etc. in India.

P1203

Secondary Income

Inward remittance from Indian non-residents towards family

maintenance and

savings

P1301

Personal gifts and donations

P1302

Donations to religious and charitable institutions in India

P1303

Grants and donations to governments and charitable institutions

established by

the governments

P1304

Receipts / Refund of taxes

P1306

Receipts on account of migrant transfers including Personal Effects

P1307

India, Purpose of Payment Codes, continued

International Wire Transfer Guide

Payment Group Payment Purpose Payment Code

Primary Income

Compensation of employees

P1401

Inward remittance towards interest on loans extended to non-

residents

(ST/MT/LT loans)

P1403

Inward remittance towards interest receipts of ADs on their own

account (on

investments.)

P1405

Inward remittance of proﬁt by branches of Indian FDI Enterprises

(including bank

branches) operating abroad.

P1408

Inward remittance of dividends (on equity and investment fund

shares) by Indian

FDI Enterprises, other than branches, operating

abroad

P1409

Inward remittance on account of interest payment by Indian FDI

enterprises

operating abroad to their Parent company in India.

P1410

Inward remittance of interest income on account of Portfolio

Investment made

abroad by India

P1411

Inward remittance of dividends on account of Portfolio Investment

made abroad

by India on equity and investment fund shares

P1412

Other income receipts

P1499

Others

Refunds / rebates on account of imports

P1501

Reversal of wrong entries, refunds of amount remitted for non-imports

P1502

Remittances (receipts) by residents under international bidding

process.

P1503

Deemed Exports ( exports between SEZ, EPZs and Domestic Tariff

Areas)

P1505

Maintenance and Repair

Services

Receipts on account of maintenance and repair services rendered

for Vessels,

Ships, Boats, Warships, etc.

P1601

Receipts of maintenance and repair services rendered for aircrafts,

Space

shuttles, Rockets, military aircrafts, etc.

P1602

Manufacturing Services Receipts on account of processing of goods

P1701

Cover Page Total

Purchase from Reserve Bank of India (Currency-wise Totals)

P0091

Purchase from other ADs in India (Currency-wise Totals)

P0092

Purchase from Overseas banks & correspondents (Currency-wise

Totals)

P0093

Debit from the vostro a/c of overseas bank or correspondents

(Country-wise

Totals)

P0094

Aggregate Purchases at Branches (Currency-wise Totals)

P0095

Exports (Totals) {N/P/D + Collection bills Realised during Fortnight +

Advance

received during Fortnight} (Purchases from Public against

exports (Currency-

wise Totals)}

P0100

Purchases from Public against third country exports (Currency-wise

Totals)

P0144

Receipts below Rs. 5 lakhs (Currency-wise Totals)

P1590

Non-Exports equivalent & above Rs.5 lakhs (Currency-wise Totals)

P1591

India, Purpose of Payment Codes, continued

International Wire Transfer Guide

Payment Group Payment Purpose Payment Code

Personal

Invoice Payment & Purchase 101

Utility Bill Payment 102

Prepaid Cards Recharging 103

Standing Orders 104

Personal Donations 105

Family Assistance and Expenses 106

Individual Social Security Subscription 107

Associations Subscriptions 108

Saving and Funding Account 109

Heritance 110

End of Service indemnity 111

Salaries and Wages

Public Sector Employees Salaries 201

Laborers Salaries 202

Private Sector Staff Salaries 203

Jordanian Diplomatic Staff Salaries 204

Foreign Diplomatic Salaries 205

Overseas Incoming Salaries 206

Civil / Military Retirement Salaries 207

Social Security Retirement Salaries 208

Establishment Social Security Subscription 209

Investment Remittances

Investment Revenues 301

Brokerage Investment 302

Insurance 303

Subscriptions to international non-monetary organizations 304

Local Investment 305

External Investment 306

Tender bond Guarantee 307

Transportation and

Tourism

Air Freight 401

Land Freight 402

Sea Freight 403

Travel and Tourism 404

Training and Delegation

Governmental Delegation Transfers 501

Private Sector Delegation Transfers 502

Governmental Education 503

Private Sector Education 504

Import and Export

Public Sector Exportation 601

Private Sector Exportation 602

Public Sector Importation 603

Private Sector Importation 604

Jordan, Purpose of Payment Codes

International Wire Transfer Guide

Payment Group Payment Purpose Payment Code

External Aid

Religious Communities Aid 701

International Communities Aid 702

Arab Communities Aid 703

UN Aid 704

Charity Communities Aid 705

Services

Telecommunication Services 801

Financial Services 802

Information Technology Services 803

Consulting Services 804

Construction Services 805

Maintenance & Assembling Services 806

Marketing and Media Services 807

Mining Services 808

Medical & Health Services 809

Cultural, Educational & Entertainment Services 810

Rental Expenses 811

Real Estate 812

Taxes 813

Fees 814

Commissions 815

Franchise and License Fees 816

Cheque Collection 817

Membership Fees 818

Funding

Municipality Funds 901

Government Funds 902

Private Sector Funds 903

External Incoming Funds 904

Diplomacy

International Communities and Embassies Remittances 1001

Permanent Diplomatic Missions 1002

Temporary Diplomatic Missions 1003

Jordanian Embassies Income 1004

Jordan, Purpose of Payment Codes, continued

International Wire Transfer Guide

Payment Group Payment Purpose Payment Code

Loans

Long-Term Loans Installments / Public Sector 1101

Long-Term Loans interest Installments / Public Sector 1102

Short-Term Loans Installments / Public Sector 1103

Short-Term Loans interest Installments / Public Sector 1104

Long-Term Loans Installments / Private Sector 1105

Long-Term Loans interest Installments / Public Sector 1106

Short-Term Loans Installments /Private Sector 1107

Short-Term Loans interest Installments / Private Sector 1108

Loans Installments Against Governmental Guarantee 1109

Loans Interest Installments Against Governmental Guarantee 1110

Credit Card Payment 1111

Personal Loan Payment 1112

General

Rerouting 1201

Scientiﬁc Research Support 1202

Jordan, Purpose of Payment Codes, continued

International Wire Transfer Guide

Payment Group Payment Purpose Payment Code

Group 10: Settlements

for goods,

exported from

the customs territory

Russia, including

aircraft, watercraft,

and

cosmic objects being

subject of

foreign trade

activities

Settlements of non-resident in favor of resident by means of

advance payment

for goods exported from the territory of the

Russian Federation including

contracts of commission /agency,

in cases different from those indicated in

Codes Group 22 of this

Codiﬁcation

VO1Ø1ØØ

Settlements of non-resident in favor of resident by means of

deferred payment

granted by resident to non-resident for goods

exported from the territory of the

Russian Federation including

contracts of commission/agency in cases different

from those

indicated in Codes Group 22 of this Codiﬁcation

VO1Ø2ØØ

Group 11: Settlements

for goods,

imported

to the territory of the

Russian

Federation,

including aircraft,

watercraft, and cosmic

objects being

subject of

foreign trade activities

Settlements of non-resident in favor of resident related to return of

excess

amounts received from the import of goods to the customs

of the Russian

Federation in cases different from those indicated in

code 23900

VO119ØØ

Group 12: Settlements

between

residents and

non-residents for sale

goods not imported

to the territory of

the

Russian Federation

Settlements of non-resident in favor of resident related to return of

excess

amounts received from the sale of goods outside the territory

of the Russian

Federation in cases different from those indicated in

code 23900

VO129ØØ

Settlements of non-resident in favor of resident for sale of goods

outside the

territory of the Russian Federation and not imported to

the territory of the Russian

Federation in cases different from those

Indicated in codes 22110, 22210, and

22300.

VO12Ø5Ø

Group 13: Settlements

between

residents and

non-residents for goods

sold on the territory of

the Russian

Federation

Settlements of non-resident in favor of resident for goods sold on

the territory of

the Russian Federation in cases different from those

indicated in codes 22110,

22210, 22300

VO13Ø1Ø

Settlements of non-resident in favor of resident related to return of

excess

amounts received from the sale of goods on the territory of

the Russian

Federation in cases different from those indicated in

code 23900

VO139ØØ

Russia, Purpose of Payment Codes

International Wire Transfer Guide

Payment Group Payment Purpose Payment Code

Group 20: Settlements

between

residents and

non-residents for

foreign

trade contracts for

executing

by residents

works, rendering

services, information

and intellectual

property,

including exclusive

rights on

the above,

also for lease property

agreements except

ﬁnancial lease

Settlements of non-resident in favor of resident by means of

advance payment

for executing by resident works, rendering

services, information and intellectual

property, including

exclusive rights, including completion of contractual

obligations of

commission/agency agreements except for settlements indicated in

the code 20400, in the Code Group 22 of this List and settlements

related to the

remuneration payment in favor of resident-broker

under agreement on brokerage

services (Code Group 58 of this

Codiﬁcation)

VO2Ø1ØØ

Settlements of non-resident in favor of resident by means of

deferred payment

for executed by resident works, rendered

services, information and intellectual

property, including

exclusive rights, including completion of contractual

obligations of

commission/agency agreements except for settlements indicated in

the code 20400, in the Code Group 22 of this List and settlements

related to the

remuneration payment in favor of resident-broker

under brokerage services

agreement (Code Group 58 of this

Codiﬁcation)

VO2Ø2ØØ

Settlements of non-resident in favor of resident under lease property

agreements

except ﬁnancial lease agreements

VO2Ø3ØØ

Settlements of non-resident being principal agent in favor of

resident being

commission agent in connection with purchase

of goods, works, services,

information and intellectual property,

including exclusive rights for non-resident

from third parties under

commission/agency agreements except settlements

indicated in

the Code Group 58 of this Codiﬁcation

VO2Ø4ØØ

Group 21: Settlements

between

residents

and non-residents

under

foreign trade

contracts for executing

by non-residents works,

rendering

services,

information and

intellectual

property,

including exclusive

rights on

the above,

also for lease property

agreements except

ﬁnancial lease

Settlements of non-resident being commission agent (agent,

guarantor) in favor

of resident being principal (grantor) in

connection with provided by non-resident

services on sale to third

parties executed by resident works, services, information

and

intellectual property, including exclusive rights in accordance

with the

contracts of commission/agency except for settlements

indicated in the Code

Group 58 of this Codiﬁcation

VO215ØØ

Settlements of non-resident in favor of resident related to return

of excess

amounts received for executing by non-resident works,

rendering services,

information and intellectual property, including

exclusive rights including

completion of contractual obligations of

commission/agency agreements except

for settlements indicated in

the Code Groups 23 and 58 of this Codiﬁcation

VO219ØØ

Russia, Purpose of Payment Codes, continued

International Wire Transfer Guide

Payment Group Payment Purpose Payment Code

Group 22: Settlements

between

residents and

non-residents related

goods delivered by

residents,

executing

by residents works,

rendering services,

information and

intellectual property,

including

exclusive

rights on the above

under

the mixed type

contracts

Settlements of non-resident being commission agent (agent,

guarantor) in favor

of resident being principal (grantor) by means

of advance payment for goods

exported from the territory of

the Russian Federation, executing works, rendering

services,

information and intellectual property, including exclusive rights

except

for settlements indicated in the code 22110 of this List

and settlements related to

the remuneration payment in favor of

resident-broker under brokerage services

agreement (Code Group

58 of this Codiﬁcation)

VO221ØØ

Settlements of non-resident in favor of resident by means of

advance payment

for goods to be delivered, executing works,

rendering services, information and

intellectual property, including

exclusive rights under agreements indicated in

subpoint 5.1.2

of point 5.1 of the Instruction of the Central Bank of Russian

Federation no. 138-I dd. 04.06.2012: Contracts providing the sale

(purchase)

and/or rendering services related to the sale (purchase)

on the territory of the

Russian Federation (outside the Russian

Federation) of fuels and lubricants

(bunker fuel), provisions,

material and technical supplies and other goods (except

for the

spare parts and equipment) required to support operation and

maintenance of transport vehicles regardless of their type and

function during the

route or stops

VO2211Ø

Settlements of non-resident being commission agent (agent,

guarantor) in favor

of resident being principal (grantor) by means

of deferred payment for goods

exported from the territory of

the Russian Federation, executed works, rendered

services,

information and intellectual property, including exclusive rights

except

for settlements indicated in the code 22110 of this List

and settlements related to

the remuneration payment in favor of

resident-broker under brokerage services

agreement (Code Group

58 of this Codiﬁcation)

VO222ØØ

Settlements of non-resident in favor of resident by means of

deferred payment

for delivered goods, executed works, rendered

services, information and

intellectual property, including exclusive

rights under agreements indicated in

subpoint 5.1.2 of point 5.1

of the Instruction of the Central Bank of Russian

Federation no.

138-I dd. 04.06.2012: Contracts providing the sale (purchase)

and/or rendering services related to the sale (purchase) on the

territory of the

Russian Federation (outside the Russian Federation)

of fuels and lubricants

(bunker fuel), provisions, material and

technical supplies and other goods (except

for the spare parts and

equipment) required to support operation and

maintenance of

transport vehicles regardless of their type and function during the

route or stops

VO2221Ø

Settlements of non-resident in favor of resident under the

agreement of ﬁnance

lease

VO223ØØ

Russia, Purpose of Payment Codes, continued

International Wire Transfer Guide

Payment Group Payment Purpose Payment Code

Group 23: Settlements

between

residents and

non-residents related to

goods delivered by non-

residents,

executing

by non residents

works,

rendering

services, information

and

intellectual property,

including

exclusive

rights on the above

under

the mixed type

contracts

Settlements of non-resident in favor of resident related to return of

excess

amounts received under the mixed type contracts

VO239ØØ

Group 30: Settlements

between

residents

and non-residents

for

transactions with

acquisition of real

estate,

excluding payments for

aircraft, watercraft and

space objects

Settlements of non-resident in favor of resident for sale of real

estate by resident

to non-resident outside the territory of the

Russian Federation, including those

connected with participating

interest of non-resident in the construction

performed by resident

outside the territory of the Russian Federation

VO3ØØ1Ø

Settlements of non-resident in favor of resident for sale of real

estate by resident

to non-resident on the territory of the Russian

Federation, including those

connected with participating interest

of nonresident in the construction performed

by resident on the

territory of the Russian Federation

VO3ØØ3Ø

Settlements of non-resident in favor of resident related to return

of excess

amounts received under transactions with real estate

including those connected

with participating interest in the real

estate construction

VO3Ø9ØØ

Group 32: Settlements

between

residents

and non-residents in

accordance with the

contracts of

cession,

assignment of debt

concluded between

residents and non-

residents

Settlements of non-resident in favor of resident for cession of right

by resident to

non-resident in accordance with cession contract

VO32Ø1Ø

Settlements of non-resident in favor of resident for assignment

of debt from non-

resident to resident in accordance with debt

assignment contract

VO32Ø2Ø

Group 35: Settlements

between

residents and

non-residents for other

transactions related to

foreign trade

and not

directly indicated in

Code

Groups 10-23 of

this Codiﬁcation

Settlements of non-resident in favor of resident for other

transactions related to

foreign trade and not directly indicated in

Code Groups 10-23 of this codiﬁcation

VO35Ø3Ø

Group 40: Settlements

related to

loans granted

by residents (except

for

authorized banks)

to non residents

under

loan agreements

Settlements of non-resident in favor of resident related to return of

excess

amounts received with the loan granted by resident to non-

resident under the

Loan agreement

VO4Ø9ØØ

Group 41: Settlements

related to

loans granted

by non residents to

residents (except for

authorized

banks) under

loan agreements

Settlements of non-resident in favor of resident for granting loans

under Loan

agreement

VO41Ø3Ø

Russia, Purpose of Payment Codes, continued

International Wire Transfer Guide

Payment Group Payment Purpose Payment Code

Group 42: Settlements

related to

fulﬁllment of

obligations by residents

(except for authorized

banks) under

the loan

agreements

Settlements of non-resident in favor of resident related to return

of excess

amounts received from the repayment by resident of

principal amount under the

Loan agreement

VO429ØØ

Settlements of non-resident in favor of resident related to return of

excess

amounts received from the repayment by resident of interest

amount under the

Loan agreement

VO4295Ø

Group 43: Settlements

related to

fulﬁllment

of obligations by non

residents under the loan

agreements

Settlements of non-resident in favor of resident for repayment of the

principal

amount under the Loan agreement

VO43Ø15

Settlements of non-resident in favor of resident for repayment of the

interest

amount under the Loan agreement

VO43Ø35

Other settlements of non-resident in favor of resident related to

payment of

premium (commissions, fees) and other amounts under

the borrowed loan facility

VO43Ø5Ø

Group 50: Settlements

related to

capital

investments

Settlements of non-resident in favor of resident for transactions with

shares,

investments in the capital of the legal entity including the

ordinary partnership

VO5Ø2ØØ

Settlements of non-resident in favor of resident for dividend

payments (income)

from capital investments

VO5Ø21Ø

Settlements of non-resident in favor of resident related to return of

excess

amounds received from capital investment transactions

VO5Ø9ØØ

Group 51: Settlements

related to

purchase

of securities (rights

evidenced by securities)

by non-

residents from

residents except for

settlements indicated in

the Code

Group 58 of

this Codiﬁcation

Settlements of non-resident in favor of resident for purchase of

bonds, stocks

and other securities issued by residents

VO5121Ø

Settlements of non-resident in favor of resident for purchase of

bonds, stocks

and other securities issued by non-residents

VO51215

Settlements of non-resident in favor of resident for purchase of

shares in

investment funds founded by resident

VO5123Ø

Settlements of non-resident in favor of resident for purchase of

shares in

investment funds founded by non-resident

VO51235

Settlements of non-resident is favor of resident for purchase of

promissory notes

and other nonissue securities of resident

VO5125Ø

Settlements of non-resident is favor of resident for purchase of

promissory notes

and other nonissue securities of non-resident

VO51255

Group 52: Settlements

related to

purchase

of securities (rights

evidenced by securities)

by residents

from non

residents except for

settlements indicated in

the Code

Group 58 of

this Codiﬁcation

Settlements of non-resident in favor of resident related to return of

excess

amounts received from transactions with securities (rights

evidenced by

securities) and amounts for default obligations

VO529ØØ

Group 55: Settlements

related to

fulﬁllment

by residents and non

residents obligations

under securities

Settlements of non-resident in favor of resident related to fulﬁllment

by non-

resident obligations under bonds and other securities

VO5531Ø

Settlements of non-resident in favor of resident for payment of

income received

from investment funds shares

VO5533Ø

Settlements of non-resident in favor of resident related to fulﬁllment

by non-

resident obligations under promissory notes and other non-

issue securities

VO5535Ø

Settlements of non-resident in favor of resident related to the return

of excess

amounts received from fulﬁllment of obligations under

transactions with securities

and payments for default obligations

VO559ØØ

Russia, Purpose of Payment Codes, continued

International Wire Transfer Guide

Payment Group Payment Purpose Payment Code

Group 56: Settlements

between

residents

and non-residents

for

transactions with

derivatives and other

forward and futures

transactions

Settlements of non-resident in favor of resident for transactions with

derivatives,

forward and futures transactions (options, margin and

guarantee fees and other

cash funds transferred in accordance

with the terms of the contracts, except for

settlements related to

delivery of underlying asset)

VO56Ø1Ø

Settlements of non-resident in favor of resident related to return of

transferred

excess amounts and Amounts from default obligations

indicated in this Code

Group.

VO569ØØ

Group 57: Settlements

under the

asset

management

agreements

Settlements of non-resident being trust constitutor in favor of

resident – trust

manager in RUB or foreign currency

VO57Ø2Ø

Settlements of non-resident being trust manager in favor of resident

– trust

constitutor

VO57Ø35

Settlements of non-resident in favor of resident related to return

of transferred

excess amounts under the asset management

agreements

VO579ØØ

Group 58: Settlements

under

agreements on

brokerage services in

cases different from

those indicated in

the

Code Groups 51-55 of

this

Codiﬁcation

Settlements of non-resident – broker in favor of resident under

agreements on

brokerage services except settlements under code

58900

VO58Ø15

Settlements of non-resident in favor of broker - resident under

agreements on

brokerage services including remuneration

payments to broker - resident

VO58Ø2Ø

Settlements of non-resident in favor of resident related to return of

funds

transferred under agreement on brokerage services

VO589ØØ

Group 60: Non-

residents’ accounts

transfers

Transfer from RUB banking/deposit account of non-resident

opened in non-

resident bank to another RUB banking account of

the same non-resident opened

in Russian bank

VO6ØØ76

Transfer from RUB banking account of non-resident to RUB

banking/deposit

account of another nonresident opened in another

Russian bank

VO6ØØ81

Transfer from RUB banking/deposit account of non-resident

opened in non-

resident bank to RUB banking account of another

non-resident opened in

Russian bank

VO6ØØ86

Debiting of RUB banking account of non-resident opened in

Russian bank using

bank card

VO6Ø2ØØ

Group 70: Non-

commercial

transactions

Payment of taxes and duties and other dues by non-residents to

residents in

cases different from those indicate in the code 70120

VO7ØØ1Ø

Payment of alimony, pensions, inheritance, beneﬁts, grants, gifts

and donation by

non-residents to residents in cases different from

those indicate in the code

70120

VO7ØØ3Ø

Payment of salaries, author and other remuneration under civil

agreements by

non-residents to residents in cases different from

those indicate in the code

70120

VO7ØØ5Ø

Settlements connected with non-repayable ﬁnancial aid from non-

resident to

resident in cases different from those indicated in the

code 70100

VO7ØØ9Ø

Settlements connected with charitable assistance, fund-raising,

grants payments

and other payments on non-repayable basis from

non-resident to resident

VO7Ø1ØØ

Settlements of non-resident in favor of resident related to the

payment of

insurance indemnity under insurance/reinsurance

agreement

VO7Ø11Ø

Group 70: Non-

commercial

transactions

Settlements of non-resident in favor of resident related to the

execution of the

court decisions

VO7Ø12Ø

Other non-commercial settlements of non-resident in favor of

resident in cases

different from those indicated in the codes 70010,

70030, 70050, 70090, 70100,

70110, 70120

VO7Ø2ØØ

Settlements of non-resident in favor of resident related to return of

excess

amounts received from non-commercial transactions

VO7Ø9ØØ

Russia, Purpose of Payment Codes, continued

International Wire Transfer Guide

Payment Group Payment Purpose Payment Code

Group 99: Other

settlements on

transactions not

directly speciﬁed in

the

Groups 01 – 80 of this

Codiﬁcation

Return to resident of erroneously debited (credited) amounts VO99Ø1Ø

Settlements on transactions not directly speciﬁed in the Groups

01 – 08 of this

Codiﬁcation in cases different from these speciﬁed

in codes 99010, 99020

VO99Ø9Ø

Group 02: FX

transactions

Purchase of RUB currency by non-resident VOØ2Ø1Ø

Selling of RUB currency by non-resident VOØ2Ø2Ø

Russia, Purpose of Payment Codes, continued

International Wire Transfer Guide

Payment Group Payment Purpose Payment Code

Payments

Agency Commission

ACM

Advance payment against EOS

AES

Allowances

ALW

Bonus

BON

Cross Border Payments

CBP

Corporate Card Payment

CCP

Charitable Contributions CHC

Commercial Investments CIN

Commission

COM

Compensation

COP

Credit Card Payments

CRP

Debit Card Payments

DCP

Educational Support

EDU

Equated Monthly Installments

EMI

End of Service

EOS

Family Support

FAM

Leave Salary

LAS

Loan Charges

LNC

Monetary Claim Reimbursements- medical insurance, auto insurance MCR

Miscellaneous

MIS

Overtime OVT

Pension

PEN

Personal Investments PIN

POS Merchant Settlement

POS

Remittance

REM

Rent Payments

RNT

Salary Advance

SAA

Salary

SAL

Standing Order

STO

Tickets

TKT

Utility Bill Payments

UTL

United Arab Emirates, Purpose of Payment Codes