New statement narratives and transaction type codes for accounts in Poland

Here are the transaction type codes and statement narrative changes for your HSBC Poland account(s).

1. Transaction type codes

HSBC Poland is enhancing the transaction type codes available on your electronic statements. This will align with the codes your company receives from other HSBC entities. If you download reports in the MT940 format, you will begin to see the corresponding SWIFT code instead of the Proprietary codes listed below.

Note: Proprietary codes will continue to show in the TRN type column when Local Country Codes is selected using Customise view option in the Account Information service.

Proprietary codes	BAI2 Codes	SWIFT standard codes	Transaction Type Description
001	0495	NTRF	Domestic standard payment debit
002	0516	NTRF	Individual International Money Transfer Debit
003	0216	NTRF	Individual International Money Transfer Credit
004	0195	NTRF	Domestic standard payment credit
005	0195	NTRF	Domestic Split payment credit
006	0354	NINT	Interest credit (+)
007	0654	NINT	Interest debit (-)
008	0698	NTAX	Withholding Tax
009	0495	NTRF	Domestic Split payment debit
010	0495	NTRF	Domestic Tax payment debit
011	0481	NLDP	Loan Repayment Principal
012	0514	NFEX	Foreign Exchange Deal Debit
013	0698	NCHG	Trade Finance fees
014	0409	NMSC	Deposit placement
015	0108	NMSC	Deposit withdrawal and Interests
016	0469	NTRF	SEPA Credit Transfer debit
017	0169	NTRF	SEPA Credit Transfer credit
018	0165	NDDT	Direct Debit outgoing
019	0275	NCMS	CASH MANAGEMENT ITEM - SWEEPING Credit
020	0575	NCMS	CASH MANAGEMENT ITEM - SWEEPING Debit
021	0354	NCMS	INTER COMPANY INTEREST SETTLEMENT Credit
022	0654	NCMS	INTER COMPANY INTEREST SETTLEMENT Debit
023	0227	NSTO	STANDING INSTRUCTION Credit
024	0527	NSTO	STANDING INSTRUCTION Debit
025	0506	NTRF	Internal transfer Debit
026	0206	NTRF	Internal transfer Credit
027	0455	NDDT	Direct Debit incoming
028	0722	NLDP	Loan Drawdown
029	0654	NINT	Loan Repayment Interest
030	0214	NFEX	Foreign Exchange Deal Credit
031	0699	NMSC	Receivables Financing Debit
032	0399	NMSC	Receivables Financing Credit
033	0698	NCHG	Maintenance fees
034	0174	NMSC	Cash collection credit
035	0698	NCHG	Payment and one-off Charges
036	0398	NCHG	Charges - Return
037	0566	NRTI	SEPA Returned Item
038	0255	NRTI	SEPA Returned Item
039	0699	NCMI	Internal transfer of VAT amount
040	0399	NCMI	Internal transfer of VAT amount
998	0699	NMSC	Miscellaneous Debit not mentioned above
999	0399	NMSC	Miscellaneous Credit not mentioned above

2. Statement reference numbers and narrative changes

For outgoing Priority Payments that debit your HSBC Poland accounts, beginning 9 December, you’ll see the customer reference information included in your statements and transaction history. If no customer reference information is provided, a generic reference will be automatically added.

If you submit payroll payments with HSBC Poland using the automatic funding Payroll account feature, please review the below table.

Please note: The examples below are for the purposes of demonstrating the changes and they may not exactly match your statement entries.

Payroll Payments (debits) - Intraday and End of Day formats
Change description	For Payroll Payments where automatic funding of payroll accounts take place, the Bank will amend the structure of Transaction narratives for debit entries
Current transaction type code	Proprietary code: 001 SWIFT code: N001 BAI2 code: 0699
New Transaction Type Code	Proprietary code: 001 SWIFT code: NTRF BAI2 code: 0495
Current Customer Reference	19041700004285
New Customer Reference	CUSTOMERREFERENC
Current Bank Reference	LP WWA9079LJ
Current transaction narrative	19041700004285 PL74114020040000380272532000 JOHN SMITH SETTLEMENT FOR BUSINESS TRIP 84/2019/M 2345371
New Transaction narratives	PL HBPL PL74114020040000380272532000 19041700004285 JOHN SMITH SETTLEMENT FOR BUSINESS TRIP 84/2019/M 2345371

Appendix - Field locations by file format

MT940
Transaction Type - 61.6 NTRF	Customer Reference - 61.7 CUSTOMERREFERENC	Bank Reference - 61.8 BANKREFERENCE	Narrative - 86 NARRATIVE
:61:1902040204CP0,53NTRFCUSTOMERREFERENC//BANKREFERENCE :86:NARRATIVE LINE 1 UP TO 65 CHARACTERS NARRATIVE LINE 2 NARRATIVE LINE 3 NARRATIVE LINE 4 UP TO 6 LINES

BAI2 End of Day
Transaction Type - 16 195	Customer Reference - 16 CUSTOMERREFERENC	Bank Reference - 16 BANKREFERENCE	Narrative - 16 NARRATIVE
16,195,4900,,BANKREFERENCE,CUSTOMERREFERENC,NARRATIVE LINE 1 UP TO 16 RECORD LIMIT 88,REMAINDER OF NARRATIVE LINE 1 88,NARRATIVE LINE 2 NARRATIVE LINE 2 NARRATIVE LINE 2 88,NARRATIVE LINE 3 NARRATIVE LINE 3 NARRATIVE LINE 3 88,NARRATIVE LINE 4 UP TO 6 LINES