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Malaysia accounts: new DuitNow Request statement entries

Last updated: 6 April 2021

From 9 May, your statement entries in Account information and in reports downloaded using the Reports and files download service will be updated to include additional DuitNow Request information.

What this means for you

If you use ERP (Enterprise Resource Planning) systems or automated account reconciliation programs for your electronic statements, you may be impacted. To ensure the ongoing operation of your automated reconciliation processes, we recommend that you review your internal systems, and if required, update them.

The tables below outline the changes to support the new DuitNow Request statement entries.

The enhanced statement entries will apply to the following file formats: MT942, MT940, BAI End of Day, BAI Intraday, camt.052 and camt.053.

Please note: the examples below are provided for the purpose of demonstrating the new statement narratives and may not exactly match your statement entries.

    1. For MT940 / MT942

DuitNow Request Inward

Change description

New statement narratives and transaction codes will be added where HSBC accounts are receiving a DuitNow Request to pay the beneficiary via the Real-Time Payment Platform.

DuitNow Request Inward

Transaction processing method

New DuitNow Inward Debit
(Request sent from other Bank)

New DuitNow Inward Reversal
(Request sent from other Bank)

Recommended action

Add new mapping to your system

Add new mapping to your system

Tag 61
3. Debit/Credit Mark
6. Transaction Type
7. Customer Reference
8. Bank Reference
9. Supplementary Details

SWIFT Code = NTRF/BAI Code = 495
3. D - Debit
6. NTRF
7. Customer Reference (Reference entered in payment approval)
8. Paynet EndtoEndID
9. /PYTP/SCT CROUT

SWIFT Code = NTRF/BAI Code = 261
3. RD – Reversal of Debit
6. NRTI
7. Original Customer Reference (Reference entered in payment approval)
8. Paynet EndtoEndID
9. /PYTP/SCT RTN

Tag 86 Narrative

Line 1-6

1. /BENM/Beneficiary Name (59X)
2. /BREF/Bank’s Channel Reference(16X)/BBK/Beneficiary Bank SWIFT BIC (8A) /PURP/Purpose Proprietary(5X)
3. /EREF/RFPEndToEndID (35x)
4-6. /REMI/Recipient Reference (max 140X)/Other Payment Details (max 140x)

1. /BENM/Beneficiary Name (59X)
2. /BREF/Bank’s Channel Reference(16X)/BBK/Beneficiary Bank SWIFT BIC (8A) /PURP/Purpose Proprietary(5X)
3. /EREF/RFPEndToEndID (35x)
4-6. /REMI/Recipient Reference (max 140X)/RJCT/Rejection Reason code <4X>

DuitNow Request Outward

Change description

New statement narratives and transaction codes will be added where HSBC accounts are initiating a DuitNow Request to have the debtor (payor) make a payment via the Real-Time Payment Platform.

DuitNow Request Outward

Transaction processing method

New DuitNow Outward Credit
(Request sent from HSBC to other Bank)

New DuitNow Outward Charges
(Request sent from HSBC to other Bank)

Recommended action

Add new mapping to your system

Add new mapping to your system

Tag 61
3. Debit/Credit Mark
6. Transaction Type
7. Customer Reference
8. Bank Reference
9. Supplementary Details

SWIFT Code = NTRF/BAI Code = 195
3. C - Credit
6. NTRF
7. Paynet EndtoEndID
8. RFP EndtoEndID
9. /PYTP/SCT CRIN

SWIFT Code = NCHG/BAI Code = 698
3. D – Debit
6. NCHG
7. "PAYMECHG”MMMYYYY
8. “RTP”XXXXX
9. /PYTP/SCT CROUT

Tag 86 Narrative

Line 1-6

1. /ORDP/Payor Name (59X)
2. /BREF/PaynetEndtoEndID (35X)/OBK/Payor Bank SWIFT BIC (8A) /PURP/Purpose Proprietary(5X)
3. /EREF/RFPEndToEndID (35x)
4-6. /REMI/Recipient Reference (max 140X)/Other Payment Details (max 140x)

1. DuitNow PayMe Charges <space>MMMYYYY
2. /REMI/NO OF TRANSACTION: space> XXXXXXXXXX (count of transactions)

    2. For BAI2 Intraday / End of Day statements

DuitNow Request Inward

Change description

New statement narratives and transaction codes will be added where HSBC accounts are receiving a DuitNow Request to pay the beneficiary via the Real-Time Payment Platform.

DuitNow Request Inward

Transaction processing method

New DuitNow Inward Debit
(Request sent from other Bank)

New DuitNow Inward Reversal
(Request sent from other Bank)

Recommended action

Add new mapping to your system

Add new mapping to your system

Record 16 Transaction Detail & Record 88 Continuation

BAI Code = 495
16,495,Amount,, Paynet EndtoEndID, Customer Reference (Reference entered in payment approval), /BENM/Beneficiary Name

88, /BENM/Beneficiary Name (con’t)
88,  /BREF/Bank’s Channel Reference(16X)/BBK/Beneficiary Bank SWIFT BIC (8A) /PURP/Purpose Proprietary(5X)
88, /EREF/RFPEndToEndID (35x)
88, /REMI/Recipient Reference (max 140X)/Other Payment Details (max 140x)

BAI Code = 495
16,261,Amount,, Paynet EndtoEndID, Customer Reference (Reference entered in payment approval), /BENM/Beneficiary Name

88, /BENM/Beneficiary Name (con’t)
88,  /BREF/Bank’s Channel Reference(16X)/BBK/Beneficiary Bank SWIFT BIC (8A) /PURP/Purpose Proprietary(5X)
88, /EREF/RFPEndToEndID (35x)
88, /REMI/Recipient Reference (max 140X)/RJCT/Rejection Reason code<4X>

DuitNow Request Outward

Change description

New statement narratives and transaction codes will be added where HSBC accounts are initiating a DuitNow Request to have the debtor (payor) make a payment via the Real-Time Payment Platform.

DuitNow Request Outward

Transaction processing method

New DuitNow Outward Credit
(Request sent from HSBC to other Bank)

New DuitNow Outward Charges
(Request sent from HSBC to other Bank)

Recommended action

Add new mapping to your system

Add new mapping to your system

Record 16 Transaction Detail & Record 88 Continuation

BAI Code = 195

16,195,Amount,, RFP EndtoEndID, Paynet EndtoEndID, /ORDP/Payor Name

88, /ORDP/Payor Name (con’t)
88, /BREF/Paynet EndtoEndID (35X) /OBK/Payer Bank SWIFT BIC (8A)
88, /PXY/Payor Proxy (20X) /PURP/Purpose Proprietary(5X)
88, /EREF/RFPEndToEndID (35x)
8, /REMI/Recipient Reference (max 140X)/Other Payment Details (max 140x)

BAI Code = 698

16,698,Amount,, “RTP”XXXXX, "PAYMECHG”MMMYYYY,

88, “DuitNow PayMe Charges” MMMYYYY
88, /REMI/NO OF TRANSACTION: XXXXXXXXXX (count of transactions)

    3. For camt.052 / camt.053 (XML statements)

DuitNow Request Inward

Change description

New statement narratives and transaction codes will be added where HSBC accounts are receiving a DuitNow Request to pay the beneficiary via the Real-Time Payment Platform.

DuitNow Request Inward

New DuitNow Inward Debit
(Request sent from other Bank)

New DuitNow Inward Reversal
(Request sent from other Bank)

Add new mapping to your system

Add new mapping to your system

SWIFT Code = NTRF, BAI Code = 495
ISO Code: PMNT.ICDT.PRCT

  1. <Ntry><BkTxCd><Domn><Cd>PMNT
  2. <Ntry><BkTxCd><Domn><Fmly><Cd>ICDT
  3. <Ntry><BkTxCd><Domn><Fmly><Cd><SubFmlyCd> PRCT
  4. <Ntry><BkTxCd><Prtry><Cd> NTRF or 495
  5. <Ntry><BkTxCd><Prtry><Issr>SWIFT or BAI

  6. <Ntry><NtryDtls><TxDtls><Refs><MsgId> Bank’s Channel Reference
  7. <Ntry><NtryDtls><TxDtls><Refs><AcctSvcrRef>Paynet EndtoEndID
  8. <Ntry><NtryDtls><TxDtls><Refs><InstrId> Customer Reference
  9. <Ntry><NtryDtls><TxDtls><Refs><EndToEndId> RFP EndToEndID
  10. <Ntry><NtryDtls><TxDtls><RltdPties><Cdtr><Nm> Beneficiary Name
  11. <Ntry><NtryDtls><TxDtls><RltdAgts><CdtrAgt><FinInstnId><ClrSysMmbId><BIC> Beneficiary Bank Clearing code
  12. <Ntry><NtryDtls><TxDtls><Purp><Prtry> Purpose code
  13. <Ntry><NtryDtls><TxDtls><RmtInf><Ustr> Remittance Info
  14. <Ntry><AddtlNtryInf>
    /BENM/Beneficiary Name
    /BREF/Bank’s Channel Reference + /BBK/Beneficiary Bank SWIFT BIC + /PURP/Purpose Code
    /EREF/RFP EndtoEndID
    /REMI/Recipient Reference (max 140X)
    /Other Payment Details (max 140x)

SWIFT Code = NRTI, BAI Code = 261
ISO Code: PMNT.ICDT.RRTN

  1. <Ntry><BkTxCd><Domn><Cd>PMNT
  2. <Ntry><BkTxCd><Domn><Fmly><Cd> ICDT
  3. <Ntry><BkTxCd><Domn><Fmly><Cd><SubFmlyCd> RRTN
  4. <Ntry><BkTxCd><Prtry><Cd> NRTI or 261
  5. <Ntry><BkTxCd><Prtry><Issr>SWIFT or BAI
  6.  <Ntry><NtryDtls><TxDtls><Refs><MsgId> Bank’s Channel Reference
  7. <Ntry><NtryDtls><TxDtls><Refs><AcctSvcrRef> Paynet EndtoEndID
  8. <Ntry><NtryDtls><TxDtls><Refs><InstrId> Customer Reference
  9. <Ntry><NtryDtls><TxDtls><Refs><EndToEndId> RFP EndToEndID
  10. <Ntry><NtryDtls><TxDtls><RltdPties><Cdtr><Nm> Beneficiary Name
  11. <Ntry><NtryDtls><TxDtls><RltdAgts><CdtrAgt><FinInstnId><ClrSysMmbId><BIC> Beneficiary Bank Clearing code
  12. <Ntry><NtryDtls><TxDtls><Purp><Prtry> Purpose code
  13. Ntry><NtryDtls><TxDtls><RmtInf><Ustr> Remittance Info
  14. <Ntry><NtryDtls><TxDtls><RtrInf><Rsn><Cd> Rejection Code
  15.  <Ntry><AddtlNtryInf>
    /BENM/Beneficiary Name (59X)
    /BREF/Bank’s Channel Reference(16X)/BBK/Beneficiary Bank SWIFT BIC (8A) /PURP/Purpose Proprietary(5X)
    /EREF/RFPEndToEndID (35x)
    /REMI/Recipient Reference (max 140X)/RJCT/Rejection Reason code<4X>


DuitNow Request Outward

Change description

New statement narratives and transaction codes will be added where HSBC accounts are initiating a DuitNow Requiest to have the debtor (payor) to make a payment via the Real-Time Payment Platform.

DuitNow Request Outward

New DuitNow Outward
(Request sent from HSBC to other Bank)

New DuitNow Outward Charges
(Request sent from HSBC to other Bank)

Add new mapping to your system

Add new mapping to your system

SWIFT Code = NTRF, BAI Code = 195
ISO Code: PMNT.RCDT.PRCT

  1. <Ntry><BkTxCd><Domn><Cd>PMNT
  2. <Ntry><BkTxCd><Domn><Fmly><Cd>RCDT
  3. <Ntry><BkTxCd><Domn><Fmly><Cd><SubFmlyCd> PRCT
  4. <Ntry><BkTxCd><Prtry><Cd> NTRF or 195
  5. <Ntry><BkTxCd><Prtry><Issr>SWIFT or BAI
  6. <Ntry><NtryDtls><TxDtls><Refs><AcctSvcrRef> RFP EndtoEndID
  7. <Ntry><NtryDtls><TxDtls><Refs><EndToEndId> PaynetEndtoEndID
  8. <Ntry><NtryDtls><TxDtls><Refs><TxId> PaynetEndtoEndID
  9. <Ntry><NtryDtls><TxDtls><RltdPties><Dbtr><Nm> Payor Name
  10. <Ntry><NtryDtls><TxDtls><Purp><Prtry> Purpose code
  11. <Ntry><NtryDtls><TxDtls><RmtInf><Ustr> Remittance Info
  12. <Ntry><AddtlNtryInf>
    /ORDP/Payor Name (59X)
    /BREF/PaynetEndtoEndID (35X)/OBK/Payor Bank SWIFT BIC (8A) /PXY/Payor Proxy (20X) /PURP/Purpose Proprietary(5X)
    /EREF/RFPEndToEndID (35x)
    /REMI/Recipient Reference (max 140X)/Other Payment Details (max 140x)

SWIFT Code = NRTI, BAI Code = 698
ISO Code: PMNT.ICDT.CHRG

  1. Ntry><BkTxCd><Domn><Cd>PMNT
  2. <Ntry><BkTxCd><Domn><Fmly><Cd> ICDT
  3. <Ntry><BkTxCd><Domn><Fmly><Cd><SubFmlyCd> CHRG
  4. <Ntry><BkTxCd><Prtry><Cd> NCHG or 698
  5. <Ntry><BkTxCd><Prtry><Issr>SWIFT or BAI
  6. <Ntry><NtryDtls><TxDtls><Refs><AcctSvcrRef> "PAYMECHG”MMMYYYY
  7. <Ntry><NtryDtls><TxDtls><Refs><EndToEndId> NONREF
  8. <Ntry><NtryDtls><TxDtls><RmtInf><Ustr> NO OF TRANSACTION: space> XXXXXXXXXX (count of transactions)
  9. <Ntry><AddtlNtryInf>
    DuitNow PayMe Charges <space>MMMYYYY
    /REMI/NO OF TRANSACTION: space> XXXXXXXXXX (count of transactions)

Appendix – Field Locations by File Format

MT942 & MT940

Transaction Type – 61.6
NTRF

Customer Reference – 61.7
CUSTOMERREFERENC

Bank Reference – 61.8
BANKREFERENCE

Narrative – 86
NARRATIVE

:61:2102040204CD0,53NTRFCUSTOMERREFERENC//BANKREFERENCE
:86:NARRATIVE LINE 1 UP TO 65 CHARACTERS
NARRATIVE LINE 2
NARRATIVE LINE 3
NARRATIVE LINE 4 UP TO 6 LINES

BAI2 Intraday & End of Day

Transaction Type – 16
195

Customer Reference – 16
CUSTOMERREFERENC

Bank Reference – 16
BANKREFERENCE

Narrative – 16 Text Field
NARRATIVE

16,195,4900,,BANKREFERENCECUSTOMERREFERENC,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

camt.052 Intraday & camt.053 End of Day

Transaction Type – <BkTxCd><Prtry><Cd>
NTRF

Customer Reference – <EndToEndId>
CUSTOMERREFERENC

Bank Reference – <NtryRef> & <AcctSvcrRef>
BANKREFERENCE

Narrative – <AddtlNtryInf>
NARRATIVE

<Ntry>
<NtryRef>BANKREFERENCE</NtryRef>
<Amt Ccy="MYR">129.60</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<RvslInd>false</RvslInd>
<Sts>BOOK</Sts>
<BookgDt><Dt>2020-06-05</Dt></BookgDt>
<ValDt><Dt>2020-06-05</Dt></ValDt>
<AcctSvcrRef>BANKREFERENCE</AcctSvcrRef>
<BkTxCd><Domn><Cd>PMNT</Cd><Fmly><Cd>RCDT</Cd><SubFmlyCd>PRCT</SubFmlyCd></Fmly></Domn><Prtry><Cd>NTRF</Cd><Issr>SWIFT</Issr></Prtry></BkTxCd>
<NtryDtls><TxDtls><Refs><AcctSvcrRef>BANKREFERENCE</AcctSvcrRef><EndToEndId>CUSTOMERREFERENC /EndToEndId><TxId> PaynetEndtoEndID</TxId></Refs><RltdPties><Dbtr><Nm> Payor Name</Nm></Dbtr></RltdPties> <Purp><Prtry> Purpose code</Prtry></Purp><RmtInf><Ustr>Remittance Info</Ustr></RmtInf></TxDtls></NtryDtls>
<AddtlNtryInf>NARRATIVE LINE 1 OF 6 LINES EACH HAVING UP TO 65 CHARACTERS EACH NARRATIVE 2 NARRATIVE 3 NARRATIVE 4 NARRATIVE 5 NARRATIVE 6</AddtlNtryInf>
</Ntry>

Legend (applicable to MT940/MT942/BAI2):

    1. /CODEWORD/ - Code words that are standard descriptions seen in the statement narrative of the MT940/MT942 and BAI statements.

    <Data Fields> - Description of fields that represent variable data elements that may be displayed as part of the statement narratives.

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