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Malaysia accounts: changes to your DuitNow statement entries

Last updated: 8 March 2021

Beginning 21 March, your DuitNow payment entries will support up to 140 characters in the Recipient reference field.

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 additional length of the Recipient reference payment field in your DuitNow payments.

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

Please note: The examples below are for the purposes of demonstrating the changes to be introduced only and may not exactly match your statement entries and are subject to change.

For DuitNow Pay-to-Proxy and Pay-to-Account Number in Malaysia:

Priority Payment – End of day / Intra-day statement (MT 940/942) - outward payment
Change description DuitNow Pay-to-Proxy and Pay-to-Account Number payments will be enhanced to support the expanded existing Recipient Reference field for up to 140 characters from 40 characters.
Current Customer Statement Narrative (Tag 86) Line 1 : /BENM/Beneficiary Name or Proxy Nickname (59x)
Line 2 : /BREF/Bank reference (Internal Reference) (16x) /BBK/Beneficiary Bank SWIFT BIC (8x)/PURP/Purpose of Payment (5x)
Line 3 : /EREF/ End to End ID (35x) /VA/Virtual Account (17x)
Line 4 : /REMI/Recipient Reference (40x)/Other payment details (19x)
Line 5 : Other payment details con’t (40x) /PXY/Bene Proxy (20x) (For Pay-to-Proxy)
New Customer Statement Narrative (Tag 86) Line 1 : /BENM/Beneficiary Name or Proxy Nickname (59x)
Line 2 : /BREF/Bank reference (Internal Reference) (16x) /BBK/Beneficiary Bank SWIFT BIC (8x)/PURP/Purpose of Payment (5x)
Line 3 : /EREF/ End to End ID (35x) /PXY/Bene Proxy (20x) (For Pay-to-Proxy)
Line 4-6 : /REMI/Recipient Reference (max 140x)/Other payment details (max 140x)


Priority Payment – End of day / Intra-day statement (MT 940/942) - outward payment returns
Change description DuitNow Pay-to-Proxy and Pay-to-Account Number payment returns will be enhanced to support the expanded existing Recipient Reference field for up to 140 characters from 40 characters.
Current Customer Statement Narrative (Tag 86) Line 1 : /BENM/Creditor name (59x)
Line 2 : /BREF/Bank reference (Internal Reference) (16x) /BBK/Credit Agent Bank SWIFT BIC (8x)/PURP/Purpose of Payment (5x) /VA/Virtual Account (17x)
Line 3 : /EREF/End to End ID (35x)
Line 4 : /RJCT/ Reason Code (4x) /REASON/ Reason Description (55x)
Line 5 : Reason Description con't (25x) /PXY/Original Bene Proxy (20x) (For Pay-to-Proxy)

New Customer Statement Narrative (Tag 86)

Line 1 : /BENM/Creditor name (59x)
Line 2 : /BREF/Bank reference (Internal Reference) (16x) /BBK/Credit Agent Bank SWIFT BIC (8x)/PURP/Purpose of Payment (5x)
Line 3 : /EREF/End to End ID (35x)
Line 4-6 : /REMI/Recipient Reference (max 140x) /RJCT/ Reason Code (max 7x)


Priority Payment – BAI2 Statement (Intraday and End of day) - outward payments
Change description DuitNow Pay-to-Proxy and Pay-to-Account Number payments will be enhanced to support the expanded existing Recipient Reference field for up to 140 characters from 40 characters.
Current Customer Statement Narrative (Tag 88) Line 1 : /BENM/Beneficiary Name or Proxy Nickname (59x)
Line 2 : /BREF/Bank reference (Internal Reference) (16x) /BBK/Beneficiary Bank SWIFT BIC (8x)/PURP/Purpose of Payment (5x)
Line 3 : /EREF/ End to End ID (35x) /VA/Virtual Account (17x)
Line 4 : /REMI/Recipient Reference (40x)/Other payment details (19x)
Line 5 : Other payment details con’t (40x) /PXY/Bene Proxy (20x) (For Pay-to-Proxy)
New Customer Statement Narrative (Tag 88) Line 1 : /BENM/Beneficiary Name or Proxy Nickname (59x)
Line 2 : /BREF/Bank reference (Internal Reference) (16x) /BBK/Beneficiary Bank SWIFT BIC (8x)/PURP/Purpose of Payment (5x)
Line 3 : /EREF/ End to End ID (35x) /PXY/Bene Proxy (20x) (For Pay-to-Proxy)
Line 4-6 : /REMI/Recipient Reference (max 140x)/Other payment details (max 140x)


Priority Payment – BAI2 Statement (Intraday and End of day) – outward payments return
Change description DuitNow Pay-to-Proxy and Pay-to-Account Number payment returns will be enhanced to support the expanded existing Recipient Reference field for up to 140 characters from 40 characters.
Current Customer Statement Narrative (Tag 88) Line 1 : /BENM/Creditor name (59x)
Line 2 : /BREF/Bank reference (Internal Reference) (16x) /BBK/Credit Agent Bank SWIFT BIC (8x)/PURP/Purpose of Payment (5x) /VA/Virtual Account (17x)
Line 3 : /EREF/End to End ID (35x)
Line 4 : /RJCT/ Reason Code (4x) /REASON/ Reason Description (55x)
Line 5 : Reason Description con't (25x) /PXY/Original Bene Proxy (20x) (For Pay-to-Proxy)
New Customer Statement Narrative (Tag 88) Line 1 : /BENM/Creditor name (59x)
Line 2 : /BREF/Bank reference (Internal Reference) (16x) /BBK/Credit Agent Bank SWIFT BIC (8x)/PURP/Purpose of Payment (5x)
Line 3 : /EREF/End to End ID (35x)
Line 4-6 : /REMI/Recipient Reference (max 140x) /RJCT/ Reason Code (max 7x)


Priority Payment – CSV Statement - outward payments
Change description DuitNow Pay-to-Proxy and Pay-to-Account Number payments will be enhanced to support the expanded existing Recipient Reference field for up to 140 characters from 40 characters.
Current Text line field Line 1 : /BENM/Beneficiary Name or Proxy Nickname (59x)
Line 2 : /BREF/Bank reference (Internal Reference) (16x) /BBK/Beneficiary Bank SWIFT BIC (8x)/PURP/Purpose of Payment (5x)
Line 3 : /EREF/ End to End ID (35x) /VA/Virtual Account (17x)
Line 4 : /REMI/Recipient Reference (40x)/Other payment details (19x)
Line 5 : Other payment details con’t (40x) /PXY/Bene Proxy (20x) (For Pay-to-Proxy)
New Text line field Line 1 : /BENM/Beneficiary Name or Proxy Nickname (59x)
Line 2 : /BREF/Bank reference (Internal Reference) (16x) /BBK/Beneficiary Bank SWIFT BIC (8x)/PURP/Purpose of Payment (5x)
Line 3 : /EREF/ End to End ID (35x) /PXY/Bene Proxy (20x) (For Pay-to-Proxy)
Line 4-6 : /REMI/Recipient Reference (max 140x)/Other payment details (max 140x)


Priority Payment – CSV Statement – outward payments return
Change description DuitNow Pay-to-Proxy and Pay-to-Account Number payment returns will be enhanced to support the expanded existing Recipient Reference field for up to 140 characters from 40 characters.
Current Text line field Line 1 : /BENM/Creditor name (59x)
Line 2 : /BREF/Bank reference (Internal Reference) (16x) /BBK/Credit Agent Bank SWIFT BIC (8x)/PURP/Purpose of Payment (5x) /VA/Virtual Account (17x)
Line 3 : /EREF/End to End ID (35x)
Line 4 : /RJCT/ Reason Code (4x) /REASON/ Reason Description (55x)
Line 5 : Reason Description con't (25x) /PXY/Original Bene Proxy (20x) (For Pay-to-Proxy)
New Text line field Line 1 : /BENM/Creditor name (59x)
Line 2 : /BREF/Bank reference (Internal Reference) (16x) /BBK/Credit Agent Bank SWIFT BIC (8x)/PURP/Purpose of Payment (5x)
Line 3 : /EREF/End to End ID (35x)
Line 4-6 : /REMI/Recipient Reference (max 140x) /RJCT/ Reason Code (max 7x) >


Report Writer – Debit Advice Report
Change description DuitNow Pay-to-Proxy and Pay-to-Account Number reports will be enhanced to support the expanded Recipient Reference field supporting up to 140 characters (increased from 40 characters).
Current field No selection values of Transaction type field
New field Transaction type field with segregation of,
"DN Proxy" for DuitNow Pay-to-Proxy
"DN ACC" for DuitNow Pay-to-Account
"DN QR" for DuitNow QR

Also, new fields on Recipient Reference (140x) and EndtoEnd ID (35x).


Report Writer – Intraday Debit Advice
Change description DuitNow Pay-to-Proxy and Pay-to-Account Number reports will be enhanced to support the expanded Recipient Reference field supporting up to 140 characters (increased from 40 characters).
Current field No selection values of Transaction type field
New field Transaction type field with segregation of,
"DN Proxy" for DuitNow Pay-to-Proxy
"DN ACC" for DuitNow Pay-to-Account
"DN QR" for DuitNow QR

Also, new fields on Recipient Reference (140x) and EndtoEnd ID (35x).
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