Swiss recommendations

The Swiss recommendations are summarized in the Business Rules and Implementation Guidelines.

Swiss Usage Guide

The "Swiss Usage Guide" explains through field rules and examples how the ISO 20022 messages (customer-bank and bank-customer) must be constructed in accordance with the Swiss recommendations for the most common use cases (payment types), thereby providing an end-to-end analysis of the entire process.

Downloads (Version of July 2016)

Business Rules

The Business Rules for Credit transfers, SEPA Direct debits and Cash Management describe from a business perspective the business cases with the parties involved and the messages used (payment types), shows the message structures with details of the individual structural elements and lists the most important validation rule and error handling.

Download (Version of 7 November 2016)

Implementation Guidelines for credit transfers

The specifications to the credit transfer (Payment Initiation) cover the entire Swiss payment traffic and enable the submission of payment orders like those in today's file formats DTA and EPO (inclusive SEPA).

This document contains instructions for the technical implementation of the ISO 20022 “Customer Credit Transfer Initiation” message (pain.001).

Implementation Guidelines for Cash Management

The specifications to the bank-to-customer message report (cash management) cover the electronic account statements, the debit authorizations and credit advices. They are based on the ISO and the corresponding EPC and SWIFT recommendations.

Downloads (Version of 25 July 2016, example unchanged)

The original ISO 20022 XML schemas apply to the Implementation Guidelines for Cash Management.

BankToCustomerStatementV02 camt.053.001.02
BankToCustomerStatementV04 camt.053.001.04

This document contains instructions for the technical implementation of the "Bank To Customer Account Report" (camt.052), "Bank To Customer Statement" (camt.053) and "Bank To Customer Debit/Credit Notification"(camt.054).

Implementation Guidelines for Swiss direct debits

The definitions for Swiss direct debits cover the banks schemes (LSV+/BDD) and the PostFinance scheme (CH-DD direct debit) that are currently still separate, and enable the collection of direct debits using the ISO 20022 standard.

Note: With the introduction of the new, joint direct debit scheme (beginning of 2019), both pain.008 versions 

  • version 1 for the CH-DD direct debit scheme and
  • version 2 for the LSV+/BDD schemes

will be supplemented by a uniform version. In the target solution only the uniform version will be offered. Some financial institutions offer the collection of direct debits using the ISO 20022 standard only with this uniform version.

The document contains specifications and instructions for the technical and expert implementation of customer-to-bank messages in accordance with the Swiss ISO 20022 payment standard. The XML message "Customer direct debit initiation" (pain.008) will be used to initiate direct debits.

Implementation Guidelines for Status Report

The XML message "Customer Payment Status Report" (pain.002) is used by the financial institution to inform customers about the status of "pain.001" transfer orders or "pain.008" collection orders that have been sent. These documents serve as instructions for the technical implementation of the ISO 20022 message "Customer Payment Status Report" (pain.002). 

Implementation Guidelines for SEPA direct debits

The EPC specifications form the basis of the Swiss SEPA direct debit guidelines. 

These documents serve as instructions for the technical implementation of the ISO 20022 message «Customer Direct Debit Initiation» (pain.008) for SEPA direct debits.
The use of the respective version must be agreed upon with the financial institution.

Valid as of November 2016: Downloads (Version from 1 June 2016)