SEPA payment with indiv. FX
How to use this window
Use this window to enter payments in EUR to SEPA area. SEPA payments with indiv. FX can be used for foreign (cross-border) payments in EUR or for payments in EUR within the Czech Republic (both outside KB and to KB accounts). You can enter more detailed identification details of the debtor and creditor in SEPA payments to be sent to a so-called SEPA compatible bank ( these data usually depend on the agreement between the debtor and creditor). A SEPA-compatible bank is a bank that accepts SEPA payments with all optional SEPA payment data. Fees for SEPA payments are always shared between the payer and beneficiary (SHA type).Use this order only to pay by FX funds purchased through individual FX rate. The client must have concluded an "Of individual rate" or "E-Trading" contract.
The payment can be entered without conversion only, using FX funds in EUR.
Latest times for sending SEPA payments with indiv. FX in order to keep the due date of the current Business day:
| Mode of payment processing | Latest time to be sent (Business day) |
| Urgent | 14:00 hod. |
| Expres s konverzí* mimo KB | 17:00 hod. |
| Expres bez konverze | 20:30 hod. |
| Expres s konverzí* v rámci KB | 20:30 hod. |
*) Express with conversion – the debtor's account currency is different from the payment currency.
The table does not include payments to the target bank of KB Bratislava. Payments to the target bank of KB Bratislava received by 15:00 will be paid into the creditor's account right on the current business day; otherwise, they will be paid in on the next business day.
The guaranteed period for crediting of a SEPA payment to the beneficiary’s account is 1 business day from the due date specified in the SEPA payment (with considerations to national calendars).
Until 11:00 am, urgent SEPA payments will be processed with additional SEPA information (payment reference and optional identification data) only if the SCT purpose category-Description field contains the "SEPA" phrase.
Note: In case the currency of the payment is different from the currency of the beneficiary’s account, the beneficiary’s bank may convert it to the beneficiary’s account currency using the exchange rate of the beneficiary’s bank.
Description of the window and its elements
| Element | Description |
| From account | Bought FX funds. |
| Use template | Drop-down list of templates for SEPA payments. When you select a template name, its data will be added in both the first and second parts of the view. List of templates (includes option to create new templates) is available on the Payment order templates window. |
| Account name | Owner of the product – contract allowing for implementation of orders with an individual FX rate. |
| Use purchased FX funds in currency | Currency of the purchased FX funds used for payment. Pro SEPA platbu s indiv. FX lze použít pouze EUR. |
| IBAN | The number of the credited account. The IBAN format must be used for SEPA payments. Click here to learn how to enter the account number in the IBAN format.. |
| Name | The name or company name of the payment beneficiary. |
| Street (P.O. BOX) | Street (P.O. BOX) Street or P.O. BOX of the payment beneficiary. |
| City, ZIP | City, ZIP of the payment beneficiary. |
| Country | Select beneficiary's country. |
| Enter BIC/SWIFT code / Select from the list | Select the mode of entering the SEPA payment beneficiary's bank:
|
| Select bank button | Press this button to open the Bank selection window. After making a selection, the beneficiary's bank details will be filled in on the SEPA payment with indiv. FX window. |
| BIC / SWIFT code | Code used for unique identification of a specific bank. BIC / SWIFT code is always entered using 8 or 11 chars. When 8 characters have been entered, the code will be suffixed with "X" letters to complete 11 characters. Example: DEUTDEFFXXX. |
| Country | Country of beneficiary's bank. |
| Name | Name of beneficiary's bank. |
| Town | Town of beneficiary's bank. |
| Street | Street of beneficiary's bank. |
| Amount | Transferred amount in EUR. |
| Currency | Select the currency to perform the payment in. SEPA payments can only be entered in EUR. |
| Currency converter button | Press this button to open the Currency converter to convert the amount in the currency of the payment into the amount in the payer's account currency. |
| Account for charges | Account number for recording fees relating to a foreign payment. |
| Urgent payment | Check this option to process the SEPA payment as "Urgent", otherwise, it will be processed as "Express".
|
| Due date | Date when bank starts processing the order. It is possible to enter SEPA payments with an advance due date of up to 364 days in advance. You can choose the date using the embedded calendar. |
| E2E reference | Payment reference (so-called END2END) - its specific value depends on the agreement between the debtor and creditor. |
| SCT purpose | This, as well as the constant symbol, will be used for identification of the payment by the creditor. Description - Send as non-structured information Code - Send as structured information |
| SCT purpose category | Use this option to identify payments. If you enter the "SEPA" phrase in the SCT purpose category-Description field, urgent SEPA payments entered by 11:00 am will be processed with additional SEPA information (payment reference and optional identification data). |
| Remittance information | Phrasal payment description. In case the “/VS/” string appears in the field, the up to ten digits that follow will be put in the variable symbol of the order. Example: If you enter /VS/1234567890 in the Purpose of payment field, the value 1234567890 will be saved in the variable symbol field. |
| Debtor's identification Creditor's identification Ultimate Debtor's identification Ultimate Creditor's identification | Details of identification of the debtor and creditor - its specific values depend on the agreement between the payer and beneficiary. |
| Back button | Press this button to return to the List of orders with indiv. FX or Orders for authorisation with indiv. FX window without saving changes. This button is only available when making changes to a foreign payment. |
| Save changes button | Press this button to save the changes and return to the List of orders with indiv. FX or Orders for authorisation with indiv. FX window. This button is only available when making changes to orders with "awaiting authorisation" or "partially authorised" status. |
| Save as template button | Press this button to display the Modification of SEPA payment template window to be able to save order data in a template for future use. |
| Save for authorisation button | Press this button to save the order to the Orders for authorisation with indiv. FX list (to be signed and submitted for processing later). |
| Sign and send... button | Press this button to open the SEPA payment with indiv. FX - authorization window, enabling you to check data, sign and submit an order for processing. |
Notification of payment
How to use this window
Use this window to enter a single notification of payment to up to 5 addressees via SMS, e-mail or fax.
Description of the window and its elements
| Element | Description |
| Send notification | Use this option to select the condition for sending - If processed, If rejected, Always when processed, To be authorized. |
| Addressee of messages | It is possible to select the addressee of a message from the address book. If an addressee is not in the book, the Channel and Number/address can be set directly. |
| Channel | Setting of a channel - SMS, E-mail or FAX - to which the notification will be sent. |
| Number/address | If an addressee was selected from the address book and the channel filled in, this information will be loaded automatically. If the addressee is not in the book, Number/address must be entered. |
| Language | Setting the language of the notification. |
| New recipient link | Click on this link to add another line to enter a new notification recipient. |
| Remove link | Click on this link to remove a notification recipient. |
| Cancel payment notification | Use this option to cancel notifications set for the payment order and hide the extension of the SEPA payment with individual FX payment form.. |
Beneficiary's account number in the IBAN format
IBAN is regulated by the banking standard of European Committee no. EBS 204. For details, see the ČNB website www.cnb.cz.
IBAN may consist of up to 34 digits and capital letters including:
IBAN example for Germany - electronic format:
DE89370400440532013000
For hardcopy forms (invoices, letters), it will be delimited by spaces into groups of 4 chars; for electronic processing, no spaces shall be used. Therefore, enter IBAN always without spaces when typing BP transactions.
IBAN example for Germany - written format:
DE89 3704 0044 0532 0130 00
Answers to frequently asked questions concerning the window
Can I enter an account for charges that is not operated through the MojeBanka Business service?
No. In the MojeBanka Business service, only current accounts operated through MojeBanka Business can be selected as accounts for charges. In addition, users must have access rights to these accounts. The applicable accounts are displayed in the Account for charges drop-down list.
How do limits work on non-banking days?
The "banking day" term used throughout this help means days that end in night processing (booking). This means Saturdays and Sundays together with the following Mondays are considered single banking days. Similarly, holidays are tied to the nearest upcoming banking day. Limits are restored on banking days at approx. 8:30 pm, according to the actual closing of the day by the bank system.
MojeBanka Business