Statement Narratives

Below are examples of statement narrative descriptions. Some statement narratives change overnight, so we have shown examples of same day and historic transactions.

See below for a Glossary of statement terms used. Please note that incoming payment data varies from bank to bank so credit narrative is dependent on what is sent by the remitting bank.

Glossary
Beneficiary - Name of person/business the payment has been sent to
Reference - Reference details sent with payment

Remitter - Account name of person/business incoming payment received from
Remitter Reference - Reference provided with incoming payment

BACS SINGLE AND BACS DIRECT (MULTIPLE)

PAYMENT TYPE

SAME DAY DESCRIPTION

HISTORIC DESCRIPTION

BACS DEBIT

[BENEFICIARY NAME] DD [REFERENCE]

[BENEFICIARY NAME] DD [REFERENCE]

EXAMPLE

A N OTHER LTD DDINVOICE 123

BACS CREDIT

[REMITTER ACCOUNT NAME] BGC [REMITTER REFERENCE]

[REMITTER ACCOUNT NAME] BGC [REMITTER REFERENCE]

EXAMPLE

XYZ LTD BGCINVOICE 123

BACS DIRECT (MULTIPLE) DEBIT

[PAYMENTS BAT] 12345 DD [REMITTER REFERENCE]

[PAYMENTS BAT] 12345 DD [REMITTER REFERENCE]

EXAMPLE

PAYMENTS BAT 12345 DDINVOICE 1234

BRANCH DEPOSIT

PAYMENT TYPE

SAME DAY DESCRIPTION

HISTORIC DESCRIPTION

BRANCH DEPOSIT

SERIAL NUMBER OR AS INPUT BY TELLER

SERIAL NUMBER OR AS INPUT BY TELLER

EXAMPLE

000409812

CHAPS

PAYMENT TYPE

SAME DAY DESCRIPTION

HISTORIC DESCRIPTION

CHAPS DEBIT

[BENEFICIARY NAME] F\FLOW TFR [REFERENCE]

[BENEFICIARY NAME] F\FLOW TFR [REFERENCE]

EXAMPLE

XYZ LTD F\FLOW TFRINVOICE111

CHAPS CREDIT

F\FLOW [REMITTER NAME] TFR [PAYMENT DETAILS]

F\FLOW [REMITTER NAME] TFR [PAYMENT DETAILS]

EXAMPLE

F\FLOW A N OTHER LTD TFRINVOICE123

Additional payment reference information will be provided on Same Day and Historic (where this has been provided by the remitting bank).

INTER ACCOUNT TRANSFERS

PAYMENT TYPE

SAME DAY DESCRIPTION

HISTORIC DESCRIPTION

INTER ACCOUNT TRANSFERS DEBITS

TO A\C TFR [CREDIT ACCOUNT NUMBER] [CREDIT SORT CODE]

TO A\C TFR [CREDIT ACCOUNT NUMBER] [CREDIT SORT CODE]

EXAMPLE

TO A\C TFR12345678 123456

INTER ACCOUNT TRANSFERS CREDITS

FROM A\C TFR [DEBIT ACCOUNT NUMBER] [DEBIT SORT CODE]

FROM A\C TFR [DEBIT ACCOUNT NUMBER] [DEBIT SORT CODE]

EXAMPLE

FROM A\C TFR98765432 654321

FASTER PAYMENTS

PAYMENT TYPE

SAME DAY DESCRIPTION

HISTORIC DESCRIPTION

FASTER PAYMENTS DEBIT

[BENEFICIARY NAME] FPO [UNIQUE FPS TRANSACTION ID] [REFERENCE] [BENEFICIARY SORTCODE] [FPS CODE]

[BENEFICIARY NAME] FPO [UNIQUE FPS TRANSACTION ID] [REFERENCE] [BENEFICIARY SORTCODE] [FPS CODE]

EXAMPLE

JOHN SMITH FPO 123456789123456789 INVOICE123 123456 10

JOHN SMITH FPO 123456789123456789 INVOICE123 123456 10 04 AUG 2014 13:30

FASTER PAYMENTS CREDIT

[REMITTER NAME] FPI [REMITTER REFERENCE] [UNIQUE FPS TRANSACTION ID] [REMITTER SORT CODE] [FPS CODE]

[REMITTER NAME] FPI [REMITTER REFERENCE] [UNIQUE FPS TRANSACTION ID] [REMITTER SORT CODE] [FPS CODE] [TRANSACTION DATE AND TIME]

EXAMPLE

XYZ LTD FPI INVOICE 123 123456789123456789 123456 10

XYZ LTD FPI INVOICE 123 123456789123456789 123456 10 04 AUG 2014 13:30

INTERNATIONAL PAYMENTS DEBITING/CREDITING A STERLING ACCOUNT

PAYMENT TYPE

SAME DAY DESCRIPTION

HISTORIC DESCRIPTION

INTERNATIONAL PAYMENTS DEBIT

FT12345678912345 [REFERENCE] / [BENEFICIARY ACCOUNT NUMBER] [CURRENCY] [VALUE OF PAYMENT] [EXCHANGE RATE USED]

FT123456789123 FOREIGN [CURRENCY OF PAYMENT] [VALUE OF PAYMENT] AT [EXCHANGE RATE USED]

EXAMPLE

FT12345678912345 INVOICE / 12345678 USD 1500.00 1.6117

FT123456789123 FOREIGN EUR 1.44 AT 1.222

INTERNATIONAL PAYMENTS CREDIT

002 [DATE PAYMENT RECEIVED] [VALUE OF PAYMENT] [EXCHANGE RATE USED]

CCY PURCHASE FT123456789123 O/O [REMITTERS ACCOUNT NAME]

EXAMPLE

002 10 AUG 2012 EUR 1500.00 1.1206

CCY PURCHASE FT123456789123 O/O XYZ LTD

INTERNATIONAL PAYMENTS DEBITING/CREDITING A CURRENCY ACCOUNT

PAYMENT TYPE

SAME DAY DESCRIPTION

HISTORIC DESCRIPTION

INTERNATIONAL PAYMENT DEBIT

FT12345678912345 [REFERENCE] / [BENEFICIARY ACCOUNT NUMBER] [CURRENCY] [VALUE OF PAYMENT] [EXCHANGE RATE USED]

[REFERENCE] FT12345678912345 [BENEFICIARY ACCOUNT NAME]

EXAMPLE

FT12345678912345 INVOICE REF /12345678 EUR 100.00 1.17

INVOICE REF FT12345678912345 XYZ LTD

INTERNATIONAL PAYMENT CREDIT

002 [DATE] [CURRENCY] [VALUE OF PAYMENT] [EXCHANGE RATE USED]

CCY PURCHASE FT12345678912345 O\O [REMITTER ACCOUNT NAME]

EXAMPLE

002 04 AUG 2012 EUR 5000.00 1.1151

CCY PURCHASE FT12345678912345 O\O PARIS OFFICE

CURRENCY INTER ACCOUNT TRANSFERS

PAYMENT TYPE

SAME DAY DESCRIPTION

HISTORIC DESCRIPTION

CROSS CURRENCY TRANSFER DEBIT

002 [DATE TRANSFER MADE] [VALUE OF TRANSFER] [CURRENCY] [EXCHANGE RATE USED]

INTER A\C TRANSFFT12345678912345 [BENEFICIARY ACCOUNT NAME]

EXAMPLE

002 22 JUN 2012 USD 1000.00 1.4737

INTER A\C TRANSFFT12345678912345 XYZ LTD

CROSS CURRENCY TRANSFER CREDIT

FT12345678912345 INTER A/C TRANSF /000000 [REMITTER ACCOUNT NUMBER] [CURRENCY] [EXCHANGE RATE USED]

INTERNAL TRNSFERFT12345678912345 O\O [REMITTER ACCOUNT NAME]

EXAMPLE

FT12345678912345 INTER A/C TRANSF /00000012345678 USD 1.54002

INTERNAL TRNSFERFT12345678912345 O\O XYZ LTD

STANDING ORDERS

PAYMENT TYPE

SAME DAY DESCRIPTION

HISTORIC DESCRIPTION

STANDING ORDER DEBIT

[BENEFICIARY NAME] SO

[BENEFICIARY NAME] SO

EXAMPLE

AN OTHER SO

STANDING ORDER CREDIT

[REMITTER NAME] FPI [REMITTER REFERENCE] [UNIQUE FPS TRANSACTION ID] [REMITTER SORT CODE] [FPS CODE]

[REMITTER NAME] FPI [REMITTER REFERENCE] [UNIQUE FPS TRANSACTION ID] [REMITTER SORT CODE] [FPS CODE] [TRANSACTION DATE AND TIME]

EXAMPLE

XYZ LTD FPI INVOICE 123 987654321098 123456 10

XYZ LTD FPI INVOICE123 987654321098 123456 10 04 AUG 2014 13.30

Additional payment reference information will be provided on Same Day and Historic (where this has been provided by the remitting bank).