Customer-Bank Messages
The Swiss financial industry has released recommendations (Swiss Payment Standards) on exchanging of data between customers and banks based on the ISO 20022 definitions in the payments and Cash Management areas. A validation platform supports the consistent use of the ISO 20022 messages.
In assignment by PaCoS (Payments Committee Switzerland), a working group elaborated the Swiss Payment Standards for implementation of the format standards for payments initiation based on the ISO 20022 standard. The Swiss Payment Standards, which are supported by all Swiss financial institutions, are based upon the basic documentation issued by the ISO and the EPC (European Payments Council) and are reflected in the two rulebooks, the “Swiss Business Rules” and the “Swiss Implementation Guidelines”.
Swiss Payment Standards
The Swiss Payment Standards are summarized in the Business Rules and Implementation Guidelines. Below is an overview of the most recent versions. The older ones are available in the archives.
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Implementation Guidelines for Cash Management SPS 2020 (Version 1.7.1 of February 2020)
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. 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).
- IG Customer-to-Bank Cash Management: camt example
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BankToCustomerStatementV02 (ZIP)
Original ISO 20022 XML-Schema for camt.053.001.02
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BankToCustomerStatementV04 (ZIP)
Original ISO 20022 XML-Schema for camt.053.001.04
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BankToCustomerDebitCreditNotificationV04 (ZIP)
Original ISO 20022 XML-Schema for camt.054.001.04
Version of February 2019
Versions of January 2018
Version of September 2017
Versions of August 2017
- Downloads
- Business Rules, Version 2.6.2
- Swiss Implementation Guidelines for SEPA Direct Debit, Version 2.5.2
- Swiss Implementation Guidelines for SEPA Direct Debit, Version 2.5.1
- Swiss Implementation Guidelines for Cash Management, Version 1.5.2
- Swiss Implementation Guidelines for Cash Management, Version 1.5.1
- Swiss Implementation Guidelines for Credit Transfer, Version 1.7.1
- Swiss Usage Guide, Version 1.2.1
- Swiss Usage Guide, examples
- Swiss Implementation Guidelines for the Swiss Direct Debit Procedure, Version 1.1.1
Version of March 2017
Versions of November 2016
Versions of July 2016
- Downloads
- Swiss Implementation Guidelines for the Swiss Direct Debit Procedure, Version 1.1
- Swiss Implementation Guidelines for Status Report, Version 1.0
- Swiss Implementation Guidelines for Status Report, schema and examples
- Swiss Usage Guide, Version 1.2
- Business Rules, Version 2.6
- Swiss Implementation Guidelines for credit transfers, Version 1.6
- Swiss Implementation Guidelines for Cash Management, Version 1.4
Versions of December 2015
Versions of August 2015
- Downloads
- Swiss Business Rules, Version 2.5
- Swiss Implementation Guidelines for Cash Management, Version 1.3
- Swiss Usage Guide, Version 1.1
- Swiss Usage Guide, Example
- Swiss Implementation Guidelines for credit transfers, Version 1.5.1
- Swiss Implementation Guidelines for credit transfers, schema and examples
- Swiss Implementation Guidelines for credit transfers, Version 1.5
- Swiss Implementation Guidelines for the Swiss Direct Debit Procedure, Version 1.0
- Swiss Implementation Guidelines for the Swiss Direct Debit Procedure, schema and examples
Version of April 2015
Versions of June 2013
| September | Submission of amendments |
| Deadline for submission of change requests for the next SPS release (to be published in February of next year). At the same time, the deadline for submitting change requests for the next SPS release begins. | |
| October | Publication of planned amendments |
| The amendments planned up to this point will be published and any feedback will be sought. | |
| November | End time for feedback on planned amendments |
| Expiry of time period for feedback on planned amendments | |
| February | Publication of the annual SPS release |
| The updated version of the documents will be published as annual release SPS SR20nn. | |
| April | Update of the SIX Validation Portal |
| The SPS annual release definitions published in February can be tested on the SIX validation portal. | |
| November | Implementation by banks |
| The SPS annual release definitions published in February are supported by the banks as of the SIC release date. |
Validation Portal Customer-Bank Messages
The validation portal serves to promote the uniform application of the ISO 20022 standard for payments in the Swiss financial center. It supports software providers/corporates and financial institutions in their effort to ensure a high quality of the technical validation of ISO 20022 messages.
The central validation portal of the financial center checks the conformity of generated XML messages with the regulations in the Swiss Business Rules and Implementation Guidelines.
Link to Validation Portal Customer-Bank Messages
Interbank Messages
The Implementation Guidelines, which contain the rules mutually agreed upon by Swiss interbank governance bodies and committees, are binding for all SIC participants. A validation platform has been created to support the uniform application of ISO 20022 interbank messages.
Implementation Guidelines
A modular approach was used for the structure of the Implementation Guidelines. The document modules – one for each ISO 20022 message type – contain message-specific information as well as instructions on the application-specific handling of individual elements.
Downloads for the SIC Platform Release 4.7 of 20.11.2020 (incl. Errata of 22.06.2020)
Downloads for the SIC Platform Release 4.6 of 15.11.2019
Version of 16 November 2018
Version of 17 November 2017
Downloads pertaining to the introduction of Viseca as a new third-party system in SIC from 8 June 2017
Version of 18 November 2016
Version of 18 November 2016
Version of 2 July 2015
Version of 16 April 2015
Validation portal Interbank Messages
The validation portal interbank messages helps to promote the uniform application of the ISO 20022 standard for SIC and euroSIC payments. It allows financial institutions to ensure a high quality of the technical validation of ISO 20022 interbank messages.