What has remained unchanged during switching to the international standard ISO 20022 and the version 4.0 of the EPS

The operational time and the schedule for performance of domestic currency payments initiated via the Bank’s digital channels or via the EPS:

Operational time (sending/crediting) – from 9.00 a.m. to 17.00 p.m. during weekdays and business days only
Performance of payments (sending/crediting) requiring no additional checks by the Bank – 7 days per week from 4:00 a.m. to 23:00 p.m.

Starting from the 01.12.2023, the payments constituting payment of taxes, payments to the budget, payment of the administrative services fees, payment of fines for violation of the traffic rules shall be made with use of the structured payment purpose only.

Basis for the changes: Order of the Ministry of Finance of Ukraine (hereinafter – MinFin of Ukraine) No.148 of 22.03.2023

Key changes are described here.

What changes	Content of changes	Examples, Specifics
New Raiffeisen Business Online, from the 25.11.2023	From the 25.11.2023, the control that all the payments made to the accounts opened with the State Treasury Service with the sort code “899998” (the NBU ID code) are created with the use of the structured payment purpose shall be introduced in the system (Web-version and the mobile application): · From the 11.07.2023, a new type of UAH payment – the BUDGET PAYMENT having 4 types of the payments to the budget shall be introduced; · The length of the field “Payment purpose” in the statements has been extended to 420 symbols; · The import/export files have changed. Attention! For the BUDGET PAYMENTS the function of saving the template in the directory or creation of a template of such budget payment shall not be available, we will inform you additionally once this function is implemented. The printed template of the payment instruction and the reflection in the statements have not changed! The existing type of the standard payment PAYMENT ON THE TERRITORY OF UKRAINE – has not changed.	Payments to the budget in new RBO
Raiffeisen Business Online (Client-Bank system), from the 02.12.2023	From the 02.12.2023, the control that all the payments made to the accounts opened with the State Treasury Service with the sort code “899998” (the NBU ID code) are created with the use of the structured payment purpose shall be introduced in the system (Web-version and the mobile application): · From the 22.07.2023, a new type of UAH payment – the BUDGET PAYMENT having 4 types of the payments to the budget shall be introduced; · The length of the field “Payment purpose” in the statements has been extended to 420 symbols; · The import files have changed; Attention! The users of PC-Banking and Autoclient will need to update the software to the version 2.0.24.3012 after the 02.12.2023, otherwise, the newly introduced changes will not be accessible and the payments to the budget will be created according to the “old” logics (that is, without the structured filling in of the payment purpose). Please, pay attention! The function of saving the template for the BUDGET PAYMENTS in the directory of the receivers shall not be available, we will inform you additionally once this function is implemented. The printed template of the payment instruction and the reflection in the statement have not changed! The existing type of the standard payment PAYMENT ON THE TERRITORY OF UKRAINE – has not changed. The current export files formats have remained unchanged.	Payments to the budget in Bifit
Raiffeisen Online, from the 01.12.2023	Carrying out payments to the budget pursuant to Decree No.148 shall be possible in a limited number of categories of taxes (the unified tax, the private individual income tax, the military tax, land tax, the real estate property tax, the unified social contribution and some other taxes). If you try to carry out in Raiffeisen Online system a payment using the payment reference details IBAN with the sort code “899998” (the NBU ID code), you shall receive a message on impossibility of making the payment to the indicated IBAN and the suggestion to go to the section Payments by categories — Payments to the budget.
Cash desk online	From the 21.11.2023, the control that all payments made to the accounts opened with the State Treasury Service with the sort code “899998” (the NBI ID code) are created with the use of the structured payment purpose shall be introduced in the system. From the 01.07.2023, a new section “Payments to the budget”, in which you can make a payment to the budget in accordance with the requirements of the Decree 148, if you did not find the necessary category here.
Cashless payments at a branch	From July, 2023, 4 templates of the payments instruction of the budget payments have been added, supported with the memos on their filling in, they can be found at the following link, they are to be used for the correct filling in of the field of the payment purpose while carrying out the payments to the budget pursuant to the Decree No.148. Attention! If you need to pay the taxes or make another payment to te budget on behalf of another person/company: · you need to use the extended (full) template of the payment instruction of the respective type, · the reference details of such person/company shall be specified in the block “Actual payer”.	Templates of payment instructions
More details on the cash payments at the branch cash desk here.	Starting from July 2023, in order to conduct a cash payment at the Bank’s cash desk, you need to provide the information on the filling in of the payment purpose pursuant to the Decree No.148. Attention! Moreover, if needed, you can pay taxes or make other payments to the budget on behalf of another person/company, in this case you have to provide the data of such person/company (at least the name/name, surname, patronymic, as well as the taxpayer’s identification code or the code in the Unified State Register of the Enterprises and Organizations of Ukraine).

Changes in the import and export files in Raiffeisen Business Online

What changed?

From the 25.11.2023, in the new Raiffeisen Business Online and from the 02.12.2023, in Raiffeisen Business Online (Client-Bank system), when uploading the import files with the payments made to the accounts opened with the State Treasury Service with the sort code “899998” (the NBU ID code), you have to fill in all the fields required for the forming of the structured payment purpose.

From July, 2023:

In the import files: the length of the field “the payment purpose” has been extended to 420 symbols, 5 new fields for making the payments to the budget with the structured payment purpose have been added

In the export files: from the 11.07.2023, in new Raiffeisen Business Online the clones of the existing formats (Profix, Bank-Client and BM RS) have been created, the length of the fields “the document number” – has been extended to 35 symbols, “the payer’s/beneficiary’s name” – has been extended to 140 symbols, “the payer’s/beneficiary’s bank name” – has been extended to 80 symbols, “Payment purpose” – extended to 420 symbols with the view to the complete reflection of the information in the statements.

(New Raiffeisen Business Online) the Instruction providing the description of the new import and export files can be found here.
(Client-Bank system) the Instruction providing the description of the new import file can be found here.

Pay attention!

1.You need to resolve on your own the issue of settings/updating of your internal systems that will allow to carry out in the correct manner the documents import/export operations.

A) New Raiffeisen Business Online here.

B) Raiffeisen Business Online (Client-Bank system) here.

2.If in Raiffeisen Business Online (Client-Bank system) you use the following applications:

А) You will need to re-install Autoclient application before your first connection to it after the 02.12.2023 and to transfer all of your settings applicable now – otherwise it will not be able to operate. We advise you to engage for this an IT specialist. The update shall be carried out according to the instruction on the autoclient.

B) PC Banking application will not function ofter the 02.12.2023 without its re-installing, thus we kindly ask you:

to switch to the use of Client-Bank Web-version already now or
after the 02.12.2023, re-install PC Banking application according to the instruction.

Import files:

If you do not carry out budget payments with use of the import file, you can leave unchanged the format of the import file and use the existing one.
If you carry out budget payments with use of the import file, but will not have enough to introduce the required changes on your side, you can make the specified payments via Raiffeisen Business Online manually.

Export files:

Clones of all export files (v.2) have been created in order to provide in the statement all the existing information.
If you have the problems with the statements in the existing formats, you can continue using the existing export files formats, they do not change.

Зміни в друкованих формах та інтерфейсах

Due to the implementation of the structured payment purpose under the budget payments, we kindly ask you to take into account the following as regards the printed templates of payments instructions:

They will remain unchanged in the new Raiffeisen Business Online and Raiffeisen Business Online (Client-Bank system).
For carrying out the cashless transactions at the branches, since the 07.07.2023, the templates have been changed, they are provided at the link. The templates for making the budget payments have been supported with the memos containing the rules of filling.
While conducting the payments at the cash desk, only the payment instructions for payments to the budget requiring the structured payment purpose or making the budget payments on another person’s behalf have been changed.

Attention! New Raiffeisen Business Online and Raiffeisen Business Online (Client-Bank system ) have not been supported with the new optional roles of the payment participants: initiator, actual payer and actual receiver. In the case of need to carry out a cashless payment with the specification of additional payment participants, you can add the above participants as additional information in the field “Payment purpose” or to carry out such payment via a branch, having provided a paper-based payment instruction according to the new, complete form.

The payment shall be performed in accordance with the Bank’s tariffs for the payments with use of paper-based media.

ATTENTION! If you need to make a payment to the budget to the accounts opened with the State Treasury Service with the sort code “899998” (the NBU ID code), the data of the person, on whose behalf the payment is made, shall be mandatorily entered in the block “Actual payer” while making the payment at the branch or in the block “Payer” while making the payment via Cash-desk online.

To the attention of private enforcement officers and enforcement services

From the 01.04.2023, pursuant to the international standard ISO 20022, the banks servicing the debt collectors shall ensure the possibility to form and to send to the payer’s bank the request for forced debit (pain.013 Forced debit “Request for carrying out a payment transaction”) in the electronic form.

Thus, to speed up the processing of your requests, we kindly ask the private enforcement officers and enforcement services to switch to sending the requests for forced debit in the electronic form.

What ISO 20022 is?

International message exchange standard prepared by ISO TC68 Financial Services Technical Committee implemented by the National Bank of Ukraine the payment infrastructure of Ukraine.

The standard applies to IBAN–IBAN payments and does not concern security transactions, banking cards, trading and conversion transactions.

Aim of the NBU to implement ISO 20022

Payment space

To align Ukrainian payment space with the world one

Payments banking details

To supplement payments banking details with additional information

Servicing and payments efficiency

To enhance the level of servicing and payments efficiency

Payment instruments

To extend payment instruments functionality

Payments automation

To increase the level of payments automation

The main changes in implementation of ISO 20022

The new Law On Payment Services and Standard ISO 20022 are approved

The whole banking system has transferred by the NBU to the new version of Electronic Payments System (EPS) that operates in 24/7 mode (the banks will not have to support 24/7 operation schedule)
Payment order, payment claim and other forms of payment documents are replaced with payment instructions, which, in addition to the sender and the beneficiary, provided for new non-obligatory payment participants (roles): actual sender, actual beneficiary, initiator
List of necessary updated regulations for the future implementation of the Law of Ukraine "Payment Services and the ISO20022 standard.
The NBU answers to the most frequent questions of the banks are provided here Frequently asked questions”.