Updates Rabo Internet Banking

Last year it was communicated that the BTL91 format was being discontinued. Up till now this format still can be used. As of July 1, 2020, this format can no longer be imported due to renewal of our systems. From this date the imported BTL91 files will be rejected. Payment orders can be submitted via the format pain.001.001.03 (Generic Payment File). More information about the Generic Payment File can be found  here.

The CAMT.053 and CAMT.052 formats are going to change for Multibank and Rabo Network Banking accounts.
Untill April, 8th 2020 the content of field-61 sub-7, sub-8 and sub-9 from the incoming SWIFT MT940 / 942 is shown in the CAMT053 / 052 in tag 2.235 Unstructured (Remittance Information). After this date this information is no longer available in tag 2.235 but can be found in the following CAMT tags:

• The content from the incoming SWIFT MT940 / 2 field-61 sub-7 "Reference account owner" will be shown in CAMT tag 2.147 Instruction Identification;
• The content from the incoming SWIFT MT940 / 2 field-61 sub-8 "Reference account servicing institution" will be shown in CAMT tag 2.84 Account Servicer Reference;
• The content from the incoming SWIFT MT940 / 2 field-61 sub-9 "Supplementary details " will be shown in CAMT tag 2.313 Additional Transaction Information.

More information about the format descriptions of the CAMT.053 and CAMT.052 is available here.

The “New payment order” for single payments will be renewed in the 3rd quarter of 2020. It has a new look & feel and some nice new possibilities:

• Estimated time of arrival of the payment at the receivers account (instant, today, tomorrow, later).
• Recurring payments with payment reference, eg to the Duth Tax Office.
• Recurring saving withdrawals to own accounts.
• Support ISO Structured Creditor Reference (ISO11649) as a payment reference.
• Cross currency payments between own accounts.
• Routing a world payment via an intermediary bank/BIC, after input of the intermediary BIC into address book.
• Email confirmation to the receiver of the worldpayment.

Last year Rabo Internetbanking Professional added “balance groups” to the menu. Here you can select accounts that are reported as a “group”.  can view all book- and value balances for this group on realtime, or historical basis. Furthermore you can make various downloads from these reports. In these views you can connect to “Transactions” which will give you an overview of the transactions in the selected accounts that are responsible for the reflected balance. This functionality will be further enhanced in 2020. Please use the Feedback button to tell us what is still missing and should be added first to these pages.

In ‘Download Transactions’ an extra tab is added for Large Corporates that require extra insights on their banking costs. This functionality has been made available for all business users. By selecting a period and one or multiple accounts you can download a CSV formatted file with the details on your costs for those account. More info and specifications for this and other download files can be found here.

In an imported batch with the status "ready to be sent", users with the rights "amend batch’’ (generic level) in combination with the right ‘’change payment orders" (account level) can change the amount and description of a transaction. You can do this by clicking on the icon with a pen behind the relevant item in the batch. Adjusting transactions from the batch, will result in a strikethrough of the sum of account numbers and SHA check numbers. In addition, it also shows how many items have been changed and the status changes to "ready to be sent - amended". When a transaction amount is changed, the old total amount of the batch will be strikethrough and the new total amount of the batch is shown below.

From 15th October 2019 a customer request for Multibank and Rabo network Banking (RNB) accounts has been fulfilled. In the MT940 Structured and MT942 Structured formats field 25 "Identification of account" has been enriched with the currency code preceded by one blank space. This will ensure that the account will always be unique, in case the account number is set up with multiple currencies.

More information regarding the format descriptions of the MT940 Structured and MT942 Structured is available  here.

Do you have more than 300 accounts in your Rabo Internet Banking Professional agreement? We will soon be optimizing the use of a large number of accounts on some pages.

In ‘Download Transactions’ you can download your Account Statement and Daily Account Statement (PDF). Following customer feedback, there will be two changes in these formats:

• When downloading the Account Statement (.pdf) you can now also download transactions of the current day by using the options ‘Last closed Book Day’ or ‘Last Download Within Current Book Day’. 
• When downloading the Daily Account Statement (.pdf), the serial numbers of your daily account statements are now consecutive even if you supress the statements without transactions. You can set the option not to receive empty daily account statements via Payment & Savings – Self service – Internet and mobile banking – Set account statements without empty pages.

Do you have one of more credit cards? In Rabo Internet Banking (Professional) you can download the credit card transactions of the past 15 months in a CSV file. In Rabo Internet Banking Professional users with the role Owner and AdministratorPlus can see the credit cards present and download the credit card transactions.

You can downloading credit card transactions via Payment & Savings – Download transactions – tab Credit cards

In ‘Download Transactions’ you can download your Account Statement and Daily Account Statement (PDF). Following customer feedback, there will be two changes in these formats:

When downloading the Account Statement (.pdf) you can now also download transactions of the current day by using the options ‘Last closed Book Day’ or ‘Last Download Within Current Book Day’. When downloading the Daily Account Statement (.pdf), the serial numbers of your daily account statements are now consecutive even if you supress the statements without transactions. You can set the option not to receive empty daily account statements via Payment & Savings – Self service – Internet and mobile banking – Set account statements without empty pages.

The old format versions of the CAMT.052 and CAMT.053 will no longer be available from July 1, 2019. You can use the new format versions which are available from January 2019. More information about the new format versions can be found here.

The old versions of the MT940 Structured and MT942 Structured have been cancelled on July 1, 2019. You can use the new format versions which are available from January 2019. More information about the new format versions can be found here.

Do you have one of more credit cards? In Rabo Internet Banking (Professional) you can download the credit card transactions of the past 15 months in a CSV file. In Rabo Internet Banking Professional only users with the role Owner and AdministratorPlus can see the credit cards present and download the credit card transactions.

You can download credit card transactions via Payment & Savings – Download transactions – tab Credit cards

From 1st of May 2019 the import format BTL91 will no longer be accepted. For importing payment orders you can use the format Generic Payment File (PAIN.001.001.03). Read here more about the Generic Payment File.

Rabo Payment request is now also available in Rabo Internet Banking (Professional). You simply send your customer a Rabo Payment request with a payment link. Your customer can pay directly so that the money will be credited to your account more quickly. Rabo Payment request is available for users with the authorisations ‘Create Payment orders’ and ‘1st signature’.

The benefits of Rabo payment requests:

Your customers will pay the invoice more quickly.The amount will be credited directly to your account.Receive a notification when the money is credited (optional).Also useful as a payment reminder.Pay without pay terminal.

In coming months we will improve the functionality. First we will make it possible to import payment requests to send multiple payment requests at a time. This is followed by the option to authorize users separately for payment requests so that users can send pay payment requests for your company without a payment authorisation.

You can find more information of what is going to change at www.rabobank.nl. With the introduction of Instant Payments, payments in euro’s within The Netherlands will increasingly be credited directly to the beneficiary account, seven days a week. This applies to payments in euros to Rabobank account and to other Dutch banks that are affiliated to Instant Payments. This fast way of paying only applies as of mid-2019 for individual payments in euros via Internet Banking and Mobile Banking. Read more information (Dutch). 

Do you want to be sure that your payment is credited on time? Be aware of the timelines for processing your payment (Dutch).

If orders are removed from a batch, the total amount will be recalculated. The original amount is crossed out and the new total amount will be presented below or next to it. Previously the total amount remained unchanged.

The change refers to all the pages of Order files.

Since 13 March 2019 you are be able to view your payment transactions of the last calendar day.

The look and feel of your account overview has changed. You have the same information in a more user-friendly overview. In addition to the account overview you can also consult the information of your credit card(s) via the menu option Account overview. Your account overview is supplemented with a tab Credit cards. Via this tab you can consult the detail information of your credit card(s) and card transactions.

The IRS always needs a payment reference to be able to process your payments into their administration. To reduce the possibility of errors it is now mandatory to fill in the payment reference for payments to the IRS In Rabo Internet Banking. As a result a regularly recurring payment to the IRS isn’t possible, because you cannot give a unique payment reference to a regularly recurring payment.

More information on the mandatory payment reference (Dutch)

In Rabo Internet Banking Professional you are able to search in the audit log data of imported order files. This allows you to find out which employees have performed which actions when importing and processing order files and batches. The search result generates the Audit trail Order files and can be downloaded in PDF. The audit log data of order files offers an overview of changes over the period you selected and other assigned search criteria. This is suitable for your own administration. The option can be found via Payment & Savings – Order files – option ‘Search’.

Consult the leaflet Order files (PDF)

On the 14th of January 2019 we changed the CAMT.053 and CAMT 0.52 reporting formats. With these changes we comply with the guidelines of the SWIFT Common Global Implementation (CGI). The most important changes are: 

Maintenance of the original related party and related agent fields for reversed transactions Expansion of balance type PRCD Change of balance type OPBD New tags Transaction Amount and Proprietary AmountModification of the Creditor Scheme Identification 

 

We advise you to check if your accounting package or ERP-system can process these changes.

On the 14th of January 2019 we expanded the MT940 Structured and MT942 Structured with new information. The most important changes are: 

New sub field with unique Rabobank reference in field 61 Modification of the transaction type codes New code words in field 86 

We advise you to check if your accounting package or ERP-system can process these changes.

More information on the mandatory payment reference (Dutch)

Starting from 1 January 2019, incoming payments into your account will no longer specify payer address details. This applies to download formats CAMT.052, CAMT.053, SWIFT MT940 Structured and SWIFT MT942 Structured. This decision has been agreed between all Dutch banks and may have implications for the administrative processing of your incoming payments. 

Some incoming payments are not processed correctly. What should I do?

Does your accounting software not process your incoming payments correctly? For further help and more information, please contact your software supplier.Consider alternative payment methods, such as direct debits, iDEAL (with or without QR code) or payment requests. This will enable you to establish the payment reference of each payment yourself, whilst increasing the likelihood of automated processing of these payments in your accounts.