Acme Citibank Taiwan Payments (H2H)

This describes validations / allowed data formats for Acme payments going through Citibank Taiwan (CITITWTXXXX). These will be validated by Acme and further validated by the bank. These rules may be stricter than what the bank requires.

Common Definitions

• SWIFT Character Set:
  • The 26 uppercase Latin letters A-Z
  • The 26 lowercase Latin letters a-z
  • The 10 digits 0-9
  • Forward slash /
  • Hyphen -
  • Question mark ?
  • Colon :
  • Left and right parentheses ( )
  • Full stop .
  • Comma ,
  • Single quote '
  • Plus sign +
  • Space  

Citibank restrictions

• For SWIFT character set: Citibank may reject fields that start with /, -, or :.

Receiver address mapping:

• receiver.address.city and receiver.address.country map to dedicated structured fields (TwnNm and Ctry) in the bank file.
• For BKTR, the bank file always sends Ctry as TW regardless of what the client sends; Acme only validates that receiver.address.country is TW when provided.
• receiver.address.line1 and receiver.address.line2 each take a dedicated AdrLine slot when present.
• receiver.address.city, receiver.address.state, receiver.address.postalCode, and receiver.address.country are additionally combined into any remaining AdrLine capacity, so they may appear in both structured fields and address lines (for example, city = Taipei and country = TW can produce <TwnNm>Taipei</TwnNm>, <Ctry>TW</Ctry>, and <AdrLine>Taipei TW</AdrLine>).
• The full address must fit in 2 lines of 35 SWIFT characters. line1 and line2 take priority over the combined remainder; if the address cannot be formatted within those limits, Acme rejects the request.

BKTR

Book transfer between accounts held at Citibank Taiwan (CITITWTXXXX).

Important

• For TWD, the amount must not have cents / digits after the decimal point (you must send amount ending in 00).
• paymentDate cannot be in the past. Maximum 21 days forward.
• receiver.address.country is fixed to TW.

field	pattern / charset	max length	mandatory/optional
payments[N].customerReference	SWIFT (uppercase only)	15	O
payments[N].paymentDetails	SWIFT	140	O
payments[N].paymentAdviceEmails[N]	Valid email address Example: ["finance@company.com"]	50 per email (max 1 email)	O
payments[N].receiver.name	SWIFT	35	M
payments[N].receiver.bankAccountNumber	Alphanumeric	34	M
payments[N].receiver.address.line1	SWIFT	35	O
payments[N].receiver.address.line2	SWIFT	35	O
payments[N].receiver.address.city	SWIFT	35	O
payments[N].receiver.address.state	SWIFT	35	O
payments[N].receiver.address.postalCode	SWIFT	35	O
payments[N].receiver.address.country	Fixed value TW	2	O

TT

Telegraphic transfer for international payments.

Important

• Payment date cannot be in the past. Maximum 21 days forward.
• For TWD, the amount must not have cents / digits after the decimal point (you must send amount ending in 00).
• Taiwan Central Bank regulatory reporting enforces beneficiaryType, transactionNature, purposeCode, subCode, and specialApproval. Acme assembles them into a /TWNREG/[beneficiaryType][transactionNature][purposeCode][subCode][specialApproval][internetBankingFlag] string for the bank. Acme sets internetBankingFlag to W; clients do not send this field.
• Refer to the Taiwan Central Bank Reporting Code provided by Citibank for the specification.

field	pattern / charset	max length	mandatory/optional
payments[N].customerReference	SWIFT (uppercase only)	15	O
payments[N].paymentDetails	SWIFT	140	O
payments[N].paymentAdviceEmails[N]	Valid email address Example: ["finance@company.com"]	50 per email (max 1 email)	O
payments[N].instructionForSenderBank	SWIFT	35	O
payments[N].bankChargeBearer	SENDER / RECEIVER / SHARED		O
payments[N].beneficiaryType	1 Government / 2 Public / 3 Private / 4 FX Funds	1	M
payments[N].transactionNature	One of S Y B A C I G J E R T X 4	1	M
payments[N].purposeCode	Alphanumeric (0-9, A-Z), exactly 3 characters Example: 194	3	M
payments[N].subCode	One of A B C D E F G I R S T X Y Z Required when purposeCode is 692, 693, or 695. Optional otherwise.	1	Conditional
payments[N].specialApproval	Y / N	1	M
payments[N].receiver.name	SWIFT	35	M
payments[N].receiver.bank	BIC (8 or 11 characters, ISO 9362)	11	M
payments[N].receiver.intermediaryBank	BIC (8 or 11 characters)	11	O
payments[N].receiver.bankAccountNumber	Alphanumeric	34	M
payments[N].receiver.address.line1	SWIFT	35	O
payments[N].receiver.address.line2	SWIFT	35	O
payments[N].receiver.address.city	SWIFT	35	M
payments[N].receiver.address.state	SWIFT	35	O
payments[N].receiver.address.postalCode	SWIFT	35	O
payments[N].receiver.address.country	ISO 3166-1 alpha-2	2	M

TW_ACH

Taiwan domestic ACH transfer.

Important

• Currency must be TWD only.
• The amount must not have cents / digits after the decimal point (you must send amount ending in 00).
• Payment date cannot be in the past. Maximum 365 days forward.
• receiver.name must be in Han script (Chinese characters).

field	pattern / charset	max length	mandatory/optional
payments[N].customerReference	SWIFT (uppercase only)	15	O
payments[N].paymentDetails	SWIFT	140	O
payments[N].paymentAdviceEmails[N]	Valid email address Example: ["finance@company.com"]	50 per email (max 1 email)	O
payments[N].receiver.name	Han script (Chinese) only	70	M
payments[N].receiver.localRoutingIdentifier	Numeric (7 digits exactly)	7	M
payments[N].receiver.bankAccountNumber	Alphanumeric	34	M
payments[N].receiver.address.line1	SWIFT	35	O
payments[N].receiver.address.line2	SWIFT	35	O
payments[N].receiver.address.city	SWIFT	35	O
payments[N].receiver.address.state	SWIFT	35	O
payments[N].receiver.address.postalCode	SWIFT	35	O
payments[N].receiver.address.country	ISO 3166-1 alpha-2	2	O

TW_RTGS

Taiwan domestic RTGS transfer for high-value payments.

Important

• Currency must be TWD only.
• The amount must not have cents / digits after the decimal point (you must send amount ending in 00).
• Payment date cannot be in the past. Maximum 365 days forward.
• receiver.name must be in Han script (Chinese characters).
• If address is provided, both city and country are mandatory.

field	pattern / charset	max length	mandatory/optional
payments[N].customerReference	SWIFT (uppercase only)	15	O
payments[N].paymentDetails	SWIFT	140	O
payments[N].paymentAdviceEmails[N]	Valid email address Example: ["finance@company.com"]	50 per email (max 1 email)	O
payments[N].receiver.name	Han script (Chinese) only	70	M
payments[N].receiver.localRoutingIdentifier	Numeric (7 digits exactly)	7	M
payments[N].receiver.bankAccountNumber	Alphanumeric	34	M
payments[N].receiver.address.line1	SWIFT	35	O
payments[N].receiver.address.line2	SWIFT	35	O
payments[N].receiver.address.city	SWIFT	35	O
payments[N].receiver.address.state	SWIFT	35	O
payments[N].receiver.address.postalCode	SWIFT	35	O
payments[N].receiver.address.country	ISO 3166-1 alpha-2	2	O