Acme OCBC Bank Singapore Payments (H2H)

This describes validations / allowed data formats for Acme payments going through OCBC Bank Singapore. 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

• BIC11:

  • 11-character Bank Identifier Code

General notes

• The beneficiary country (receiver.address.country) must be an uppercase 2-letter ISO 3166 country code (e.g. SG for Singapore).
• The format for BIC (used in receiver.bank and receiver.intermediaryBank) is strictly validated using [A-Z]{6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3})? (as specified in ISO20022 BICFIIdentifier).

Currency

• ACT, MEPS, FAST, GIRO, PAYNOW (FAST), and PAYNOW_GIRO payments must be in SGD.

Payment date

• For GIRO and PAYNOW_GIRO, the paymentDate must be at least one business day after today (Asia/Singapore time).

Amount

• FAST and PAYNOW (FAST) payments must not be more than SGD 200,000 in amount.

FAST / GIRO

field	pattern / charset	max length	mandatory/optional
customerReference	SWIFT	16	M
paymentDetails	SWIFT	140	O
receiver.name	SWIFT	140	M
receiver.bank	BIC11	11	M
receiver.bankAccountNumber	Alphanumeric	34	M
receiver.address	SWIFT	35 chars x 3	O

PAYNOW (FAST)

field	pattern / charset	max length	mandatory/optional
customerReference	SWIFT	16	M
paymentDetails	SWIFT	140	O
receiver.name	SWIFT	140	M
receiver.proxyType	MOBILE or UEN or NRIC or VPA		M
receiver.proxyValue for MOBILE	+ followed by 1 to 15 digits	16	M
receiver.proxyValue for UEN	1 to 35 digits and uppercase letters A-Z	35	M
receiver.proxyValue for NRIC	First letter S, T, F, G, or M, followed by 7 digits, then an uppercase check letter	9	M
receiver.proxyValue for VPA	1 to 21 characters from +, #, digits, and uppercase letters A-Z	21	M
receiver.address	SWIFT	35 chars x 3	O

PAYNOW_GIRO

VPA is not a valid receiver.proxyType for PAYNOW_GIRO.

field	pattern / charset	max length	mandatory/optional
customerReference	SWIFT	16	M
paymentDetails	SWIFT	140	O
receiver.name	SWIFT	140	M
receiver.proxyType	MOBILE or UEN or NRIC		M
receiver.proxyValue for MOBILE	+ followed by 1 to 15 digits	16	M
receiver.proxyValue for UEN	1 to 35 digits and uppercase letters A-Z	35	M
receiver.proxyValue for NRIC	First letter S, T, F, G, or M, followed by 7 digits, then an uppercase check letter	9	M
receiver.address	SWIFT	35 chars x 3	O

ACT

Also known as IFT (Internal Funds Transfer) or Book Transfer.

The receiver.bank is not required because it's a transfer within the same bank (OCBC).

field	pattern / charset	max length	mandatory/optional
customerReference	SWIFT	16	M
paymentDetails	SWIFT	140	O
receiver.name	SWIFT	35	M
receiver.bankAccountNumber	Alphanumeric	34	M
receiver.address	SWIFT	35 chars x 3	O

MEPS

field	pattern / charset	max length	mandatory/optional
customerReference	SWIFT	16	M
paymentDetails	SWIFT	140	O
bankChargeBearer	SENDER or RECEIVER or SHARED		O
receiver.name	SWIFT	35	M
receiver.bank	BIC11	11	M
receiver.intermediaryBank	BIC11	11	O
receiver.bankAccountNumber	Alphanumeric	34	M
receiver.address	SWIFT	35 chars x 3	O

TT

field	pattern / charset	max length	mandatory/optional
customerReference	SWIFT	16	M
paymentDetails	SWIFT	140	O
bankChargeBearer	SENDER or RECEIVER or SHARED		O
receiver.name	SWIFT	35	M
receiver.bank	BIC11	11	M
receiver.intermediaryBank	BIC11	11	O
receiver.localRoutingIdentifier	Alphanumeric	35	O
receiver.bankAccountNumber	Alphanumeric	34	M
receiver.address	SWIFT	35 chars x 3	M
receiver.address.country	uppercase ISO country code	2	M