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Bank payment rules

Acme UOB Singapore Payments

This describes validations / allowed data formats for Acme payments going through UOB 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

General notes

The beneficiary country (receiver.address.country) is mandatory for all payment types, and must be a valid, uppercase 2-letter ISO country code (ISO 3166 Alpha-2) e.g. SG, MY, AU, US, etc.

FAST

fieldpattern / charsetmax lengthmandatory/optional
customerReferenceSWIFT35M
paymentDetailsSWIFT140O
receiver.nameSWIFT35M
receiver.bankAlphanumeric11M
receiver.bankAccountNumberAlphanumeric34M
receiver.addressSWIFT35 chars x 3O
receiver.address.countryUppercase ISO country code2M

PAYNOW

fieldpattern / charsetmax lengthmandatory/optional
customerReferenceSWIFT35M
paymentDetailsSWIFT140O
receiver.nameSWIFT35M
receiver.proxyTypeMOBILE or UEN or NRIC or VPAM
receiver.proxyValue
for MOBILE		+ followed by 7 to 15 digits16M
receiver.proxyValue
for UEN		9 to 13 uppercase alphanumeric characters13M
receiver.proxyValue
for NRIC		9 uppercase alphanumeric characters9M
receiver.proxyValue
for VPA		Mobile followed by # and 4 alphanumeric characters
or
UEN followed by UEN followed by # and 4 alphanumeric characters		21M
receiver.addressSWIFT35 chars x 3O
receiver.address.countryUppercase ISO country code2M

GIRO

fieldpattern / charsetmax lengthmandatory/optional
customerReferenceSWIFT35M
paymentDetailsSWIFT140O
receiver.nameSWIFT35M
receiver.bankAlphanumeric11M
receiver.bankAccountNumberAlphanumeric34M
receiver.addressSWIFT35 chars x 3O
receiver.address.countryUppercase ISO country code2M

ACT

fieldpattern / charsetmax lengthmandatory/optional
customerReferenceSWIFT16M
paymentDetailsSWIFT140O
receiver.nameSWIFT35M
receiver.bankAccountNumberAlphanumeric34M
receiver.address.countryUppercase ISO country code2M

MEPS

fieldpattern / charsetmax lengthmandatory/optional
customerReferenceSWIFT20M
instructionForSenderBankSWIFT140O
paymentDetailsSWIFT140O
bankChargeBearerSENDER or RECEIVER or SHAREDO
receiver.nameSWIFT35M
receiver.bankAlphanumeric11M
receiver.bankAccountNumberAlphanumeric + Dash34M
receiver.addressSWIFT35 chars x 3O
receiver.address.countryUppercase ISO country code2M

TT

fieldpattern / charsetmax lengthmandatory/optional
customerReferenceSWIFT20M
instructionForSenderBankSWIFT140O
paymentDetailsSWIFT140O
bankChargeBearerSENDER or RECEIVER or SHAREDO
receiver.nameSWIFT35M
receiver.bankAlphanumeric11M
receiver.intermediaryBankAlphanumeric11O
receiver.localRoutingIdentifierAlphanumeric35O
receiver.bankAccountNumberAlphanumeric + Dash34M
receiver.addressSWIFT35 chars x 3M
receiver.address.countryUppercase ISO country code2M

TT - SWIFT ISO20022 (CBPR+) Payment data changes

Important

  • Only applicable to organizations onboarded to UOB's CBPR+ update.
  • The following are breaking changes for TT clients migrating to CBPR+.
    • receiver.address.line1 is now required.
    • receiver.address.city is now required. City is sent as the structured town name, so it does not count against the 3 x 35 address-line limit.
  • receiver.name max length increases from 35 to 140. This is not a breaking change.
  • outgoingPurposeCode is new. It carries the UOB Creditor Purpose of Payment (POP) code and applies to TT only.
    • It is mandatory when the beneficiary bank is in China (CN), Malaysia (MY), Indonesia (ID) or Thailand (TH). UOB rejects the payment if it is missing.
    • For every other beneficiary country it is optional.
    • Acme validates the format only (TT only, alphanumeric, max 10 characters). Acme does not validate the code value.
  • See Acme UOB Singapore Creditor Purpose of Payment Codes for the code list per beneficiary country.
fieldpattern / charsetmax lengthmandatory/optional
customerReferenceSWIFT20M
instructionForSenderBankSWIFT140O
outgoingPurposeCodeAlphanumeric (UOB Creditor POP code)
Example: GDDS, SALA, GOD		10Conditional (TT only). M for beneficiary banks in CN, MY, ID or TH, otherwise O
paymentDetailsSWIFT140O
bankChargeBearerSENDER or RECEIVER or SHAREDO
receiver.nameSWIFT140M
receiver.bankAlphanumeric11M
receiver.intermediaryBankAlphanumeric11O
receiver.localRoutingIdentifierAlphanumeric35O
receiver.bankAccountNumberAlphanumeric + Dash34M
receiver.addressSWIFT35 chars x 3M
receiver.address.line1SWIFT35M
receiver.address.citySWIFT35M
receiver.address.countryUppercase ISO country code2M

Bank references

bankReference is UOB's reference for the payment. bankReferences lists every reference UOB sent, keyed by UOB's field name.

Sent asbankReferenceAvailable from
FAST, PAYNOW through UOB's APIUOB's bankReferenceUOB confirms the payment
A filenull: UOB's status files carry no reference for the payment today

Other keys in bankReferences:

  • transactionReference: your customerReference, echoed back by UOB's API.
  • ourReference: UOB's reference for the debit on your account, when Acme confirms the payment from UOB's debit notification or transaction search instead. bankReference is then set to it.

Good to know:

  • A transaction search result without ourReference leaves bankReference null.
  • For PAYNOW to an account outside UOB, the bankReference in UOB's API answer is longer: UOB's 19-character reference, 3 spaces, and a 12-character PayNow lookup reference. Acme keeps it as UOB returns it. A payment confirmed from the debit instead gets the shorter ourReference.
  • If a UOB status file does carry references, they're kept: AcctSvcrRef (UOB's own reference for the transaction), ClrSysRef (the clearing system's reference) and StsId (the id of UOB's status entry). bankReference is then AcctSvcrRef, else ClrSysRef.

A completed PAYNOW payment sent through the API returns:

{
  "bankReference": "API2026100500012345",
  "bankReferences": {
    "bankReference": "API2026100500012345",
    "transactionReference": "PYMT-2026-0001"
  }
}

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Common DefinitionsGeneral notesFASTPAYNOWGIROACTMEPSTTTT - SWIFT ISO20022 (CBPR+) Payment data changesBank references