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Creditors offering credit transfers must take into account some guidelines on personalisation and printing of the transfer forms they send to their customers. The format and characteristics of a credit transfer form must be strictly respected.
Scanners of banks cannot (anymore) automatically read incorrectly personalised forms. In such a case, banks will process the form manually, but there is also a chance that the form will be rejected and sent back to the customer. This may result in a delay of the payment.
This may be, for example, an incorrect entry of the invoice amount in the box designated for the transfer amount.
It is also prohibited to place a QR code on a credit transfer form, even in an apparently empty zone. If suppliers want to use such a code, they should place it on the letter accompanying the credit transfer form and not on the form itself.
Customers who receive invoices with a structured communication must include this in their credit transfer orders.
Format on paper: from left to right 3 “+”, the structured message (3 digits and 1 slash, 4 digits and 1 slash and 5 digits (of which the last 2 digits form the check digit)) and 3 “+” ( +++123/1234/12345+++) Digital format: 12 digits (123456789012).
Each addition in the communication field turns a structured communication credit transfer order (OGM) into a free communication credit transfer.
The check digit is the modulo 97 (remainder of division by 97) of the 10 previous digits, but if the remainder is 0, then 97 is used as the check digit.