Information about formats
Initiation and reporting formats within Rabo Business Banking, Rabo Direct Connect (RDC) and SWIFT FileAct, you can exchange files between your own systems and those of Rabobank. Below you will find more information about the standardized formats.
Initiation of payment and direct debit files
This section provides information about all supported initiation and reporting formats. With these formats you are able to exchange information between your own systems and the Rabobank systems.
Starting in November 2025, SWIFT will migrate from the current MT format to a new global ISO20022 standard for the exchange of financial messages. This will impact the initiation of Cross Border payments and the overall reconciliation process. The new standard offers more details and flexibility and is more richly structured, providing new opportunities for reporting, compliance, and automation. This applies to banks, accounting software and ERP providers, as well as our business clients (mostly host-to-host users). These parties will all need to prepare for this change by adapting their systems and (reconciliation) processes.
Rabobank has started the impact analysis and is currently preparing the migration strategy and related planning. More detailed information will be published on this website during the fourth quarter 2024. In the meantime, if you have any questions please send an email to ISO20022@rabobank.nl.
For Rabo Business Banking Professional, RDC and SWIFT FileAct.
As per March 18th, 2024 Rabobank accepts these new Pain file formats for (batch) payment initiation. From March 18th 2024, new versions of the import formats for payments and direct debits will be supported by our Rabo Business Banking, Rabo Direct Connect and SWIFT FileAct systems. The European Payment Council 2023 Rulebooks require support of the new 2019 versions of the XML import formats
For Rabo Business Banking Professional, RDC en SWIFT FileAct
This format is based on the pain.001.001.03 standard and supports different type of payments:
This format is used in Germany for SEPA Credit Transfers and can be used in addition to the pain.001.001.03.
The format is applicable to Rabobank NL-accounts and Rabo Network Banking accounts.
This is the format used for SEPA Direct Debits. You can use this format with all Dutch banks.
Pain.002.001.03 – Status information (rejected payments and direct debits)
Applicable to Rabo Business Banking, Rabo Direct Connect and SWIFT FileAct
This format provides status information on rejected SEPA payments and direct debits, urgent domestic europayments, urgent europayments, worldpayments (payments outside the SEPA area) and multibank payments.
Why choose pain.002?
Use pain.002 to gain insight in rejected transactions after importing an PAIN format.
Is your software ready?
Please contact your software vendor to determine whether your software supports the format you would like to use.
Pain.002.001.03 – Status information (accepted payments)
Applicable to Rabo Direct Connect and SWIFT FileAct
This format provides status information of accepted and processed SEPA payments. This format is called the ‘positive pain’ format.
Is your software ready?
Please contact your software vendor to determine whether your software supports the format you would like to use.
These files are used to provide information about the processed transactions on your account. These files can be downloaded from Rabo Business Banking (Pro) and imported in your own systems.
Which format should I use?
There is some diversity when it comes to reporting formats. Below you will find a description per format. With that description you will find information which should help you make an informed decision about which format best suits you.
CAMT.053.001.02 - Statement
This format contains information about processed transactions and the balance on your account. It contains only information over closed book dates (end of day).
Why choose CAMT.053?
Advantages
Possible disadvantages
SWIFT MT940 Structured - Statement
For Rabo Business Banking Professional, RDC and SWIFT FileAct.
This format contains information about processed transactions and the balance on your account. It contains only information over closed book dates (end of day).
When do you choose MT940Structured?
Possible advantages
Possible disadvantages
CSV – Statement / Intraday report
For Rabo Business Banking Professional.
This format contains information about processed transactions on your account (End of day and intra-day).
When do you choose CSV?
CSV Credit card
This format shows credit card transactions which are made with credit cards issued from 12th of Februari 2020.
CSV Cost overview
This format contains an overview of the incurred business payment costs and fees.
CAMT.052.001.02 – Intraday report
For Rabo Business Banking Professional, RDC and SWIFT FileAct.
This format contains information about processed transactions on your account during the business day (intraday).
MT942 Structured – Intraday report
For Rabo Business Banking Professional, RDC and SWIFT FileAct.
This format contains information about processed transactions on your account during the business day (intraday).
When do you choose MT942S
Transaction type codes
For Rabo Business Banking Professional, RDC and SWIFT FileAct.
In the document below you will find a description of the transaction type codes used in the reporting of the downloadformats (only CAMT and MT formats).
Applicable to Rabo Business Banking, Rabo Direct Connect and SWIFT FileAct
This format is based on the ISO 20022 standard and support Sepa Direct Debit and Sepa Credit Transfer.
CSV
Use these formats to update your address directory for payments in Rabo Business Banking (Pro).
We hereby give you a few tips:
It is important that your formats adhere to the Rabobank specifications. This will prevent rejections from occurring during the processing of your payments.
In our test portal it is possible to test your files.