SAP Note

920427 - IBAN Sweden, maintain bank master data

Component: CA-BK (Bank), Version: 3, Released On: 14.09.2007

Symptom
The correction from Note 857036 already exists in the system, but no IBAN can be generated from a bank and account number and no bank
and account number can be generated from an IBAN.

Other Terms
IBAN Sweden, bank number

Reason and Prerequisites

The rule for the structure of an account number and also the bank number (clearing number) in Sweden is very variable and depends on
the individual banks.
In some cases, a bank has several types of account numbers and branch numbers with different structures and lengths.
In addition, the bank number can be a fixed part of the account number, or it can be specified separately. For more detailed
information, see www.ecbs.org, under IBAN and Sweden.

Solution
The following information should help to organize Swedish bank data so that the administration of the IBAN is as problem-free as
possible. Several options are provided, so you can select one that corresponds to your previous procedure or your current plan. This
note is extended whenever necessary. Therefore, if you have problems with a Swedish IBAN that are not yet dealt with here, check
first whether you have the latest version of the note.

1. Transaction OY17 - Field checks of the countries

a) Bank key parameter (Key for the bank directory)

The specifications 1 (bank number), 3 (assigned internally) and 4 (assigned externally) can be used. Specification 1 is recommended
for Swedish company codes, and specification 4 for the rest.

b) Bank account number field

Set the length of the bank account number to 11 and the checking rule to 2 (maximum value length, numeric, without gaps).

c) Bank number field

Set the length to 5 and the checking rule to 2 (maximum value length, numeric, without gaps). Most banks in Sweden have bank numbers
(clearing numbers) with length 4, the only known exception is Förenings Sparbanken with bank numbers 80000 to 89999.
If the length of the bank number is only set to 4, the IBANs of this bank can be saved in the system, but the fifth digit of the bank
number disappears in the generated bank details. An IBAN generated from such incomplete bank data is not valid.

2. Generation of the IBAN from the bank and account number

A Swedish IBAN always contains a three-digit identifier of the bank head office and the account number. In many cases, it also
contains the branch number (clearing number). Since the assembly rules of the IBAN are bank-specific, the IBAN is only generated
successfully if the rules for the respective bank are known.
For problems with the generation of an IBAN, always check first whether the bank and account number were entered correctly and
whether the field checks are set correctly, as already described.

3. Generation of the bank and account number from an IBAN

The problem is the generation of a correct bank number (clearing number). Often, Swedish IBANs do not contain information about the
number of the bank branch, but only a three-digit identifier of the bank head office. Generally, the corresponding SWIFT code (BIC)
also belongs to the head office. The use of the IBAN and the SWIFT code in Sweden is therefore based on identifying the correct bank
(head office). Forwarding the payment to the branch for the account seems to be an internal matter of the respective bank.
The following two variants can therefore be used for the settings of the administration of the Swedish bank master data:

a) Complex variant

For the complex variant, it is important that many Swedish banks exist in the bank master, since the IBAN is to be assigned to a
specific branch during the generation of the bank details. This variant is therefore mainly recommended for Swedish company codes.
However, if the branch number (clearing number) cannot be determined from the IBAN , or if not all banks are maintained in the
system, Note 895009 should be implemented in the system. This allows you to manually assign a bank to an IBAN or create the bank at
the same time. Without this note, the bank details cannot be generated in such a case.
With this note, the correct bank number must be added manually to the bank details determined from the IBAN in the following cases:
(For this purpose, the missing bank number (clearing number) must be requested from the account holder)
- The Nordea Bank uses 10-digit account numbers only for bank numbers 3300 and 3782. No bank number exists in the IBAN. You must
therefore determine yourself whether the account belongs to bank number 3300 or 3782.
Examples of the IBAN of the Nordea Bank:
Without bank number - SEXX 3000 0000 00XX XXXX XXXX
With bank number - SEXX 3000 0000 0BBB BXXX XXXX
- Handelsbanken uses 8-digit or 9-digit account numbers. No bank number exists in the IBAN.
For example: SEXX 6000 0000 000X XXXX XXXX
- Sparbanken Finn and Sparbanken Gripen use 2-digit to 10-digit account numbers, no bank number exists in the IBAN. For example:
Sparbanken Finn - SEXX 9300 0000 00XX XXXX XXXX
Sparbanken Gripen - SEXX 9330 0000 00XX XXXX XXXX

Caution! The relevant SWIFT code is of no use in the cases mentioned above, as it usually belongs to the bank head office and
therefore cannot help when determining the correct branch. If it is entered simultaneously with the IBAN (possible since Note
895009), the bank head office with its bank number is automatically assigned to the IBAN, which creates incorrect bank details, just
as if one had manually entered an incorrect bank number.

b) Minimum variant

For the minimum variant, only the head offices of the banks need to be maintained in the bank master (about 20), and then you can
find the relevant bank (head office) for every IBAN by means of the clearing code, which always exists in the IBAN. However, this
variant should only be used if no Swedish domestic payments are carried out in the system, in which case not an IBAN but the number
of the bank branch (clearing number) and the account number are to be specified. But the branch number is now unknown or not always
correct.

By default, the complex variant is set in the system. If you decide on the minimum variant, change the BTE setting for the event
00003040 (described in Note 857036, point 5) from
CONVERT_IBAN_2_BANK_ACCOUNT_SE to CONVERT_IBAN_2_BANK_ACCOUNT_S2. Then change the length of the bank account number for the field
checks for Sweden (see above) from 11 to 17, since in some cases also the normally single branch number from the IBAN is also saved
in the account number field. Set the length of the bank number to 3. This corresponds with the length of the clearing code in the
IBAN.
However, if there are already banks in the bank master data that have the 4-digit bank key (and the bank number), you have to remove
these banks and generate them again with a 3-digit key.

4. Problems with the generation

If the IBAN cannot be generated, or if the bank and account number was not generated (or not generated correctly) from the IBAN:

First check whether the data that you got from your business partner is correct and complete. Bank details are complete either
with an IBAN and a SWIFT code (BIC) or with a bank and an account number. The bank number (clearing number) is contained in the
first 4 digits of 11-digit account numbers (for 2-digit to 10-digit account numbers, the bank number is usually specified
separately). A Swedish IBAN has 24 digits and must begin with the letters SE. A Swedish IBAN has 24 digits and must begin with
the letters SE. The SWIFT code has 8 or 11 digits, which should include the letters SE for digits 5 and 6, if it is a Swedish
bank.

Check whether the settings and conditions mentioned above are correct. Also check whether the corrections of Notes 857036 and
859009 have been implemented in your system.

If everything seems to be entered and set correctly, but the generation still does not work, create a customer message and
enter all information about the problematic bank details that you have: IBAN and SWIFT code ( BIC), or the name of the bank and
the account and bank number. Also describe the settings from transaction OY17 (Field checks of the countries) and other useful
details in accordance with the points mentioned above.

Manual Activities

This document refers to

SAP Note/KBA Title

857036 IBAN: Generation of the IBAN for Sweden

1556742 IBAN converter Sweden, version 2011

1129859 IBAN Sweden: Generating error

This document is referenced by

SAP Note/KBA Title

2844747 While replicating IBAN "Enter the bank key" error appears

1556742 IBAN converter Sweden, version 2011

1129859 IBAN Sweden: Generating error

857036 IBAN: Generation of the IBAN for Sweden