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Payment Formats in the United Kingdom
This blog aims to help users matching SAP Payment Formats with UK bank payment schemes.
This article covers an overview of SAP-delivered Payment Formats for the UK market. Moreover, there are examples, how templates of SAP Payment Formats can be used to meet bank-specific requirements.
Firstly, the table of the most common interbank payment schemes used in the UK. Click on the hyperlinks to find all sources.
| INTERBANK PAYMENT SCHEME | DESCRIPTION |
| BACS | Transfer 2-3 days |
| Limit value £20m or £999m depends on conditions | |
| CHAPS | Transfer within seconds on working days excluding banks holidays |
| Non-limit value | |
| FASTER PAYMENT | Transfer within 2 hours |
| Limit £250 000 | |
| SWIFT | Transfer 2-5 days on average |
| Non-limit value | |
| SEPA – Single Euro Payments Area | Transfer 1-2 banking days |
| Value limit depends on participants |
Then, there is a list of SAP-delivered Payment Formats localized for the UK.
| SAP PAYMENT FORMAT in the UK | FILE OUTPUT | COMMENT |
| GB_BACS | Flat File | BACS Standard 18 specifics |
| GB_CGI_XML_CT GB_CGI_XML_DD | XML | ISO 20022 & |
| CGI – The Common Global Implementation | ||
| GB_MT101 | Flat File | Outgoing Credit transfers |
The last table is describing a few examples, how SAP-delivered Payment Formats can be used with a particular bank.
| BANK | INTERBANK PAYMENT SCHEME | SAP PAYMENT FORMAT in the UK |
| HSBC UK | BACS | GB_BACS |
| FASTER PAYMENT | GB_CGI_XML_CT GB_CGI_XML_DD | |
| Lloyds Bank | BACS | GB_BACS |
| Barclays Bank | BACS | GB_BACS |
| * MT103 | ||
| SEPA Direct | GB_CGI_XML_CT GB_CGI_XML_DD | |
| The Royal Bank of Scotland | CHAPS | GB_CGI_XML_CT GB_CGI_XML_DD |
| GB_MT101 | ||
| International Payment | GB_MT101 |
*Note, that SWIFT MT103 is not directly provided as SAP-delivered Payment Format for the UK market but there is a general template MT103 that can be adjusted. Find detailed explaining how to Create, Copy, Delete & Release in Map Payment Format Data in this article. In order to see all the payment formats available in Fiori Map Payment Format Data application, follow this link.
In case you face any issues with the Payment Formats feel free to raise an incident on
FI-AP-AP-B1 component or if you have a generic question to the mapping tool raise the incident to CA-GTF-CSC-DME.
Find out more details about UK payment formats and statements for SAP S/4HANA Cloud 1811 in the App Documentation.
List of all Payment Medium Formats for SAP S/4HANA Cloud link
Have you found this blog useful? Do SAP-delivered Payment Formats match with your house bank requirements for Payment file transmission? Please, let us know your experience in the comment section below to enhance our services.
Useful overview. Thanks for putting this together.
For completeness, I would add SEPA for EUR payments to vendors with bank accounts in Eurozone countries.
Hello Hugo,
thank you for your comment. I've added missing information about SEPA.
Would you like to share your experience using SAP Payment Formats? Do they match with your bank requirements perfectly or you needed to make your own modifications?
I am looking forward to your reply,
Tereza Čtvrtníková
Where can I find/download the layout GB_CGI_XML_CT
Where can I find/download the layout GB_MT101?
Dear Oleg,
GB_MT101, GB_CGI_XML_CT and GB_CGI_XML_DD are DMEEX-based trees and formats which are available only on S/4 HANA systems. This is not mentioned in the blog. For MT101 on lower releases you must use the non-DME MT101 which works with Payment Medium Workbench events only.
Kind regards,
Ondrej Zatopek
SAP Development