What's changing

How it's changing

Returns from clearing – RTGS

Payment returns from RTGS clearing will be automatically applied back to your account.
The return narratives will display the return reason. The return transaction will have a reference of the original transaction to aide reconciliation.

New Purpose of Payment Code – RTGS

A new purpose of payment code is being introduced:

  • POR19 – Purchase of goods or import.

This code should be used when purpose of payment is to purchase goods or pay for imports.

J.P. Morgan Transaction Reference Number – RTGS

The new reference number format will be 12 alphanumeric characters with no fixed values. This replaces the current 12-character format that has the first two characters fixed as ‘FT’ followed by 10 alphanumeric characters.
This will be reflected on your balance and transaction reports as well as your account statements.

Transaction Narrative – RTGS

The narrative structure will be enriched as below.

Example of MT940 Incoming RTGS Receipt

Existing Format

:61:2603180318CR862500,00NTRFNONREF//FT26076VBY5L
Incoming SARIE Transfer -195
:86:/OCMT/SAR862500
/ORDP/ABCD TECH LTD RIYADH/REMI/INTR8403495834970594523S32453932

Tag 61:
  • Current JPM Riyadh payment reference is 12 alphanumeric prefixed with FT
Tag 86:
  • /ORDP/ Sender name
  • /REMI/ - Remittance information – same as /URI/

New Format

:61:2512011201CR862500,00NTRFNONREF//J57SJ5QW50X6
Incoming SARIE Transfer -195
:86:/OCMT/SAR862500/URI/INTR8403495834970594523S32453932/ORDP/ABCD TECH LTD TOP FLOOR MAIN ROAD RIYADH
/FROM/RHJISARIXXX/RJHI260417141384

Tag 61:
  • Incoming reference aligned to same 12‑character CBPR+ format
Tag 86:
  • /ORDP/ Sender name & address
  • /URI/ - Unstructured remittance information
  • /FROM/ - Debtor Agent

Example of MT940 Outgoing RTGS Payment

Existing Format

61:237489352DR452,62NTRFRER0106355624//FT2607634SFQ
Auto Outgoing SARIE Transfer -495
:86:/OCMT/SAR25,05,//ORDP/RAINBOW FOODS PVT LTD
RIYADH051858 SA/11553
/REMI/INTR8403495834970594523S32453932

Tag 61:
  • JPM Riyadh payment reference is 12 alphanumeric characters, prefixed with FT
Tag 86:
  • Contains limited information sets:
  • /OCMT/
  • /ORDP/ (beneficiary name embedded in free text)
  • /REMI/ - Remittance information – same as /URI/

New Format

:61:237489352DR452,62NTRFRER0106355624//HL4XC60648GK
Auto Outgoing SARIE Transfer -495
:86:/OCMT/SAR25,05/URI/INTR8403495834970594523S32453932/ULTD/RAINBOW FOODS PVT LTD
/CDTR/SA1373003351007010830020 SAUDI COMPANY AddL1 C AddL2/ULTB/
MANAGERFLOOR 39 MOUNT ROAD/TO/FABMSARIXXX/PURP/POR01/ROC/E95
7260317104444/gc2260317104514

Tag 61:
  • JPM Riyadh payment reference remains 12 alphanumeric characters
Tag 86:
  • /ORDP/ Sender name & address
  • Additional data elements included in the narrative
  • /URI/ - Unstructured remittance information
  • /CDTR/ - Provides IBAN and Creditor details
  • /ULTB/ - Ultimate Beneficiary
  • /TO/ - Creditor Agent
  • /PURP/ - Purpose code

Narrative Comparison
MT940, Tag 86 – Ordering of information from RTGS payment/receipt

Existing Format - Incoming Receipt

Tag 86:
/OCMT/<InstrdAmt> + /CHGS/Ccy, Amount (if present) + /EXCH/Exchange rate (if present)
/ORDP/ + Ordering Party
/REMI/ - Payment Details (ROC & URI tags are part of this code word for ISO payments)

Existing Format – Outgoing Payment

Tag 86:
/OCMT/<InstrdAmt> + /CHGS/Ccy, Amount (if present) + /EXCH/Exchange rate (if present)
/BENM/+Beneficiary Bank F/O Beneficiary
/REMI/ - Payment Details (ROC & URI tags are part of this code word for ISO payments)

New Format - Incoming Receipt

Tag 86:
/OCMT/<InstrdAmt>
/CHGS/<Charges> (if present)
/Instructed Currency and Amount/Credit Currency and Amount AT FX Rate Applied FXC/N Contract Number
/URI/<UstrdRMTINF> (if available)
/ORDP/Account, Name, Address
/ULTD/Name, Address (if available)
/ULTB/Account, Name, Address
/FROM/Debtor Agent BIC ( if available)
/PURP/<Purposecd>
/ROC/<E2EID>
/RELID/Related remittance Id (if available)
/SRI/<StrtdRMTINF> (if present)

New Format – Outgoing Payment

Tag 86:
/OCMT/<InstrdAmt>
/CHGS/<Charges> (if present)
/Instructed Currency and Amount/Credit Currency and Amount AT FX Rate Applied FXC/N Contract Number
/URI/<UstrdRMTINF> (if present in orginal ICDT then copy content as received)
/ULTD/Name, Address (if present)
/Cdtr/Account, Name, Address
/ULTB/Account, Name, Address (if present)
/TO/Creditor Agent BIC ( if available)
/PURP/<PaymentPurposeCode> /ROC/<E2EID>
/RELID/RelatedRemittanceInformation
/SRI/<StrtdRMTINF> (if present)

24/ 7 Initiation – SADAD bill payment

SADAD payments will be supported 24 hours a day, seven days a week, with the exception of any scheduled downtime periods.

Transaction Narrative – SADAD

The narrative structure will be enriched. We’ll provide more information as it becomes available

Enhancement of functionalities available on J.P. Morgan Access® – RTGS

See J.P. Morgan Access changes for RTGS here

Enhancement of SADAD bill payment initiation on J.P. Morgan Access®

See J.P. Morgan Access changes for SADAD here

Introduction of validations on Host-to-Host files and API

See Access changes for H2H and API here