Bank statement Camt ISO 20022 Switzerland (Banana+)

Requirements

To use this extension, Banana Accounting Plus is required.

Characteristics

This import extension differs from the generic ISO20022  import by the following specifics:

• It follows Swiss specifications
• It is possible to choose which movements to import (all movements, only credits, or only debits).
• The QR reference number (old PVR) is entered in the description of the transaction.
• It is possible to extract the invoice number from the QR reference number (old PVR). See Parameter Settings .
  The extracted invoice number will be saved in the Invoice column.
• It is possible to choose whether to extract the customer account from the QR reference number (old PVR). See Parameter settings
  The extracted customer account will be saved as an account/category or cost center based on the parameters chosen by the user.
• It is possible to disable the entry of the counterpart in the recording. See Parameter settings.

Invoice pairing

This extension works in conjunction with Swiss QRCode invoice printing, see:

• Invoice Layout Extension [CH10].
• QR-Code customisation
• Payment records

Installing extension

To install the extension, proceed as follows:

From the Menu Extensions > Manage extensions > Online > Import > select the extension Bank statement Camt ISO 20022 Switzerland (Banana+) > Install button.

Extension parameter settings

With these settings, it is possible to define which movements to import and specify if and how to automatically extract the invoice number and customer number, inserting them into the respective columns of the Transactions table.
The extension's parameters are necessary to electronically record the movements of invoice payments.

To access the extension's parameters, proceed as follows:

• Open the accounting file where you want to import the movements.
• Access the parameters extension :
  • From the Actions Menu > Import to accounting, select the Bank statement Camt ISO 20022 Switzerland (Banana+) extension  >and select the Settings button
  • Or from the Actions menu > Import to accounting > Manage extensions > select the Bank statement Camt ISO 20022 Switzerland (Banana+) extension then select the Settings button
  • From the Extensions menu > Manage Extensions > select the Bank statement Camt ISO 20022 Svizzera (Banana+) > Settings button.

In the following image, the default parameters are shown.

Add contra account transaction

If this option is enabled, the extension will enter a contra account entry with the total amount of the details for movements with details. 

The [CA] symbol appears in the clearing account and the corresponding account number must be entered manually. 

If this option is deactivated, no contra account entry is made.

Import transactions

It is possible to choose which movements to import by selecting an option from the following:

• All.
  Import all movements.
• Credits.
  Import only credits (incoming movements).
• Debits.
  Import only debits (outgoing movements).
  
  

Extract invoice number from ISR reference

The reference number contains the invoice number. More information: SCOR Reference and QR Reference.

To extract the customer's invoice number from the reference number, proceed as follows:

• Check the box Extract customer invoice number from reference number
• If the reference number was created by the Banana Accounting Plus program:
  • Check the box Use Banana format.
  • The fields 'Start Position,' 'Number of Characters,' and 'Function' are not to be used.

• If the reference number was created with other invoicing systems:
  • The 'Use Banana format' checkbox should not be checked.
  • In the Start Position field, indicate the position of the first character where the invoice number starts within the reference number.
  • In the Number of Characters field, indicate how many characters the invoice number is composed of.
  • Alternatively, instead of indicating position and number of characters, you can specify a JavaScript function in the 'Function' field that extracts the invoice number. For example: (function(text) {return text.substr(10,5);}). Note: the string must contain the initial and final round brackets.
     

 The extracted invoice number is saved in the 'Invoice' (DocInvoice) column of the Transactions table.

Extract customer account from ISR reference number

The reference number contains the invoice number. More information: SCOR Reference and QR Reference.

To extract the customer account from the reference number, proceed as follows:

• Check the box Extract customer account from reference.
• If the reference number was created by Banana Accounting Plus program:
  • Check the box Use Banana format.
  • The fields 'Start Position,' 'Number of Characters,' and 'Function' are not to be used.
  • If using balance sheet accounts as customer accounts, leave the Cost center for customer accounts parameter empty. 
    Otherwise, if cost centers are used as customer accounts, indicate the cost center used (Cc1, Cc2, Cc3).
  • Check the box Keep Initial Zeros if the customer account starts with one or more zeros.
    
    
     
• If the reference number was created with other invoicing systems:
  • The 'Use Banana format' checkbox should not be checked.
  • In the Start Position, indicate the position of the first character where the customer account starts within the reference number.
  • In the Number of Characters field, indicate how many characters the customer account is composed of.
  • If using balance sheet accounts as customer accounts, leave the Cost Center for Customer Accounts parameter empty. 
    Otherwise, if cost centers are used as customer accounts, indicate the cost center used (Cc1, Cc2, Cc3).
  • Alternatively, instead of indicating the position and number of characters, you can specify a JavaScript function in the 'Function' field that extracts the invoice number. For example: (function(text) {return text.substr(10,5);}). Note: the string must contain the initial and final round brackets.
  • Check the box Keep initial Zeros if the customer account starts with one or more zeros.
    
    
     

The extracted customer account is saved in the Account/Category or cost center (Cc1/Cc2/Cc3) column of the Transactions table.

For example, if by mistake, balance sheet accounts are used as customer accounts and Cc1 is indicated in the 'Cost Center for Customer Accounts' field, the respective balance sheet account will be treated as a cost center and reported in the Cc1 column of the 'Transactions' table with a negative sign in front, for example: -110001. In this case, it is sufficient to set the parameters correctly and repeat the operation.

Swiss Specifications

Specifications for the use of ISO 20022 have been issued for the Swiss banking system.
Formats have been standardized as follows: 

• camt053: (Standard Account Statement with IBAN)
  • QR-Invoice using the IBAN account.
  • Electronic statement with all transaction details (debits and credits). Is it possible to utilize it for invoicing with the normal IBAN account and with the SCOR type reference number, in order to automatically record both debits and credits through the use of automatic completion rules for transactions.
  • If payments are received into the special QR-IBAN account, the total amount of daily receipts received into the special QR-IBAN account (without details) will also be available daily.
• camt054 Special Account Statement QR-IBAN)
  • QR-Invoice using special QR-IBAN.
  • This is the account statement with only incoming payments to the special QR-IBAN account (Only credits invoiced with the QRR reference number will be included).
• camt052: Account Report:
  • Only used in special situations, to monitor transactions for a specific day. 
     

Integration between camt054 and camt053 statement

Those who collect payments via QR-IBAN can use the camt054 XML file to automatically import and record incoming payments. At the same time, they can import the entire electronic bank statement using the camt053 XML file.

Functioning of the camt054 and camt053 XML files:

• The camt054 XML file contains only the payment details for each customer (e.g., if we receive two invoices from two different customers, we will have one transaction per invoice upon import, for example CHF 100.00 each).
• The camt053 XML file, on the other hand, reports the total daily credit, without details (e.g., we receive two invoices of CHF 100 each, but the import will show a single incoming transaction of CHF 200, without any reference to who made the payments).
• Payments received into the QR-IBAN account, imported via the camt054 XML file, are transferred daily to the associated IBAN account (bank account present in the chart of accounts).

Problem: If both XML files (camt054 and camt053) are imported into the bank account ledger, the same credit is recorded twice: once with the details of individual payments (camt054) and once with the total daily amount (camt053). This results in duplication of credited amounts.

There are two possible solutions

• Use a clearing account.
• Manually delete the global credits present in the camt053 file.

Below is the procedure for using the clearing account, designed to avoid manually deleting duplicate credits and consequently prevent accidental deletion of other accounting tarnsactions.

Solution: use of the clearing account

To avoid duplicate credits, a clearing account is used.

The transfer account serves:

• As an intermediary account to record receipts in both camt054 and camt053 formats.
• To record incoming payments to the QR-IBAN.
• To transfer payments to the IBAN account.

To avoid double entries, a procedure similar to that used for credit cards is followed:

• Preparing the chart of accounts
  • Create the main bank account (e.g., 1020, IBAN account)
  • Create the transfer account for the QR-IBAN (e.g., 1021, QR-IBAN account)
• Importing the camt054 file (QR-IBAN receipts)
  • Import the camt054 XML file by selecting the transfer account (QR-IBAN) as the import bank.
  • Complete each entry by indicating the corresponding customer account as the CA counterpart.
• Importing the camt053 file (IBAN bank statement)
  • Import the camt053 XML file by selecting the bank account (IBAN) as the import bank.
  • Complete each transaction by indicating as CA counterpart:
    • the account to which the transaction refers for detailed debits and credits
    • the clearing account (QR-IBAN), for global credits without detail, i.e., the total amount generated from customer credits

In the example, the account card of account 1021 (bank with QR-IBAN) shows:

• In the Debit column, the detailed payments from each customer (camt054).
• In the Credit column, the reversal of the global credit that clears the clearing account.

In the example, the account card of account 1020 (bank with IBAN) shows:

• In the Debit column, the global payments from the camt053 file.

In the balance sheet, after import:

• The clearing account must have a zero balance.
• The bank account (IBAN account) must show the global receipt.
• The individual payments will be recorded in the customer sub-ledger.

Related documents:

• Closing Invoices

Entering supplier account and invoice number

Unlike customer invoices, it is not possible to automatically extract the supplier's invoice number from the reference number, as its structure varies from one supplier to another. Each supplier independently defines the structure of their reference number, making standardised recognition impossible.

However, it is possible to automatically assign the supplier account using the Rules, but the invoice number must be entered manually for each transaction. To simplify the entry, you can use the F2 command or double-click in the Invoice column: a list of the selected supplier’s open invoices will open, allowing you to choose the correct one.