Vad betyder alla bankkoder?

BIC: Bank Identifier Code
Det är en kod som är 8 eller 11 tecken lång och identifierar mottagarens bank. De fyra första tecknen identifierar banken, de två följande landet där banken är verksam och de två följande den stad där banken är verksam. De tre sista tecknen (om de finns) identifierar den mottagande bankens kontor eller avdelning.
BIC/SWIFT: SWIFT-adressen tilldelas en bank för att skicka automatiska betalningar snabbt och noggrant till de berörda bankerna. SWIFT identifierar namn och land, (och ibland filialen) hos den berörda banken.
EPC: European Payments Council
FCA: Financial Conduct Authority is the conduct regulator for financial services firms and financial markets in the UK.
FPS: Faster Payments Scheme
IBAN: International Bank Account Number
LEI: Legal Entity Identifier. Juridiska personer behöver en LEI-kod för att kunna handla med värdepapper.
PSD2: Payment Service Directive 2
SCT Is: SEPA Instant Credit Transfer
SEPA: Single Euro Payments Area
(Se specifikation SEPA-betalning)

Fler uttryck från bl. a. banken
ATM: Automated Teller Machine / Bankomat
B2B: Business to Business
B2C: Business to Consumer
BOD: Board Of Directors / Styrelse
CRN: Customer Reference Number
KYC: Know Your Client
NIN: National Insurance Number (UK)
PEP: Politically Exposed Persons
PoA: Power of Attorney /fullmakt
PoR: Proof of Residence /adressverifikation
PoS: Point of Sale / Point of Service
UIN: User Identification Number
UTR: Unique Taxpayer Reference (in UK 10-digit )

BEN – Beneficiary: Mottagare
Beneficiary bank: Mottagarens bank
Details of payment: Betalningsgrund

Korrespondentbank
Korrespondentbank = Correspondent bank
På en faktura kan det ibland finnas, förutom bankuppgifterna till mottagaren, uppgifter om en korrespondentbank. Korrespondentbanken berättar för avsändande bank via vilken bank betalningen ska skickas för att komma till den slutliga mottagaren. Korrespondentbankens uppgifter ska inte användas i betalningen, endast mottagarens bankuppgifter behövs.

Correspondent bank
The reasons domestic banks employ correspondent banks include limited access to foreign financial markets and the inability to service client accounts without opening branches abroad. Correspondent banks can act as intermediaries between banks in different countries or as an agent to process local transactions for clients when they are traveling abroad. At the local level, correspondent banks can accept deposits, process documentation and serve as transfer agents for funds. The capability to execute these services relieves domestic banks of the need to establish a physical presence in foreign countries.

Nostro and Vostro Accounts
The accounts held between correspondent banks and the banks to which they are providing services are referred to as nostro and vostro accounts. An account held by one bank for another is referred to by the holding bank as a nostro account. The same account is referred as a vostro account by the counterparty bank. Generally speaking, both banks in a correspondent relationship hold accounts for one another for the purpose of tracking debits and credits between the parties.