Release 2027 (pre-release) · Schema version001.05 · Active

SIVI message 14 (00556): Payment information (VB-PUO)

Message 14 contains the payment instructions for withdrawals: which amount, in which currency, to which account (IBAN and BIC of the creditor) and with which value date. The fiduciary has the payment executed and cash settlement takes place via SWIFT outside the standard.

Sender

Pension administrator (PUO) or investment administrator (BA); issue #142 asks for clarification

Receiver

Fiduciary manager (FM)

Timing

T+3, after the final NAV; the manual also says 'month-start' for the withdrawals

Arrangement

FPR model 2 (layered order model)

afdDefinitionName

VBPUO-001.05-Bericht_14._Betaalinformatie_(00556)

Message structure

Entities with cardinality [min..max] and number of attributes; click for the entity page.

chunking.default[0..1] · 4 attr.
commonFunctional.default[1..1] · 4 attr.
commonTechnical.default[1..1] · 3 attr.
- party.receiver[1..1] · 3 attr.
- party.sender[1..1] · 4 attr.
  - party.contact[0..9] · 2 attr.
document.default[0..99] · 3 attr.
party.pensionProvider[1..1] · 3 attr.
- pension.scheme[1..999] · 2 attr.
  - financialInformation.reportingPeriod[1..1] · 1 attr.
  - financialTransaction.payment[1..1] · 4 attr.
    - party.creditor[1..1] · 5 attr.

Attributes(38)

Entity	Attribute	Type	V/O	Code list	Description
chunking.default	currentChunkId	string	V		Unique reference (id) of the current chunk.
chunking.default	chunkSequenceNumber	integer	V		Sequence number of the current chunk.
chunking.default	totalNumberOfChunks	integer	V		Total number of chunks the message has been split into.
chunking.default	chunkFragmentPaths	array[string]	V		Array of JMESPath references to the message fragments used within the current chunk.
commonFunctional.default	afdDefinitionVersion	string · max 80	V	001.05	Version of the AFD-definition.
commonFunctional.default	afdDefinitionName	string · max 80	V		Name of the AFD-definition.
commonFunctional.default	originalMessageId	string · max 70	O		The messageId of the original message, which is replaced by this message.
commonFunctional.default	function	string	V	ADNFUN	Message function
commonTechnical.default	creationDateTime	string · format date-time	V		Date and time (as timestamp) when the message was created.
commonTechnical.default	messageId	string · max 70	V		Unique identification of the message. (AFD 2.0 only)
commonTechnical.default	testMessage	boolean	O		Indication whether the message is a test message.
party.receiver	refKey	string · max 70	V		Unique reference key assigned to an entity.
party.receiver	organizationName	string · max 60	V		Name of professional or branch organization.
party.receiver	rsinNumber	string · max 9	O		Governmental identification number for legal entities and associations. (AFD 2.0 only)
party.sender	refKey	string · max 70	V		Unique reference key assigned to an entity.
party.sender	applicationSenderName	string · max 60	O		Name of the application that sends the data.
party.sender	organizationName	string · max 60	V		Name of professional or branch organization.
party.sender	rsinNumber	string · max 9	O		Governmental identification number for legal entities and associations. (AFD 2.0 only)
party.contact	workPhoneNumber	string · max 60	V		Work telephone number.
party.contact	emailWork	string · max 60	V		Work email address.
document.default	refKey	string · max 70	V		Unique reference key assigned to an entity.
document.default	fileExtension	string	V	pdf \| csv \| txt	Extension of the file under which the attachment can be saved. For example "pdf", "doc", etc.
document.default	fileName	string · max 60	V		Name of the file under which the attachment can be saved.
party.pensionProvider	organizationName	string · max 60	V		Name of professional or branch organization.
party.pensionProvider	rsinNumber	string · max 9	O		Governmental identification number for legal entities and associations. (AFD 2.0 only)
party.pensionProvider	puvCode	string	V	AFDIDP	Pension provider
pension.scheme	refKey	string · max 70	V		Unique reference key assigned to an entity.
pension.scheme	pensionSchemeName	string · max 60	V		Name of the pension scheme.
financialInformation.reportingPeriod	valueDate	string · format date	V		Currency date.
financialTransaction.payment	currencyType	string	V	ISOVAL	Currency
financialTransaction.payment	amount	number · multipleOf 0.01	V		An amount.
financialTransaction.payment	description	string · max 60	V		Description.
financialTransaction.payment	collectionAccountIban	string · max 10	V		Collection account Bank Account Number (IBAN). See SEPA.
party.creditor	refKey	string · max 70	V		Unique reference key assigned to an entity.
party.creditor	collectionAccountIban	string · max 10	V		Collection account Bank Account Number (IBAN). See SEPA.
party.creditor	collectionAccountBic	string · max 10	V		Bank Identification Code (BIC) of the collection account.
party.creditor	collectionAccountInNameOf	string · max 60	V		Collection account ascription.
party.creditor	collectionAccountBicCorrespondent	string · max 10	O		BIC correspondent collection account.

Sample message

✓ Validated against schema VBPUO-001.05 · 2026-09-05

Sample source: Gegenereerd door WTP Data Lab. Values are fictitious.

{
  "commonFunctional": [
    {
      "entityType": "default",
      "afdDefinitionVersion": "001.05",
      "afdDefinitionName": "VBPUO-001.05-Bericht_14._Betaalinformatie_(00556)",
      "function": "01"
    }
  ],
  "commonTechnical": [
    {
      "entityType": "default",
      "creationDateTime": "2026-09-30T17:00:00+02:00",
      "messageId": "00556-20260930-000001",
      "testMessage": true,
      "party": [
        {
          "entityType": "receiver",
          "refKey": "RECEIVER-001",
          "organizationName": "Fiduciair Beheer Voorbeeld N.V.",
          "rsinNumber": "123456789"
        },
        {
          "entityType": "sender",
          "refKey": "SENDER-002",
          "applicationSenderName": "WTP Data Lab",
          "organizationName": "Pensioenuitvoeringsorganisatie Voorbeeld B.V.",
          "rsinNumber": "123456789",
          "party": [
            {
              "entityType": "contact",
              "workPhoneNumber": "+31201234567",
              "emailWork": "[email protected]"
            }
          ]
        }
      ]
    }
  ],
  "party": [
    {
      "entityType": "pensionProvider",
      "organizationName": "Stichting Pensioenfonds Voorbeeld",
      "rsinNumber": "123456789",
      "puvCode": "U0003",
      "pension": [
        {
          "entityType": "scheme",
          "refKey": "SCHEME-003",
          "pensionSchemeName": "Solidaire premieregeling Voorbeeld",
          "financialInformation": [
            {
              "entityType": "reportingPeriod",
              "valueDate": "2026-10-01"
            }
          ],
          "financialTransaction": [
            {
              "entityType": "payment",
              "currencyType": "AED",
              "amount": 250000,
              "description": "Voorbeeld",
              "collectionAccountIban": "NL02ABNA01",
              "party": [
                {
                  "entityType": "creditor",
                  "refKey": "CREDITOR-004",
                  "collectionAccountIban": "NL02ABNA01",
                  "collectionAccountBic": "ABNANL2A",
                  "collectionAccountInNameOf": "Stichting Pensioenfonds Voorbeeld"
                }
              ]
            }
          ]
        }
      ]
    }
  ]
}

Rules and consistency checks

party.creditor contains collectionAccountIban, collectionAccountBic and collectionAccountInNameOf; collectionAccountBicCorrespondent is optional for payments via a correspondent bank.
financialTransaction.payment contains amount, currencyType and description; the value date is in financialInformation.reportingPeriod.valueDate.
The maximum length of collectionAccountIban was corrected in July 2026 (issue #135, resolved pending release): a Dutch IBAN has 18 positions.

Pitfalls

An IBAN with spaces or in lower case falls outside the receiver's length and format expectation; deliver the IBAN contiguous in upper case.

Errors and fixes

messageId missing, empty or longer than 70 charactersSchema error on commonTechnical/0/messageId: 'must have required property' or 'must NOT have more than 70 characters'.
Duplicate messageId after acceptance (HTTP 400 with feedback)The receiver answers HTTP 400 with a feedback message (statusType 0) to a message that looks correct in content.
afdDefinitionVersion incorrect (001.04 versus 001.05)Schema error 'must be equal to one of the allowed values' on afdDefinitionVersion, or the receiver validates against the wrong schema and reports unknown fields.
collectionAccountIban invalid or too longSchema error on the maximum length of the IBAN, or a functional rejection by the fiduciary.
collectionAccountBic invalidFunctional rejection of the payment instruction.
currencyType not an ISO 4217 codeSchema error on currencyType (code list ISOVAL).

Frequently asked questions

Is message 14 a SEPA payment order?

No. It is the functional instruction to the fiduciary; the actual payment runs through the custodian's payment channel (SWIFT), outside the standard.

Change history

v1.3.0 (Release 2026): chunking.
v1.4.0 (Release 2027): JSON Schema 2020-12; correction collectionAccountIban maxLength (issue #135, pending release).

Schema file: VBPUO-001.00-Bericht_14._Betaalinformatie_(00556)_v5.json · JSON-schema (001.05) · GitHub