Что такое платежные инструкции BEN, SHA, OUR? Печать
Когда вы делаете международный банковский перевод, вы можете выбрать, кто будет оплачивать комиссию за перевод.
BEN, SHA, OUR — коды в SWIFT-инструкции, в поле 71A «Details of Charges».
- OUR инструкция означает, что вы оплачиваете все расходы по переводу. Мы получаем все ваши платежи.
- SHA (shared) означает, что вы оплачиваете только комиссию за исходящий перевод вашего банка. Мы получаем ваш платеж за вычетом комиссии банка-корреспондента (посредника).
- BEN (beneficiary) означает, что вы не платите никаких сборов. Мы получаем ваш платеж за вычетом всех комиссий за перевод.
Все международные переводы к нам должны осуществляться с инструкцией OUR. В случае получения перевода с SHA инструкциями, нами будет зачислена сумма, полученная нашим банком по факту (поле 32A, согласно MT103 SWIFT).
Единственным исключением являются платежи ЕС в евро (переводы SEPA), которые можно осуществить с инструкцией SHA.
Инструкции по оплате комиссии в банковских переводах (SWIFT)
Производя оплату услуг банковским переводом (международный платеж в системе SWIFT), можно установить, за чей счет будут оплачены банковские комиссии. Для этого необходимо в платежном поручении, в поле 71А «Детали платежа»(Details of Charges), поставить отметку: BEN, OUR или SHA.
Важно! В переводах для оплаты услуг или пополнения счета в биллинге SIM-NETWORKS обязательно ставьте отметку OUR в деталях платежа, чтобы отправляемые средства поступили на счет SIM-NETWORKS в полном объеме.
Отличия BEN, OUR, SHA:
BEN – оплата всех комиссий производится из суммы перевода. Сумма перевода, которая придет получателю, будет меньше отправляемой суммы, поскольку из перевода вычитаются комиссии всех задействованных банков.
OUR – оплата всех комиссий производится за счет отправителя, перевод приходит получателю в полном объеме. А средства для оплаты комиссий списываются со счета отправителя, сверх суммы перевода.
SHA – оплата комиссий производится совместно, отправитель перевода оплачивает комиссии своего банка, а комиссии остальных банков оплачиваются за счет получателя (вычитаются из суммы перевода). Сумма перевода, которая придет получателю, будет меньше отправляемой суммы, поскольку из перевода вычитаются комиссии банков.
Payment Fees – The Difference Between BEN, OUR and SHA 11
The sending bank and receiving bank in a payment transaction may charge a fee for processing the payment. Within each payment specific codes are used by the sending bank to understand how any payment charges or payment fees should be handled.
If you’re sending money abroad, you will be asked how you want any transaction fees to be managed. Here is what you need to know.
The Difference between BEN, OUR, SHA
- BEN (BENeficiary) –
- The Payee (recipient of the payment) will incur all of the payment transaction fees
- Typically, the recipient will receive the payment minus the transfer charges
- The Payer (sender of the payment) will bear all of the payment transaction fees
- Normally you will be billed separately for the payment transfer
- The beneficiary will receive the full amount of the payment
- The Payer (sender of the payment) will pay all fees charged by the sending bank
- You will be billed separately for the payment transfer
- The recipient will receive the payment minus any correspondent /intermediary fees
Where to Indicate Payment Fees
If you’re submitting the payment via an App, internet banking or a paper form you’ll select one of the above options from a drop down list. But if you’re generating the payment within your ERP system, here’s where you specify this information:
MT101 – Field 71A: Detail of Charges
In the MT101, specify the appropriate value in field 71 (detail of charges) as follows:
- :71A:BEN
- :71A:OUR
- :71A:SHA
PAIN.001 – Charge Bearer: <ChrgBr>
In the PAIN.001, specify the appropriate below value in the Charge Bearer <ChrgBr> tag
- CRED –
- The Payee (recipient of the payment) will incur all of the payment transaction fees
- The Payer (sender of the payment) will bear all of the payment transaction fees
- The Payer (sender of the payment) will pay all fees charged by the sending bank
- The Payee (recipient of the payment) will pay all fees charged by the receiving bank
- As above, (same as SHAR) – the only option available for SEPA credit transfers
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11 thoughts on “ Payment Fees – The Difference Between BEN, OUR and SHA ”
Hi,
You have shared a great deal of info. I have a query, I have recently swift transferred 13,200 Euros to a bank in Indonesia from my Indian bank account, my banker did the transaction via SHA and the beneficiary received only 12,185 Euros. Now the beneficiary is asking me to pay the balance 1,015 Euros – stating that due to SHA the money is lost in between. Could you please help me understand this.Hi Shailendra,
Legally speaking you are not obliged to pay 1,015 Euros to your beneficiary. It is quiet evident from your comment that charge type selected as “SHA” by your bank while transferring.I believe that your statement is incorrect. If the amount invoiced was 13,200 and the amount received was 12,185, the invoice has not been paid. It is up to the payer to determine how to send the payment in order to settle the full invoice.
Legally, it is option to the beneficiary to start court action to retrieve the outstanding balance.
What should have happened was that the bank should have been instructed by the sender to use OUR as the payment instruction. This may be the fault of the sender or the fault of the bank, but it is not clear that the beneficiary agreed to accept a reduced amount and they are fully entitled to want to be paid the full amount of the invoice. They could, for example, have paid in cash or via a credit or debit card, or even Western Union or PayPal without charges being accrued by the beneficiary.
I think the elephant in the room is:
How did 13,200 EUR become 12,185 EUR 1,015 EUR is one heck of an intermediary/transaction fee.
My opinion- EUR 1015 is big amount if the bank select SHA option as charges. It quite weird the agent/ intermediary charge this big amount. Please check your advice/ remittance slip whether the instructing bank charge you EUR 13200 or 12,185. If they debit your account EUR 13200, u can ask your bank to check what happen to the EUR1015?
Hello guys, I need a serious sender of MT103 direct, Plus or Manual download. Receiver is ready. Contact me via : tracyallen358@gmail.com
Hi Team,
I have same query on Charge type : SHAWhat if there is an overseas payment and to complete the payment there are 3 more intermediary banks involved between Payer bank and Payee bank. All those 3 Intermediary banks has specific charges to process the payment.
Now in case of charge type – SHA, who will bear the charges charged by those 3 Intermediary bank.
If anyone has any document to go through on SWIFT payments, please share – bhoir.pradeep110792@gmail.com
Hi, What is the pain001 equivalent tag for Field 71F (Sender Charges) ?
Can someone assist?In case of (our) who will bear the cost of ordering bank ?
If it is on the same bank then it should take it from payer from the beginning?This kind of charge looks like a double conversion charge. This has happened a few times with a customer who paid in USD, it got converted into GBP then back into USD along the way. These banks are playing silly fuckers and taking money where they want… Whole banking system is a joke and the sooner we get change the better… get these old boomers out of the finance system.
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What are BEN, SHA, OUR payment instructions?
When you make an international wire transfer you can choose who pays the transfer charges.
BEN, SHA, OUR are codes in a SWIFT instruction, at field 71A «Details of Charges».
- OUR instruction means you pay all transfer charges. We receive all your payment.
- SHA (shared) means you only pay your bank’s outgoing transfer charge. We receive your payment minus the correspondent (intermediary) bank charges.
- BEN (beneficiary) means you do not pay any charge. We receive your payment minus all transfer charges.
We require all international transfers to us to be made with the OUR instruction. In case of receiving a transfer with SHA instructions, we will credit the amount actually received by our bank (field 32A, according to MT103 SWIFT).
The only exception is EU-payments in EUR (SEPA transfers) which can be made with SHA instruction.
- The Payee (recipient of the payment) will incur all of the payment transaction fees