Describe your payment in the chat below and we build the full EKNP composite (KOD + KBE + currency + KNP) ready for both MT103 field 70 and pacs.008 <RmtInf><Ustrd>.
Tell me about the payment in plain English (or Russian / Kazakh). I'll resolve KOD, KBE and KNP and give you the field-70 EKNP composite.
Sign up to continue refining your EKNP and get the full MT103 builder.
Sign up free Log in| 11 | Central government, resident |
| 12 | Regional and local government, resident |
| 13 | Central (national) bank, resident |
| 14 | Other depository corporations (commercial banks), resident |
| 15 | Other financial corporations, resident |
| 16 | State-owned non-financial enterprises, resident |
| 17 | Non-state non-financial enterprises (private companies), resident |
| 18 | Households (individuals and sole traders), resident |
| 19 | Non-profit institutions serving households (NPISH), resident |
| 21 | Central government, non-resident |
| 22 | Regional and local government, non-resident |
| 23 | Central (national) bank, non-resident |
| 24 | Other depository corporations (commercial banks), non-resident |
| 25 | Other financial corporations, non-resident |
| 26 | State-owned non-financial enterprises, non-resident |
| 27 | Non-state non-financial enterprises (private companies), non-resident |
| 28 | Households (individuals and sole traders), non-resident |
| 29 | Non-profit institutions serving households (NPISH), non-resident |
| 11 | Central government, resident |
| 12 | Regional and local government, resident |
| 13 | Central (national) bank, resident |
| 14 | Other depository corporations (commercial banks), resident |
| 15 | Other financial corporations, resident |
| 16 | State-owned non-financial enterprises, resident |
| 17 | Non-state non-financial enterprises (private companies), resident |
| 18 | Households (individuals and sole traders), resident |
| 19 | Non-profit institutions serving households (NPISH), resident |
| 21 | Central government, non-resident |
| 22 | Regional and local government, non-resident |
| 23 | Central (national) bank, non-resident |
| 24 | Other depository corporations (commercial banks), non-resident |
| 25 | Other financial corporations, non-resident |
| 26 | State-owned non-financial enterprises, non-resident |
| 27 | Non-state non-financial enterprises (private companies), non-resident |
| 28 | Households (individuals and sole traders), non-resident |
| 29 | Non-profit institutions serving households (NPISH), non-resident |
| 002 | Commission for pension fund management from assets |
| 003 | Transfer to investment account |
| 004 | Transfer to pension payment account |
| 005 | Return of erroneously charged penalties |
| 006 | Trustee commission for pension asset management |
| 007 | Commission from investment income |
| 008 | Return of erroneously charged contributions |
| 009 | Penalty for late professional pension contributions |
| 010 | Mandatory pension contributions |
| 011 | Pension distributions from accumulation fund |
| 012 | Social contributions |
| 013 | Voluntary pension contributions |
| 014 | Pension payments from employer contributions |
| 015 | Professional mandatory pension contributions |
| 016 | Bank refund of pensioner payments |
| 017 | Penalty for late social contributions |
| 018 | Investment income |
| 019 | Penalty for late mandatory contributions |
| 020 | Withholding and return from pensions/benefits |
| 021 | Refund of erroneously charged payments |
| 022 | One-time state benefit for childbirth |
| 023 | Return of childbirth benefits |
| 024 | Transfer of voluntary pension accumulations |
| 025 | Return of 50% contributions for military/special personnel |
| 026 | Return of excess social contributions |
| 027 | Social benefit for work incapacity |
| 028 | Return of incapacity benefits |
| 029 | Transfers from local budgets |
| 030 | Transfers from republican budget |
| 031 | Bank return of erroneous payments |
| 032 | Return of erroneously charged contributions by fund |
| 033 | Pensions |
| 034 | State basic disability benefits |
| 035 | Return of disability benefits |
| 036 | State basic benefits for loss of breadwinner |
| 037 | Return of breadwinner loss benefits |
| 040 | Burial allowances and funeral benefits |
| 041 | Return of funeral benefits |
| 042 | Burial benefits for special work categories |
| 043 | Return of special burial benefits |
| 044 | State special benefits payments |
| 045 | Return of special benefits |
| 046 | Social benefit for loss of breadwinner |
| 047 | Return of loss of breadwinner benefits |
| 048 | Social benefit for job loss |
| 049 | Return of job loss benefits |
| 051 | Benefits for WWII participants |
| 052 | Benefits for WWII invalids |
| 053 | Benefits for widows of WWII participants |
| 054 | Benefits for awardees of special merit |
| 055 | Benefits for families of deceased awardees |
| 056 | Benefits for persons equated to WWII participants |
| 057 | Benefits for persons equated to WWII invalids |
| 058 | Benefits for widows of equated persons |
| 059 | Benefit for guardian of disabled child |
| 061 | Return of WWII participant benefits |
| 062 | Return of WWII invalid benefits |
| 063 | Return of WWII widow benefits |
| 064 | Return of awardee benefits |
| 065 | Return of deceased awardee family benefits |
| 066 | Return of equated participant benefits |
| 067 | Return of equated invalid benefits |
| 068 | Return of equated widow benefits |
| 069 | Return of disabled child guardian benefit |
| 071 | Benefits for Group I disability |
| 072 | Benefits for Group II disability |
| 073 | Benefits for Group III disability |
| 074 | Benefits for disabled children |
| 075 | Benefits for mothers of large families |
| 076 | Benefits for rehabilitated citizens |
| 077 | Benefits for other special categories |
| 078 | Return of voluntary contribution transfers |
| 081 | Return of Group I disability benefits |
| 082 | Return of Group II disability benefits |
| 083 | Return of Group III disability benefits |
| 084 | Return of disabled child benefits |
| 085 | Return of large family benefits |
| 086 | Return of rehabilitated citizen benefits |
| 087 | Return of other special category benefits |
| 088 | Settlement of pension fund debt |
| 089 | Employer mandatory pension contributions |
| 090 | Return of employer contribution errors |
| 091 | Child care and income loss benefits |
| 092 | Return of child care benefits |
| 093 | Return of penalty for late employer contributions |
| 094 | Return of various penalties |
| 095 | Return of excess employer contributions |
| 096 | Return of excess mandatory contributions |
| 097 | Return of excess professional contributions |
| 098 | Return of excess voluntary contributions |
| 099 | Other payments (compensation, inheritance, assistance) |
| 101 | Transfer of pension accumulations to trustee |
| 102 | Transfer of unclaimed guarantee compensation |
| 103 | One-time pension distributions for housing/treatment |
| 104 | Return of housing/treatment distributions |
| 105 | Pension payment under EEU agreement |
| 106 | Delivery of pensions to EEU workers |
| 111 | Money transfers for treatment |
| 112 | Money transfers for education |
| 113 | Distribution of targeted accumulations |
| 114 | Return of targeted accumulation distributions |
| 115 | Transfer from National Fund |
| 116 | Transfer of targeted accumulations to pension accounts |
| 117 | Return of targeted accumulations to National Fund |
| 118 | Alimony |
| 119 | Other gratuitous transfers (assistance, damages, grants) |
| 120 | Membership contributions |
| 121 | Mandatory health insurance contributions |
| 122 | Health insurance contribution payments |
| 123 | Penalty for late health insurance contributions |
| 124 | Penalty for late insurance payments |
| 125 | Return of erroneous health insurance contributions |
| 126 | Return of erroneous insurance contribution payments |
| 127 | Return of erroneous contribution penalties |
| 128 | Return of erroneous payment penalties |
| 131 | Head office financing of branches/representatives |
| 132 | Return of funds by branches to head office |
| 140 | Traveler's check operations |
| 150 | Transit transfers via correspondent accounts |
| 160 | Net position settlements |
| 171 | Guarantee deposit for participation in tenders/auctions |
| 172 | Return of guarantee deposit |
| 181 | Letter of credit operations |
| 182 | Guarantee operations |
| 183 | Unified aggregate payment |
| 184 | Return of erroneous unified aggregate payments |
| 185 | Unified payment |
| 186 | Return of erroneous unified payments |
| 187 | Penalty for late unified payment |
| 188 | Return of erroneous unified payment penalties |
| 190 | Other transfers (miscellaneous, unidentified) |
| 191 | Instant payments and individual transfers |
| 192 | Electronic money issuance |
| 193 | Electronic money redemption |
| 194 | Electronic money acquisition |
| 195 | Electronic money realization |
| 211 | Purchase of foreign currency on exchange |
| 212 | Purchase of monetary gold |
| 213 | Purchase of foreign currency off-exchange |
| 219 | Purchase of other precious metals |
| 221 | Sale of foreign currency on exchange |
| 222 | Sale of monetary gold |
| 223 | Sale of foreign currency off-exchange |
| 229 | Sale of other precious metals |
| 230 | Currency conversion |
| 290 | Other currency/metals payments |
| 311 | Demand deposit placement |
| 312 | Short-term deposit placement (up to 1 year) |
| 314 | Long-term deposit placement (over 1 year) |
| 315 | Interest on demand deposits |
| 316 | Interest on short-term deposits |
| 317 | Interest on long-term deposits |
| 318 | Interest on conditional deposits |
| 319 | Conditional deposit placement |
| 321 | Demand deposit withdrawal |
| 322 | Short-term deposit withdrawal |
| 324 | Long-term deposit withdrawal |
| 329 | Conditional deposit withdrawal |
| 331 | Cash deposit to current/correspondent accounts |
| 332 | Employer payroll transfer |
| 333 | Interest on current/correspondent accounts |
| 334 | Currency exchange proceeds deposit |
| 341 | Cash withdrawal from current accounts |
| 342 | Inter-account transfers (same bank) |
| 343 | Inter-account transfers (different banks) |
| 344 | Currency cash issuance |
| 345 | Loan withdrawal in cash |
| 346 | Check payment by bank |
| 350 | Bank's own correspondent account transfer |
| 361 | Funds placed in trust management |
| 362 | Return of trust management funds |
| 371 | Digital asset purchase |
| 372 | Digital asset sale |
| 390 | Other deposit payments |
| 411 | Short-term loan issuance (up to 1 year) |
| 413 | Long-term loan issuance (over 1 year) |
| 419 | Other loans (perpetual, other types) |
| 421 | Short-term loan repayment |
| 423 | Long-term loan repayment |
| 424 | Financial leasing |
| 429 | Other loan repayment |
| 430 | Reimbursement of previously paid expenses |
| 490 | Other loan payments |
| 510 | Purchase/redemption of non-resident shares/equity |
| 521 | Purchase of state securities, maturity up to 1 year |
| 522 | Purchase of state securities, maturity over 1 year |
| 529 | Purchase of other state securities |
| 531 | Repayment of state securities, maturity up to 1 year |
| 532 | Repayment of state securities, maturity over 1 year |
| 539 | Repayment of other state securities |
| 541 | Purchase of bills of exchange, up to 1 year |
| 542 | Purchase of bills of exchange, over 1 year |
| 543 | Purchase of deposit certificates, up to 1 year |
| 544 | Purchase of deposit certificates, over 1 year |
| 545 | Purchase of bonds |
| 548 | Purchase of other securities, up to 1 year |
| 549 | Purchase of other securities, over 1 year |
| 551 | Repayment of bills of exchange, up to 1 year |
| 552 | Repayment of bills of exchange, over 1 year |
| 553 | Repayment of deposit certificates, up to 1 year |
| 554 | Repayment of deposit certificates, over 1 year |
| 555 | Repayment of bonds |
| 558 | Repayment of other securities, up to 1 year |
| 559 | Repayment of other securities, over 1 year |
| 561 | Distributed income and dividends |
| 562 | Interest on state securities |
| 563 | Interest on non-state securities |
| 570 | Opening reverse REPO operations |
| 580 | Closing direct REPO operations |
| 590 | Other security payments |
| 610 | Purchase/redemption of resident shares/equity |
| 621 | Purchase of state securities, maturity up to 1 year |
| 623 | Purchase of state securities, maturity over 1 year |
| 629 | Purchase of other state securities |
| 631 | Repayment of state securities, up to 1 year |
| 633 | Repayment of state securities, over 1 year |
| 639 | Repayment of other state securities |
| 641 | Purchase of bills of exchange, up to 1 year |
| 642 | Purchase of bills of exchange, over 1 year |
| 645 | Purchase of bonds |
| 647 | Purchase of deposit certificates, up to 1 year |
| 648 | Purchase of deposit certificates, over 1 year |
| 649 | Purchase of other securities |
| 651 | Repayment of bills of exchange, up to 1 year |
| 652 | Repayment of bills of exchange, over 1 year |
| 655 | Repayment of bonds |
| 657 | Repayment of deposit certificates, up to 1 year |
| 658 | Repayment of deposit certificates, over 1 year |
| 659 | Repayment of other securities |
| 661 | Distributed income and dividends |
| 662 | Interest on state securities |
| 663 | Interest on non-state securities |
| 671 | Opening reverse REPO with state securities |
| 672 | Opening reverse REPO with non-state securities |
| 681 | Closing direct REPO with state securities |
| 682 | Closing direct REPO with non-state securities |
| 690 | Other security payments |
| 710 | Payment for goods (except real estate and codes 711-713) |
| 711 | Foreign goods purchase without import to Kazakhstan |
| 712 | Resale of imported foreign goods |
| 713 | Repurchase of exported domestic goods |
| 721 | Payment for real estate in Kazakhstan territory |
| 722 | Payment for real estate abroad |
| 723 | Payment for multi-apartment residential building under shared construction |
| 730 | Purchase of non-produced assets (land, software, patents) |
| 780 | Refund for non-provided goods/assets |
| 790 | Other goods and asset payments |
| 811 | Air transport services |
| 812 | Water transport services |
| 813 | Railway transport services |
| 814 | Land transport services |
| 815 | Pipeline transport services |
| 816 | Storage and warehousing services |
| 817 | Auxiliary transport services |
| 818 | Postal and courier services |
| 819 | Other transport services |
| 821 | Construction services |
| 822 | Repair and maintenance services |
| 831 | Life insurance premium |
| 832 | Life insurance payment |
| 833 | Other insurance premium |
| 834 | Other insurance payment |
| 835 | Reinsurance transfer |
| 836 | Reinsurance reimbursement |
| 837 | Insurance/reinsurance commission |
| 838 | Surrender value return (accumulation insurance) |
| 839 | Other insurance services |
| 841 | Financial services |
| 842 | Internet banking commission |
| 843 | Mobile banking commission |
| 844 | Trade broker/agent commission |
| 851 | Computer and IT services |
| 852 | Communications and telecommunications services |
| 853 | Intellectual property usage fees (royalties) |
| 854 | Legal services |
| 855 | Leasing/rental payments |
| 856 | Utilities payments |
| 857 | Information services |
| 858 | Advertising and market research |
| 859 | Professional, scientific and technical services |
| 861 | Educational services |
| 862 | Medical services |
| 869 | Culture and recreation services |
| 871 | Travel services |
| 872 | Accommodation and food services |
| 880 | Refund for non-provided services |
| 890 | Other service payments |
| 911 | Tax and other budget obligations |
| 912 | Penalty on budget obligations |
| 913 | Fines for legislative violations |
| 917 | Payments upon tax payment extension |
| 918 | Interest on tax payment extension |
| 925 | Customs duty deferment interest |
| 961 | VAT offset on grant-purchased goods |
| 962 | VAT return on grant-purchased goods |
| 963 | VAT return for diplomatic missions |
| 966 | Penalty to taxpayer for return delay |
| 971 | Return of overpaid amounts |
| 973 | Offset of excess VAT |
| 974 | Return of excess VAT |
| 975 | Budget code offset |
| 976 | Tax authority offset |
| 997 | VAT return for non-resident services |
EKNP is a 10-character composite written into MT103 field 70 line 3 as EKNP {KOD}{KBE}{currency}{KNP}, e.g. EKNP 2717KZT710.
KNP is the 3-digit payment-purpose code (NBK Res. 203). KBE is the recipient's 2-digit sector code, KOD is the sender's 2-digit sector code (both NBK Res. 204). Digit 1 = residency (1=resident, 2=non-resident); digit 2 = economic sector (1–9).
Field 70 (Remittance Information), typically line 3. Line 1 carries the purpose in plain English (POP), line 2 the beneficiary BIN/IIN (12 digits), line 3 the EKNP composite.
In pacs.008 (FI-to-FI Customer Credit Transfer), the same payload goes into <RmtInf><Ustrd>…</Ustrd> elements, one per MT103 field-70 line. ISO 20022 allows up to 4 <Ustrd> entries of 140 chars each, more than enough for POP / BIN-IIN / EKNP. The tool generates a ready-to-paste <RmtInf> block alongside the MT103 scaffold.
ISO 20022 <Purp><Cd> uses the External Purpose Code list (e.g., GDDS for goods, SALA for salary). KZ's KNP is a separate national taxonomy maintained by NBK and required in <RmtInf>, regardless of whether an external <Purp> code is also populated. The two are complementary, not substitutes.
Kazakhstan banks validate EKNP at acceptance: a wrong KOD, KBE, or KNP triggers immediate rejection with no automatic backvaluation.
Grenzüberschreitende Transaktionen analysieren und planen
Ohm liest Ihre pacs.008, prüft die Empfängerbank, kontrolliert den Zahlungsweg und seine Korrespondenzbanken, erstellt die Rechnung und findet den richtigen HS-Code.
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