Поиск кода ЕКНП / КНП для Казахстана

Опишите платёж в чате ниже — мы соберём полный ЕКНП (КОд + КБе + валюта + КНП) для поля 70 MT103 и для блока pacs.008 <RmtInf><Ustrd>.

ЕКНП Помощник по кодам платежей Казахстана

ЕКНП для любого платежа в Казахстан

Опишите платёж простым языком (можно по-русски, по-английски или по-казахски). Я подберу КОд, КБе и КНП и соберу ЕКНП для поля 70.

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Справочники кодов

КОд — коды секторов отправителя (18 кодов)

11	Центральные государственные органы — резидент
12	Региональные и местные органы государственного управления — резидент
13	Национальный (центральный) банк — резидент
14	Другие депозитные организации (коммерческие банки) — резидент
15	Другие финансовые организации — резидент
16	Государственные нефинансовые организации — резидент
17	Негосударственные нефинансовые организации — резидент
18	Домашние хозяйства — резидент
19	Некоммерческие организации, обслуживающие домашние хозяйства — резидент
21	Центральные государственные органы — нерезидент
22	Региональные и местные органы государственного управления — нерезидент
23	Национальный (центральный) банк — нерезидент
24	Другие депозитные организации (коммерческие банки) — нерезидент
25	Другие финансовые организации — нерезидент
26	Государственные нефинансовые организации — нерезидент
27	Негосударственные нефинансовые организации — нерезидент
28	Домашние хозяйства — нерезидент
29	Некоммерческие организации, обслуживающие домашние хозяйства — нерезидент

КБе — коды секторов получателя (18 кодов)

11	Центральные государственные органы — резидент
12	Региональные и местные органы государственного управления — резидент
13	Национальный (центральный) банк — резидент
14	Другие депозитные организации (коммерческие банки) — резидент
15	Другие финансовые организации — резидент
16	Государственные нефинансовые организации — резидент
17	Негосударственные нефинансовые организации — резидент
18	Домашние хозяйства — резидент
19	Некоммерческие организации, обслуживающие домашние хозяйства — резидент
21	Центральные государственные органы — нерезидент
22	Региональные и местные органы государственного управления — нерезидент
23	Национальный (центральный) банк — нерезидент
24	Другие депозитные организации (коммерческие банки) — нерезидент
25	Другие финансовые организации — нерезидент
26	Государственные нефинансовые организации — нерезидент
27	Негосударственные нефинансовые организации — нерезидент
28	Домашние хозяйства — нерезидент
29	Некоммерческие организации, обслуживающие домашние хозяйства — нерезидент

КНП — коды назначения платежа (303 кодов)

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	Обязательные пенсионные взносы
011	Pension distributions from accumulation fund
012	Социальные отчисления
013	Добровольные пенсионные взносы
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	Пенсии
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	Переводы денег на лечение
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	Алименты
119	Other gratuitous transfers (assistance, damages, grants)
120	Membership contributions
121	Отчисления на обязательное социальное медицинское страхование
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	Платежи за товары (кроме недвижимости)
711	Foreign goods purchase without import to Kazakhstan
712	Resale of imported foreign goods
713	Repurchase of exported domestic goods
721	Платежи за недвижимость на территории Республики Казахстан
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	Возврат излишне уплаченных сумм
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

Вопросы и ответы

Что такое ЕКНП?

ЕКНП — 10-символьная композиция, которая указывается в третьей строке поля 70 сообщения MT103 в формате EKNP {КОд}{КБе}{валюта}{КНП}, например EKNP 2717KZT710.

В чём разница между КНП, КБе и КОд?

КНП — это 3-значный код назначения платежа (Постановление Правления НБ РК № 203). КБе — 2-значный код сектора получателя, КОд — 2-значный код сектора отправителя (оба по Постановлению № 204). Первая цифра — признак резидентства (1 — резидент, 2 — нерезидент); вторая цифра — сектор экономики (1–9).

Где в MT103 указывать ЕКНП?

В поле 70 (Remittance Information), как правило в третьей строке. Первая строка — назначение платежа простым языком на английском (POP), вторая — БИН/ИИН бенефициара (12 цифр), третья — сам код ЕКНП.

Где ЕКНП размещается в pacs.008 / ISO 20022?

В сообщении pacs.008 (FI-to-FI Customer Credit Transfer) тот же контент уходит в элементы <RmtInf><Ustrd>…</Ustrd> — по одному на каждую строку поля 70. ISO 20022 допускает до 4 элементов <Ustrd> по 140 символов — этого достаточно для POP / БИН-ИИН / ЕКНП. Инструмент формирует готовый блок <RmtInf> рядом с шаблоном MT103.

Почему не использовать структурированный код Purpose из ISO 20022?

Элемент <Purp><Cd> в ISO 20022 использует список External Purpose Code (например, GDDS — товары, SALA — зарплата). КНП — отдельная национальная классификация, которую ведёт НБ РК, и она требуется в <RmtInf> независимо от того, заполнен ли внешний <Purp>. Эти два поля дополняют друг друга, а не заменяют.

Почему банк РК отклоняет платёж за неверный КНП?

Казахстанские банки проверяют ЕКНП на этапе принятия платежа — неверный КОд, КБе или КНП приводит к немедленному отклонению без автоматического возврата на ту же дату валютирования.