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Old 28.07.2015, 22:15
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Bank clearing number - can it be incorrect?

Hi all,

I'm setting up a standing order for my rent payment.

I have the account number and the bank location and post code (and obviously name of the Gerance etc.). I do not have the clearing number and I need one to send the payment.

I tried the clearing number of their bank (UBS Zurich). There are several UBS branches in Zurich with different clearing numbers. I narrowed it down to 2 on postcode (8098).

It wouldn't allow me to use one of them. On the other, the clearing number worked and the payment is approved.

Easy solution is obviously call and ask, but can anyone enlighten me on if it's possible to use the wrong clearing number, if all other info is correct and it's the right bank (UBS).

Thanks!
N
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Old 28.07.2015, 23:23
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Re: Bank clearing number - can it be incorrect?

If you have a full IBAN number for the destination account, and you are using electronic banking to set up the payments, then the clearing number should be automatically found.

Try also here:
(Ger.) http://www.six-interbank-clearing.co...bc-number.html
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Old 28.07.2015, 23:33
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Re: Bank clearing number - can it be incorrect?

I have only the domestic bank number, not the IBAN.

I'll contact them tomorrow, but I tried again and only 2 codes found in the UBS search tool worked (out of about 6) - one for UBS AG in Zurich and the other for UBS 'Swiss Financial Advisers AG'.
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Old 29.07.2015, 12:33
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Re: Bank clearing number - can it be incorrect?

The bank clearing number a.k.a. Bankleitzahl (BLZ) is a way to identify the location/branch of the bank.

In the IBAN, this is represented by a 5-digit number from position 5-9. Banks here usually require and quote only the last 4 (out of the 5) digits. If I'm not wrong, domestic bank account numbers also start with the same 4 digits.

If you know the location of the branch, you could search for the BLZ with this tool, or vice versa. http://www.banksuche.com/ch/
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Old 30.07.2015, 17:26
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Re: Bank clearing number - can it be incorrect?

Thanks for your help all. I got a payment slip in the end and managed to do a standing order with it.
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Old 31.07.2015, 11:11
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Re: Bank clearing number - can it be incorrect?

When I've not known the exact one, I've in the past just used what looks like the bank's main one, and the payment has always gone through
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Old 06.08.2015, 14:34
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Re: Bank clearing number - can it be incorrect?

UBS bank clearing code is 230. Even if the account is with a branch of UBS (and they have different BC codes), it all gets routed through that main BC number.

You can also look the numbers up here: http://www.six-interbank-clearing.co...bc-number.html ... but as others have said, with an IBAN-number you don't really need the BC number anymore.

No, I don't work for them .
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Old 06.08.2015, 16:26
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Re: Bank clearing number - can it be incorrect?

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UBS bank clearing code is 230. Even if the account is with a branch of UBS (and they have different BC codes), it all gets routed through that main BC number.

You can also look the numbers up here: http://www.six-interbank-clearing.co...bc-number.html ... but as others have said, with an IBAN-number you don't really need the BC number anymore.

No, I don't work for them .
That isn't actually true any more - with the recent legal separation of UBS CH there are two BC numbers in use, at least temporarily.

I don't know if there is overlap in the account number ranges or not, but if there is it would be a problem using the wrong BC.

The IBAN actually includes the BC, which is why you don't need to enter it separately but it is still used - details here: http://www.swissiban.com
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Old 04.05.2017, 13:51
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Re: Bank clearing number - can it be incorrect?

I've just placed an order with microspot.

Their email contained their account number but not clearing number, and not IBAN.

When I called, they gave me a clearing number (and also offered to give an IBAN). Credit Suisse's online banking domestic payment (non-IBAN) form won't proceed without a clearing number. It seems odd that the standard payment information email from microspot does not contain sufficient information to make the payment. I mentioned this on the phone, and they said they'd tell the responsible person so it can be fixed.

Do other banks require the clearing number for Swiss-account-number-style basic domestic payments (not orange / red slip)? I don't recall ever having to find out a clearing number before.

I tried using CS's clearing number search thing (accessible via the question mark link in the form). It came up with 900 for microspot's bank, PostFinance Bern. This is different from what microspot told me on the phone, which was 8440. I am going to go with 8440 and see if it works, but I don't like the lack of clarity.
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Old 04.05.2017, 14:20
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Re: Bank clearing number - can it be incorrect?

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I've just placed an order with microspot.

Their email contained their account number but not clearing number, and not IBAN.
If not red/orange slip or IBAN should be the standard method. The old short domestic numbers are no longer in use.

If the mentioned account number is 01-85265-9 then this is the orange slip number (Orange slip numbers always start with 01-, you will also need a reference number). If it is 30-307124-1 then this is the red payment slip number.

If the IBAN is CH47 0900 0000 3030 7124 1 then the Clearing number is 900 and the BIC POFICHBEXXX

Maybe 8440 is your order reference number?
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Old 04.05.2017, 14:37
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Re: Bank clearing number - can it be incorrect?

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If the mentioned account number is 01-85265-9 then this is the orange slip number (Orange slip numbers always start with 01-, you will also need a reference number).
Thanks; useful. Is it also the case that every account number starting 01- should be treated as an "orange slip" number?
Quote:
If it is 30-307124-1 then this is the red payment slip number.
Likewise, should every account number starting 30- be treated as a "red slip" number?
Quote:
If the IBAN is CH47 0900 0000 3030 7124 1 then the Clearing number is 900 and the BIC POFICHBEXXX

Maybe 8440 is your order reference number?
No, my order number has 10 digits. Fuk-knows what 8440 is, but it's what they told me, and now it's what the payment is being sent with.
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Old 04.05.2017, 14:57
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Re: Bank clearing number - can it be incorrect?

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Thanks; useful. Is it also the case that every account number starting 01- should be treated as an "orange slip" number?

Likewise, should every account number starting 30- be treated as a "red slip" number?

No, my order number has 10 digits. Fuk-knows what 8440 is, but it's what they told me, and now it's what the payment is being sent with.
01- is nearly always an orange slip (unknown exception may apply).

Red slips start all with XY- but never with 01-

If such a number is from PostFinance, than it is a red slip. If it is from another bank, than it is an old style domestic payment where you also need the clearing number.

The clearing number 8440 belongs to, non surprisingly, the Coop Bank
https://www.six-interbank-clearing.c...html#results/1

If you also have an IBAN for that account then this would start with CHXY 8440 ....
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Old 04.05.2017, 15:13
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Re: Bank clearing number - can it be incorrect?

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[...]
The clearing number 8440 belongs to, non surprisingly the Coop Bank
Why non surprisingly? Does the number have special significance or something?

The full line in the email, which I took to be the bank info, was "PostFinance Bern , Coop Genossenschaft". Do PostFinance run some clearing infrastructure for Coop bank, or something like that? Doesn't seem very clear to me.
Quote:
If you also have an IBAN for that account then this would start with CHXY 8440 ....
I don't have, but I could ask microspot for it.
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Old 04.05.2017, 15:28
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Re: Bank clearing number - can it be incorrect?

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Why non surprisingly? Does the number have special significance or something?
Microspot is onwed by Coop.

Best you simply quote the original mail and stop paraphrasing and partlz quoting from it. You may redact order details, but please leave the account numbers as they are.
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Old 04.05.2017, 15:34
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Re: Bank clearing number - can it be incorrect?

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...partlz quoting from it.
I think you maz need to adjust zour kezboard setting.
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Old 04.05.2017, 15:54
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Re: Bank clearing number - can it be incorrect?

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Microspot is onwed by Coop.
And?
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Best you simply quote the original mail and stop paraphrasing and partlz quoting from it. You may redact order details, but please leave the account numbers as they are.

Bestelleingangsbestätigung

Guten Tag Herr Tom JonesVielen Dank für Ihre Bestellung, die wie folgt bei uns eingegangen ist:

Bestellnummer Versandart Zahlungsart
==================================================
A_SWISS_IN_THE_US_KINDLY_GAVE_PERMISSION_THAT_I_MA Y_REMOVE_THIS_PART Abholung Vorauskasse


Adresse
==========================
A_SWISS_IN_THE_US_KINDLY_GAVE_PERMISSION_THAT_I_MA Y_REMOVE_THIS_PART

Lieferadresse
==========================
Sobald Ihre Ware im Store abholbereit ist, werden Sie per E-Mail informiert. Auch für die speziell gekennzeichneten Artikel mit Abholung ab 17 Uhr erhalten Sie per
E-Mail eine Abholinformation.

microspot.ch 359

microspot.ch A_SWISS_IN_THE_US_KINDLY_GAVE_PERMISSION_THAT_I_MA Y_REMOVE_THIS_PART
A_SWISS_IN_THE_US_KINDLY_GAVE_PERMISSION_THAT_I_MA Y_REMOVE_THIS_PART


Stk. Artikel Nr. Artikel Stückpreis Summe
================================================== =============
A_SWISS_IN_THE_US_KINDLY_GAVE_PERMISSION_THAT_I_MA Y_REMOVE_THIS_PART

Zwischensumme: A_SWISS_IN_THE_US_KINDLY_GAVE_PERMISSION_THAT_I_MA Y_REMOVE_THIS_PART






Summe: A_SWISS_IN_THE_US_KINDLY_GAVE_PERMISSION_THAT_I_MA Y_REMOVE_THIS_PART
Inkl. 8% Mwst: A_SWISS_IN_THE_US_KINDLY_GAVE_PERMISSION_THAT_I_MA Y_REMOVE_THIS_PART
MwSt.No.: CHE-116.311.185 MWST

Zu zahlender Betrag: A_SWISS_IN_THE_US_KINDLY_GAVE_PERMISSION_THAT_I_MA Y_REMOVE_THIS_PART


Angaben zu Lieferzeiten sind ohne Gewähr. Verfügbarkeiten sind oft abhängig von der Nachfrage nach einem Produkt. Daher können sich Lieferzeiten nach erfolgter
Bestellung noch ändern. Den aktuellen Status Ihrer Bestellung können Sie jederzeit in Ihrem Konto abrufen.Haben Sie mehrere Artikel bestellt, werden diese möglicherweise
in Teillieferungen zugestellt. Es entstehen Ihnen dadurch keine Mehrkosten.

Diese E-Mail dient als Bestätigung, dass wir Ihre Bestellung empfangen haben. microspot.ch kann Ihre Bestellung ablehnen, falls diese nicht den AGB entspricht. Der
Kaufvertrag ist gültig, sobald Ihre Bestellung bei uns verarbeitet und akzeptiert wurde.

Sie haben sich für Zahlung per Vorauskasse entschieden. Am Lager verfügbare Ware erhalten Sie in 2-3 Tagen, wenn Sie Ihre Zahlung in Ihrem Online Banking oder
Postfinance mit Angabe der ESR Nummer auslösen. Angaben für Ihre Online Zahlung:

Kontonummer: 01-85265-9
PostFinance Bern , Coop Genossenschaft
Zugunsten von: microspot.ch , 3302 Moosseedorf
Bestellnummer: A_SWISS_IN_THE_US_KINDLY_GAVE_PERMISSION_THAT_I_MA Y_REMOVE_THIS_PART
ESR-Nr. / Referenznr.: A_SWISS_IN_THE_US_KINDLY_GAVE_PERMISSION_THAT_I_MA Y_REMOVE_THIS_PART

Bitte achten Sie auf die korrekte Erfassung der ESR-Nummer / Referenznummer. Ansonsten kann Ihre Zahlung nicht zugewiesen werden und wird abgelehnt.

Für Einzahlungen am Postschalter wenden Sie sich bitte an unseren Support. Die oben angegebenen Bankdaten sind für Einzahlungen am Postschalter nicht gültig.Freundliche
Grüsse

microspot.ch Team
Kundendienst

Tel: 031 853 53 53

support@microspot.ch
www.microspot.ch


microspot.ch
Geschäftsbereich der Coop
Moosstrasse 23
CH-3302 Moosseedorf

Mo-Fr: 8 bis 17 Uhr
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  #17  
Old 04.05.2017, 16:16
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Re: Bank clearing number - can it be incorrect?

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Kontonummer: 01-85265-9
PostFinance Bern , Coop Genossenschaft
Zugunsten von: microspot.ch , 3302 Moosseedorf
Bestellnummer: A_SWISS_IN_THE_US_KINDLY_GAVE_PERMISSION_THAT_I_MA Y_REMOVE_THIS_PART
ESR-Nr. / Referenznr.: A_SWISS_IN_THE_US_KINDLY_GAVE_PERMISSION_THAT_I_MA Y_REMOVE_THIS_PART
Orange payment slip it is. The ESR-Nr. / Referenznr.: and additionaly the structure of the account number are the dead give away.
ESR == orange payment slip https://www.postfinance.ch/de/biz/pr...ef/detail.html

Because you left the Reference number and amount out, I can not pay it for you
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