# Transaction Notification ## Request {% hint style="info" %} There is no request endpoint for this service as it is triggered by other events {% endhint %} Transaction Notification or Debit-Credit Notification messages are created automatically for every incoming or outgoing transaction on the account. This includes Account to Account Payments as well as other types of transactions, such as fee or interest payments. The ISO 20022 Bank To Customer Debit Credit Notification **camt.054.001.02** standard is used - content and format is very similar to Account Statement **camt.053.001.02**. ## Response Message Response message is created and can be requests by the Messages services - [messages](https://docs.lhv.com/home/connect/services/messages "mention") {% hint style="info" %} Response message format is ISO standard camt.054.001.02 HTTP Header Message-Response-Type: CREDIT\_DEBIT\_NOTIFICATION {% endhint %} {% file src="" %} camt.054.001.02.xsd schema {% endfile %} ### Body **Message root** | INDEX | MESSAGE ELEMENT | XML TAG | | ------- | --------------- | ------------------------ | | \[1..1] | MessageRoot | \ | **Group header**
MULT.ORMESSAGE ELEMENTXML TAGDESCRIPTIONINDEX
[1..1]+GroupHeader<GrpHdr>1.0
[1..1]++MessageIdentification<MsgId>Unique message identifier generated by LHV.1.1
[1..1]++CreationDateTime<CreDtTm>Date and time when the notification message is created at LHV.1.2
[1..n]+Notification<Ntfctn>2.0
[1..1]++Identification<Id>Unique notification identifier generated by LHV.2.1
[1..1]++CreationDateTime<CreDtTm>Date and time when the notification is created at LHV.2.4
[1..1]++Account<Acct>2.10
[1..1]+++ Identification<Id>
[1..1]++++IBAN<IBAN>IBAN for which this notification block is generated. When using VIBAN / Indirect Scheme Participant account services - the master account IBAN is used here, and VIBAN / Indirect Scheme Participant account in debitor and creditor blocks.
[1..1]+++Currency<Ccy>Currency for which this notification block is generated.
[0..1]+++Owner<Ownr>Account owner information.
[1..1]++++Name<Nm>Account owner name.
[1..1]++++Identification<Id>Legal customer registry code or private customer personal code.
[1..1]{Or+++++OrganisationIdentification<OrgId>
[1..1]++++++Other<Othr>
[1..1]+++++++Identification<Id>Legal customer registry code.
[1..1]Or}+++++PrivateIdentification<PrvtId>
[1..1]++++++Other<Othr>
[1..1]+++++++Identification<Id>Private customer personal code.
[1..1]+++Servicer<Svcr>
[1..1]++++FinInstnId
[0..1]+++++BIC<BIC>LHV Bank BIC
[0..1]+++++Name<Nm>LHV BANK LIMITED
[0..1]+++++PostalAddress<PstlAdr>LHV Bank address.
[1..1]++Entry<Ntry>Transaction level entry.2.56
[0..1]+++NtryRef<NtryRef>Entry Reference Identifier.
[1..1]+++Amount<Amt Ccy="AAA">Transaction amount (may be zero).2.58
[1..1]+++CreditDebitIndicator<CdtDbtInd>See credit-and-debit-code
Zero amount is considered a credit amount.		2.59
[0..1]+++ReversalIndicator<RvslInd>When set to True, then corresponding entry is a reversal of a previously booked entry.2.60
[1..1]+++Status<Sts>BOOK.2.61
[1..1]+++BookingDate<BookgDt>2.62
[1..1]++++Date<Dt>Transaction date.
[1..1]+++ValueDate<ValDt>2.63
[1..1]++++DateTime<DtTm>Transaction date with time and offset.
[1..1]+++AccountServicerReference<AcctSvcrRef>Unique payment ID assigned by the bank.2.64
[1..1]+++BankTransactionCode<BkTxCd>2.71
[1..1]++++Domain<Domn>2.72
[1..1]+++++Code<Cd>See the codes in bank-transaction-codes2.73
[1..1]+++++Family<Fmly>2.74
[1..1]++++++Code<Cd>See the codes in bank-transaction-codes2.75
[1..1]++++++SubFamilyCode<SubFmlyCd>See the codes in bank-transaction-codes2.76
[0..1]++++Proprietary<Prtry>2.77
[1..1]+++++Code<Cd>Payment scheme code, see codes in payment-schemes3.78
[1..n]+++EntryDetails<NtryDtls>2.115
[1..n]++++TransactionDetails<TxDtls>2.122
[1..1]+++++References<Refs>2.123
[0..1]++++++AccountServicerReference<AcctSvcrRef>Unique payment ID assigned by the bank.2.125
[0..1]++++++PaymentInformationIdentification<PmtInfId>Unique identification assigned by a sending party.
For outgoing payment, reference to the original pain.001.001.09-format message value PmtInf.PmtInfId.		2.126
[0..1]++++++InstructionIdentification<InstrId>Payment order number.2.127
[0..1]++++++EndToEndIdentification<EndToEndId>2.128
[1..1]+++++AmountDetails<AmtDtls>2.136
[1..1]++++++InstructedAmount<InstdAmt>
[1..1]+++++++Amount<Amt Ccy="AAA">Transaction amount (may be zero).
[0..1]+++++RelatedParties<RltdPties>2.179
[0..1]++++++Debtor<Dbtr>Included for credit entries and for debit entries on the VIBAN / Indirect Scheme Participant account.2.181
[0..1]+++++++Name<Nm>Remitter’s name.
[0..1]+++++++PostalAddress<PstlAdr>
[0..1]++++++++Country<Ctry>Remitter’s country ISO code.
[0..7]++++++++AddressLine<AdrLine>Remitter’s address.
[0..1]+++++++Identification<Id>
[1..1]{Or++++++++OrganisationIdentification<OrgId>
[0..1]{{Or+++++++++BICOrBEI<BICOrBEI>Remitter’s BIC or BEI.
[0..n]Or}}+++++++++Other<Othr>
[1..1]++++++++++Identification<Id>Remitter’s identification.
[0..1]++++++++++Issuer<Issr>
[1..1]Or}++++++++PrivateIdentification<PrvtId>
[0..1]+++++++++DateAndPlaceOfBirth<DtAndPlcOfBirth>
[1..1]++++++++++BirthDate<BirthDt>
[1..1]++++++++++CityOfBirth<CityOfBirth>
[1..1]++++++++++CountryOfBirth<CtryOfBirth>
[0..n]+++++++++Other<Othr>
[1..1]++++++++++Identification<Id>Remitter’s personal code.
[0..1]++++++++++SchemeName<SchmeNm>
[1..1]+++++++++++Code<Cd>See the supported values in private-person-identification
[0..1]++++++DebtorAccount<DbtrAcct>Included for credit entries and for debit entries on the VIBAN / Indirect Scheme Participant account.2.182
+++++++Identification<Id>
[1..1]{Or++++++++IBAN<IBAN>Remitter’s IBAN for credit transaction and VIBAN / Indirect Scheme Participant account for debit transactions.
[1..1]Or}++++++++Other<Othr>
[1..1]+++++++++Identification<Id>Remitter’s bank account number which is not IBAN. For Faster Payments (incoming): UK sort code + account nr (14 characters)
[0..1]++++++UltimateDebtor<UltmtDbtr>2.183
[0..1]+++++++Name<Nm>Ultimate remitter’s name.
[0..1]+++++++Identification<Id>
[0..7]{Or++++++++OrganisationIdentification<OrgId>
[0..1]{{Or+++++++++BICOrBEI<BICOrBEI>Ultimate remitter’s BIC or BEI.
[1..1]Or}}+++++++++Other<Othr>
[0..1]++++++++++Identification<Id>Ultimate remitter’s identification.
[1..1]Or}++++++++PrivateIdentification<PrvtId>
[1..1]+++++++++DateAndPlaceOfBirth<DtAndPlcOfBirth>
[0..1]++++++++++BirthDate<BirthDt>Ultimate remitter’s birth date.
[1..1]++++++++++CityOfBirth<CityOfBirth>Ultimate remitter’s city of birth.
[0..1]++++++++++CountryOfBirth<CtryOfBirth>Ultimate remitter’s country of birth.
[1..1]+++++++++Other<Othr>
[1..1]++++++++++Identification<Id>Ultlimate remitter’s identification.
[0..1]++++++++++SchemeName<SchmeNm>
[1..1]+++++++++++Code<Cd>See the supported values in private-person-identification
[0..1]++++++Creditor<Cdtr>Included for credit entries and for debit entries on the VIBAN / Indirect Scheme Participant account.2.184
[0..1]+++++++Name<Nm>Creditor’s name.
[0..1]+++++++PostalAddress<PstlAdr>
[0..1]++++++++Country<Ctry>Remitter’s country ISO code.
[0..7]++++++++AddressLine<AdrLine>Remitter’s address.
[0..1]+++++++Identification<Id>
[0..7]{Or++++++++OrganisationIdentification<OrgId>
[0..1]{{Or+++++++++BICOrBEI<BICOrBEI>Creditor’s BIC or BEI.
[1..1]Or}}+++++++++Other<Othr>
[0..1]++++++++++Identification<Id>Creditor’s identification.
[1..1]Or}++++++++PrivateIdentification<PrvtId>
[1..1]+++++++++DateAndPlaceOfBirth<DtAndPlcOfBirth>
[0..1]++++++++++BirthDate<BirthDt>Creditor’s birth date.
[1..1]++++++++++CityOfBirth<CityOfBirth>Creditor’s city of birth.
[0..1]++++++++++CountryOfBirth<CtryOfBirth>Creditor’s country of birth.
[1..1]+++++++++Other<Othr>
[1..1]++++++++++Identification<Id>Creditor’s identification.
[0..1]++++++++++SchemeName<SchmeNm>
[1..1]+++++++++++Code<Cd>See the supported values in private-person-identification
[1..1]++++++CreditorAccount<CdtrAcct>Included for credit entries and for debit entries on the VIBAN / Indirect Scheme Participant account.2.185
[1..1]+++++++Identification<Id>
[1..1]{Or++++++++IBAN<IBAN>Creditor’s IBAN for debit transaction and VIBAN / Indirect Scheme Participant account for credit transactions. UK Faster Payments - used when also payment request contained IBAN.
[1..1]Or}++++++++Other<Othr>
[1..1]+++++++++Identification<Id>Creditor’s account number which is not IBAN. UK Faster Payments (outgoing) - when also payment request contained sort code + domestic account nr. For Faster Payments (incoming): UK sort code + account nr (14 characters)
[0..1]++++++UltimateCreditor<UltmtCdtr>2.186
[0..1]+++++++Name<Nm>Ultimate creditor’s name.
[0..1]+++++++Identification<Id>
[0..7]{Or++++++++OrganisationIdentification<OrgId>
[0..1]{{Or+++++++++BICOrBEI<BICOrBEI>Ultimate creditor’s BIC or BEI.
[1..1]Or}}+++++++++Other<Othr>
[0..1]++++++++++Identification<Id>Ultimate creditor’s identification.
[1..1]Or}++++++++PrivateIdentification<PrvtId>
[1..1]+++++++++DateAndPlaceOfBirth<DtAndPlcOfBirth>
[0..1]++++++++++BirthDate<BirthDt>Ultimate creditor’s birth date.
[1..1]++++++++++CityOfBirth<CityOfBirth>Ultimate creditor’s city of birth.
[0..1]++++++++++CountryOfBirth<CtryOfBirth>Ultimate creditor’s country of birth.
[1..1]+++++++++Other<Othr>
[1..1]++++++++++Identification<Id>Ultimate creditor’s identification.
[0..1]++++++++++SchemeName<SchmeNm>
[1..1]+++++++++++Code<Cd>See the supported values in private-person-identification
[0..1]+++++RelatedAgents<RltdAgts>2.191
[0..1]++++++DebtorAgent<DbtrAgt>2.192
[1..1]+++++++FinancialInstitutionIdentification<FinInstnId>
[0..1]++++++++BIC<BIC>BIC of the remitter’s bank.
[0..1]++++++++Name<Nm>Name of the remitter’s bank.
[0..1]++++++CreditorAgent<CdtrAgt>2.193
[1..1]+++++++FinancialInstitutionIdentification<FinInstnId>
[0..1]++++++++BIC<BIC>BIC of the creditor’s bank.
[0..1]++++++++Name<Nm>Name of the creditor’s bank.
[0..1]+++++Purpose<Purp>2.204
[1..1]{Or++++++Code<Cd>See the codes in purpose2.205
[1..1]Or}++++++Proprietary<Prtry>2.206
[0..1]+++++RemittanceInformation<RmtInf>2.214
[0..n]++++++Unstructured<Ustrd>Payment description.2.215
[0..n]++++++Structured<Strd>2.216
[0..1]+++++++CreditorReferenceInformation<CdtrRefInf>2.236
[0..1]++++++++Type<Tp>2.237
[1..1]+++++++++CodeOrProprietary<CdOrPrtry>2.238
[1..1]{Or++++++++++Code<Cd>SCOR2.239
[1..1]Or}++++++++++Proprietary<Prtry>2.240
[0..1]+++++++++Issuer<Issr>2.241
[0..1]++++++++Reference<Ref>Payment reference number.2.242
[0..1]+++++ReturnInformation<RtrInf>Return information. Element is present when RvslInd is True. Provides details about the return, including the reason code (if available) and original payment reference.2.273
[0..1]++++++Reason<Rsn>2.284
[1..1]{Or+++++++Code<Cd>NARR if AdditionalInformation is present.2.285
[1..1]Or}+++++++Proprietary<Prtry>2.286
[0..n]++++++AdditionalInformation<AddtlInf>Contains return reason code. The value is a scheme-specific code, see codes in payment-return-codes2.287
[0..n]++++++AdditionalInformation<AddtlInf>Contains original payment Account Servicer Reference.
The value follows the format ORIG:{reference}, for example: ORIG:C9512AB4B85A4410A73BA8E94DDED3A9.
## Example {% tabs %} {% tab title="Debit Notification" %} Example of outgoing payment ```xml MSGID-20250605-0001 2025-06-05T07:54:29.073+01:00 NTFCTNID-20250605-GBP 2025-06-05T07:54:29.073+01:00 GB12LHVB04031000000682 GBP Connect Demo Customer 1 ORGID-20250605 LHVBGB2L LHV BANK LIMITED BIZZ Angel Court 1 EC2R 7HJ London GB 1 1.00 DBIT false BOOK
2025-06-05
 2025-06-05T07:54:28.720+01:00 68F9D8CD77AE4F91869EFCAB0F63DED6 PMNT ICDT OTHR INTERNAL 68F9D8CD77AE4F91869EFCAB0F63DED6 INSTRID-20250605-001 1.00 1.00 ORGID-20250605 COID John Smith GB12LHVB04031700000986 LHVBGB2LXXX LHV BANK LIMITED Payment Description ``` {% endtab %} {% tab title="Crdit Notification (Return)" %} ```xml MSGID-20250605-0002 2025-06-05T08:03:00.602+01:00 NTFCTNID-202506051-GBP 2025-06-05T08:03:00.602+01:00 GB20LHVB04031512345678 GBP Connect Demo Customer 1 CDCUK001 LHVBGB2L LHV BANK LIMITED BIZZ Angel Court 1 EC2R 7HJ London GB 1 1.00 CRDT true BOOK
2025-06-05
 2025-06-05T08:02:59.998+01:00 84046C74F91746CF962DC128D947EE90 PMNT RCDT OTHR INTERNAL 84046C74F91746CF962DC128D947EE90 InstrId50137-3 1.00 1.00 John Smith GB12LHVB04031700000986 CDCUK001 COID LHVBGB2LXXX LHV BANK LIMITED Payment returned 50137 NARR ORIG:68F9D8CD77AE4F91869EFCAB0F63DED6 ``` {% endtab %} {% endtabs %} ## **Error codes** Service specific errors
ERROR CODEDESCRIPTION
errStatement_NoAccessNo access to the account.
errStatement_PeriodLongPeriod is too long.
errStatement_PeriodInvalidFrom date cannot be later than to date.
errStatement_RequestInvalidRequest message fails xsd validation.