Cash withdrawal

This note explains how to enter the transaction type “Cash withdrawal” in person, by debit card, or by credit card:

  • Cash withdrawal at counter
  • Cash withdrawal at ATM

 

 

General part of a transaction

Transaction status

  • Authorized (credit card transactions)
  • Executed
  • Refused
  • Announced
  • Cancelled by the client
  • Pending

 

Date and time of connection

To provide if the time of the transaction is known. This information must be provided in the format: YYYY-MM-DDT00:00:00 (GMT)

Example: 2016-05-30T09:30:10

 

Location

You must indicate the branch counter or the ATM where the withdrawal took place. This information may be useful for obtaining video recordings in a criminal investigation.

 

 

From - Source of funds

 

If the source of funds is in a currency other than EUR, the Foreign currency section must be filled-in.

Next, you must specify the object type for the source of the funds.

IMPORTANT:

For a “Cash withdrawal” transaction type, the object type From must ALWAYS be: “Account (My Client)”

 

Thus, you must fill-in the details of the account from which the funds originate.

Note: “Account (My Client)” may refer to: a bank account (cash withdrawal at counter), a debit card, or a credit card (ATM withdrawal).

See the user manual: Account - General information

Note:

  • If you select “Account (My Client)”, you must complete the section “Related person(s)” (account holder, beneficial owner), and if the holder is an entity, also the “Account Owning Entity”.
  • If you select “Account”, it is technically sufficient to enter the presumed account holder’s name in “Account holder name”.

 

To - Destination of funds

If the source of funds is in a currency other than EUR, the Foreign currency section must be filled-in.

Next, you must specify the object type for the destination of the funds.

IMPORTANT:

For a “Cash withdrawal” transaction type, the object type To must ALWAYS be: “Person” or “Person (Our Client)”

 

There are two possible situations:

1. Regular withdrawal

Funds are destined for “Person (Our Client)”, and you must provide the details of the person who withdrew and received the funds — a person already linked to the account (see How to use an existing object).

2. Fraudulent withdrawal: the client disputes being the originator

In the general section of the transaction, enter “Contested” in the Comments field.

Then, two situations must be distinguished:

  • The person who carried out the fraudulent withdrawal is unknown

Funds are destined for “Person (Our Client)”. This is because the fraudster impersonated the legitimate cardholder. Therefore, you must enter the details of the person who is the account holder.

  • The person who carried out the fraudulent withdrawal is known

Funds are destined for a “Person”. You must provide the details of the person who carried out the fraudulent withdrawal.

 

 

Here (Text, 3 Kb) is an example XML file for the withdrawal transaction type.

Last update