Guidance Notes: Remittance Data Collection Template

GUIDANCE NOTES: REMITTANCE DATA COLLECTION TEMPLATE Background: Generally, Remittances represent household income from foreign economies arising mainly from the temporary or permanent movement of people to those economies. Remittances include cash and non-cash items that flow through formal channels, such as electronic wire, or through informal channels, such as physical movement of cash or goods carried across borders. For the context of this framework, the remittances referred are personal transfers, usually from migrants to their friends and families being sent across the border through formal channels. The granular data in this framework introduces demographic information, that would help profile and analyze different customer types, corridors, channels etc to enable the policy formulation and product development of targeted policies to the preferences and demands of both the public and private sector. The Remittance Data Collection Form The revised form is available on theBanking Supervision Application (BSA) at the path; Returns Submission --> Returns Template ---> Weekly ---- > Returns Group ---> Remittance Inbound and Outbound Return 2025 The form makes use of best practices, and global standards to collect remittance data in alignment with BPM6 and reference to the Remittance Reporting and Analysis System (RRAS) guidelines of the United Nations Capital Development Fund (UNCDF) [1] ; Inbound Transfers (

• is a Mandatory Field ) *Unique ID: *Required Field. This identifier should be unique for each transaction. In some instances, it is the Transactional ID, and in others it is a Reference Number shared between 2 or more institutions. This unique ID should remain the same through the transaction’s lifetime. This helps avoid duplicate counting of transactions between institutions. *Receiving /Beneficiary Entity Type: *Required Field, This is the category of the beneficiary institution or the one receiving the inbound remittance. Examples are Commercial Bank, FinTech like Payment Service Provider (PSP), Payment Systems Operator (PSO), Money Remittance Service Provider or Forex Bureau (MRSP/FXB). *Receiving / Beneficiary Institution Name: *Required Field - This is the 'Registered' Name of the Receiving or Beneficiary Institution. *Receiver / Beneficiary /Customer Name: *Required Field. Full legal names of the receiver. *Receiver/ Beneficiary /Customer Address Location (City / Town / District): *Required Field - This should be the most accurate location name like City, Town, or District. The address location of the Recipient is found on the NID or provided by the customer during Cash pickups. For digital termination (bank account and mobile money wallet) , the address location is extracted from the IT Systems. The address location should have been provided by the customer during onboarding. *Sex of Receiver/ Beneficiary /Customer: *Required Field. Male (M) or Female (F). Knowing the sex of the receiver helps analyze male and female dynamics regarding remittances, which is important for product development. *D.O. B of Receiver/ Beneficiary /Customer: *Required Field. The date of birth of the receiver in the format 'DD-MM-YYYY'. This allows for demographic analysis and trend identification. *Receiver/

Beneficiary /Customer ID Type: *Required Field. The type of identification used, such as National ID, Passport, Driver’s License or Refugee Card. *Receiver/ Beneficiary /Customer ID Number: *Required Field. The unique identification number of the receiver. *Receiver/ Beneficiary /Customer Nationality: "*Required Field - This is the Beneficiary or Recipients Nationality as per Passport, National ID, Refugee Card etc. The Nationality is a Country Code (Text) which can be cross referenced with ISO-3166-19 Receiver/Beneficiary Place of birth: Knowing the place of birth allows for validation of origin information provided etc. This should be the most accurate location name like City, Town, or District. " *Transfer Channel:

• Required Field: Transfer Channel is either 'CASH', or 'DIGITAL'. Please state which of the 2 applies. *Termination Details:
• Required Field: For CASH transactions only, state the Cash Out Location e.g. City, Town, District of the bank branch, agent, sub-agent. For DIGITAL transactions state how the remittance terminates e.g. Mobile Money, Bank Account, Virtual Wallet, Bank Wallet. *Date of Transaction:
• Required Field - The date the money was available for withdraw. The format should be DD-MM-YYYY. *Purpose of Transfer: *Required Field. The purpose of the personal transfer. This field may be a free TEXT field. Intermediary Institution Name: If applicable, specify the intermediary institution, such as an intermediary bank, digital payment gateway, or technology provider. *Sending/ Originator Country: *Required Field. The country where the transaction originates. The country codes are in TEXT and should follow the ISO-3166-1 standard. *Sending/

Originator Currency: *Required Field. The currency of the sending country. The currency code should be cross-referenced using the ISO-4217 standard. Value: Value of Transaction in Sending Currency. If the transaction is already in converted, and the Receiving currency is UGX, then leave this blank and fill in the next column, 'Value UGX'. *Value UGX: **Required Field - Provide the value converted to UGX. To be calculated with local convention / regulation. Receiving/Beneficiary Currency: If the transaction does NOT terminate in UGX for example in a foreign currency account, please provide the currency details. The Currency code can be cross-referenced by using ISO-4217 Standard. Foreign Exchange Rate (FX) Applied : For cases where an FX Conversion is done, please state the FX Rate applied to convert Transaction value from Sending Currency to UG. Foreign Exchange Margin (%) X. This is the FX Margin / Commission applied by the sending institution on outbound remittance. *Fees Charged to Receiver/Beneficiary at Destination in UGX: *Required Field. The domestic transaction charge applied by the receiving institution. This does NOT include FX markup. Fees charged to Receiver as a % of Transaction: These are the fees applied as percentage of Total value of the transaction. Fees charged to Originator/Sender at Source in UGX: If fees applied upfront at the source to the sender are known, please input them in UGX. *Tax UGX: *Required Field - Domestic Taxes applied to Transaction if applicable, else put Zero '0'. Total Cost as % Total Cost as Percentage (%) of Transaction (% FX Margin + % Fees at Sender) Sending / Ordering Entity Type: The category of the institution where the transaction originates, such as a Commercial Bank, Money Transfer Operator (MTO), or FinTech company. Sending /Ordering Entity Name: The registered name of the institution where the transaction originates. *Sender/ Originator/ Customer Name: Required Field. Full legal names of the sender. Sender/ Originator/ Customer ID Type: The type of identification used by the sender, such as National ID, Passport, Driver’s License or Refugee Card. Sender/ Originator/ Customer ID Number: The identification number of the sender. Sender/ Originator/ Customer Address Location: The most accurate location of the sender, City, town, or district. For digital transactions, this information is extracted from IT systems, while for cash pickups/drop-offs, it is collected from the customer. Sex of Sender/ Originator/ Customer: The sex of the sender (Male (M) or Female (F)). This helps understand gender dynamics in remittances. Sender/ Originator/ Customer Nationality: This is the senders nationality as per Passport, National ID, Refugee Card etc. The Nationality is a Country Name and can be cross-referenced with ISO-3166-1. D.O.B of Sender/ Originator/ Customer: Knowing the date of birth allows for analysis of more demographics, trends etc. The format should be DD-MM-YYYY Source of Funds: The origin of the funds being transferred, as stated by the sender. Relationship With Receiver: The relationship between the sender and receiver, such as father, mother, friend, etc. Outbound Transfers: ( is a Mandatory Field) *Unique ID : *Required Field. This identifier should be unique for each transaction. In some instances, it is the Transactional ID, and in others, it is a Unique ID shared between two or more institutions. This unique ID should remain consistent throughout the transaction's lifecycle to prevent duplicate counting of transactions between institutions. *Sending Entity/

Ordering Financial Type: *Required Field. This represents the category of institution from which the remittance originates, such as Commercial Bank, Money Transfer Operator (MTO), or FinTech. *Sending /

Ordering Entity Name: *Required Field. The name of the institution that is originating the remittance transaction. *Sender / Originator/ Customer Name: *Required Field. The full name of the sender as recorded. *Sex of Sender/

Originator/ Customer: *Required Field. The gender of the sender (Male "M" or Female "F"). Understanding gender dynamics in remittances is crucial for product development and analysis. *D.O. B of Sender/ Originator/ Customer: *Required Field. The Date of Birth of the sender formatted as ‘DD-MM-YYYY’. Knowing the sender's age helps in demographic analysis and trend identification. *Sender/ Originator/ Customer ID Type: *Required Field. Type of identification used by the sender, e.g., National ID, Passport, Driver’s License, or Refugee Card. *Sender/ Originator/ Customer ID Number: *Required Field. The identification number is associated with the sender’s ID type. *Sender’s/ Originator/ Customer Nationality:

• *Required Field - This is the Originator or Sender's Nationality as per Passport, National ID, Refugee Card etc. The Nationality is a Country Code (TEXT) which can be cross referenced with ISO-3166-19 Sender’s/Originator’s Place of birth: Knowing the place of birth allows for validation of origin information provided etc. This should be the most accurate location name like City, Town, or District. *Sender/ Originator/ Customer Address Location: *Required Field - This should be the most accurate location name like City, Town, or District. The address location of the Originator / Sender is found on the NID or provided by the customer during Cash dropoffs. For digital transactions (bank account and mobile money wallet) , the address location is extracted from the IT Systems of the bank / PSP. The address location should have been provided by the customer during onboarding. *Transfer Channel: *Required Field - Transfer Channels are either 'CASH', or 'DIGITAL' Please state which apply. *Transfer Details: *Required Field - For CASH transactions, state the Cash In Location like City, Town, District of the bank branch, agent, sub-agent. For DIGITAL transactions state if the sender is using a Mobile Money Wallet, Bank Account, Virtual Wallet, Bank Wallet. *Date of Transaction:
• • Required Field - The date the money was deposited or transferred. The Format should be DD-MM-YYYY. *Purpose of Transfer: *Required Field. The purpose of the personal transfer. This field may be a free TEXT field. Intermediary Institution Name: If applicable, provide the name of the intermediary institution involved in the transaction, such as a bank or digital payment gateway provider. *Remitting Currency: **Required Field - This is the currency of the transaction as initiated. The Remitting Currency can be UGX, in which case it must be converted to Destination currency. Remitting currency could also be a Foreign Currency in cases where sender has a Foreign currency account. The Currency code (TEXT) can be cross-referenced by using ISO-4217 Standard *Value in Remitting Currency: *Required Field. The transaction amount in the remitting currency.

*Destination Currency *Required Field - This is the Currency as Received at the Destination. The Currency code (TEXT) can be cross-referenced by using ISO-4217 Standard *Exchange Rate (FX) Applied *Required Field - Exchange Rate applied to convert Transaction value from Remitting Currency to Destination Currency. Foreign Exchange Margin (%): This is the FX Margin / Commission applied by the sending institution on outbound remittance.

*Fees at Senders/Originator in UGX *Required Field - Transaction fees charged by sender institution (Fees charged by sending institution). Fees as a % of Transaction; These are the fees applied as percentage of total value of the transaction. *Domestic Tax in UGX: *Required Field. The domestic tax applied to the transaction. If no tax is applied, record as Zero (0). Fees at Receiver’s/

Beneficiary /Customer in UGX: These are the fields applied at the receivers side by the receiving institution if known. Total Cost as %: Total Cost as Percentage (%) of Transaction (% FX Margin + % Fees at Sender) *Receiving/Beneficiary Entity Type: *Required Field. The category of institution receiving the remittance, such as a Commercial Bank, MTO, or FinTech. *Receiving/Beneficiary Institution Name: *Required Field. The name of the institution where the remittance is being sent. *Receiving/Beneficiary Country: *Required Field. The country to which the remittance is being sent. The country code (TEXT) should follow ISO-3166-1 standards. *Receiver/ Beneficiary /Customer Name: *Required Field. The full name of the receiver. Sex of Recipient/Beneficiary: Male (M) or Female (F)Knowing the Sex is important to understand male and female dynamics as regards remittances. This important for product development D.O.B of Recipient: This is to derive the age of the individual at the destination of the remittance. Knowing the age allows for analysis of more demographics. Format DD-MM-YYYY Receiver/

Beneficiary /Customer Nationality: This is the Recipient’s Nationality as per Passport, National ID or Refugee Card etc. Nationality is a Country Code which can be cross referenced with ISO-3166-19 Receiver/ Beneficiary /Customer ID Type: Type of ID the receiver is using, such as National ID, Passport, Driver’s License, Work ID, or Refugee Card. Receiver/

Beneficiary /Customer ID Number: The identification number corresponding to the receiver’s ID type. Receiver/

Beneficiary /Customer Address Location (City / Town / District): This should be the most accurate location name like City, Town, or District. Source of Funds: The origin of the funds being transferred, as provided by the sender. Relationship with Receiver/

Beneficiary /Customer: The nature of the relationship between the sender and the receiver. APPENDIX Table 1: Country Code Guide English short name Alpha-2 code Alpha-3 code Uganda UG UGA Afghanistan AF AFG Albania AL ALB Algeria DZ DZA American Samoa AS ASM Andorra AD AND Angola AO AGO Anguilla AI AIA Antarctica AQ ATA Antigua and Barbuda AG ATG Argentina AR ARG Armenia AM ARM Aruba AW ABW Australia AU AUS Austria AT AUT Azerbaijan AZ AZE Bahamas (the) BS BHS Bahrain BH BHR Bangladesh BD BGD Barbados BB BRB Belarus BY BLR Belgium BE BEL Belize BZ BLZ Benin BJ BEN Bermuda BM BMU Bhutan BT BTN Bolivia (Plurinational State of) BO BOL Bonaire, Sint Eustatius and Saba BQ BES Bosnia and Herzegovina BA BIH Botswana BW BWA Bouvet Island BV BVT Brazil BR BRA British Indian Ocean Territory (the) IO IOT Brunei Darussalam BN BRN Bulgaria BG BGR Burkina Faso BF BFA Burundi BI BDI Cabo Verde CV CPV Cambodia KH KHM Cameroon CM CMR Canada CA CAN Cayman Islands (the) KY CYM Central African Republic (the) CF CAF Chad TD TCD Chile CL CHL China CN CHN Christmas Island CX CXR Cocos (Keeling) Islands (the) CC CCK Colombia CO COL Comoros (the) KM COM Congo (the Democratic Republic of the) CD COD Congo (the) CG COG Cook Islands (the) CK COK Costa Rica CR CRI Croatia HR HRV Cuba CU CUB Curaçao CW CUW Cyprus CY CYP Czechia CZ CZE Côte d'Ivoire CI CIV Denmark DK DNK Djibouti DJ DJI Dominica DM DMA Dominican Republic (the) DO DOM Ecuador EC ECU Egypt EG EGY El Salvador SV SLV Equatorial Guinea GQ GNQ Eritrea ER ERI Estonia EE EST Eswatini SZ SWZ Ethiopia ET ETH Falkland Islands (the) [Malvinas] FK FLK Faroe Islands (the) FO FRO Fiji FJ FJI Finland FI FIN France FR FRA French Guiana GF GUF French Polynesia PF PYF French Southern Territories (the) TF ATF Gabon GA GAB Gambia (the) GM GMB Georgia GE GEO Germany DE DEU Ghana GH GHA Gibraltar GI GIB Greece GR GRC Greenland GL GRL Grenada GD GRD Guadeloupe GP GLP Guam GU GUM Guatemala GT GTM Guernsey GG GGY Guinea GN GIN Guinea-Bissau GW GNB Guyana GY GUY Haiti HT HTI Heard Island and McDonald Islands HM HMD Holy See (the) VA VAT Honduras HN HND Hong Kong HK HKG Hungary HU HUN Iceland IS ISL India IN IND Indonesia ID IDN Iran (Islamic Republic of) IR IRN Iraq IQ IRQ Ireland IE IRL Isle of Man IM IMN Israel IL ISR Italy IT ITA Jamaica JM JAM Japan JP JPN Jersey JE JEY Jordan JO JOR Kazakhstan KZ KAZ Kenya KE KEN Kiribati KI KIR Korea (the Democratic People's Republic of) KP PRK Korea (the Republic of) KR KOR Kuwait KW KWT Kyrgyzstan KG KGZ Lao People's Democratic Republic (the) LA LAO Latvia LV LVA Lebanon LB LBN Lesotho LS LSO Liberia LR LBR Libya LY LBY Liechtenstein LI LIE Lithuania LT LTU Luxembourg LU LUX Macao MO MAC Madagascar MG MDG Malawi MW MWI Malaysia MY MYS Maldives MV MDV Mali ML MLI Malta MT MLT Marshall Islands (the) MH MHL Martinique MQ MTQ Mauritania MR MRT Mauritius MU MUS Mayotte YT MYT Mexico MX MEX Micronesia (Federated States of) FM FSM Moldova (the Republic of) MD MDA Monaco MC MCO Mongolia MN MNG Montenegro ME MNE Montserrat MS MSR Morocco MA MAR Mozambique MZ MOZ Myanmar MM MMR Namibia NA NAM Nauru NR NRU Nepal NP NPL Netherlands (Kingdom of the) NL NLD New Caledonia NC NCL New Zealand NZ NZL Nicaragua NI NIC Niger (the) NE NER Nigeria NG NGA Niue NU NIU Norfolk Island NF NFK North Macedonia MK MKD Northern Mariana Islands (the) MP MNP Norway NO NOR Oman OM OMN Pakistan PK PAK Palau PW PLW Palestine, State of PS PSE Panama PA PAN Papua New Guinea PG PNG Paraguay PY PRY Peru PE PER Philippines (the) PH PHL Pitcairn PN PCN Poland PL POL Portugal PT PRT Puerto Rico PR PRI Qatar QA QAT Romania RO ROU Russian Federation (the) RU RUS Rwanda RW RWA Réunion RE REU Saint Barthélemy BL BLM Saint Helena, Ascension and Tristan da Cunha SH SHN Saint Kitts and Nevis KN KNA Saint Lucia LC LCA Saint Martin (French part) MF MAF Saint Pierre and Miquelon PM SPM Saint Vincent and the Grenadines VC VCT Samoa WS WSM San Marino SM SMR Sao Tome and Principe ST STP Saudi Arabia SA SAU Senegal SN SEN Serbia RS SRB Seychelles SC SYC Sierra Leone SL SLE Singapore SG SGP Sint Maarten (Dutch part) SX SXM Slovakia SK SVK Slovenia SI SVN Solomon Islands SB SLB Somalia SO SOM South Africa ZA ZAF South Georgia and the South Sandwich Islands GS SGS South Sudan SS SSD Spain ES ESP Sri Lanka LK LKA Sudan (the) SD SDN Suriname SR SUR Svalbard and Jan Mayen SJ SJM Sweden SE SWE Switzerland CH CHE Syrian Arab Republic (the) SY SYR Taiwan (Province of China) TW TWN Tajikistan TJ TJK Tanzania, the United Republic of TZ TZA Thailand TH THA Timor-Leste TL TLS Togo TG TGO Tokelau TK TKL Tonga TO TON Trinidad and Tobago TT TTO Tunisia TN TUN Turkmenistan TM TKM Turks and Caicos Islands (the) TC TCA Tuvalu TV TUV Türkiye TR TUR Ukraine UA UKR United Arab Emirates (the) AE ARE United Kingdom of Great Britain and Northern Ireland (the) GB GBR United States Minor Outlying Islands (the) UM UMI United States of America (the) US USA Uruguay UY URY Uzbekistan UZ UZB Vanuatu VU VUT Venezuela (Bolivarian Republic of) VE VEN Viet Nam VN VNM Virgin Islands (British) VG VGB Virgin Islands (U.S.) VI VIR Wallis and Futuna WF WLF Western Sahara* EH ESH Yemen YE YEM Zambia ZM ZMB Zimbabwe ZW ZWE Åland Islands AX ALA Table 2: Location Guide Districts of Uganda No. District No. District No District No. District 1 Abim 31 Hoima 61 Kween 91 Ngora 2 Adjumani 32 Ibanda 62 Kyankwanzi 92 Ntoroko 3 Agago 33 Iganga 63 Kyegegwa 93 Ntungamo 4 Alebtong 34 Isingiro 64 Kyenjojo 94 Nwoya 5 Amolatar 35 Jinja 65 Lamwo 95 Otuke 6 Amudat 36 Kaabong 66 Lira 96 Oyam 7 Amuria 37 Kabale 67 Luuka 97 Pader 8 Amuru 38 Kabarole 68 Luwero 98 Paliisa 9 Apac 39 Kaberamaido 69 Lwengo 99 Rakai 10 Arua 40 Kalangala 70 Manafwa 100 Rubirizi 11 Budaka 41 Kaliro 71 Maracha 101 Rukungiri 12 Bududa 42 Kalungu 72 Masaka 102 Sembabule 13 Bugiri 43 Kamuli 73 Masindi 103 Serere 14 Buhweju 44 Kamwenge 74 Mayuge 104 Sheema 15 Buikwe 45 Kanungu 75 Mbale 105 Sironko 16 Bukedea 46 Kapchorwa 76 Mbarara 106 Soroti 17 Bukomansimbi 47 Kasese 77 Mitooma 107 Tororo 18 Bukwa 48 Katakwi 78 Mityana 108 Wakiso 19 Bulambuli 49 Kayunga 79 Moroto 109 Yumbe 20 Buliisa 50 Kibaale 80 Moyo 110 Zombo 21 Bundibugyo 51 Kiboga 81 Mpigi 111 Outside Uganda 22 Bushenyi 52 Kibuku 82 Mubende 112 Unknown 23 Busia 53 Kiruhura 83 Mukono

24 Butaleja 54 Kiryandongo 84 Nakapiripirit

25 Butambala 55 Kisoro 85 Nakaseke

26 Buvuma 56 Kitgum 86 Nakasongola

27 Buyende 57 Koboko 87 Namayingo

28 Dokolo 58 Kole 88 Namutumba

29 Gomba 59 Kotido 89 Napak

30 Gulu 60 Kumi 90 Nebbi

Table 3: Purpose Guide Purpose of remittances Explanation Family Support (Consumption)

• This is the most common purpose of remittances, where funds are sent to support family members for daily living expenses, such as:
• Food
• Clothing
• Housing (rent, utilities, etc.) Savings and Investments
• Remittances may be used for long-term financial goals, such as:
• Building or buying a home
• Starting or expanding a business
• Purchasing land or other assets
• Saving for future needs Community Development
• In some cases, remittances are pooled together by diaspora groups to fund community projects, such as:
• Building schools, hospitals, or religious centers
• Infrastructure development (roads, water systems, etc.)
• Supporting local charities or NGOs Emergency Support
• Remittances are often sent in response to emergencies, such as:
• Natural disasters (e.g., floods, droughts)
• Health crises (e.g., medical emergencies)
• Political or economic instability Education
• A significant portion of remittances is dedicated to education-related expenses, including:
• School fees
• Books and supplies
• Tuition for higher education or vocational training Healthcare
• Remittances are often used to cover healthcare costs, such as:
• Medical treatments
• Hospital bills
• Purchasing medicines Entrepreneurship and Business Development
• Some remittances are used to start or expand small businesses, contributing to local economic development. This includes:
• Capital for startups
• Purchasing equipment or inventory
• Expanding existing businesses Social and Cultural Events
• Remittances may also be used to fund social or cultural activities, such as:
• Weddings
• Funerals
• Religious ceremonies
• Festivals Table 4: Source of Funds Guide Source of funds Explanation Compensation of Employees Funds earned by individuals working abroad (e.g., wages, salaries and other benefits Personal Transfers
• Funds sent by individuals to family members or others in their home country, which may come from:
• Employment income
• Savings
• Gifts
• Pensions or social benefits Savings Funds accumulated from past income or earnings Investments Proceeds from the sale of investments or returns on investments (e.g., dividends, interest) Loans Funds borrowed by individuals or entities and sent as remittances Sale of Assets Funds generated from the sale of property, real estate, or other assets. Pensions and Social Benefits Funds received as retirement benefits or social security payments. Gifts and Donations Funds sent as gifts or charitable contributions. Other Income Miscellaneous sources of funds not covered by the above categories.

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