CREMUL — EDIFACT Multiple Credit Advice Message (D.10A)

The CREMUL message is the multiple credit advice sent by a bank to its customer: it bundles in a single message several credit operations affecting the beneficiary’s account — incoming transfers, cash deposits, cheque or draft collections — with the originating references and the per-operation details. It is central to treasury-side reconciliation. This page summarises the segment structure as published by UN/CEFACT for directory D.10A.

Purpose

The CREMUL message is the multiple credit advice sent by a bank to its customer: it bundles in a single message several credit operations affecting the beneficiary’s account — incoming transfers, cash deposits, cheque or draft collections — with the originating references and the per-operation details. It is central to treasury-side reconciliation.

This page focuses on the structure published by UN/CEFACT for directory D.10A. The segments listed, their status (M / C), position and repetition factor are extracted from the official file cremul_c.htm hosted on service.unece.org.

Segment structure

The CREMUL D.10A message has 124 header entries, 0 detail entries and 0 summary entries (segments and groups combined). Groups are shown in bold and their members are indented by actual nesting depth.

Header

Detail

No segment in this section.

Summary

No segment in this section.

Changes vs D.96A

Top-level differences between D.96A and D.10A for the CREMUL message (segments directly inside header / detail / summary, ignoring nested groups). The comparison is indicative: a given tag may have evolved inside nested groups without showing up in this synthesis.

Segments added vs D.96A

• GEI in the header section (status M, repeat ×1) — not present at the top of the corresponding D.96A section.

Segments removed vs D.96A

• GIS in the header section — present in D.96A but missing in D.10A at the same level.

Structural example

Minimal example of an CREMUL D.10A message with mandatory segments only. The goal is to show the exact version declared in UNH (CREMUL:D:10A:UN) — not to replicate a full business case (see the CREMUL D.96A page for an annotated example).

UNB+UNOC:3+5410000000123:14+5410000000456:14+260514:1430+CTRL010001'
UNH+1+CREMUL:D:10A:UN'
BGM+435+CREMUL-2026-C-0421+9'
DTM+137:20260514:102'
DTM+209:20260516:102'
RFF+AEK:STMT-2026-04-16'
FII+MS+FR7630001007941234567890185:CCBPFRPPVER:25+EDIVERSE SAS'
NAD+MS+5410000000123::9'
NAD+MR+5410000000456::9'
LIN+1'
MOA+98:1240.00:EUR'
FII+OR+FR7610107001011234567890123:CCBPFRPPNAN:25+SUPPLIER ONE'
RFF+AEK:INV-2026-7811'
DTM+171:20260512:102'
UNS+S'
MOA+86:1240.00:EUR'
CNT+39:1'
UNT+17+1'
UNZ+1+CTRL010001'

Common errors

• Misaligned UNH tokens — The UNH+...+CREMUL:D:10A:UN token must reflect exactly the directory in use — a mismatch between the UNH release and the release agreed with the partner is rejected by every strict validator.
• Wrong UNT segment count — The value after UNT+ must include UNH and UNT themselves. By far the most common sender-side error, regardless of the directory in use.
• Stale code lists — Between D.96A and D.10A, several code lists received new qualifiers (DTM status, RFF qualifier, NAD codes…). Reusing an older directory’s code tables triggers warnings or even rejections depending on the partner’s strict-conformance mode.

Related messages

Other versions of this message available on ediverse.io: CREMUL D.96A, CREMUL D.01B, CREMUL D.16B, CREMUL D.21B, CREMUL D.24A, CREMUL D.99B, CREMUL D.05A, CREMUL D.08A, CREMUL D.18B.

X12 functional equivalent: X12 820.

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