ECB PUBLIC Questions and Answers Answer: RTGS is not looking up the account BIC for a multi-addressee internally, the BIC of the DCA Account Owner must be used in the payload. Example: BAH BAH FROM : BIC Bank B BAH TO : BIC Bank C (multi-addressee) Payload Previous Instructing Agent 1 : BIC Bank A Instructing Agent : BIC Bank B Instructed Agent : Account BIC of the relevant RTGS DCA for multi-addressee C, looked up from RTGS directory 7 www.ecb.europa.eu ©