What is the difference between the sending bank and receiving bank?¶

The sending bank records how funds left the payer's account; the receiving bank records credit to the destination and subsequent activity. Their evidence is complementary, not duplicated.

Each institution observes its own side¶

Sending records can include instruction, channel, device, authentication, beneficiary creation and risk alerts. Receiving records can show holder relationship, credit, review and onward transfer. Their times and descriptions may differ because they represent separate stages.

Neither side automatically identifies the human operator: successful authentication and named ownership both require attribution evidence.

Join the records¶

Preserve references, amounts, currencies and time bases from both sides and ask each bank to define its role and fields. Include intermediary institutions or processors where the route requires them.

Use the sending evidence to explain creation and the receiving evidence to explain arrival and onward value.