Charset
Following is said about character sets:
ACH file formats use the ASCII Character set. In XML messages, the UNICODE character set, encoded in UTF-8 (8-bit Unicode Transformation Format), is the official ISO 20022 character set that must be used. However, SWIFT added a rule to restrict the set of allowed characters to Basic Latin.
Basic Latin Character Set:
| Character | Description | 
| a - z | 26 small characters of the Latin alphabet | 
| A – Z | 26 capital characters of the Latin alphabet | 
| 0 - 9 | 10 numeric characters | 
| / | solidus (slash) | 
| - | hyphen | 
| ? | question mark | 
| ; | Colon | 
| ( | open parenthesis | 
| ) | close parenthesis | 
| . | full stop | 
| , | comma | 
| ‘ | apostrophe | 
| + | plus | 
| space | |
| = | equal to | 
| ! | exclamation mark | 
| “ | quotation mark | 
| % | percent | 
| & | ampersand | 
| * | asterisk | 
| < | less than | 
| > | greater than | 
| ; | semi-colon | 
| @ | at | 
| # | pound (hash) | 
| $ | dollar | 
| { | open curly bracket | 
| } | close curly bracket | 
| CR | carriage return | 
| LF | line feed | 
| [ | left square bracket | 
| ] | right square bracket | 
| \ | back slash | 
| _ | underscore | 
| ^ | circumflex | 
| ` | grave accent | 
| | | vertical line | 
| ~ | tilde | 
| a set of control characters |