Combination of SWIFTNet and SWIFTNet FIN also is a step on a way to reduction of complexity of means of operational processing (financial transactions) and movement towards their optimisation. One SWIFT terminal established at the client is used for an exchange of internal and international messages with all serving banks. Message transmission services SWIFTNet offer protected interactive (in a real time mode) exchange of messages the file transfer mechanism and the mechanism of interactive access to the data (browsing) based on use of SWIFTNet Link (SNL) and SWIFTNet Public Key Infrastructure (PKI) - the necesary for safety SWIFT software. The Service bureau is the non-financial organisation created under direct control and annual audit by SWIFT (Belgium). Theoretically for payment fulfilment in Europe it is enough to know a SWIFT code of a bank and IBAN code of the addressee. Way to the further perfection and decrease in expenses Special service of SWIFT - MACUG (Member Administered Closed User Group - the Closed group of users under the direction of Member of SWIFT) was created for this purpose. For reduction of cost of connection and the costs connected both with a technical aspect and with management of SWIFT complex Service bureaus will be organised in the countries .