Post on 06-Nov-2019
BAI Export Guide
2
Overview
The BAI (Bank Administration Institute) Data Export File in Commercial Banking Online follows the standard template for BAI Bank Statements.It replaces the BAI Download available from Corporate Online and is available for today’s transactions, yesterday’s transactions or for transactions across your chosen date range.This guide outlines the key changes from Corporate Online and file specification information for the new Commercial Banking Online Export File.
Important Information
Please use this information as the specification document to make changes required to your local processes, to avoid any problems in reconciliation after your move to Commercial Banking Online.
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How to download the BAI Export
The BAI Export is available from the Download Data Export screen in Commercial Banking Online.
Select the Export Type BAI and set the required date and account parameters for your export.
Further guidance is available from the Commercial Banking Online Support Centre
Using the BAI ExportWe recommend you use the BAI Export if you need to use transaction and balance data to complete reconciliations and other finance processes and currently use a Corporate Online BAI download file to do this.
If you need to view advices, create reports to view within Commercial Banking Online or export reports in a similar format to a traditional bank statement you should use the Reports section in Commercial Banking Online.
Guidance on the available Reports is available on the Commercial Banking Online Support Centre
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BAI Export File Structure
The formatting and content of each record in the BAI Export File will be different in Commercial Banking Online. The records included and numeric codes identifying these records will remain the same as in Corporate Online.
BAI Record Structure:
The BAI File is made of a series of records. Each entry within a record is separated by a comma (‘,’) and the end of each record is indicated by a forward slash (‘/’).
The table below shows the numeric code and definition for each record. Mandatory records will be included for every statement section. Optional records will appear based on the transactions included on the statement.
The image shows a sample of the BAI Export from Commercial Banking Online.
Record Code Record Name Record Name
01 File header M
02 Group header M
03 Account identifier and summary status M
16 Account transaction detail O (mandatory for all transactions)
88 Continuation of account transaction detail O (mandatory for all transactions)
49 Account trailer M
98 Group trailer M
99 File trailer M
01,00000000,000000000,180306, 1333,512608,,,2/
Day 1 02,,,1,181222,1333,USD,2/
Section for Account 1 with all transactions for Day 1
03,334455-11662277,GBP,015,360,,Z,045,360,,Z,972,360,,Z,974,360,,Z/16,169,121,Z,BENEFICIARY REFERE,TESTACCT,F/FLOW TESTACCT 88,BENEFICIARY REFERE 88,NCE LINE 1 35CHAXB 49,1977,5/
Section for Account 2 with all transactions for Day 1
03,334455-11882299,GBP,015,77,,Z,045,77,,Z,972,77,,Z,974,77,,Z/ 16,241,32,Z,,FROM A C,FROM A/C 88,12341260 321321 49,170,4/
98,2847,2,11/
Day 2 Section for Account 2 and all transactions it has on Day 2 (in this case no transaction booked to the account)
02,,,1,181222,1333,USD,2/
03,334455-11882299,GBP,015,77,,Z,045,77,,Z,972,77,,Z,974,77,,Z/ 49,11465,2/
98.12367.1.4/
99,77002,2,17/
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Corporate OnlineExample:
Commercial Banking OnlineExample:
01,corpline1,S1234567890IS,180417,1216,64,80,1,2/ 01,00000000,000000000,180306,1333,512608,,,2/
Sub Record Content Max
Char Format Sub Record Content Max
Char Format
1 01 record code – indicates start of file 2 ‘01’ 1 01 record code –
indicates start of file 2 ‘01’
2 Sender ID 9 Always ‘corpline1’ 2 Sender ID: always zero filled 9 Always ‘000000000’
3 Registration ID 13Corporate Online agreement number & ‘IS’
3 Registration ID: always zero filled 9 Always ‘000000000’
4 Date of export 8 YYMMDD 4 Date of export 8 YYMMDD
5 Time of export 4 HHMM (24 –hr clock) 5 Time of export 4 HHMM (24 –hr clock)
6 File Identification Number 5 NNNNN 6 File Identification
Number 13 NNNNNNNNNNNNN
7 Physical record length 5 NNNNN 7 Physical record length 0 -
8 Block size 5 NNNNN 8 Block size 0 -
9 Version number 1 Always ‘2’ 9 Version number 1 Always ‘2’
Record 01: File Header
In Corporate Online all sub-records were populated.
In Commercial Banking Online the ID fields and some extra information on the data included in the file are not provided.
BAI Record Content Changes
See how the content in each of BAI Records differs from Corporate Online in the tables below.
Important Information
In Corporate Online the BAI Export was only available for individual accounts. In Commercial Banking Online you are able to export a BAI File for multiple accounts, if needed.
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Corporate OnlineExample:
Commercial Banking OnlineExample:
02,S1234567890IS,corpline1,1,180319,2400,GBP,2/ 02,,00000001,1,171115,0916,GBP,2/
Sub Record Content Max
Char Format Sub Record Content Max
Char Format
102 record code – indicates start of each Bank’s report
2 ‘02’ 102 record code – indicates start of each Bank’s report
2 ‘02’
2 Corporate Online Agreement Number 13
Corporate Online Agreement Number & ‘IS’
2 Blank 0 Blank
3 Sender ID 9 Always ‘corpline1’ 3 Individual Bank’s identification number 9
NNNNNNNNN (000000001 = Lloyds Bank or 000000002 = Bank of Scotland)
4 Always 1 1 ‘1’ 4 Always 1 1 ‘1’
5 Date relating to individual Bank’s data 6 YYMMDD 5 Date relating to
individual Bank’s data 6 YYMMDD
6 Time (optional) 4 2400 6 Time (optional) 4 HHMM (24 –hr clock)
7 SWIFT currency code 3 CCC 7 SWIFT currency code 3 CCC
8 Always 2 1 ‘2’ 8 Always 2 1 ‘2’
Record 02: Group Header
In Corporate Online all sub-records were populated. In Commercial Banking Online the ID Fields are not provided.
BAI Export Guide
Record 03: Account Identifier & Summary StatusSort code & account number changes from SSSSSSAAAAAAAA on Corporate Online to SSSSSS-AAAAAAAA on Commercial Banking Online (a separating hyphen is included).
In Commercial Banking Online the first two characters of the sort code are included.
Funds Type is not populated on Corporate Online and is set to ‘Z’ on Commercial Banking Online.
Commercial Banking Online provides balances for codes 015, 045, 972, 974 and 990. Corporate Online provides balances for codes 015, 045 and 040. See table below for definitions of each code.
Corporate OnlineExample:
Commercial Banking OnlineExample:
03,177512345678,GBP,015,1170,,,045,1170,,,040,1170,,/ 03, 1234512345678,GBP,015,56,,Z,045,56,,Z,972,56,,Z,974,56,0,,Z,990,0,,Z/
Sub Record Content Max
Char Format Sub Record Content Max
Char Format
103 record code – indicates account information record
2 ‘03’ 103 record code – indicates account information record
2 ‘03’
2 Sort code & account number
13 or 15
Domestic accounts: SSSSAAAAAAAAInternational accounts: SSSSSSAAAAAAAA
2 Sort code & account number 15 SSSSSS-AAAAAAAA
3 ISO currency code 3 CCC 3 ISO currency code 3 CCC
4 BAI Balance code (see table below) 3 See table below 4 BAI Balance code (see
table below) 3 See table below
5* Amount signed in pence Vari-able NNNNNNNNNN 5* Amount signed in
penceVari-able NNNNNNNNNN
6* Blank 0 Blank 6* Blank 0 Blank
7* Funds Type 1 ‘Z’ 7* Funds Type 1 ‘Z’
* Sub-records will be repeated for each new balance type.
BAI Balance Codes
BAI Balance Code
Balance Type
Provided on Commercial Banking Online export
015 Closing Ledger Balance ✓
040 Opening Ledger Balance ✗
045 Closing Cleared Balance ✓
972 Projected Cleared Balance Day + 1 ✓
974 Projected Cleared Balance Day + 2 ✓
990 Total Uncleared Funds ✓
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Record 16 & Record 88: Account Transaction DetailDetail of these changes for these records can be found in the Transaction Narrative section.
Record 49: Account TrailerThe content for this record remains the same as on Corporate Online.
Record 98: Group Trailer
The content for this record remains the same as on Corporate Online.
Corporate OnlineExample:
Commercial Banking OnlineExample:
49,9358,3/ 49,224,3/
Sub Record Content Max
Char Format Sub Record Content Max
Char Format
1
49 record code – indicates end of account information as opened by record 03
2 ‘49’ 1
49 record code – indicates end of account information as opened by record 03
2 ‘49’
2
Total value of all balance and transaction amounts provided for the account
Vari-able NNNNNN 2
Total value of all balance and transaction amounts provided for the account
Vari-able NNNNNN
3Total number of 03, 16, 88 and 49 records for the account
Vari-able NNNNNN 3
Total number of 03, 16, 88 and 49 records for the account
Vari-able NNNNNN
Corporate OnlineExample:
Commercial Banking OnlineExample:
98,13726,6,14/ 98,0,2,6/
Sub Record Content Max
Char Format Sub Record Content Max
Char Format
1
98 record code – indicates end of record group (as started by 02 record)
2 98 1
98 record code – indicates end of record group (as started by 02 record)
2 98
2
Total value of all balance and transaction amounts provided for the group
Vari-able NNNNNNN 2
Total value of all balance and transaction amounts provided for the group
Vari-able NNNNNNN
3
Total number of accounts in the group (as started with the 03 record)
Vari-able NNNNNNN 3
Total number of accounts in the group (as started with the 03 record)
Vari-able NNNNNNN
4 Total number of records in the group
Vari-able NNNNNN 4 Total number of
records in the group Vari-able NNNNNN
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Record 99: File Trailer
The content for this record remains the same as on Corporate Online.
Corporate OnlineExample:
Commercial Banking OnlineExample:
99,163272,15,217/ 99,10055,3,46/
Sub Record Content Max
Char Format Sub Record Content Max
Char Format
199 record code – indicates end of export file
2 98 199 record code – indicates end of export file
2 98
2
Total value of all balance and transaction amounts provided in the file
Vari-able NNNNNNN 2
Total value of all balance and transaction amounts provided in the file
Vari-able NNNNNNN
3 Total number of groups in the file
Vari-able NNNNNNN 3 Total number of groups
in the fileVari-able NNNNNNN
4 Total number of records in the file
Vari-able NNNNNN 4 Total number of records
in the fileVari-able NNNNNN
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Transaction Type Code Changes
A BAI Transaction Code is included within the 16 record for each transaction in Commercial Banking Online. For some transactions this code has changed from Corporate Online as shown in the table below.
Transaction Type
Corporate Online BAI transaction code
Commercial Banking Online BAI transaction code
Faster Payment – Dr 699 548
Faster Payment – Cr 399 229
CHAPS – Dr 699 962
CHAPS – Cr 399 169
Bacs Single/Multiple – Dr 699 466
Bacs Single/Multiple – Cr 399 174
Inter-Account Transfer – Dr 699 566
Inter-Account Transfer – Cr 399 241
Euro & International Moneymover – Dr 699 699
Euro & International Moneymover – Cr 399 169
Cheque – Dr 699 475
Cheque – Cr 399 514
Card Transaction – Dr 699 468
Bank Giro Credit – Cr 399 201
ATM Withdrawal – Dr 699 445
Counter Withdrawal – Dr 699 508
ATM/Counter Deposit – Cr 399 201
Standing Order (Paid) – Dr 699 527
Standing Order (Received) – Cr 399 227
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Payment Category Payment Type Debit or Credit Page Number
Domestic Payments
Faster Payment Dr 12
Faster Payment Cr 14
CHAPS Dr 16
CHAPS Cr 18
BACS Single Dr 20
BACS Multiple Dr 22
BACS Cr 24
Inter-Account Transfer Dr 26
Inter-Account Transfer Cr 28
International PaymentsEuro & International MoneyMover Dr 30
Euro & International MoneyMover Cr 32
Non-channel Transactions
Cheque Dr 34
Cheque Cr 36
Card Transaction Dr 37
Bank Giro Credit Cr 39
ATM Withdrawal Dr 41
Counter Withdrawal Dr 43
ATM/Counter Deposit Cr 45
Standing Order Paid Dr 47
Standing Order Received Cr 49
Transaction Detail Changes
The following pages include descriptions for the 16 and 88 records Commercial Banking Online BAI Export.
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Transaction Detail Changes
Payment Type Faster Payments
Debit or Credit to the Account Dr
Record code 16
Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Faster Payment debits these records change on Commercial Banking in the following ways:
Funds TypeCorporate Online: Funds Type defaults to value ‘0’.Commercial Banking Online: Funds Type defaults to value ‘Z’.
Sub-records providedCorporate Online: this detail is provided within the 88 record.Commercial Banking Online: provides additional detail within the sub-records.
Transaction CodeCorporate Online: BAI Transaction Code is ‘699’.Commercial Banking Online: BAI Transaction Code is ‘548’.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
16,699,02,0,,,,/ 16,548,21,Z,200000000336491357,FASTERPAUMENTSCBOX,BENENAME
Sub Record Content Max Char [inc.
trailing spaces] Format Sub Record Content Max Char [inc.
trailing spaces] Format
1 BAI Transaction Code 3 ‘699’ 1 BAI Transaction
Code 3 ‘548’
2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN 2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN
3 Funds type 1 ‘0’ 3 Funds type 1 ‘Z’
4 Blank 0 Blank 4 Unique faster payment ID 18 NNNNNNNNNN
NNNNNNNN
5 Blank 0 Blank 5 Payment reference 18 Free text –
variable length
6 Blank 0 Blank 6 Beneficiary name 18 Free text – variable length
7 Blank 0 Blank
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Record code 88
Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions. For Faster Payment debits these records change on Commercial Banking in the following ways:
Record structureCorporate Online contains a single line with a detailed narrative for the transaction, with a set fixed length structure. Commercial Banking Online contains 7 separate lines for the 88 record.
Sub-records providedCorporate Online includes three character transaction code ‘FPO’.Commercial Banking Online provides additional sub-records for Transaction ID, Transaction ID Date and Advice Reference.
Today’s vs. historic statement
Corporate Online does not provide the Transaction Datetime on today’s statement. This information is available in Commercial Banking Online on today’s statement in sub-record 4.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
88,Sterling Transactions : FASTER EG ACCOUNT FPO100000000350039856 SAMPLE BENE ACC 123456 10 13APR18 15:19/
88,20000000033649135788,FASTERPAYMENTSCBOX88,123456 10 88,20FEB18 10:3488,TRNID=00000000016-1188,TRNIDDATE=2018022088,ADVREF=2000000003364913571018051GBP123456D
Line Sub Record Content
Max Char [inc. trailing spaces]
Format Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1
1Transaction Category Identifier
24
Either ‘Sterling Transactions : ‘ OR‘Currency Transaction : ’
1 1 Unique faster payment ID 18 Free text –
variable length
2
Beneficiary Name & Transaction Code
25 Free text – variable length 2 2 Payment
reference 18 Numeric – fixed length
3 Unique Faster Payment ID 25 Fixed length –
18 characters
3
3 Debit sort code 6 SSSSSS
4
Payment Reference, Remitter Sort Code & IFP Transaction Code
25 Free text – variable length 4
IFP Transaction code
2 Numeric – fixed length
5 Transaction datetime 15 DDMMMYYYY
HH:MI 4 5 Transaction datetime 13 DDMMMYY
HH:MM
5 6 Transaction ID 20 TRNID=NNNN NNNNNNN-NN
6 7TRNIDDATE + Value date (YYYYMMDD)
18 TRNIDDATE= YYYYMMDD
7 8 Advice Reference 35
Unique faster payment ID + transaction ID + 3 letters ISO currency code + Debit indicator
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Transaction Detail Changes
Payment Type Faster Payments
Debit or Credit to the Account Cr
Record code 16
Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Faster Payment credits these records change on Commercial Banking in the following ways:
Funds TypeCorporate Online: Funds Type defaults to value ‘0’.Commercial Banking Online: Funds Type defaults to value ‘Z’.
Sub-records providedCorporate Online: this detail is provided within the 88 record.Commercial Banking Online: provides additional detail within the sub-records.
Transaction CodeCorporate Online: BAI Transaction Code is ‘399’.Commercial Banking Online: BAI Transaction Code is ‘229’.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
16,399,15,0,,,,/ 16,229,15,Z,200000000336700000,DEBITACNAMETRIALGR,DEBITACNAMETRIALGR
Sub Record Content Max Char [inc.
trailing spaces] Format Sub Record Content Max Char [inc.
trailing spaces] Format
1 BAI Transaction Code 3 ‘699’ 1 BAI Transaction
Code 3 ‘229’
2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN 2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN
3 Funds type 1 ‘0’ 3 Funds type 1 ‘Z’
4 Blank 0 Blank 4 Unique faster payment ID 18 NNNNNNNNNN
NNNNNNNN
5 Blank 0 Blank 5 Payment reference 18 Free text –
variable length
6 Blank 0 Blank 6 Beneficiary name 18 Free text – variable length
7 Blank 0 Blank
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Record code 88
Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions. For Faster Payment credits these records change on Commercial Banking in the following ways:
Record structureCorporate Online contains a single line with a detailed narrative for the transaction, with a set fixed length structure. Commercial Banking Online contains 7 separate lines for the 88 record.
Sub-records providedCorporate Online includes three character transaction code ‘FPO’.Commercial Banking Online provides additional sub-records for Transaction ID, Transaction ID Date and Advice Reference.
Today’s vs. historic statement
Corporate Online does not provide the Transaction Datetime on today’s statement. This information is available in Commercial Banking Online on today’s statement in sub-record 4.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
88,Sterling Transactions : SAMPLEACCNAME FPIFPS PAYMENT REF X 200000000336700000 123456 10 21FEB18 10:24/
88,FPS PAYMENT REF X 88,20000000033670000088,123456 10 88,21FEB18 10:24 88,TRNID=00000000017-1288,TRNIDDATE=2018022188,ADVREF=2000000003367000001018052GBP301763C
Line Sub Record Content
Max Char [inc. trailing spaces]
Format Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1
1Transaction Category Identifier
24
Either ‘Sterling Transactions : ‘ OR‘Currency Transaction : ’
1 1 Payment reference 18 Numeric –
variable length
2
Debit Account Name & Transaction Code
25 Free text – variable length 2 2 Unique faster
payment ID 18 Free text – variable length
3 Unique Faster Payment ID 25 Fixed length –
18 characters
3
3 Debit sort code 6 [11] SSSSSS
4
Payment Reference, Debit Sort Code & IFP Transaction Code
25 Free text – variable length 4
IFP Transaction code
2 Numeric – fixed length
5 Transaction datetime 15 DDMMMYYYY
HH:MI 4 5 Transaction datetime 13 DDMMMYY
HH:MM
5 6 Transaction ID 20 TRNID=NNNNNN NNNNN-NN
6 7TRNIDDATE + Value date (YYYYMMDD)
18 TRNIDDATE= YYYYMMDD
7 8 Advice Reference 35
Unique faster payment ID + transaction ID + 3 letters ISO currency code + Debit indicator
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Transaction Detail Changes
Payment Type CHAPS
Debit or Credit to the Account Dr
Record code 16
Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For CHAPS debits these records change on Commercial Banking in the following ways:
Funds TypeCorporate Online: Funds Type defaults to value ‘0’.Commercial Banking Online: Funds Type defaults to value ‘Z’.
Sub-records providedCorporate Online: this detail is provided within the 88 record.Commercial Banking Online: provides additional detail within the sub-records.
Transaction CodeCorporate Online: BAI Transaction Code is ‘699’.Commercial Banking Online: BAI Transaction Code is ‘962’.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
16,699,02,0,,,,/ 16,962,121,Z,1004791305,BENENAME CB,BENENAME CB F/FLOW
Sub Record Content Max Char [inc.
trailing spaces] Format Sub Record Content Max Char [inc.
trailing spaces] Format
1 BAI Transaction Code 3 ‘699’ 1 BAI Transaction
Code 3 ‘962’
2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN 2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN
3 Funds type 1 ‘0’ 3 Funds type 1 ‘Z’
4 Blank 0 Blank 4
Payment ReferenceOr Auto-generated reference
10 NNNNNNNNNN
5 Blank 0 Blank 5 Beneficiary Name 11 Free text –
variable length
6 Blank 0 Blank 6 Beneficiary Name & F/FLOW 18 Free text –
variable length
7 Blank 0 Blank
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Record code 88
Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions. For CHAPS debits these records change on Commercial Banking in the following ways:
Record structureCorporate Online contains a single line with a detailed narrative for the transaction, with a set fixed length structure. Commercial Banking Online contains 4 or 5 separate lines for the 88 record, depending on the number of characters in the Payment Reference field.
Sub-records provided
Corporate Online includes the beneficiary name, F/FLOW identifier and transaction code ‘TFR’ which are not available on Commercial Banking Online.Commercial Banking Online provides additional sub-records for Transaction ID, Transaction ID Date and Advice Reference.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
88,Sterling Transactions : F\FLOW DEBITACNAME TFRCHAPS PAYMENT REFERENCE/
88,CHAPS PAYMENT REFE88, RENCE 88,TRNID=00000000018-388,TRNIDDATE=2018022288,ADVREF=123456123456781805300116DEBITACNAME
Line Sub Record Content
Max Char [inc. trailing spaces]
Format Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1
1Transaction Category Identifier
24
Either ‘Sterling Transactions : ‘ OR‘Currency Transaction : ’
1 & 2 (only
1 if fewer than
18 chars)
1
Payment referenceOr Auto-generated reference
36 Free text – variable length
2
Beneficiary Name & F/FLOW & Transaction Code
25 Free text – variable length 3 2 Transaction ID 20 TRNID=NNN
NNNNNNNN-NN
3 Payment Reference 36 Fixed length –
18 characters 4 3TRNIDDATE + Value date (YYYYMMDD)
18 TRNIDDATE =YYYYMMDD
5 4 Advice Reference 36
ADVREF= Free text – variable length
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Transaction Detail Changes
Payment Type CHAPS
Debit or Credit to the Account Cr
Record code 16
Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For CHAPS credits these records change on Commercial Banking in the following ways:
Funds TypeCorporate Online: Funds Type defaults to value ‘0’.Commercial Banking Online: Funds Type defaults to value ‘Z’.
Sub-records providedCorporate Online: detail is provided within the 88 record.Commercial Banking Online: provides additional detail within the sub-records.
Transaction CodeCorporate Online: BAI Transaction Code is ‘399’.Commercial Banking Online: BAI Transaction Code is ‘169’.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
16,399,116,0,,,,/ 16,169,116,Z,CHAPS PAYMENT REF ,REMITTERNAM,F/FLOW REMITTERNAM
Sub Record Content Max Char [inc.
trailing spaces] Format Sub Record Content Max Char [inc.
trailing spaces] Format
1 BAI Transaction Code 3 ‘699’ 1 BAI Transaction
Code 3 ‘169’
2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN 2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN
3 Funds type 1 ‘0’ 3 Funds type 1 ‘Z’
4 Blank 0 Blank 4 Payment Reference 18 NNNNNNNNNN
NNNNNNNN
5 Blank 0 Blank 5 Remitter Name 11 Free text – variable length
6 Blank 0 Blank 6 F/FLOW & Remitter Name 18 Free text –
variable length
7 Blank 0 Blank
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Record code 88
Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions. For CHAPS credits these records change on Commercial Banking in the following ways:
Record structureCorporate Online contains a single line with a detailed narrative for the transaction, with a set fixed length structure. Commercial Banking Online contains 5 separate lines for the 88 record.
Sub-records providedCorporate Online includes three character transaction code ‘TRF’.Commercial Banking Online provides additional sub-records for Transaction ID, Transaction ID Date and Advice Reference.
Record Specification:
Corporate OnlineExample:
88,Sterling Transactions : F\FLOW DEBITACNAME TFRCHAPS PAYMENT REFERENCE/
Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1
1Transaction Category Identifier
24
Either ‘Sterling Transactions : ‘ OR‘Currency Transaction : ’
2
F/FLOW & Remitter Name & Transaction Code
25 Free text – variable length
3 Payment Reference 36 Variable length –
36 characters
Commercial Banking OnlineExample:
88,CHAPS PAYMENT REFE88,RENCE88,TRNID=00000000018-388,TRNIDDATE=2018022288,ADVREF=123456123456781805300116DEBITACNAME
Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1 1 Unique faster payment ID 18 Free text –
variable length
2 2 Payment reference 18 Numeric –
fixed length
3
3 Debit sort code 6 SSSSSS
4IFP Transaction code
2 Numeric – fixed length
4 5 Transaction datetime 13 DDMMMYY
HH:MM
5 6 Transaction ID 20TRNID=NNN NNNNNNNN -NN
6 7TRNIDDATE + Value date (YYYYMMDD)
18 TRNIDDATE= YYYYMMDD
7 8 Advice Reference 35
Sort code + account number + YYMMDDHHMI + Account Name
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Transaction Detail Changes
Payment Type BACS Single
Debit or Credit to the Account Dr
Record code 16
Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For BACS Single debits these records change on Commercial Banking in the following ways:
Funds TypeCorporate Online: Funds Type defaults to value ‘0’.Commercial Banking Online: Funds Type defaults to value ‘Z’.
Sub-records providedCorporate Online: this detail is provided within the 88 record.Commercial Banking Online: provides additional detail within the sub-records.
Transaction CodeCorporate Online: BAI Transaction Code is ‘699’.Commercial Banking Online: BAI Transaction Code is ‘466’.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
16,699,29,0,,,,/ 16,466,29,Z,,PAYREF SAMPLE BACS,BENE ACCOUNT NAMEX
Sub Record Content Max Char [inc.
trailing spaces] Format Sub Record Content Max Char [inc.
trailing spaces] Format
1 BAI Transaction Code 3 ‘699’ 1 BAI Transaction
Code 3 ‘466’
2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN 2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN
3 Funds type 1 ‘0’ 3 Funds type 1 ‘Z’
4 Blank 0 Blank 4 Blank 0 -
5 Blank 0 Blank 5 Payment reference 18 Free text –
variable length
6 Blank 0 Blank 6 Beneficiary name 18 Free text – variable length
7 Blank 0 Blank
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Record code 88
Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions. For BACS Single debits these records change on Commercial Banking in the following ways:
Record structureCorporate Online contains a single line with a detailed narrative for the transaction, with a set fixed length structure. Commercial Banking Online contains 3 separate lines for the 88 record.
Sub-records providedCorporate Online includes two character transaction code 'DD' and the Beneficiary Name (which is only available in the 16 record in Commercial Banking Online).Commercial Banking Online provides additional sub-records for Transaction ID and Transaction ID Date.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
88,Sterling Transactions : BENE ACCOUNT NAMEX DDPAYMENT REF BACS X /
88,PAYMENT REF BACS X88,TRNID=00000000017-1488,TRNIDDATE=20180222
Line Sub Record Content
Max Char [inc. trailing spaces]
Format Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1
1Transaction Category Identifier
24
Either ‘Sterling Transactions : ‘ OR‘Currency Transaction : ’
1 1 Payment Reference 18 Free text –
variable length
2
Beneficiary Name & Transaction Code
25 Free text – variable length 2 2 Transaction ID 20 TRNID=NNN
NNNNNNNN-NN
3 Payment Reference 18 Fixed length –
18 characters 3 3TRNIDDATE + Value date (YYYYMMDD)
18 TRNIDDATE =YYYYMMDD
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22
Transaction Detail Changes
Payment Type BACS Multiple
Debit or Credit to the Account Dr
Record code 16
Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For BACS Multiple debits these records change on Commercial Banking in the following ways:
Funds TypeCorporate Online: Funds Type defaults to value ‘0’.Commercial Banking Online: Funds Type defaults to value ‘Z’.
Sub-records providedCorporate Online: detail is provided within the 88 record.Commercial Banking Online: provides additional detail within the sub-records.
Transaction CodeCorporate Online: BAI Transaction Code is ‘699’.Commercial Banking Online: BAI Transaction Code is ‘466’.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
16,699,103,0,,,,/ 16,466,30,Z,,REMITTER REFERENCE,PAYMENTS BAT 00040
Sub Record Content Max Char [inc.
trailing spaces] Format Sub Record Content Max Char [inc.
trailing spaces] Format
1 BAI Transaction Code 3 ‘699’ 1 BAI Transaction
Code 3 ‘466’
2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN 2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN
3 Funds type 1 ‘0’ 3 Funds type 1 ‘Z’ or ‘V’
4 Blank 0 Blank 4 Blank 0 Blank
5 Blank 0 Blank 5 Debit account reference 18 Free text –
variable length
6 Blank 0 Blank 6 Payment batch reference 18 Free text –
variable length
BAI Export Guide
23
Record code 88
Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions. For BACS Multiple debits these records change on Commercial Banking in the following ways:
Record structureCorporate Online contains a single line with a detailed narrative for the transaction, with a set fixed length structure. Commercial Banking Online contains 3 separate lines for the 88 record.
Sub-records providedCorporate Online includes two character transaction code 'DD' and the Payment Batch reference which is only available in the 16 record in Commercial Banking Online.Commercial Banking Online provides additional sub-records for Transaction ID and Transaction ID Date.
Record Specification:
Corporate OnlineExample:
88,Sterling Transactions : PAYMENTS BAT 00050 DDREMITTER REFERENCE /
Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1
1Transaction Category Identifier
24
Either ‘Sterling Transactions : ‘ OR‘Currency Transaction : ’
2Payment batch reference
18 [23]“PAYMENTS BAT ” + numeric (5 digits)
3 Transaction type code 2 ‘DD’
4 Payment Reference 18 Free text –
variable length
Commercial Banking OnlineExample:
88,REMITTER REFERENCE88,TRNID=00000000017-1688,TRNIDDATE=20180222
Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1 1 Debit account reference 18 Free text –
variable length
2 2 Transaction ID 20TRNID=NNNN NNNNNNN- NN
3 3 TRNIDDATE + Value date 17 TRNIDDATE=
YYYYMMDD
BAI Export Guide
24
Transaction Detail Changes
Payment Type BACS
Debit or Credit to the Account Cr
Record code 16
Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For BACS credits these records change on Commercial Banking in the following ways:
Funds TypeCorporate Online: Funds Type defaults to value ‘0’.Commercial Banking Online: Funds Type defaults to value ‘Z’.
Sub-records providedCorporate Online: detail is provided within the 88 record.Commercial Banking Online: provides additional detail within the sub-records.
Transaction CodeCorporate Online: BAI Transaction Code is ‘399’.Commercial Banking Online: BAI Transaction Code is ‘174’.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
16,399,41,0,,,,/ 16,174,41,Z,,PAY REF BACS M 1,DEBITACNAMETRIALGR
Sub Record Content Max Char [inc.
trailing spaces] Format Sub Record Content Max Char [inc.
trailing spaces] Format
1 BAI Transaction Code 3 ‘399’ 1 BAI Transaction
Code 3 ‘174’
2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN 2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN
3 Funds type 1 ‘0’ 3 Funds type 1 ‘Z’ or ‘V’
4 Blank 0 Blank 4 Blank 0 Blank
5 Blank 0 Blank 5 Payment reference 18 Free text –
variable length
6 Blank 0 Blank 6 Debit account name 18 Free text –
variable length
BAI Export Guide
25
Record code 88
Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions. For BACS credits these records change on Commercial Banking in the following ways:
Record structureCorporate Online contains a single line with a detailed narrative for the transaction, with a set fixed length structure. Commercial Banking Online contains 3 separate lines for the 88 record.
Sub-records providedCorporate Online includes three character transaction code ‘BGC’ and Debit Account Name which is only available in the 16 record on Commercial Banking Online.Commercial Banking Online provides additional sub-records for Transaction ID, Transaction ID Date.
Record Specification:
Corporate OnlineExample:
88,Sterling Transactions : DEBITACNAMETRIALGR BGCPAY REF BACS M 1 /
Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1
1Transaction Category Identifier
24
Either ‘Sterling Transactions : ‘ OR‘Currency Transaction : ’
2 Debit account name 18 [22] Free text –
variable length
3 Transaction type code 3 ‘BGC’
4 Payment reference 18 Free text –
variable length
Commercial Banking OnlineExample:
88,PAY REF BACS M 1 88,TRNID=00000000021-2188,TRNIDDATE=20180315
Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1 1 Payment reference 18 Free text –
variable length
2 2 Transaction ID 20 TRNID=NNNN NNNNNNN-NN
3 3 TRNIDDATE + Value date 17 TRNIDDATE=
YYYYMMDD
BAI Export Guide
26
Transaction Detail Changes
Payment Type Inter-Account Transfer
Debit or Credit to the Account Dr
Record code 16
Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Inter-Account Transfer debits these records change on Commercial Banking in the following ways:
Funds TypeCorporate Online: Funds Type defaults to value ‘0’.Commercial Banking Online: Funds Type defaults to value ‘Z’.
Sub-records providedCorporate Online: detail is provided within the 88 record.Commercial Banking Online: provides additional detail within the sub-records.
Transaction CodeCorporate Online: BAI Transaction Code is ‘699’.Commercial Banking Online: BAI Transaction Code is ‘566’.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
16,699,06,0,,,,/ 16,566,6,Z,,DRACREF,DRACREF
Sub Record Content Max Char [inc.
trailing spaces] Format Sub Record Content Max Char [inc.
trailing spaces] Format
1 BAI Transaction Code 3 ‘699’ 1 BAI Transaction
Code 3 ‘566’
2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN 2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN
3 Funds type 1 ‘0’ 3 Funds type 1 ‘Z’ or ‘V’
4 Blank 0 Blank 4 Blank 0 Blank
5 Blank 0 Blank 5 Payment reference 18 Free text –
variable length
6 Blank 0 Blank 6 Payment reference 18 Free text –
variable length
BAI Export Guide
27
Record code 88
Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions. For Inter-Account Transfer debits these records change on Commercial Banking in the following ways:
Record structureCorporate Online contains a single line with a detailed narrative for the transaction, with a set fixed length structure. Commercial Banking Online contains 3 separate lines for the 88 record.
Sub-records provided Commercial Banking Online provides additional sub-records for Transaction ID and Transaction ID Date Corporate Online includes three character transaction code ‘TFR’
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
88,Sterling Transactions : 1005434580 TFRTO 12345678 123456 /
88,TO 12345678 12345688,TRNID=00000000019-2188,TRNIDDATE=20180312
Line Sub Record Content
Max Char [inc. trailing spaces]
Format Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1
1Transaction Category Identifier
24
Either ‘Sterling Transactions : ‘ OR‘Currency Transaction : ’
1 1
‘TO’ + Beneficiary account number +Beneficiary sort code
18‘TO’ + AAAAAAAA + SSSSSS
2 Auto-generated ID 18 [22] Free text –
variable length 2 2 Transaction ID 20 TRNID=NNNN NNNNNNN-NN
3 Transaction type code 3 ‘TFR’ 3 3 TRNIDDATE +
Value date 17 TRNIDDATE =YYYYMMDD
4
‘TO’ + Beneficiary account number + Beneficiary sort code
21TO AAAAAAAA SSSSSS
BAI Export Guide
28
Transaction Detail Changes
Payment Type Inter-Account Transfer
Debit or Credit to the Account Cr
Record code 16
Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Inter-Account Transfer credits these records change on Commercial Banking in the following ways:
Funds TypeCorporate Online: Funds Type defaults to value ‘0’.Commercial Banking Online: Funds Type defaults to value ‘Z’.
Sub-records providedCorporate Online: detail is provided within the 88 record.Commercial Banking Online: provides additional detail within the sub-records.
Transaction CodeCorporate Online: BAI Transaction Code is ‘699’.Commercial Banking Online: BAI Transaction Code is ‘241’.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
16,399,06,0,,,,/ 16,241,6,Z,,BEREFLINE1,BEREFLINE1
Sub Record Content Max Char [inc.
trailing spaces] Format Sub Record Content Max Char [inc.
trailing spaces] Format
1 BAI Transaction Code 3 ‘399’ 1 BAI Transaction
Code 3 ‘241’
2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN 2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN
3 Funds type 1 ‘0’ 3 Funds type 1 ‘Z’ or ‘V’
4 Blank 0 Blank 4 Blank 0 -
5 Blank 0 Blank Blank 0 Blank Free text – variable length
6 Blank 0 Blank Blank 0 Blank Free text – variable length
BAI Export Guide
29
Record code 88
Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions. For Inter-Account Transfer credits these records change on Commercial Banking in the following ways:
Record structureCorporate Online contains a single line with a detailed narrative for the transaction, with a set fixed length structure. Commercial Banking Online contains 3 separate lines for the 88 record.
Sub-records providedCorporate Online includes three character transaction code ‘TFR’.Commercial Banking Online provides additional sub-records for Transaction ID and Transaction ID Date.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
88,Sterling Transactions : 1005434580 TFRFR 12345678 123456 /
88,FR 12345678 12345688,TRNID=00000000008-688,TRNIDDATE=20180312
Line Sub Record Content
Max Char [inc. trailing spaces]
Format Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1
1Transaction Category Identifier
24
Either ‘Sterling Transactions : ‘ OR‘Currency Transaction : ’
1 1
‘FR’ + Beneficiary account number +Beneficiary sort code
18‘FR’ + AAAAAAAA + SSSSSS
2 Auto-generated ID 18 [22] Free text –
variable length 2 2 Transaction ID 20 TRNID=NNNN NNNNNNN-NN
3 Transaction type code 3 ‘TFR’ 3 3 TRNIDDATE +
Value date 17 TRNIDDATE =YYYYMMDD
4
‘TO’ + Beneficiary account number + Beneficiary sort code
21FR AAAAAAAA SSSSSS
BAI Export Guide
30
Transaction Detail Changes
Payment Type Euro & International MoneyMover
Debit or Credit to the Account Dr
Record code 16
Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Euro & International MoneyMover debits these records change on Commercial Banking in the following ways:
Funds TypeCorporate Online: Funds Type defaults to value ‘0’.Commercial Banking Online: Funds Type defaults to value ‘Z’.
Sub-records providedCorporate Online: detail is provided within the 88 record.Commercial Banking Online: provides additional detail within the sub-records.
Transaction CodeCorporate Online: BAI Transaction Code is ‘699’ Commercial Banking Online: BAI Transaction Code is ‘699’
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
16,699,157,0,,,,/ 16,699,125,Z,FT195193869501,/,FT195193869501
Sub Record Content Max Char [inc.
trailing spaces] Format Sub Record Content Max Char [inc.
trailing spaces] Format
1 BAI Transaction Code 3 ‘699’ 1 BAI Transaction
Code 3 ‘699’
2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN 2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN
3 Funds type 1 ‘0’ 3 Funds type 1 ‘Z’ or ‘V’
4 Blank 0 Blank 4 ‘FT’ and generated ID 14 ‘FT’ + numeric
(fixed length)
5 Blank 0 Blank 5 Delimiter 0 ‘/’
6 Blank 0 Blank 6 ‘FT’ and generated ID 14 ‘FT’ + numeric
(fixed length)
BAI Export Guide
31
Record code 88
Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions. For Euro & International MoneyMover debits these records change on Commercial Banking in the following ways:
Record structureCorporate Online contains a single line with a detailed narrative for the transaction, with a set fixed length structure. Commercial Banking Online contains 4 separate lines for the 88 record.
Sub-records providedCorporate Online: the Advice Reference contains the foreign transaction ID.Commercial Banking Online provides additional sub-records for Transaction ID, Transaction ID Date and Advice Reference.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
88,Sterling Transactions : FT193723238501 FOREIGN /
88,FOREIGN 88,TRNID=00000000014-388,TRNIDDATE=2018051188,ADVREF=FT195193869501 GBP12345678
Line Sub Record Content
Max Char [inc. trailing spaces]
Format Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1
1Transaction Category Identifier
24
Either ‘Sterling Transactions : ‘ OR‘Currency Transaction : ’
1 1 “FOREIGN” 7 “FOREIGN”
2 ‘FT’ + auto-generated ID 14 [25] FT + Numeric 2 2 Transaction ID 20 TRNID=NNNN
NNNNNNN-NN
3 ‘FOREIGN’ 7 ‘FOREIGN’ 3 3 TRNIDDATE + Value date 17 TRNIDDATE
=YYYYMMDD
4 4
Advice Reference (Foreign transaction ID + Currency + debit account number)
Variable Free text – variable length
BAI Export Guide
32
Transaction Detail Changes
Payment Type Euro & International MoneyMover
Debit or Credit to the Account Cr
Record code 16
Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Euro & International MoneyMover credits these records change on Commercial Banking in the following ways:
Funds TypeCorporate Online: Funds Type defaults to value ‘0’.Commercial Banking Online: Funds Type defaults to value ‘Z’.
Sub-records providedCorporate Online: detail is provided within the 88 record.Commercial Banking Online: provides additional detail within the sub-records.
Transaction CodeCorporate Online: BAI Transaction Code is ‘699’.Commercial Banking Online: BAI Transaction Code is ‘169’.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
16,399,134,0,,,,/ 16,169,134,Z,,DEBITACNAME,F/FLOW DEBITACNAME
Sub Record Content Max Char [inc.
trailing spaces] Format Sub Record Content Max Char [inc.
trailing spaces] Format
1 BAI Transaction Code 3 ‘399’ 1 BAI Transaction
Code 3 ‘169’
2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN 2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN
3 Funds type 1 ‘0’ 3 Funds type 1 ‘Z’ or ‘V’
4 Blank 0 Blank 4 Payment reference 18 Free text –
variable length
5 Blank 0 Blank 5 Debit account name 11 Free text –
variable length
6 Blank 0 Blank 6 ‘F\FLOW’ 6 [7] ‘F\FLOW’
7 Debit account name 11 Free text –
variable length
BAI Export Guide
33
Record code 88
Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions. For Euro & International MoneyMover credits these records change on Commercial Banking in the following ways:
Record structureCorporate Online contains a single line with a detailed narrative for the transaction, with a set fixed length structure. Commercial Banking Online contains 3 separate lines for the 88 record.
Sub-records providedCorporate Online includes three character transaction code ‘TFR’.Commercial Banking Online provides additional sub-records for Transaction ID, Transaction ID Date and Advice Reference.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
88,Sterling Transactions : F\FLOW DEBITACNAME TFR /88,TRNID=00000000025-1388,TRNIDDATE=2018041388,ADVREF=123456123456781810300134DEBITACNAME
Line Sub Record Content
Max Char [inc. trailing spaces]
Format Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1
1Transaction Category Identifier
24
Either ‘Sterling Transactions : ‘ OR'Currency Transaction :'
1 1 Transaction ID 20 TRNID=NNNN NNNNNNN-NN
2 “F\FLOW” 6 [7] “F\FLOW” 2 2 TRNIDDATE + Value date 17 TRNIDDATE
=YYYYMMDD
3 Debit account name 11 [22] Free text –
variable length 3 3
Advice Reference (debit account number + debit account sort code + generated ID + debit account name)
Variable Free text – variable length
4 Transaction type code 3 ‘TFR’
BAI Export Guide
34
Transaction Detail Changes
Payment Type Cheque
Debit or Credit to the Account Dr
Record code 16
Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Cheque debits these records change on Commercial Banking in the following ways:
Funds TypeCorporate Online: Funds Type defaults to value ‘0’.Commercial Banking Online: Funds Type defaults to value ‘Z’.
Sub-records providedCorporate Online: this detail is provided within the 88 record.Commercial Banking Online: provides additional detail within the sub-records.
Transaction CodeCorporate Online: BAI Transaction Code is ‘699’.Commercial Banking Online: BAI Transaction Code is ‘475’.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
16,699,201,0,,,,/ 16,475,201,Z,,,000101
Sub Record Content Max Char [inc.
trailing spaces] Format Sub Record Content Max Char [inc.
trailing spaces] Format
1 BAI Transaction Code 3 ‘699’ 1 BAI Transaction
Code 3 ‘475’
2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN 2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN
3 Funds type 1 ‘0’ 3 Funds type 1 ‘Z’
4 Blank 0 Blank 4 Blank 0 Blank
5 Blank 0 Blank 5 Blank 0 Blank
6 Blank 0 Blank 6 Cheque ID (found on cheque book) 6 NNNNNN
BAI Export Guide
35
Record code 88
Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions. For Cheque debits these records change on Commercial Banking in the following ways:
Record structureCorporate Online contains a single line with a detailed narrative for the transaction, with a set fixed length structure. Commercial Banking Online contains 2 separate lines for the 88 record.
Sub-records providedCorporate Online: provides the Cheque ID (in the 16 record in Commercial Banking Online).Commercial Banking Online provides additional sub-records for Transaction ID and Transaction ID Date.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
88,Sterling Transactions : 000101 / 88,TRNID=00000000022-1588,TRNIDDATE=20180316
Line Sub Record Content
Max Char [inc. trailing spaces]
Format Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1
1Transaction Category Identifier
24
Either ‘Sterling Transactions : ‘ OR‘Currency Transaction : ’
1 1 Transaction ID 20 TRNID=NNNN NNNNNNN-NN
2Cheque ID (found on cheque book)
6 NNNNNN 2 2 TRNIDDATE + Value date 17 TRNIDDATE=
YYYYMMDD
BAI Export Guide
36
Transaction Detail Changes
Payment Type Cheque
Debit or Credit to the Account Cr
Record code 16
Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Cheque credits these records change on Commercial Banking in the following ways:
Funds TypeCorporate Online: Funds Type defaults to value ‘0’.Commercial Banking Online: Funds Type defaults to value ‘Z’.
Sub-records providedCorporate Online: detail is provided within the 88 record.Commercial Banking Online: provides additional detail within the sub-records.
Transaction CodeCorporate Online: BAI Transaction Code is ‘399’.Commercial Banking Online: BAI Transaction Code is ‘514’.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
16,399,200,0,,,,/ 16,514,200,,,,LOYD 109 FINSBURY
Sub Record Content Max Char [inc.
trailing spaces] Format Sub Record Content Max Char [inc.
trailing spaces] Format
1 BAI Transaction Code 3 ‘399’ 1 BAI Transaction
Code 3 ‘514’
2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN 2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN
3 Funds type 1 ‘0’ 3 Funds type 1 ‘Z’ or ‘V’
4 Blank 0 Blank 4 Blank 0 Blank
5 Blank 0 Blank 5 Blank 0 Blank
6 Blank 0 Blank 6 Blank 0 Blank
7Processing bank location/reference
18 Free text – variable length
Corporate OnlineExample:
Commercial Banking OnlineExample:
No 88 record is provided for Cheques Credit on Corporate Online No 88 record is provided for Cheques Credit on Commercial Banking Online
Line Sub Record Content
Max Char [inc. trailing spaces]
Format Line Sub Record Content
Max Char [inc. trailing spaces]
Format
Record code 88
Record Specification:
BAI Export Guide
37
Transaction Detail Changes
Payment Type Card Transactions
Debit or Credit to the Account Dr
Record code 16
Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Card Transactions these records change on Commercial Banking in the following ways:
Funds TypeCorporate Online: Funds Type defaults to value ‘0’.Commercial Banking Online: Funds Type defaults to value ‘Z’.
Sub-records providedCorporate Online: detail is provided within the 88 record.Commercial Banking Online: provides additional detail within the sub-records.
Transaction CodeCorporate Online: BAI Transaction Code is ‘699’.Commercial Banking Online: BAI Transaction Code is ‘468’.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
16,699,300,0,,,,/ 16,468,1000,,,,SAMPLE STORE 1234
Sub Record Content Max Char [inc.
trailing spaces] Format Sub Record Content Max Char [inc.
trailing spaces] Format
1 BAI Transaction Code 3 ‘699’ 1 BAI Transaction
Code 3 ‘468’
2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN 2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN
3 Funds type 1 ‘0’ 3 Funds type Blank Blank
4 Blank 0 Blank 4 Blank 0 Blank
5 Blank 0 Blank 5 Blank 0 Blank
6 Blank 0 Blank 6 Store reference 18 Free text – variable length
BAI Export Guide
38
Record code 88
Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions. For Card Transactions these records change on Commercial Banking in the following ways:
Record structureCorporate Online contains a single line with a detailed narrative for the transaction, with a set fixed length structure. Commercial Banking Online contains 2 separate lines for the 88 record.
Sub-records providedCorporate Online: provides the payment information (in the 16 record in Commercial Banking Online).Commercial Banking Online provides additional sub-records for Transaction ID and Transaction ID Date.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
88,Sterling Transactions : GROCERY STORE 6545 CD 1234 /
88,CD 501788,TRNID=00000000021-1688,TRNIDDATE=20180314
Line Sub Record Content
Max Char [inc. trailing spaces]
Format Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1
1Transaction Category Identifier
24
Either ‘Sterling Transactions : ‘ OR‘Currency Transaction : ’
1 1
Card transaction code & last 4 digits of payment card
7 CD NNNN
2 Beneficiary reference 18 [25] Free text –
variable length 2 2 Transaction ID 20 TRNID=NNNN NNNNNNN-NN
3Card transaction code
2 [3] ‘CD’ 3 3 TRNIDDATE + Value date 17 TRNIDDATE=
YYYYMMDD
4 Last 4 digit of payment card 4 NNNN
BAI Export Guide
39
Transaction Detail Changes
Payment Type Bank Giro Credit
Debit or Credit to the Account Cr
Record code 16
Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Bank Giro Credits these records change on Commercial Banking in the following ways:
Funds TypeCorporate Online: Funds Type defaults to value ‘0’.Commercial Banking Online: Funds Type defaults to value ‘Z’.
Sub-records providedCorporate Online: detail is provided within the 88 record.Commercial Banking Online: provides additional detail within the sub-records.
Transaction CodeCorporate Online: BAI Transaction Code is ‘399’.Commercial Banking Online: BAI Transaction Code is ‘201’.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
16,399,300,0,,,,/ 16,201,300,Z,,,500046
Sub Record Content Max Char [inc.
trailing spaces] Format Sub Record Content Max Char [inc.
trailing spaces] Format
1 BAI Transaction Code 3 ‘399’ 1 BAI Transaction
Code 3 ‘201’
2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN 2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN
3 Funds type 1 ‘0’ 3 Funds type 1 ‘Z’ or ‘V’
4 Blank 0 Blank 4 Blank 0 Blank
5 Blank 0 Blank 5 Blank 0 Blank
6 Blank 0 Blank 6 Bank Giro Credit reference 6 Numeric –
variable length
BAI Export Guide
40
Record code 88
Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions. For Bank Giro Credits these records change on Commercial Banking in the following ways:
Record structureCorporate Online contains a single line with a detailed narrative for the transaction, with a set fixed length structure. Commercial Banking Online contains 2 separate lines for the 88 record.
Sub-records providedCorporate Online provides the Bank Giro Credit ID (in the 16 record in Commercial Banking Online).Commercial Banking Online has additional sub-records for Transaction ID and Transaction ID Date.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
88,Sterling Transactions : 500046 / 88,TRNID=00000000021-1388,TRNIDDATE=20180314
Line Sub Record Content
Max Char [inc. trailing spaces]
Format Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1
1Transaction Category Identifier
24
Either ‘Sterling Transactions : ‘ OR‘Currency Transaction : ’
1 1 Transaction ID 20 TRNID=NNNN NNNNNNN-NN
2
Bank Giro Credit number (found on cheque book)
6 NNNNNN 2 2 TRNIDDATE + Value date 17 TRNIDDATE=
YYYYMMDD
BAI Export Guide
41
Transaction Detail Changes
Payment Type ATM Withdrawal
Debit or Credit to the Account Dr
Record code 16
Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For ATM Withdrawals these records change on Commercial Banking in the following ways:
Funds TypeCorporate Online: Funds Type defaults to value ‘0’.Commercial Banking Online: Funds Type defaults to value ‘Z’.
Sub-records providedCorporate Online: detail is provided within the 88 record.Commercial Banking Online: provides additional detail within the sub-records.
Transaction CodeCorporate Online: BAI Transaction Code is ‘699’.Commercial Banking Online: BAI Transaction Code is ‘445’.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
16,699,1000,0,,,,/ 16,445,1000,Z,,,LOYD FINSBURY PAVE
Sub Record Content Max Char [inc.
trailing spaces] Format Sub Record Content Max Char [inc.
trailing spaces] Format
1 BAI Transaction Code 3 ‘699’ 1 BAI Transaction
Code 3 ‘445’
2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN 2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN
3 Funds type 1 ‘0’ 3 Funds type 1 ‘Z’ or ‘V’
4 Blank 0 Blank 4 Blank 0 Blank
5 Blank 0 Blank 5 Blank 0 Blank
6 Blank 0 Blank 6Processing bank location/reference
18 Free text – variable length
BAI Export Guide
42
Record code 88
Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions. For ATM / Counter Withdrawals these records change on Commercial Banking in the following ways:
Record structureCorporate Online contains a single line with a detailed narrative for the transaction, with a set fixed length structure. Commercial Banking Online contains 3 separate lines for the 88 record.
Sub-records providedCorporate Online: provides the processing bank reference (in the 16 record in Commercial Banking Online).Commercial Banking Online provides additional sub-records for Transaction ID and Transaction ID Date.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
88,Sterling Transactions : LOYD FINSBURY PAVE CD 1234 14MAR18 /
88,CD 5713 14MAR18 88,TRNID=00000000021-1188,TRNIDDATE=20180314
Line Sub Record Content
Max Char [inc. trailing spaces]
Format Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1
1Transaction Category Identifier
24
Either ‘Sterling Transactions : ‘ OR‘Currency Transaction : ’
1 1
‘CD’ + last 4 digit of payment card + value date
18 ‘CD’ + NNNN + DDMMMYYY
2Processing bank location/reference
18 [25] Free text – variable length 2 2 Transaction ID 20 TRNID=NNNN
NNNNNNN-NN
3Card transaction code
2 [3] ‘CD’ 3 3 TRNIDDATE + Value date 17 TRNIDDATE=
YYYYMMDD
4 Last 4 digit of payment card 4 [5] NNNN
5 Value date 7 DDMMMYY
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43
Transaction Detail Changes
Payment Type Counter Withdrawal
Debit or Credit to the Account Dr
Record code 16
Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Counter Withdrawals these records change on Commercial Banking in the following ways:
Funds TypeCorporate Online: Funds Type defaults to value ‘0’.Commercial Banking Online: Funds Type defaults to value ‘Z’.
Sub-records providedCorporate Online: detail is provided within the 88 record.Commercial Banking Online: provides additional detail within the sub-records.
Transaction CodeCorporate Online: BAI Transaction Code is ‘699’.Commercial Banking Online: BAI Transaction Code is ‘508’.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
16,699,100,0,,,,/ 16,508,100,Z,,,TO 12345612345678
Sub Record Content Max Char [inc.
trailing spaces] Format Sub Record Content Max Char [inc.
trailing spaces] Format
1 BAI Transaction Code 3 ‘699’ 1 BAI Transaction
Code 3 ‘508’
2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN 2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN
3 Funds type 1 ‘0’ 3 Funds type 1 ‘Z’ or ‘V’
4 Blank 0 Blank 4 Blank 0 Blank
5 Blank 0 Blank 5 Blank 0 Blank
6 Blank 0 Blank 6 “TO ” 3 Free text – variable length
7 Sort code & Account Number 14 SSSSSS
AAAAAAAA
BAI Export Guide
44
Record code 88
Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions. For Counter Withdrawals these records change on Commercial Banking in the following ways:
Record structureCorporate Online contains a single line with a detailed narrative for the transaction, with a set fixed length structure. Commercial Banking Online contains 3 separate lines for the 88 record.
Sub-records providedCorporate Online: provides the processing bank reference (in the 16 record in Commercial Banking Online).Commercial Banking Online provides additional sub-records for Transaction ID and Transaction ID Date.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
88,Sterling Transactions : TO 12345612345678 88,TRNID=00000000012-988,TRNIDDATE=20180314
Line Sub Record Content
Max Char [inc. trailing spaces]
Format Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1
1Transaction Category Identifier
24
Either ‘Sterling Transactions : ‘ OR‘Currency Transaction : ’
1 1 Transaction ID 20 TRNID=NNNN NNNNNNN-NN
2 “TO ” 3 Free text – Fixed length 2 2 TRNIDDATE +
Value date 17 TRNIDDATE=Y YYYMMDD
3Sort code & Account Number
14 SSSSSS AAAAAAAA
BAI Export Guide
45
Transaction Detail Changes
Payment Type ATM / Counter Deposit
Debit or Credit to the Account Cr
Record code 16
Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For ATM / Counter Deposits these records change on Commercial Banking in the following ways:
Funds TypeCorporate Online: Funds Type defaults to value ‘0’.Commercial Banking Online: Funds Type defaults to value ‘Z’.
Sub-records providedCorporate Online: detail is provided within the 88 record.Commercial Banking Online: provides additional detail within the sub-records.
Transaction CodeCorporate Online: BAI Transaction Code is ‘399’.Commercial Banking Online: BAI Transaction Code is ‘201’.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
16,399,100,0,,,,/ 16,201,100,Z,,,AC 12345612345678
Sub Record Content Max Char [inc.
trailing spaces] Format Sub Record Content Max Char [inc.
trailing spaces] Format
1 BAI Transaction Code 3 ‘399’ 1 BAI Transaction
Code 3 ‘201’
2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN 2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN
3 Funds type 1 ‘0’ 3 Funds type 1 ‘Z’ or ‘V’
4 Blank 0 Blank 4 Blank 0 Blank
5 Blank 0 Blank 5 Blank 0 Blank
6 Blank 0 Blank 6‘AC’ + debit sort code + debit account number
17 ‘AC ’ + SSSSSS + AAAAAAAA
BAI Export Guide
46
Record code 88
Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions. For ATM / Counter Deposits these records change on Commercial Banking in the following ways:
Record structureCorporate Online contains a single line with a detailed narrative for the transaction, with a set fixed length structure. Commercial Banking Online contains 2 separate lines for the 88 record.
Sub-records providedCorporate Online: provides account details (in the 16 record in Commercial Banking Online).Commercial Banking Online provides additional sub-records for Transaction ID and Transaction ID Date.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
88,Sterling Transactions : AC 12345612345678 / 88,TRNID=00000000021-888,TRNIDDATE=20180314
Line Sub Record Content
Max Char [inc. trailing spaces]
Format Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1
1Transaction Category Identifier
24
Either ‘Sterling Transactions : ‘ OR‘Currency Transaction : ’
1 1 Transaction ID 20 TRNID=NNNN NNNNNNN-NN
2
‘AC’ + debit sort code + debit account number
AC SSSSSSAA AAAAAA
2 2 TRNIDDATE + Value date 17 TRNIDDATE=
YYYYMMDD
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47
Transaction Detail Changes
Payment Type Standing Order (Paid)
Debit or Credit to the Account Dr
Record code 16
Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Standing Order (Paid) these records change on Commercial Banking in the following ways:
Funds TypeCorporate Online: Funds Type defaults to value ‘0’.Commercial Banking Online: Funds Type defaults to value ‘Z’.
Sub-records providedCorporate Online: detail is provided within the 88 record.Commercial Banking Online: provides additional detail within the sub-records.
Transaction CodeCorporate Online: BAI Transaction Code is ‘699’.Commercial Banking Online: BAI Transaction Code is ‘527’.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
16,699,100,0,,,,/ 16,527,100,Z,,,SOCGR617
Sub Record Content Max Char [inc.
trailing spaces] Format Sub Record Content Max Char [inc.
trailing spaces] Format
1 BAI Transaction Code 3 ‘699’ 1 BAI Transaction
Code 3 ‘527’
2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN 2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN
3 Funds type 1 ‘0’ 3 Funds type 1 ‘Z’ or ‘V’
4 Blank 0 Blank 4 Blank 0 Blank
5 Blank 0 Blank 5 Blank 0 Blank
6 Blank 0 Blank 6 Beneficiary account name 11 Free text –
variable length
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48
Record code 88
Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions. For Standing Order (Paid) these records change on Commercial Banking in the following ways:
Record structureCorporate Online contains a single line with a detailed narrative for the transaction, with a set fixed length structure. Commercial Banking Online contains 2 separate lines for the 88 record.
Sub-records providedCorporate Online: includes two character transaction code 'SO' and Beneficiary Account Name which is only available in the 16 record in Commercial Banking Online. Commercial Banking Online provides additional sub-records for Transaction ID and Transaction ID Date.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
88,Sterling Transactions : SOCGR617 SO / 88,TRNID=00000000026-1188,TRNIDDATE=20180418
Line Sub Record Content
Max Char [inc. trailing spaces]
Format Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1
1Transaction Category Identifier
24
Either ‘Sterling Transactions : ‘ OR‘Currency Transaction : ’
1 1 Transaction ID 20 TRNID=NNNN NNNNNNN-NN
2 Beneficiary account name 11 [23] Free text –
variable length 2 2 TRNIDDATE + Value date 17 TRNIDDATE=
YYYYMMDD
3 Transaction type code 2 ‘SO’
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49
Transaction Detail Changes
Payment Type Standing Order (Received)
Debit or Credit to the Account Cr
Record code 16
Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Standing Order (Received) these records change on Commercial Banking in the following ways:
Funds TypeCorporate Online: Funds Type defaults to value ‘0’.Commercial Banking Online: Funds Type defaults to value ‘Z’.
Sub-records providedCorporate Online: detail is provided within the 88 record.Commercial Banking Online: provides additional detail within the sub-records.
Transaction CodeCorporate Online: BAI Transaction Code is ‘399’.Commercial Banking Online: BAI Transaction Code is ‘227’.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
16,399,100,0,,,,/ 16,227,100,Z,,,SOCGR1135
Sub Record Content Max Char [inc.
trailing spaces] Format Sub Record Content Max Char [inc.
trailing spaces] Format
1 BAI Transaction Code 3 ‘399’ 1 BAI Transaction
Code 3 ‘227’
2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN 2Amount signed in pence (e.g. 21 = £0.21)
Variable NNNNNN
3 Funds type 1 ‘0’ 3 Funds type 1 ‘Z’ or ‘V’
4 Blank 0 Blank 4 Blank 0 Blank
5 Blank 0 Blank 5 Blank 0 Blank
6 Blank 0 Blank 6 Debit account name 11 Free text –
variable length
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50
Record code 88
Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions. For Standing Order (Received) these records change on Commercial Banking in the following ways:
Record structureCorporate Online contains a single line with a detailed narrative for the transaction, with a set fixed length structure. Commercial Banking Online contains 3 separate lines for the 88 record.
Sub-records providedCorporate Online: includes two character transaction code ‘SO’ and Beneficiary Account Name which is only available in the 16 record in Commercial Banking Online. Commercial Banking Online provides additional sub-records for Transaction ID and Transaction ID Date.
Record Specification:
Corporate OnlineExample:
Commercial Banking OnlineExample:
88,Sterling Transactions : SOCGR1135 SOCMG4 /88,CMG4 88,TRNID=00000000026-1088,TRNIDDATE=20180418
Line Sub Record Content
Max Char [inc. trailing spaces]
Format Line Sub Record Content
Max Char [inc. trailing spaces]
Format
1
1Transaction Category Identifier
24
Either ‘Sterling Transactions : ‘ OR‘Currency Transaction : ’
1 1 CMG Code 4 Free text – variable length
2 Beneficiary account name 11 [23] Free text –
variable length 2 2 Transaction ID 20 TRNID=NNNN NNNNNNN-NN
3 Transaction type code 2 ‘SO’ 3 3 TRNIDDATE +
Value date 17 TRNIDDATE= YYYYMMDD
4 4 Free text – variable length
Find out more
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The Isle of Man branch of Lloyds Bank International Limited is licensed by the Isle of Man Financial Services Authority to conduct deposit-taking and investment business and is also registered as an insurance intermediary in respect of general business.
The Guernsey branch of Lloyds Bank International Limited is licensed to conduct banking, investment and insurance intermediary business by the Guernsey Financial Services Commission under the Banking Supervision (Bailiwick of Guernsey) Law 1994, the Protection of Investors (Baiilwick of Guernsey) Law 1987 and the Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law 2002.
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