ECS Intl BAI spec document revised July 2009.....

BAI – Bank Administration Institute File Format specification For the Payment Network

Version 5.00 July 2009

Copyright Bank of America 1 .BAI – Bank Administration Institute File Format specification for the Payment Network Table of Contents July 2009 Table of Contents Overview BAI File Format Specification Record Sequence BAI Version 2 Record Types and Fields Sample BAI Version 2 File – Balances and Details BAI Codes 1 2 3 4 4 9 11 11-2004.

Copyright Bank of America 2 . The following information is provided for users who wish to receive their account data in a BAI format via the payment network: ν ν BAI File Format Specification Descriptions of codes. summary. BAI Codes for Previous Day Reporting Easy-to-use charts providing descriptions of the codes. 11-2004. and detail items.BAI – Bank Administration Institute File Format specification for the Payment Network Overview July 2009 BAI2 is the format option available when receiving a BAI file via Bank of America’s payment network. and items specific to Bank of America’s implementation of BAI. formats. which identify status. You can open BAI2 in many treasury workstations and accounting software packages.

Amounts include two digits to the right of the decimal point. The remainder of a physical record after the end of the logical text must be filled with blanks. Describes amounts/counts: summary. An individual transmission is comprised of single files. ‘. If data is not available for a type code or transaction code. ν ν ν Special Items The following items are specific to Bank of America’s implementation of BAI: ν ν ν ν Individual transmission. Codes ν ν Record code. Only one file header (01) and one file trailer (99) will appear. The sign (where applicable) and the amount are included in the same field.BAI – Bank Administration Institute File Format specification for the Payment Network BAI File Format Specification July 2009 Descriptions are provided below of the selected records from a BAI2 file and what they mean to the user. Text delimiter. Valid zero amounts and/or counts are reported. Detail data is transmitted via record type 16 only. 11-2004. Used only at the end of the logical data in a physical record or as part of a description field.. the text of a detail record (16) may end with the last character of the text string—a slash ( / ) need not be present if the next record type is any type except a continuation (88). the sign. nor the amount will be reported. Copyright Bank of America 3 . but not the decimal point itself. The codes are the same as Society for Worldwide Interbank Financial Telecommunications (SWIFT) codes. The code has a maximum length of three characters. 12345=$123. The range of the type code (maximum four digits) differentiates summary/status descriptors from debit descriptors and credit descriptors. Default field. Currency code. status. Slash.’). Defines the currency being used.45. File transmission. ) or slash ( / ). Field delimiter. Free format within records. Only complete files will be transmitted. not partial files. Data not available. For example. or detail. For example. Type code. neither the code. For record code 16 (detail) or 88 (continuation) the text delimiter will be any record code except 88. Comma ( . Identified by adjacent delimiters (for example. Decimal point. Bank of America does not utilize record types 15 or 17. These should be used in conjunction with the example file provided further on in this document. File maximum. Defines the position of fields in a record and the field formats. not separated by a comma. Files will have a maximum of 80 characters per record. The record code includes two digits and a comma to delimit it from the first field in the record. Detail data transmission. ν Formats ν ν ν ν ν Field. Sign and amount.

”) / Recipient of file (recipient’s Company name as per setup) YYMMDD format Military format (2400) Always 1 for each new day – requests for remaps will obtain a new file number Number of characters in each record.Statement date Always “2359” Not used. always null (“. including record identifier (Always 80) Number of physical records in a block Always = one (1) Identifies file version for BAI file always = two (2) / 11-2004. Copyright Bank of America 4 .BAI – Bank Administration Institute File Format specification for the Payment Network Record Sequence Data files sent from the payment network will contain records in this sequence: July 2009 01 File Header 02 Group Header 03 Account Identifier 88 Continuation .Summary Status 16 Transaction Detail (optional) 88 Continuation (optional) 49 Account Trailer 98 Group Trailer 99 File Trailer BAI Version 2 Record Types and Fields The charts below contain field names and descriptions for each record type. 01 – File header Field Name Field Description Sender identification 121000358 in all instances Receiver identification File creation date File creation time File sequence number Physical record length Blocking factor Version number End of Record 02 – Group Header Field Name Ultimate receiver identification Originator identification Group status As-Of date As-Of time Currency code End of Record Field Description Final receiver of file (recipient’s company name as per setup) Originator of file (originator’s ABA or SWIFT id depending on the location of the account ) 1 = Original YYMMDD ..

– For full list of available codes refer to Page 11 Negative = ‘–’ symbol Positive = ‘+’ symbol If no symbol precedes the amount. The Type Codes may appear in any order. Copyright Bank of America 5 . Optional. No implied decimal. then the next three fields are: 1) immediate availability 2) one day availability 3) over one day availability V = value dated If V. then the next two fields are: 1) value date (YYMMDD) 2) value time (always 0000) D = distributed availability If D.a. the default sign is positive.. The Type Code. Field Name Commercial account number Currency code Type code Sign Field Description Client commercial account number at Bank of America or other originating bank SWIFT currency code Identifies summary or status field. the next field indicates the number of availability distributions. Currency amount expressed without decimal: $$$cc Optional. default value = null (“.. integer field. The next two fields (and each succeeding pair of fields) indicate the number of days and the amount available. and Amount fields are repeated as necessary to meet all requested summary status information types. Format: "X.$" X = number of distributions a = availability in days (integer) $ = available amount End of Record / 11-2004.”) Note: International accounts will always use V Amount Item count Funds type Types possible: Z = availability unknown 0 = immediate (zero) availability 1 = one day availability 2 = two-or-more day availability S = availability distributed If S.a. respectively. Default value for unknown = null (“.BAI – Bank Administration Institute File Format specification for the Payment Network 03 – Account Identifier and Summary Status July 2009 The following record is used for balance and summary reporting.$. Sign.”).

The format of the continuation record continues the same format as the record immediately preceding it. Copyright Bank of America 6 . There can be multiple instances depending on the amount of data available 11-2004.BAI – Bank Administration Institute File Format specification for the Payment Network July 2009 88 – Continuation Field Name Continuation Field Description The continuation record is used as an overflow record.

Copyright Bank of America 7 . the next field indicates the number of availability distributions.. cannot contain a comma (". respectively. cannot contain a comma (". The next two fields (and each succeeding pair of fields) indicate the number of days and the amount available. default value = null (“. There can be multiple instances depending on the amount of data available 11-2004.”) Note: International accounts will always use V Types possible: Z = availability unknown 0 = immediate (zero) availability 1 = one day availability 2 = two day availability S = availability distributed If S.$.$" X = number of distributions a = availability in days (integer) $ = available amount Reference number Alphanumeric field.") or a 1 slash ("/") Reference number Alphanumeric field. The format of the continuation record continues the same format as the record immediately preceding it.a.a. Field Name Type code Amount Funds type Field Description Identifies detail transaction Always positive (unsigned) – expressed without decimal point: $$$$cc Optional. then the next two fields are: 1) value date (YYMMDD) 2) value time (always 0000) D = distributed availability If D. Format: "X.") or a 2 slash ("/") End of record / 88 – Continuation Field Name Continuation Field Description The continuation record is used as an overflow record. then the next three fields are: 1) immediate availability 2) one day availability 3) over one day availability V = value dated If V.BAI – Bank Administration Institute File Format specification for the Payment Network 16 – Transaction Detail July 2009 The following record is used to provide detail information and may include free-form alphanumeric text.

49. including the 03 record and all 16 and 88 records and including this account trailer 49 record. Copyright Bank of America 8 . and 88 associated with this account July 2009 Number of records The total number of records in the account. 49.16. 03.02. and 88 records and including this account trailer 98 record.03.88. all 16. Field Name Field Description / Group control total Algebraic sum of account control totals (record 49) Number of accountsNumber of 03 records in this group Number of records The total number of records in the group. Field Name Account control total Field Description Algebraic sum of all amounts in record codes 03. 16. End of Record / 99 – File Trailer The following record provides file control totals. End of Record 98 – Group Trailer The following record accumulates group control totals. Field Name File control total Field Description Algebraic sums of group totals (record 98) Number of groups Number of groups in this file (represented by 02 and 98 pairs) Number of records Total number of records in the file including the 01.BAI – Bank Administration Institute File Format specification for the Payment Network 49 – Account Trailer The following record accumulates control totals per account.98 and 99 records End of record / 11-2004. including the 02.

fab1..NO BENEFICIARY INFORMATION PROVIDED BANK GIRO CRED 88.0000.80.113781251.V./IVD-11 MAR 16.121000358.169.050318.2000 2000026158.0000.XY COMPANY LTD SARL INV NO 3003006627 88.TRF/REF 6008AQS17050976 88.0.169.050311./ 88.XY COMPANY LTD SARL INV NO 3003005695 88..939370.1692000.TRF/REF 6008AQS17051404 88.2000 2000026158 30 BANK GIRO CREDIT SUBJECT TO FIN 88./ 88.INV 3003006237 88.050311.0000.V.XY COMPANY LTD 88.010.BOFAGB22.0502289683DSS ADM 600304 91271010 88.25200000.169.32744901.169./ 88.050316.57626223.195.V.302982205.AL PAYMENT 88.0000./IVD-11 MAR 16. Copyright Bank of America 9 .53902901.169.V.TRF/REF 6008ABS12300015436 88./IVD-11 MAR 16..V.BOFAUS3NXXX BANK GIRO CREDIT 88.CLIENT-STANDARD.V.050311.600812345678.050311.SEA SUBSCRIBERS 830608 10569527 88.195.050311./IVD-11 MAR 16./ 88.V.0000.TRF/REF 6008ABS12300015439 88.UBS 203253 70314285 88./ 88.INV NO 3003004801.2/ 02.113781251.TRF/REF 6008ABS12300015438 88.050311.050315.0000.939370 BANK GIRO CREDIT 88..TRF/REF 6008ABS12300015432 88.BOFAUS3NXXX.2685941.050311./IVD-11 MAR 16.GB01 6600005010.169..TRF/REF 6008ABS12300015435 88.NATIONAL BID CO 200000 60264385 88.M N Q E 404623 31097679 88.TRANSFER.050314.fab4.BAI – Bank Administration Institute File Format specification for the Payment Network Sample BAI Version 2 File – Balances and Details 01.00 88.03000P5043731188.V.2359./IVD-11 MAR 16.400.600807050976.050311.3003004802 3003006557 88.0.050312.fab2.V.XY COMPANY LTD 88.169.WENDY PHARMA LIM 400250 81073362 88.V./ 16..IT 88.LLOYDS TSB BANK PL 779300 99129797 88.GBP.050311./IVD-11 MAR 16.V./ 88.100./ 88.0000..TRF/REF 6008ABS12300015431 July 2009 11-2004.302982205.0000..TRF/REF 6008AQS17045040 88./IVD-11 MAR 16.0000/ 88.169.14737332.CLIENT.0000.169.V.113781251.fab5.0000.102 0101857345.108.0000.0000.V.113781251.050311.600807051404.2676768.0000/ 88.V./ 88.111319005.24955896.TRF/REF 6008ABS12300015433 88.TALISMAN 88.ABC CO MARKETING AND TRADING 88.TRF/REF 6008AQS17048175 OC EUR/724.1./ 88.0000/ 88.102 0101857345 K BANK GIRO CREDIT 88.50458356..888B 2000011168./ 03.015.050311.V.0000.fab3.V.TRF/REF 6008ABS12300015437 88.0000..XYZ UK 185008 10813540 88...0000.1.195.V..5438159.0213..195.050311.600812300015436.23181193.050317..SHELLS PEOPLE SERVI 300002 01383944 88.03000P504373118801 BANK GIRO CREDIT 88./ 88./IVD-11 MAR 16.1./IVD-11 MAR 16.0./ 88./ 88./IVD-11 MAR 16.888B 2000011168 K BANK GIRO CREDIT 88.108 BANK GIRO CREDIT 88.050311.V./IVD-11 MAR 16./ 88.045.600807045040.6028173.TRF/REF 6008ABS12300015434 88.050311.588.

1778372839.PF10 2000499770 K BANK GIRO CREDIT 88.169.BEING EUR 161.92 July 2009 11-2004.94 88.0000.TBA PERSONAL 402908 82239493 88.1249730./ 88.1000 1800082980 K BANK GIRO CREDIT 88.1.10918./IVD-11 MAR 16.91/ 99./IVD-11 MAR 16.DEP/REF 6008AQS16302123 OC EUR/161.169. Copyright Bank of America 10 .050311.V.TFR TO 87654321.0000.GB01 6600005010 K BANK GIRO CREDIT 88.393714.BAI – Bank Administration Institute File Format specification for the Payment Network 88.PF10 2000499770.0000.DEPOSIT.175./IVD-11 MAR 49./ 88.94 88.TFR TO 87654321 88.050311.TRF/REF 6008ABS12300015429 88.0000.90/ 98./ 88.575.V.V.V./IVD-11 MAR 16.1./IVD-11 MAR 16.050311.1000 1800082980.TRF/REF 6008ABS12300015430 88.1778372839.METROPOLITAN TEAM 560033 78809762 88./ 88.302982205.050311.CLIENTELE LTD 88.1778372829.

Note: Codes marked with an * would only be derived from 3rd party accounts Code Credit/Debit Summary or Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Description 115 116 142 165 166 169 171 175 195 206 208 213 214 222 224 237 249 252 255 266 275 293 354 357 366 398 399 Credit Credit Credit Credit Credit Credit Credit Credit Credit Credit Credit Credit Credit Credit Credit Credit Credit Credit Credit Credit Credit Credit Credit Credit Credit Credit Credit Lockbox Receipt – Consolidated Lockbox Receipt Itemised Direct Debit Receipt – Consolidated Direct Debit Receipt Itemised BACS credit for Direct debits ACH incoming Receipt Loan/Deposit Receipt Manual/Cheque Deposit Local Currency Wire Receipt Book Transfer Credit International Transfer Credit LC receipt FX receipt Travellers Cheque Commission Credit * Bill of Exchange Collection Miscellaneous Security Credit * Reversal/Adjustment Returned/unpaid Item Returned Item credit * ZBA/RTS Credit Cash Letter Credit * Credit interest posted Credit Interest Adjustment Currency & Coin Deposited Miscellaneous Fee refund credit * Miscellaneous Credit 415 435 445 451 466 469 475 477 481 484 487 493 495 506 508 512 514 522 524 549 Debit Debit Debit Debit Debit Debit Debit Debit Debit Debit Debit Debit Debit Debit Debit Debit Debit Debit Debit Debit Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Lockbox debit * Draft Payment – consolidated Ach Payment . Asia.BAI – Bank Administration Institute File Format specification for the Payment Network July 2009 BAI Codes A list of the summary and detail codes with relevant descriptions available for International clients with accounts held in EMEA. Updates may be made at periodic intervals but no codes will be added or changed without prior advice to all users. Copyright Bank of America. 11 . LATAM and Canada and 3rd Party Bank accounts is provided below.Consolidated Direct Debit Payment Debit for BACS Payments ACH payments Itemised Cheque Payment Standing Order Loan/Deposit payment Draft Payment – Itemised Cash Letter debit * Local Currency Wire payment – consolidated Local Currency Wire payment – Itemised Book Transfer Debit International Transfer Payment LC payment FX Payment Foreign Cheque debit * Commission debit * Miscellaneous Security debit * 11-2004.

Copyright Bank of America. 12 . These codes are not part of the standard BAI Code Set and would need to be requested via your implementation consultant Code Credit/Debit Summary or Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Description 921 922 923 924 925 926 972 973 974 975 976 Credit Credit Credit Credit Credit Credit Debit Debit Debit Debit Debit SEPA Receipt SEPA Return SEPA Core DD Receipt SEPA B2B DD Receipt SEPA Core DD Payment Return SEPA B2B DD Payment Return SEPA B2B DD Payment SEPA Core DD Receipt Return SEPA B2B Receipt Return SEPA Payment SEPA Core DD Payment 11-2004.BAI – Bank Administration Institute File Format specification for the Payment Network Code Credit/Debit Summary or Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Detail Summary Summary Summary Summary Summary Summary Summary Summary Summary Summary Description July 2009 552 555 566 575 577 631 659 666 696 698 699 100 400 010 015 045 Fab1 Fab2 Fab3 Fab4 Fab5 Debit Debit Debit Debit Debit Debit Debit Debit Debit Debit Debit Credit Debit NA NA NA NA NA NA NA NA Reversal Return/Unpaid Item Electronic return debit * ZBA /RTS sweep Debit ZBA /RTS sweep Debit.itemized Debit Interest Adjustment Debit Interest Posted Currency & Coin Withdrawn Regular collection Debit * Billing/Other charges Miscellaneous debit Total Credits Total debits Opening Ledger Balance Closing Ledger Balance Closing Available Balance 1 Day Available Balance 2 Day Available Balance 3 Day Available Balance 4 Day Available Balance 5 Day Available Balance The following subset of detail codes relate to the SEPA range of transactions.

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