international bai - xe

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

BAI – Bank Administration Institute

File Format specification For the Payment Network

Version 5.00 July 2009

BAI – Bank Administration Institute File Format specification for the Payment Network July 2009

Table of Contents

Table of Contents 1

Overview 2

BAI File Format Specification 3

Record Sequence 4

BAI Version 2 Record Types and Fields 4

Sample BAI Version 2 File – Balances and Details 9

BAI Codes 11

11-2004. Copyright Bank of America 1


Overview BAI2 is the format option available when receiving a BAI file via Bank of America’s payment network. You can open BAI2 in many treasury workstations and accounting software packages.

The following information is provided for users who wish to receive their account data in a BAI format via the payment network:

ν BAI File Format Specification Descriptions of codes, formats, and items specific to Bank of America’s implementation of BAI.

ν BAI Codes for Previous Day Reporting Easy-to-use charts providing descriptions of the codes, which identify status, summary, and detail items.



BAI File Format Specification Descriptions are provided below of the selected records from a BAI2 file and what they mean to the user. These should be used in conjunction with the example file provided further on in this document. Codes

ν Record code. Defines the position of fields in a record and the field formats. The record code includes two digits and a comma to delimit it from the first field in the record.

ν Currency code. Defines the currency being used. The code has a maximum length of three characters. The codes are the same as Society for Worldwide Interbank Financial Telecommunications (SWIFT) codes.

ν Type code. Describes amounts/counts: summary, status, or detail. The range of the type code (maximum four digits) differentiates summary/status descriptors from debit descriptors and credit descriptors.

Formats ν Field. Free format within records.

ν Field delimiter. Comma ( , ) or slash ( / ).

ν Slash. Used only at the end of the logical data in a physical record or as part of a description field.

ν Default field. Identified by adjacent delimiters (for example, ‘,,’).

ν Text delimiter. For record code 16 (detail) or 88 (continuation) the text delimiter will be any record code except 88. The remainder of a physical record after the end of the logical text must be filled with blanks. For example, 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).

ν Sign and amount. The sign (where applicable) and the amount are included in the same field, not separated by a comma.

ν Decimal point. Amounts include two digits to the right of the decimal point, but not the decimal point itself. For example, 12345=$123.45.

ν Data not available. If data is not available for a type code or transaction code, neither the code, the sign, nor the amount will be reported. Valid zero amounts and/or counts are reported.

Special Items

The following items are specific to Bank of America’s implementation of BAI:

ν Individual transmission. An individual transmission is comprised of single files. Only one file header (01) and one file trailer (99) will appear.

ν File maximum. Files will have a maximum of 80 characters per record.

ν File transmission. Only complete files will be transmitted, not partial files.

ν Detail data transmission. Detail data is transmitted via record type 16 only. Bank of America does not utilize record types 15 or 17.



Record Sequence Data files sent from the payment network will contain records in this sequence: 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

Recipient of file (recipient’s Company name as per setup)

File creation date YYMMDD format

File creation time Military format (2400)

File sequence number

Always 1 for each new day – requests for remaps will obtain a new file number

Physical record length

Number of characters in each record, including record identifier (Always 80)

Blocking factor Number of physical records in a block Always = one (1)

Version number Identifies file version for BAI file always = two (2) End of Record /

02 – Group Header


Ultimate receiver identification

Final receiver of file (recipient’s company name as per setup)

Originator identification

Originator of file (originator’s ABA or SWIFT iddepending on the location of the account )

Group status 1 = Original

As-Of date YYMMDD - Statement date

As-Of time Always “2359”

Currency code Not used, always null (“,,”)

End of Record /



03 – Account Identifier and Summary Status The following record is used for balance and summary reporting. The Type Code, Sign, and Amount fields are repeated as necessary to meet all requested summary status information types. The Type Codes may appear in any order. Field Name Field Description

Commercial account number

Client commercial account number at Bank of America or other originating bank

Currency code SWIFT currency code

Type code Identifies summary or status field. – For full list of available codes refer to Page 11

Sign Negative = ‘–’ symbol Positive = ‘+’ symbol If no symbol precedes the amount, the default sign is positive.

Amount Currency amount expressed without decimal: $$$cc

Item count Optional, integer field. No implied decimal. Default value for unknown = null (“,,”).

Funds type Optional; default value = null (“,,”) Note: International accounts will always use V Types possible: Z = availability unknown 0 = immediate (zero) availability 1 = one day availability 2 = two-or-more day availability S = availability distributed If S, 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, the next field indicates the number of

availability distributions. The next two fields (and each succeeding pair of fields) indicate the number of days and the amount available, respectively. Format: "X,a,$,a,$"

X = number of distributions a = availability in days (integer) $ = available amount

End of Record /




88 – Continuation


Continuation The continuation record is used as an overflow record. The format of the continuation record continues the same format as the record immediately preceding it. There can be multiple instances depending on the amount of data available


16 – Transaction Detail The following record is used to provide detail information and may include free-form alphanumeric text. Field Name Field Description

Type code Identifies detail transaction

Amount Always positive (unsigned) – expressed without decimal point: $$$$cc

Funds type Optional; default value = null (“,,”) 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, 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, the next field indicates the number of

availability distributions. The next two fields (and each succeeding pair of fields) indicate the number of days and the amount available, respectively. Format: "X,a,$,a,$"

X = number of distributions a = availability in days (integer) $ = available amount

Reference number 1

Alphanumeric field, cannot contain a comma (",") or a slash ("/")

Reference number 2

Alphanumeric field, cannot contain a comma (",") or a slash ("/")

End of record /

88 – Continuation


Continuation The continuation record is used as an overflow record. The format of the continuation record continues the same format as the record immediately preceding it. There can be multiple instances depending on the amount of data available



49 – Account Trailer The following record accumulates control totals per account. Field Name Field Description

Account control total

Algebraic sum of all amounts in record codes 03, 16, and 88 associated with this account

Number of records The total number of records in the account, including the 03 record and all 16 and 88 records and including this account trailer 49 record.

End of Record /

98 – Group Trailer The following record accumulates group control totals. 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, including the 02, 03, all 16, 49, and 88 records and including this account trailer 98 record.

End of Record /

99 – File Trailer The following record provides file control totals. Field Name Field Description

File control total 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 01,02,03,16,49,88,98 and 99 records

End of record /



Sample BAI Version 2 File – Balances and Details 01,121000358,CLIENT,050312,0213,1,80,1,2/ 02,CLIENT-STANDARD,BOFAGB22,1,050311,2359,,/ 03,600812345678,GBP,fab1,111319005,,V,050314,0000/ 88,fab2,113781251,,V,050315,0000,fab3,113781251,,V,050316,0000/ 88,fab4,113781251,,V,050317,0000,fab5,113781251,,V,050318,0000/ 88,010,0,,,015,0,,,045,0,,,100,302982205,,,400,302982205,,/ 16,169,57626223,V,050311,0000,102 0101857345,/ 88,LLOYDS TSB BANK PL 779300 99129797 88,TRF/REF 6008ABS12300015439 88,102 0101857345 K BANK GIRO CREDIT 88,/IVD-11 MAR 16,169,53902901,V,050311,0000,108,/ 88,M N Q E 404623 31097679 88,TRF/REF 6008ABS12300015438 88,108 BANK GIRO CREDIT 88,/IVD-11 MAR 16,195,50458356,V,050311,0000,TRANSFER,/ 88,XY COMPANY LTD 88,TRF/REF 6008AQS17048175 OC EUR/724,588.00 88,XY COMPANY LTD SARL INV NO 3003005695 88,/IVD-11 MAR 16,169,32744901,V,050311,0000,BOFAUS3NXXX,/ 88,UBS 203253 70314285 88,TRF/REF 6008ABS12300015437 88,BOFAUS3NXXX BANK GIRO CREDIT 88,/IVD-11 MAR 16,195,25200000,V,050311,0000,600807045040,/ 88,XY COMPANY LTD 88,TRF/REF 6008AQS17045040 88,XY COMPANY LTD SARL INV NO 3003006627 88,/IVD-11 MAR 16,195,24955896,V,050311,0000,600807050976,/ 88,TALISMAN 88,TRF/REF 6008AQS17050976 88,INV 3003006237 88,/IVD-11 MAR 16,169,23181193,V,050311,0000,600812300015436,/ 88,0502289683DSS ADM 600304 91271010 88,TRF/REF 6008ABS12300015436 88,NO BENEFICIARY INFORMATION PROVIDED BANK GIRO CRED 88,IT 88,/IVD-11 MAR 16,169,14737332,V,050311,0000,2000 2000026158,/ 88,SHELLS PEOPLE SERVI 300002 01383944 88,TRF/REF 6008ABS12300015435 88,2000 2000026158 30 BANK GIRO CREDIT SUBJECT TO FIN 88,AL PAYMENT 88,/IVD-11 MAR 16,169,6028173,V,050311,0000,03000P5043731188,/ 88,SEA SUBSCRIBERS 830608 10569527 88,TRF/REF 6008ABS12300015434 88,03000P504373118801 BANK GIRO CREDIT 88,/IVD-11 MAR 16,195,5438159,V,050311,0000,600807051404,/ 88,ABC CO MARKETING AND TRADING 88,TRF/REF 6008AQS17051404 88,INV NO 3003004801,3003004802 3003006557 88,/IVD-11 MAR 16,169,2685941,V,050311,0000,888B 2000011168,/ 88,XYZ UK 185008 10813540 88,TRF/REF 6008ABS12300015433 88,888B 2000011168 K BANK GIRO CREDIT 88,/IVD-11 MAR 16,169,2676768,V,050311,0000,939370,/ 88,NATIONAL BID CO 200000 60264385 88,TRF/REF 6008ABS12300015432 88,939370 BANK GIRO CREDIT 88,/IVD-11 MAR 16,169,1692000,V,050311,0000,GB01 6600005010,/ 88,WENDY PHARMA LIM 400250 81073362 88,TRF/REF 6008ABS12300015431




88,GB01 6600005010 K BANK GIRO CREDIT 88,/IVD-11 MAR 16,169,1249730,V,050311,0000,1000 1800082980,/ 88,METROPOLITAN TEAM 560033 78809762 88,TRF/REF 6008ABS12300015430 88,1000 1800082980 K BANK GIRO CREDIT 88,/IVD-11 MAR 16,169,393714,V,050311,0000,PF10 2000499770,/ 88,TBA PERSONAL 402908 82239493 88,TRF/REF 6008ABS12300015429 88,PF10 2000499770 K BANK GIRO CREDIT 88,/IVD-11 MAR 16,175,10918,V,050311,0000,DEPOSIT,/ 88,CLIENTELE LTD 88,DEP/REF 6008AQS16302123 OC EUR/161.94 88,BEING EUR 161.94 88,/IVD-11 MAR 16,575,302982205,V,050311,0000,TFR TO 87654321,/ 88,TFR TO 87654321 88,/IVD-11 MAR 49,1778372829,90/ 98,1778372839,1,91/ 99,1778372839,1,92


BAI Codes A list of the summary and detail codes with relevant descriptions available for International clients with accounts held in EMEA, Asia, LATAM and Canada and 3rd Party Bank accounts is provided below. Updates may be made at periodic intervals but no codes will be added or changed without prior advice to all users. Note: Codes marked with an * would only be derived from 3rd party accounts

Code Credit/Debit Summary or Detail

Description

115 Credit Detail Lockbox Receipt – Consolidated 116 Credit Detail Lockbox Receipt Itemised 142 Credit Detail Direct Debit Receipt – Consolidated 165 Credit Detail Direct Debit Receipt Itemised 166 Credit Detail BACS credit for Direct debits 169 Credit Detail ACH incoming Receipt 171 Credit Detail Loan/Deposit Receipt 175 Credit Detail Manual/Cheque Deposit 195 Credit Detail Local Currency Wire Receipt 206 Credit Detail Book Transfer Credit 208 Credit Detail International Transfer Credit 213 Credit Detail LC receipt 214 Credit Detail FX receipt 222 Credit Detail Travellers Cheque 224 Credit Detail Commission Credit * 237 Credit Detail Bill of Exchange Collection 249 Credit Detail Miscellaneous Security Credit * 252 Credit Detail Reversal/Adjustment 255 Credit Detail Returned/unpaid Item 266 Credit Detail Returned Item credit * 275 Credit Detail ZBA/RTS Credit 293 Credit Detail Cash Letter Credit * 354 Credit Detail Credit interest posted 357 Credit Detail Credit Interest Adjustment 366 Credit Detail Currency & Coin Deposited 398 Credit Detail Miscellaneous Fee refund credit * 399 Credit Detail Miscellaneous Credit

415 Debit Detail Lockbox debit * 435 Debit Detail Draft Payment – consolidated 445 Debit Detail Ach Payment - Consolidated 451 Debit Detail Direct Debit Payment 466 Debit Detail Debit for BACS Payments 469 Debit Detail ACH payments Itemised 475 Debit Detail Cheque Payment 477 Debit Detail Standing Order 481 Debit Detail Loan/Deposit payment 484 Debit Detail Draft Payment – Itemised 487 Debit Detail Cash Letter debit * 493 Debit Detail Local Currency Wire payment – consolidated 495 Debit Detail Local Currency Wire payment – Itemised 506 Debit Detail Book Transfer Debit 508 Debit Detail International Transfer Payment 512 Debit Detail LC payment 514 Debit Detail FX Payment 522 Debit Detail Foreign Cheque debit * 524 Debit Detail Commission debit * 549 Debit Detail Miscellaneous Security debit *

11-2004. Copyright Bank of America.

11


Code Credit/Debit Summary or Detail

Description

552 Debit Detail Reversal 555 Debit Detail Return/Unpaid Item 566 Debit Detail Electronic return debit * 575 Debit Detail ZBA /RTS sweep Debit 577 Debit Detail ZBA /RTS sweep Debit- itemized 631 Debit Detail Debit Interest Adjustment 659 Debit Detail Debit Interest Posted 666 Debit Detail Currency & Coin Withdrawn 696 Debit Detail Regular collection Debit * 698 Debit Detail Billing/Other charges 699 Debit Detail Miscellaneous debit

100 Credit Summary Total Credits 400 Debit Summary Total debits

010 NA Summary Opening Ledger Balance 015 NA Summary Closing Ledger Balance 045 NA Summary Closing Available Balance

Fab1 NA Summary 1 Day Available Balance Fab2 NA Summary 2 Day Available Balance Fab3 NA Summary 3 Day Available Balance Fab4 NA Summary 4 Day Available Balance Fab5 NA Summary 5 Day Available Balance

The following subset of detail codes relate to the SEPA range of transactions. 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 orDetail

Description

921 Credit Detail SEPA Receipt 922 Credit Detail SEPA Return 923 Credit Detail SEPA Core DD Receipt 924 Credit Detail SEPA B2B DD Receipt 925 Credit Detail SEPA Core DD Payment Return 926 Credit Detail SEPA B2B DD Payment Return

972 Debit Detail SEPA B2B DD Payment 973 Debit Detail SEPA Core DD Receipt Return 974 Debit Detail SEPA B2B Receipt Return 975 Debit Detail SEPA Payment 976 Debit Detail SEPA Core DD Payment

11-2004. Copyright Bank of America.

12

international bai - xe

Documents