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BAI EXPORT GUIDEDownloading Data Exports in Commercial Banking Online

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BAI Export Guide

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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

http://resources.lloydsbank.com/cbonlinesupport/payments/importing/i-want-to-export-my-csv-information/

http://resources.lloydsbank.com/cbonlinesupport/reports/payment-reports/what-are-the-available-payment-reports/

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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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02,S1234567890IS,corpline1,1,180319,2400,GBP,2/ 02,,00000001,1,171115,0916,GBP,2/



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.



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/



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.



49,9358,3/ 49,224,3/



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



98,13726,6,14/ 98,0,2,6/



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.



99,163272,15,217/ 99,10055,3,46/



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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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:



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.




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


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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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:







16,399,15,0,,,,/ 16,229,15,Z,200000000336700000,DEBITACNAMETRIALGR,DEBITACNAMETRIALGR





Code 3 ‘229’



Variable NNNNNN


4 Blank 0 Blank 4 Unique faster payment ID 18 NNNNNNNNNN

NNNNNNNN


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:


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.




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





Format

1


24


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


5 Transaction datetime 15 DDMMMYYYY

HH:MI 4 5 Transaction datetime 13 DDMMMYY

HH:MM

5 6 Transaction ID 20 TRNID=NNNNNN NNNNN-NN




Unique faster payment ID + transaction ID + 3 letters ISO currency code + Debit indicator

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Payment Type CHAPS


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:







16,699,02,0,,,,/ 16,962,121,Z,1004791305,BENENAME CB,BENENAME CB F/FLOW





Code 3 ‘962’



Variable NNNNNN


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.




88,Sterling Transactions : F\FLOW DEBITACNAME TFRCHAPS PAYMENT REFERENCE/

88,CHAPS PAYMENT REFE88, RENCE 88,TRNID=00000000018-388,TRNIDDATE=2018022288,ADVREF=123456123456781805300116DEBITACNAME





Format

1


24


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


ADVREF= Free text – variable length

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Payment Type CHAPS


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:


Sub-records providedCorporate Online: detail is provided within the 88 record.Commercial Banking Online: provides additional detail within the sub-records.





16,399,116,0,,,,/ 16,169,116,Z,CHAPS PAYMENT REF ,REMITTERNAM,F/FLOW REMITTERNAM





Code 3 ‘169’



Variable NNNNNN


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:


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.



88,Sterling Transactions : F\FLOW DEBITACNAME TFRCHAPS PAYMENT REFERENCE/



Format

1


24


2

F/FLOW & Remitter Name & Transaction Code


3 Payment Reference 36 Variable length –

36 characters


88,CHAPS PAYMENT REFE88,RENCE88,TRNID=00000000018-388,TRNIDDATE=2018022288,ADVREF=123456123456781805300116DEBITACNAME



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


4 5 Transaction datetime 13 DDMMMYY

HH:MM

5 6 Transaction ID 20TRNID=NNN NNNNNNNN -NN




Sort code + account number + YYMMDDHHMI + Account Name

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Payment Type BACS Single


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:







16,699,29,0,,,,/ 16,466,29,Z,,PAYREF SAMPLE BACS,BENE ACCOUNT NAMEX





Code 3 ‘466’



Variable NNNNNN


4 Blank 0 Blank 4 Blank 0 -


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:


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.




88,Sterling Transactions : BENE ACCOUNT NAMEX DDPAYMENT REF BACS X /

88,PAYMENT REF BACS X88,TRNID=00000000017-1488,TRNIDDATE=20180222





Format

1


24


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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Payment Type BACS Multiple


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:







16,699,103,0,,,,/ 16,466,30,Z,,REMITTER REFERENCE,PAYMENTS BAT 00040





Code 3 ‘466’



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

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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:


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.



88,Sterling Transactions : PAYMENTS BAT 00050 DDREMITTER REFERENCE /



Format

1


24


2Payment batch reference

18 [23]“PAYMENTS BAT ” + numeric (5 digits)

3 Transaction type code 2 ‘DD’

4 Payment Reference 18 Free text –

variable length


88,REMITTER REFERENCE88,TRNID=00000000017-1688,TRNIDDATE=20180222



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

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Payment Type BACS


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:







16,399,41,0,,,,/ 16,174,41,Z,,PAY REF BACS M 1,DEBITACNAMETRIALGR





Code 3 ‘174’



Variable NNNNNN




variable length

6 Blank 0 Blank 6 Debit account name 18 Free text –

variable length

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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:


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.



88,Sterling Transactions : DEBITACNAMETRIALGR BGCPAY REF BACS M 1 /



Format

1


24


2 Debit account name 18 [22] Free text –

variable length

3 Transaction type code 3 ‘BGC’

4 Payment reference 18 Free text –

variable length


88,PAY REF BACS M 1 88,TRNID=00000000021-2188,TRNIDDATE=20180315



Format

1 1 Payment reference 18 Free text –

variable length



YYYYMMDD

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Payment Type Inter-Account Transfer


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:







16,699,06,0,,,,/ 16,566,6,Z,,DRACREF,DRACREF





Code 3 ‘566’



Variable NNNNNN




variable length


variable length

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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:


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’




88,Sterling Transactions : 1005434580 TFRTO 12345678 123456 /

88,TO 12345678 12345688,TRNID=00000000019-2188,TRNIDDATE=20180312





Format

1


24


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

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Payment Type Inter-Account Transfer


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:







16,399,06,0,,,,/ 16,241,6,Z,,BEREFLINE1,BEREFLINE1





Code 3 ‘241’



Variable NNNNNN


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

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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:


Sub-records providedCorporate Online includes three character transaction code ‘TFR’.Commercial Banking Online provides additional sub-records for Transaction ID and Transaction ID Date.




88,Sterling Transactions : 1005434580 TFRFR 12345678 123456 /

88,FR 12345678 12345688,TRNID=00000000008-688,TRNIDDATE=20180312





Format

1


24


1 1

‘FR’ + Beneficiary account number +Beneficiary sort code

18‘FR’ + AAAAAAAA + SSSSSS

2 Auto-generated ID 18 [22] Free text –


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


Payment Type Euro & International MoneyMover


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:



Transaction CodeCorporate Online: BAI Transaction Code is ‘699’ Commercial Banking Online: BAI Transaction Code is ‘699’




16,699,157,0,,,,/ 16,699,125,Z,FT195193869501,/,FT195193869501





Code 3 ‘699’



Variable NNNNNN


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:


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.




88,Sterling Transactions : FT193723238501 FOREIGN /

88,FOREIGN 88,TRNID=00000000014-388,TRNIDDATE=2018051188,ADVREF=FT195193869501 GBP12345678





Format

1


24


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


Payment Type Euro & International MoneyMover


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:







16,399,134,0,,,,/ 16,169,134,Z,,DEBITACNAME,F/FLOW DEBITACNAME





Code 3 ‘169’



Variable NNNNNN



variable length


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:


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.




88,Sterling Transactions : F\FLOW DEBITACNAME TFR /88,TRNID=00000000025-1388,TRNIDDATE=2018041388,ADVREF=123456123456781810300134DEBITACNAME





Format

1


24

Either ‘Sterling Transactions : ‘ OR'Currency Transaction :'


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


Payment Type Cheque


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:







16,699,201,0,,,,/ 16,475,201,Z,,,000101





Code 3 ‘475’



Variable NNNNNN




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:


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.




88,Sterling Transactions : 000101 / 88,TRNID=00000000022-1588,TRNIDDATE=20180316





Format

1


24



2Cheque ID (found on cheque book)

6 NNNNNN 2 2 TRNIDDATE + Value date 17 TRNIDDATE=

YYYYMMDD

BAI Export Guide

36


Payment Type Cheque


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:







16,399,200,0,,,,/ 16,514,200,,,,LOYD 109 FINSBURY





Code 3 ‘514’



Variable NNNNNN





7Processing bank location/reference




No 88 record is provided for Cheques Credit on Corporate Online No 88 record is provided for Cheques Credit on Commercial Banking Online





Format

Record code 88


BAI Export Guide

37


Payment Type Card Transactions


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:







16,699,300,0,,,,/ 16,468,1000,,,,SAMPLE STORE 1234





Code 3 ‘468’



Variable NNNNNN

3 Funds type 1 ‘0’ 3 Funds type Blank 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:


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.




88,Sterling Transactions : GROCERY STORE 6545 CD 1234 /

88,CD 501788,TRNID=00000000021-1688,TRNIDDATE=20180314





Format

1


24


1 1

Card transaction code & last 4 digits of payment card

7 CD NNNN

2 Beneficiary reference 18 [25] Free text –


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


Payment Type Bank Giro Credit


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:







16,399,300,0,,,,/ 16,201,300,Z,,,500046





Code 3 ‘201’



Variable NNNNNN




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:


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.




88,Sterling Transactions : 500046 / 88,TRNID=00000000021-1388,TRNIDDATE=20180314





Format

1


24



2

Bank Giro Credit number (found on cheque book)

6 NNNNNN 2 2 TRNIDDATE + Value date 17 TRNIDDATE=

YYYYMMDD

BAI Export Guide

41


Payment Type ATM Withdrawal


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:







16,699,1000,0,,,,/ 16,445,1000,Z,,,LOYD FINSBURY PAVE





Code 3 ‘445’



Variable NNNNNN




6 Blank 0 Blank 6Processing bank location/reference


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:


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.




88,Sterling Transactions : LOYD FINSBURY PAVE CD 1234 14MAR18 /

88,CD 5713 14MAR18 88,TRNID=00000000021-1188,TRNIDDATE=20180314





Format

1


24


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

BAI Export Guide

43


Payment Type Counter Withdrawal


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:







16,699,100,0,,,,/ 16,508,100,Z,,,TO 12345612345678





Code 3 ‘508’



Variable NNNNNN




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:


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.




88,Sterling Transactions : TO 12345612345678 88,TRNID=00000000012-988,TRNIDDATE=20180314





Format

1


24



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


Payment Type ATM / Counter Deposit


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:







16,399,100,0,,,,/ 16,201,100,Z,,,AC 12345612345678





Code 3 ‘201’



Variable NNNNNN




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:


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.




88,Sterling Transactions : AC 12345612345678 / 88,TRNID=00000000021-888,TRNIDDATE=20180314





Format

1


24



2

‘AC’ + debit sort code + debit account number

AC SSSSSSAA AAAAAA


YYYYMMDD

BAI Export Guide

47


Payment Type Standing Order (Paid)


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:







16,699,100,0,,,,/ 16,527,100,Z,,,SOCGR617





Code 3 ‘527’



Variable NNNNNN




6 Blank 0 Blank 6 Beneficiary account name 11 Free text –

variable length

BAI Export Guide

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:


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.




88,Sterling Transactions : SOCGR617 SO / 88,TRNID=00000000026-1188,TRNIDDATE=20180418





Format

1


24



2 Beneficiary account name 11 [23] Free text –

variable length 2 2 TRNIDDATE + Value date 17 TRNIDDATE=

YYYYMMDD

3 Transaction type code 2 ‘SO’

BAI Export Guide

49


Payment Type Standing Order (Received)


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:







16,399,100,0,,,,/ 16,227,100,Z,,,SOCGR1135





Code 3 ‘227’



Variable NNNNNN





variable length

BAI Export Guide

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:


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.




88,Sterling Transactions : SOCGR1135 SOCMG4 /88,CMG4 88,TRNID=00000000026-1088,TRNIDDATE=20180418





Format

1


24


1 1 CMG Code 4 Free text – variable length

2 Beneficiary account name 11 [23] Free text –


3 Transaction type code 2 ‘SO’ 3 3 TRNIDDATE +

Value date 17 TRNIDDATE= YYYYMMDD

4 4 Free text – variable length

Find out more

We hope you have found this Guide clear and easy to understand but remember, our Helpdesk team are always ready to answer any query you may have.

You can reach them on 0808 202 1390† between 7.30am – 6pm, Monday to Friday excluding bank holidays.† Telephone calls may be recorded for security purposes

and monitored under our quality control procedures.

Important informationLloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Telephone: 020 7626 1500. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Regulation number 119278.

Lloyds Bank International Limited trading as Lloyds Bank and Lloyds Bank Commercial Banking, registered Office and principle place of business: PO Box 160, 25 New Street, St. Helier, Jersey JE4 8RG. Registered in Jersey No. 4029. regulated by the Jersey Financial Services Commission. We abide by the Jersey Code of Practice for Consumer Lending.

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.

Lloyds Bank plc is covered by the Financial Ombudsman Service (FOS). Please note due to FOS eligibility criteria not all Lloyds Bank business customers will be covered.

Our service promiseIf you experience a problem, we will always try to resolve it as quickly as possible. Please bring it to the attention of any member of staff. Our complaints procedures are published at lloydsbank.com/business

LBCOL/E03/0818

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