---
title: "Bank File Formats"
canonical: "https://kb.myframeworks.com.au/space/FRAM/28389718/Bank%20File%20Formats"
format: markdown
---
# Overview
Frameworks currently supports the following bank file import formats below. Click on the heading below for an explanation of each of these formats.
> ℹ️ ***Page Viewing Tip****: There are a number of tables on this page. So, we recommend, making the screen full size and collapsing the sidebar (press ****[**** )*
# Bank File Formats
Below is some additional information related to the Statement imports available from
## NAI File Format
The account information **files** are based on the National Account Information (**NAI**) electronic data transmission standards. **NAI files** are comma-delimited and do not contain fixed length fields. The **format** identifies the start and end of the **file** being sent, the date, the account number and the type of each transaction.
NAI File layout summary:
- Record Type: 01 – File Header – indicating the beginning of the file
- Record Type: 02 – Group Header – identifying the group of accounts – a file may contain multiple groups, and would be followed by a 03 record
- Record Type: 03 – Account Identifier & Summary Status – indicating the account number, activity summary and account status information
- Record Type: 16 – Transaction Detail – Transaction detail information such as generic reference information is indicated in this record type (optional record)
- Record Type: 49 – Account Trailer – indicating account control totals
- Record Type: 88 - Continuation - ‘88’ records are generally used if the record above exceeds 80 characters when all fields are put to the record
- Record Type: 98 – Group Trailer – indicating group control totals
- Record Type: 99 – File Trailer – end of file indicator
To view a file format sample, click here...
```
01,,BNZA,190309,0400,1,78,78/
02,BNZA,NATAAU3M,1,190308,0000/
03,246294539,AUD,015,000,100,000,102,000,400/
88,000,402,000,500,000,501,000,502/
88,000,503,000,965,000,966,000/
88,967,000,968,000,969,000/
49,000,000/
03,246592042,AUD,015,230297269-,100,17875499,102,7900,400/
88,31054239,402,1300,500,000,501,369127,502/
88,300000000,503,69702731,965,512,966,150/
88,967,000,968,000,969,000/
16,195,3000000,0,0,INTERNET TRANSFER
88,INSPIRATIONS CHARLES PORT
16,195,73321,0,0,INTERNET TRANSFER
88,INTERNET TRANSFER 130313 YCC BUILD 130313
16,195,9248,0,0,INTERNET TRANSFER
88,INTERNET TRANSFER 130313 YCC BUILD 130313
16,195,9129,0,0,INTERNET TRANSFER
88,INTERNET TRANSFER CUST 026762
16,195,2750,0,0,INTERNET TRANSFER
88,INTERNET TRANSFER MITRE 10 ACC693940 THINKWATER
16,915,454467,0,000000000001/
16,915,14625,0,000000000005/
16,915,2460,0,000000000006/
16,915,60325,0,000000000010/
16,915,67675,0,000000000011,CASH/CHEQUES B/POST
16,915,112909,0,000000000012/
16,915,25553,0,000000000012/
16,399,245150,0,0,FLEXIPHONE-BILL PAY
98,245835501,6,245833185/
99,245835501,1,145,245833185/
```
---
## BAI File Format
**Bank** Administration Institute (**BAI**) is a **file format used** by **banks** to transfer financial data.
BAI File layout summary:
- Record Type: 01 – File Header – indicating the beginning of the file
- Record Type: 02 – Group Header – identifying the group of accounts – a file may contain multiple groups, and would be followed by a 03 record
- Record Type: 03 – Account Identifier & Summary Status – indicating the account number, activity summary and account status information
- Record Type: 16 – Transaction Detail – as it says! Transaction detail information such as generic reference information is indicated in this record type (optional record)
- Record Type: 49 – Account Trailer – indicating account control totals
- Record Type: 98 – Group Trailer – indicating group control totals
- Record Type: 99 – File Trailer – end of file indicator
To view a file format sample, click here...
```
01,CBA,COMMBIZ,190308,0856,1,,,2/
02,,CBA,1,190305,,AUD,2/
03,301012683362,,015,20058457,,,100,100100900,3,,400,140174908,14,,900,000,,,901,000,,,902,000,,,903,000,,,904,,,,905,,,/
16,699,1899984,,000,,Direct Credit 301500 21512 NSW|/
16,699,250,,000,,(T) DE Reject Return Fee|/
16,699,18895,,000,302105,Cashed Chq No. 302105 Sebas|/
16,699,17980,,000,302102,Cashed Chq No. 302102 Sth |/
16,399,100000000,,010,,BNY TRUST COMPANY OF AUSTRALIA LTD REF 2019030500022505 PAYMENT FROM SCOTTISH PACIFIC BUSIN|/
16,699,54799356,,000,,Direct Credit 301500 PAYROLL-05/03/19|/
16,699,19862578,,000,,Direct Credit 301500 208279|/
16,699,29323,,000,302113,Cashed Chq No. 302113 Barny|/
16,399,15000,,999,,DE INVALID BSB |/
16,699,49944,,000,302111,Chq 302111 presented|/
16,699,15588100,,000,,Direct Credit 301500 PAYG WKLY|/
16,399,85900,,097,,Direct Credit 086602 ALLIANZ WORKERS 5002392505|/
16,699,7251233,,315,,Direct Debit 001192 CBA CR CARD PMNT 5550059000254424|/
16,699,27353597,,315,,Direct Debit 501203 AUTOMATIC DATA P 285822ADPDSP52279|/
16,699,126410,,315,,Direct Debit 079021 LEASE PAY 001-0365481-004|/
16,699,5900,,000,302110,Chq 302110 presented|/
16,699,13171358,,000,,Direct Credit 301500 PayTax|/
49,500610073,19/
98,500610073,21/
02,,CBA,1,190306,,AUD,2/
03,301012683362,,015,15228929,,,100,120364965,4,,400,125194493,8,,900,000,,,901,000,,,902,000,,,903,000,,,904,,,,905,,,/
16,399,120000000,,010,,BNY TRUST COMPANY OF AUSTRALIA LTD REF 2019030600018576 PAYMENT FROM SCOTTISH PACIFIC BUSIN|/
16,699,48940,,000,302119,Cashed Chq No. 302119 Mutrs|/
16,699,149592,,315,,Direct Debit 141529 King & Heath Ren 932465 Rent|/
16,399,202877,,097,,Direct Credit 489310 HENRY HAYMES PTY Haymes Pant|/
16,399,30328,,097,,Direct Credit 489310 HENRY HAYMES PTY Haymes Paint|/
16,399,131760,,097,,Direct Credit 489310 HENRY HAYMES PTY Haymes Paint 2DAHD|/
16,699,38679960,,000,,Direct Credit 301500 208393|/
16,699,12246714,,000,,Direct Credit 301500 208413|/
16,699,25091203,,000,,Direct Credit 301500 208430|/
16,699,5178862,,000,,Direct Credit 301500 208411|/
16,699,6251886,,000,,Direct Credit 301500 208382|/
16,699,37547336,,000,,Direct Credit 301500 208412|/
49,506347845,14/
98,506347845,16/
02,,CBA,1,190307,,AUD,2/
03,301012683362,,015,18794099,,,100,101581174,2,,400,98016004,7,,900,000,,,901,000,,,902,000,,,903,000,,,904,,,,905,,,/
16,699,62574698,,000,,Direct Credit 301500 208485|/
16,699,19449540,,000,,Direct Credit 301500 208450|/
16,699,4616873,,000,,Direct Credit 301500 208486|/
16,699,10865251,,000,,Direct Credit 301500 208484|/
16,399,4081174,,097,,Direct Credit 421520 53006 221|/
16,399,97500000,,010,,BNY TRUST COMPANY OF AUSTRALIA LTD REF 2019030700019315 PAYMENT FROM SCOTTISH PACIFIC BUSIN|/
16,699,319893,,315,,Direct Debit 141529 King & Heath Ren 932577 Rent|/
16,699,165004,,315,,Direct Debit 125877 AMEX FEE DEBIT 8031160617058RAIDA|/
16,699,24745,,000,302118,Cashed Chq No. 302118 Cranny|/
49,417988455,11/
98,417988455,13/
99,1424946373,3,52//div
```
---
## ANZ NZ CSV File Format
The **ANZ **New Zealand CSV layout summary:
- Record Type 3: Account Transactions
- Record Type 5: Opening Balance
- Record Type 6: Closing Balance
- Record Type 8: Account Totals
- Record Type 9: Date Totals
To view a file format sample, click here...
| | | | | | | | | | | | | | | | |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Record Type | CMS ID * | Account Number | Amount | Serial No ** | Tran Code *** | Source Code **** | Particulars | Code | Reference | Other Party Name | Date | Statement Line 1 | Statement Line 2 | Statement Line 3 | Statement Line 4 |
| 3 | 111111 | 01-XXXX-XXXXXXX-00 | -225000 | 0 | 36 | DD | TRANSFER | | TO 46 | | 27-05-19 | DD TRANSFER TO 46 | | | |
| 3 | 111111 | 01-XXXX-XXXXXXX-00 | 22.55 | 0 | 50 | DC | INV 181442 | APRIL | 3453 | CONTRACTORS | 27-05-19 | CONTRACTORS INV 181442 | April | | |
| 3 | 111111 | 01-XXXX-XXXXXXX-00 | 51.44 | 0 | 50 | DC | Paul | Roofing | Roofing | PAUL'S ROOFING | 27-05-19 | DC PAUL MAKUCH ROOFING Paul Makuch | Roofing | | |
| 3 | 111111 | 01-XXXX-XXXXXXX-00 | 55.34 | 0 | 50 | BP | Staheli A | 4921 | 187406 | Customer ABC | 27-05-19 | Customer ABC | 123456789 | | |
| 3 | 111111 | 01-XXXX-XXXXXXX-00 | 80.34 | 0 | 50 | BP | 7274 | PRIME | Ltd | PRIME LIMITED | 27-05-19 | PRIME LIMITED | | | |
| 5 | 111111 | 01-XXXX-XXXXXXX-00 | 117002.53 | | | OPENING BALANCE | | ACCOUNT REF | 27-05-19 | | | | | |
| 6 | 111111 | 01-XXXX-XXXXXXX-00 | 217734.98 | | | CLOSING BALANCE | | ACCOUNT REF | 27-05-19 | | | | | |
| 8 | 111111 | 01-XXXX-XXXXXXX-00 | -225000 | 1 | 0 | DEBITS | | | | 27-05-19 | | | | | |
| 8 | 111111 | 01-XXXX-XXXXXXX-00 | 325732.45 | 48 | 50 | CREDITS | | | | 27-05-19 | | | | | |
*CMS ID = Corporate ID
**Serial Number = Cheque Serial Number
***Tran Code = Type of Transactions (debit, credit)
****Source Code = Statement Code eg "AP" for Automatic Payment
---
## NAB CSV Format
> ℹ️ This file type does not include a Closing Balance record.
To view a file format sample, click here...
| | | | | | | |
| --- | --- | --- | --- | --- | --- | --- |
| Account Number | Date | Narrative | Reference | Currency | Debit Amount | Credit Amount |
| 083-000 01-700-7000 | 31-05-19 | MISCELLANEOUS DEBIT NAB Connect Fee Access and Usage | | AUD | -118.95 | |
| 083-000 01-700-7000 | 31-05-19 | FEE ACCOUNT FEES | | AUD | -10 | |
| 083-000 01-700-7000 | 31-05-19 | INTER-BANK CREDIT Highmark | | AUD | | 23313.22 |
| 083-000 01-700-7000 | 31-05-19 | INTER-BANK CREDIT ORION | | AUD | | 27303.18 |
| 083-000 01-700-7000 | 31-05-19 | INTER-BANK CREDIT Escape | | AUD | | 84934 |
| 083-000 01-700-7000 | 31-05-19 | INTER-BANK CREDIT Carlisle | | AUD | | 71787.1 |
| 083-000 01-700-7000 | 31-05-19 | AUTOMATIC DRAWING 1011111 Hunter Premium | | AUD | -12579.66 | |
---
## Westpac CSV Format
> ℹ️ This file type does not include a Closing Balance record.
To view a file format sample, click here...
| | | | | | | |
| --- | --- | --- | --- | --- | --- | --- |
| Bank Account | Date | Narrative | Debit Amount | Credit Amount | Categories | Serial |
| 37000000037 | 29-03-19 | PAYMENT BY AUTHORITY TO Ricoh | 442.42 | | PAYMENT | |
| 37000000037 | 29-03-19 | WITHDRAWAL ONLINE MULTI 1335533 PYMT WBC.ABA PAYMENT DATA | 241222 | | PAYMENT | |
| 37000000037 | 29-03-19 | WITHDRAWAL ONLINE 122222 PYMT JOHN | 610 | | PAYMENT | |
| 37000000037 | 29-03-19 | DEBIT CARD PURCHASE HOBART CITY COUNCIL HOBART | 10 | | PAYMENT | |
| 37000000037 | 29-03-19 | DEPOSIT ANZ EFTPOS | | 69 | DEP | |
| 37001206894 | 29-03-19 | DEPOSIT ONLINE 22332233 PYMT JOHN | | 3781.96 | CREDIT | |
| 37001206894 | 29-03-19 | INTEREST PAID | | 8.69 | INT | |
| 37001206894 | 25-03-19 | WITHDRAWAL 0000015 SANDY BAY | 621.2 | | CASH | |
---
## BNZ (Bank of New Zealand) Format
**BNZ File Layout Summary:**
Common codes include:
- AP = Automatic Payment
- BP = Bill Payment
- DC = Direct Credit
- ET – Electronic Transfer
- PS = Eftpos
- TB = Telephone Banking
- FX – Foreign Transfer
Transaction Codes:
- 000 for Debits
- 050 for Credits
To view a file format sample, click here...
| | | | | | | | | | | | | |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Date | Amount | Payee | Particulars | Code | Reference | Tran Type | This Party Account | Other Party Account | Serial | Transaction Code | Batch Number | Originating Bank/Branch |
| 29-10-19 | -5826.31 | Advanced Cards | 40077 | | 494TC | DD | 02-1111-0111111-00 | 01-2222-2222222-00 | | 0 | 9293 | 01-1234 |
| 29-10-19 | 754.14 | Harry Dean | PAYMARK | 100981270 | ALL CARDS | PS | 02-1111-0111111-00 | 01-2222-2222222-00 | | 50 | 1 | 02-1234 |
---
## NAB Internet Banking (CSV)
To view a file format sample, click here...
| | | | | | | | |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Account Name: | Main | | | | | | |
| Account Number: | xxx-xxx xx-xxx-xxxx | | | | | | |
| | | | | | | | |
| Date | Narrative | Reference number | Transaction Date | Currency | Debit Amount | Credit Amount | EOD Balance |
| 11/05/2020 | INTER-BANK CREDIT | | 11/05/2020 | AUD | | 2816 | |
| 11/05/2020 | AUTOMATIC DRAWING | | 11/05/2020 | AUD | -887.39 | | |
| 11/05/2020 | AUTOMATIC DRAWING | | 11/05/2020 | AUD | -10799.45 | | 1303715.01 |
| 12/05/2020 | INTER-BANK CREDIT | | 12/05/2020 | AUD | | 13024 | |
| 12/05/2020 | TRANSFER DEBITS ONLINE | | 12/05/2020 | AUD | -1000000 | | 316739.01 |
| 13/05/2020 | INTER-BANK CREDIT | | 13/05/2020 | AUD | | 969 | 317708.01 |
| 14/05/2020 | AUTOMATIC DRAWING | | 14/05/2020 | AUD | -13175.41 | | |
| 14/05/2020 | AUTOMATIC DRAWING | | 14/05/2020 | AUD | -28936.45 | | 275596.15 |
| 15/05/2020 | MISCELLANEOUS DEBIT | | 15/05/2020 | AUD | -87.47 | | |
| 15/05/2020 | AUTOMATIC DRAWING | | 15/05/2020 | AUD | -405.34 | | 275103.34 |
| 18/05/2020 | INTER-BANK CREDIT | | 18/05/2020 | AUD | | 459.69 | |
| 18/05/2020 | AUTOMATIC DRAWING | | 18/05/2020 | AUD | -5517.51 | | 270045.52 |
---
## Westpac Corporate (csv)
To view a file format sample, click here...
| | | | | | | | | |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| TRAN_DATE | ACCOUNT_NO | ACCOUNT_NAME | CCY | CLOSING_BAL | AMOUNT | TRAN_CODE | NARRATIVE | SERIAL |
| 20200521 | 99999999999 | TRADING AC | AUD | 108061.69 | 511 | 887 | DEPOSIT-OSKO PAYMENT | 2010482 |
| 20200521 | 99999999999 | TRADING AC | AUD | 108061.69 | 69.3 | 50 | DEPOSIT | |
| 20200521 | 99999999999 | TRADING AC | AUD | 108061.69 | 4807.44 | 50 | DEPOSIT | |
| 20200521 | 99999999999 | TRADING AC | AUD | 108061.69 | 10992.43 | 95 | MERCHANT SETTLEMENT | 970001 |
| 20200521 | 99999999999 | TRADING AC | AUD | 108061.69 | -13807 | 14 | WITHDRAWAL | 5922977 |
| 20200521 | 99999999999 | TRADING AC | AUD | 108061.69 | -12325.57 | 13 | PAYMENT BY AUTHORITY TO COMPANY | 500172 |
---
## St. George Bank (CSV)
To view a file format sample, click here...
| | | | | | | | | | | |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Account Number | Value Date | Transaction Description | Cheque Serial Number | Account Currency | Amount | Amount Indicator | Balance | Balance Indicator | BSB | Trancode |
| 44444444 | 14/04/2021 | FAST FORWARD CON | ADVANCE MAINT SERV | | AUD | 10.11 | CR | 60493.67 | DR | 123456 | 995 |
| 44444444 | 14/04/2021 | EFT SETTLEMENT 14APR20:46 | COMPANY NAME | | AUD | 22 | CR | 60471.67 | DR | 123456 | 976 |
| 44444444 | 14/04/2021 | CUSTOMER PTY LTD | A C No 987987987 | | AUD | 56.11 | CR | 60415.56 | DR | 123456 | 995 |
| 44444444 | 14/04/2021 | OSKO DEPOSIT 14APR21:05 | COMPANY NAME | | AUD | 5000 | CR | 6977.96 | CR | 123456 | 977 |
| 44444444 | 14/04/2021 | OSKO DEPOSIT 14APR14:41 | COMPANY NAME | | AUD | 6000 | CR | 12977.96 | CR | 123456 | 977 |
| 44444444 | 14/04/2021 | EFT SETTLEMENT 14APR16:18 | COMPANY NAME | | AUD | 6653.89 | CR | 19631.85 | CR | 123456 | 976 |
> ℹ️ **Note:** DR = negative amounts and CR = positive amounts
---
## Westpac CSV (NZ)
To view a file format sample, click here...
| | | | | | | | |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Date | Amount | Other Party Name | Description | Particulars | Analysis Code | Reference | Transaction Notes |
| 20/09/2021 | 21387.58 | CUSTOMERS NAME | BILL PAYMENT | shortNAME | XXXXABC | InvXXXXX | |
| 20/09/2021 | 52020.27 | CUSTOMERS NAME | BILL PAYMENT | shortNAME | XXXXABC | InvXXXXX | |
| 20/09/2021 | 124180.44 | Westpac Merchant Svc | CREDIT | WIPSPLUS | XXXXABC | InvXXXXX | |
| 20/09/2021 | 52.22 | CUSTOMERS NAME | DIRECT CREDIT | shortNAME | XXXXABC | InvXXXXX | DE999999 |
| 20/09/2021 | 78.29 | CUSTOMERS NAME | DIRECT CREDIT | shortNAME | XXXXABC | InvXXXXX | DE1000000 |
| 20/09/2021 | -1686.94 | CUSTOMERS NAME | DIRECT DEBIT | Direct Debit | XXXXABC | InvXXXXX | DE1000001 |
| 20/09/2021 | -3992.38 | CUSTOMERS NAME | ONLINE BANKING | IntlPayment | XXXXABC | InvXXXXX | |
| 20/09/2021 | 351.85 | CUSTOMERS NAME | Payment | shortNAME | XXXXABC | InvXXXXX | |
| 20/09/2021 | -478.18 | CUSTOMERS NAME | Payment | Internet | Payment | InvXXXXX | |
| 20/09/2021 | -660 | CUSTOMERS NAME | Payment | Internet | Payment | InvXXXXX | |
| 20/09/2021 | -89145.52 | Multiple Payees | Payment | Internet | Payment | InvXXXXX | |
---
## Commonwealth Bank (CSV)
This file includes BPay information and is not required to be imported using the **BPay Import** button via the **Bank Statement Payment Entry **window.
This is the general format of the CBA file.
- 01 - File Header - 9 fields - Contains the Biller Mailbox ID (one row only).
- 02 - Group Header - 8 fields - Intended to classify collection data by Biller (can be many rows).
- 03 - Account Header - 15 fields - Details the biller account record for the Biller per Group Header record. Intended to classify the collection data by channel and account (can be many rows).
- 30 - Collection Detail - 21 fields - One row per collection item (can be many rows).
- 49 - Account Trailer - 3 fields - Provides account level control totals (can be many rows).
- 98 - Group Trailer - 4 fields - Provides group-level control totals (can be many rows).
- 99 - File Trailer - 4 fields - Provides file control totals (one row only).
---
## Westpac MT940 Statement Format
To view a file format sample, click here...
![MT940 file layout]()
---
# Other Imports
## BPAY Import
When you [Reconcile Electronic Bank Statements](https://sterlandsupport.atlassian.net/wiki/spaces/fwksproau/pages/30507268) you can import a BPay **.brf** (Bpay Remittance Statement) file via the **The Bank Statement Payment Entry** window. This file allows you to detail all the individual customer payments within a BPay deposit.
> ⚠️ Currently this import in only available for the ANZ and the NAB.
> ⚠️
> ⚠️ Click on this link for an example of the file
---
## FatZebra Import
When you [Reconcile Electronic Bank Statements](https://sterlandsupport.atlassian.net/wiki/spaces/fwksproau/pages/30507268) you can import a FatZebra **.csv** file via the **The Bank Statement Payment Entry** window. This file allows you to detail all the individual customer payments within the FatZebra payment system.
> ⚠️ Click on this link for an example of the file
---