10. File Formats - Lloyds Bank Commercial Bank. File Formats Table of Contents 1. ... 1.2 File format type The following file formats are supported: PFE-XML: All payment types can

10. File Formats

Table of Contents

1. File Formats .................................................................................................. 2

1.1 Introduction .......................................................................................................... 2

1.2 File format type ..................................................................................................... 2

1.3 Valid BACS Characters ........................................................................................... 2

1.4 File formats ........................................................................................................... 3

1.4.1 PFE-XML Format ........................................................................................... 3

1.4.2 PFE-CSV Format .......................................................................................... 36

1.4.3 Other Formats ............................................................................................ 43

1.5 Account Library Import Format ........................................................................... 48

1. File Formats

1.1 Introduction

This function allows you to create a payment batch by importing payments from an external file.

Note: 10k is the maximum number of items in an import, which will be split into batches of 200.

When importing a BACS Multiple batch, in any of the formats detailed below, and one of the beneficiarys account details fails the modulus 11 check the item will be removed from the batch.

1.2 File format type

The following file formats are supported:

PFE-XML: All payment types can be imported with this format.

PFE-CSV: All payment types can be imported with this format.

Sage BACS multiple CSV: A CSV format used to create GBP BACS payments. Importing this file will create a single GBP BACS payment in a single batch.

Sage BACS Euro multiple CSV: Creates a Euro BACS payment.

BACS multiple standard CSV: A standard CSV format that creates a BACS payment

BACS Euro multiple standard CSV: A standard CSV format that creates a Euro BACS payment

BACS multiple fixed width: A standard fixed width format that creates a BACS payment

BACS Euro multiple fixed width : A standard fixed width format that creates a Euro BACS payment

1.3 Valid BACS Characters

The table below shows the characters that can be used in a BACS Multiple file. During import any lower-case characters will be converted to upper case and any characters not valid for BACS will be replaced with a space.

Description Example/Range

Uppercase alphabetic A to Z

Numerics 0 to 9

Space

Hyphen -

Full stop .

Ampersand &

Solidus /

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1.4 File format definition

1.4.1 PFE-XML

For each payment type the field names are supplied along with associated basic validation rules and a PFE-XML sample extract.

Domestic Chaps

The fields within each record must be presented in the order below, alternatively only the mandatory fields need to be completed and presented in the order below:

Field

Field Name Length Field Validation

1 Payment Type N/A Must be Chaps_GBP_Payment

2 Debit Sort Code 6 Mandatory. Must be six digits without hyphens. Debit Account Sort Code combination must exist in customer debit account list.

3 Debit Account Number 8 Mandatory. Must be eight digits.

Debit Account Number combination must exist in customer debit account list and must not be a multi-bank account.

4 Payment Currency 3 Mandatory. Must be GBP

5 Payment Amount 16 Mandatory. Max = 9,999,999,999.99 (0.01 less than 10 billion).

6 Payment Reference 16 Maximum 16 alpha-numeric characters

7 Value Date 11 Mandatory. DD-MMM-YYYY (i.e 01-Jan-2006)

Greater than or equal to today but less than or equal to 61 days forward, including today.

Must be a UK working day

8 Payment Details 140 Maximum of 140 alpha-numeric characters over a maximum of 4 separate lines

9 Information to Payee Bank 210 Maximum of 210 characters over a maximum of 6 separate lines

10 Advise Payee n/a True or False

11 Payee is a Bank n/a True or False

12 Beneficiary Account Number

8 Mandatory. Must be a standard UK bank account number

13 Beneficiary Sort Code 6 Mandatory. Must be a Standard UK bank account sort code

14 Beneficiary Name 35 Mandatory. Maximum of 35 characters.

15 Beneficiarys Address 105 Maximum of 105 characters, over 3 lines.

16 Beneficiarys Bank Name 35 Maximum of 35 characters.

17 Beneficiarys Bank address 105 Maximum of 105 characters, over 3 lines

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An example is:

Chaps_GBP_Payment

302556

11266760

GBP

100.00

17-Jan-2006

False

False

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Domestic BACS Single Beneficiary


Field Field Name Length Field Validation

1 Payment Type n/a Must be Single_BACS_GBP_Payment





5 Payment Amount 14 Mandatory. Max = 999,999,999.99 (0.01 less than 1 billion)

6 Payment Reference 18 Maximum 18 alpha-numeric characters.


Must not be a UK non-working day.

Minimum value date is three days forward including today if before BACS cut-off time and not including UK non-working days.


8 Mandatory. Must be 8 digits.

9 Beneficiary Sort Code 6 Mandatory. Must be 6 digits.

10 Beneficiary Account Type Indicator

1 A single digit (0 to 9)

11 Beneficiary Name 18 Mandatory. Maximum 18 characters


13 Beneficiarys Bank Name 35 Maximum of 35 characters.

Note: During import any lower-case characters will be converted to upper case and any characters not valid for BACS will be replaced with a space.

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Example:

BACS_Payment

302556

11265668

GBP

9.00

BACS TEST PAYMENT

24-Nov-2005

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Domestic BACS Multiple Beneficiary



1 Payment Type n/a Must be BACS_Payment






6 Payment Reference 18 Maximum 18 alpha-numeric characters.


Must not be a UK non-working day.

Minimum value date is three days forward including today if before BACS cut-off time and not including UK non-working days.



9 Beneficiary Sort Code 6 Mandatory. Must be 6 digits.





13 Beneficiarys Bank Name

35 Maximum of 35 characters.

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Example:

BACS_Payment

302556

11265668

GBP

109.00

BACS TEST PAYMENT

24-Nov-2005

Domestic Internal Transfer



1 Payment Type n/a Must be Internal_Transfer_GBP_Payment




4 Debit Account currency

3 Mandatory. Currency associated to the debit account number/ sort code combination


6 Payment Amount 16 Mandatory. Max = 9,999,999,999.99 (0.01 less than 10 billion)

7 Payment Reference 16 Maximum 16 characters




8 Mandatory. Must be a standard UK bank account number


10 Beneficiary Sort Code 6 Mandatory. Must be a Standard UK bank account sort code

11 Beneficiary Name 35 Mandatory. Maximum of 35 characters




14 Beneficiarys Bank address

105 Maximum of 105 characters, over 3 lines

Example: PaymentList>

Internal_Transfer_GBP_Payment

302556

11266760

GBP

GBP

100.00

17-Jan-2006

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Euro Money Mover



1 Payment Type n/a Must be Euro_MM_Payment


3 Debit Account Number

8 Mandatory. Must be eight digits.




5 Payment Currency 3 Mandatory. Must be EUR



Must be a Target working day

8 Intermediary Bank Name

35 Maximum of 35 characters

If an intermediary details are entered but a BIC is not present this must be entered

9 Intermediary Bank Address

105 Maximum of 105 characters over a maximum of 3 separate lines

If any intermediary details are entered but a BIC is not present this must be entered

10 Intermediary Bank SWIFT BIC

11 Valid BIC code

The intermediary Bank SWIFT BIC must be valid for the payment to be STP.

11 Intermediary Bank Account Number

34 Maximum 34 characters

12 Payment Details 140 Maximum of 140 characters over a maximum of 4 separate lines

13 Charges 3 For payment to be STP this must be SHA

14 Special Instructions 210 Maximum of 210 alpha-numeric characters over a maximum of 6 separate lines.

If this field is populated then the payment is not STP

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15 Pay on Application Details

29 29 alpha-numeric characters

If this field is populated the type of identification to be used must be included. If this field is populated payment cannot be STP


34 Maximum 34 characters. (IBAN).

If this is populated then the pay on application indicator must be empty.

This must be an IBAN for the payment to be STP.


18 Beneficiary Address 105 Maximum of 105 alpha-numeric characters over a maximum of 3 separate lines

19 Beneficiary Bank SWIFT BIC

11 Valid BIC

A BIC must be entered if the payment is to go STP.

If BIC is entered it must be Target addressable. (EU)

Mandatory if beneficiary bank name and beneficiary bank address have not been included.



Mandatory if no beneficiary BIC entered

21 Beneficiarys Bank Address

105 Maximum of 105 alpha-numeric characters over a maximum of 3 separate lines.

Mandatory if no beneficiary BIC entered

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Example:

Euro_MM_Payment

309634

28000025

EUR

EUR

100.00

25-Jan-2006

SHA

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Basic Euro Money Mover



1 Payment Type n/a Must be Basic_Euro_MM_Payment







6 Payment Amount 6 Mandatory. Up to and including 50,000

7 Payment Reference 16 Maximum 16 alpha-numeric characters

8 Value Date 11 Mandatory.

DD-MMM-YYYY (i.e 01-Jan-2006)

Must be a Target working day.

Minimum value date is one day forward if before payments cut off time, two days forward if after payments cut off time

9 Payment Details 140 Maximum of 140 alpha-numeric characters over a maximum of 4 separate lines

10 Charges 3 Must be SHA


34 Mandatory. This must be a valid IBAN.


13

Beneficiary Bank SWIFT BIC

11 Mandatory. The entered BIC must match the entered IBAN. If the BIC does not match the IBAN the application will derive the BIC for the supplied IBAN and inform you via a validation message that the BIC they entered has been overwritten with a BIC related to the IBAN.



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Example:

Basic_Euro_MM_Payment

309634

28000025

EUR

EUR

100.00

26-Jan-2006

SHA

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Euro BACS Single Beneficiary



1 Payment Type n/a Must be Single_BACS_Euro_Payment








Must be a BACS working day.

Minimum value date is three days forward including today if before BACS cut-off time and not including UK non-working days



9 Beneficiary Sort Code 6 Mandatory. Must be 6 digits







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Example:

BACS_Euro_Payment

309634

28000025

EUR

100.00

27-Jan-2006

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Euro BACS Multiply Beneficiary



1 Payment Type n/a Must be BACS_Euro_Payment

2 Debit Sort Code 6 Mandatory. Must be 6 digits. Debit Account Sort Code combination must exist in customer debit account list.

3 Debit Account Number 8 Mandatory. Must be 8 digits.






Must be a BACS working day.

Minimum value date is three days forward including today if before BACS cut-off time and not including UK non-working days


8 Mandatory. 8 digits.

Must be a UK Euro account.

9 Beneficiary Sort Code 6 Mandatory. 6 digits.

Sort code should be valid for a BACS EUR payment



11 Beneficiary Name 18 Maximum 18 characters




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Example:

BACS_Euro_Payment

309634

28000025

EUR

5,529.25

10-Feb-2006

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Euro Multi-Bank Money Mover



1 Payment Type n/a Must be Multibank_Euro_MM_Payment

2 Debit Account Number 8 Mandatory. Must be 8 digits.

Must be a multi-bank account

3 Debit Account Currency 3 Mandatory. Any 3 character Currency Code available within the Payments Service



6 Payment Reference 16 Maximum 16 characters.






105 Maximum 105 characters over a maximum of 3 lines



11 Valid BIC code

If any intermediary details are present a valid BIC must be present to be STP



12 Foreign Exchange Rate

17 8 major units, decimal place and 8 minor units.

13 Foreign Exchange Reference

16 Max 16 characters.

Can be entered without a corresponding rate

An FX Reference and rate can be provided for this payment even if the currencies do not differ.

14 Charges 3 Mandatory. SHA, BEN, OUR

15 Remitter reference 16 Maximum of 16 alpha-numeric characters

16 Remittance Information 140 Maximum of 140 alpha-numeric characters over a maximum of 4 separate lines

17 Clearing Code 31 Maximum 31 characters

18 Original Ordered Amount

15 Mandatory. Up to 15 digits including a decimal point.

19 Original Ordered Currency

3 Any 3 character Currency Code available within the Payments Service


20 Payee Country Code 2 Valid 2 character country code available within the Payments Service

21 Payment Authorisation 35 Maximum 35 characters

22 Charges Account Number


23 Regulatory Reporting Country Code

2 Valid 2 character ISO country code



25 Regulatory Reporting Other Information

105 Max 105 characters over 3 lines. (Subtract 35 characters and one line for each of the above two items selected. Originating Country and Destination Country)

26 Transaction type Instruction Code

4 CHQB, NETS, RTGS or URGP

27 Settles A Trade Instruction Code

n/a Yes or No

28 Intra Company Instruction Code

n/a Yes or No

29 Other Information 25 Maximum 25 characters

30 Beneficiary Bank Clearing Code

2 2 characters

31 Beneficiary Bank Country Code


32 Beneficiary Bank Phone Number



34 Maximum 34 characters (IBAN)




11 Valid BIC

Must cross-validate with other beneficiary field values



Beneficiarys Bank Address

105 Maximum of 105 alpha-numeric characters over a maximum of 3 separate lines

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Example:

Multibank_Euro_MM_Payment

< CLAIRE

GBP

EUR

1,000.00

09-Feb-2006

SHA

TEST CUSTOMER 2

1,000.00

EUR

BE

False

False

BE

Euro Internal Transfer



1 Payment Type n/a Must be Internal_Transfer_Euro_Payment

2 Debit Sort Code 6 Mandatory. 6 digits Debit Ac Sort Code combination must exist in customer debit account list.

Must be a LloydsTSB account

3 Debit Account Number 8 Mandatory. 8 digits

Debit Ac Sort Code combination must exist in customer debit account list and must not be a multi-bank account.

Must be a LloydsTSB account

4 Debit Account currency 3 Mandatory. Currency associated to the debit account number/ sort code combination



7 Payment Reference 16 Max 16 characters






11 Maximum 11 Chars

Must be correctly formatted with either B, F or X followed by 10 digits.

Or the letters AGREED

Required if FX Rate has been provided.

Only to be provided if the currencies differ.


8 Mandatory. Must be a LTSB account. Must be a standard UK bank account number.

12 Beneficiary Sort Code 6 Mandatory. This must be an LTSB account


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Example:

Internal_Transfer_Euro_Payment

309634

28000025

EUR

EUR

100.00

09-Feb-2006

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Euro International Draft



1 Payment Type n/a Must be International_Draft_Euro_Payment

2 Debit Sort Code 6 Mandatory. 6 digits Debit Account Sort Code combination must exist in customer debit account list.






7 Country Drawn From 2 Valid 2 character ISO country code



9 Charges 3 Add to cost (OUR) or deduct from amount (BEN)

10 Special Instructions 245 There can be maximum of 7 lines of 35 characters

11 Remittance Information 214 Maximum of 140 alpha-numeric characters over a maximum of 4 separate lines


Example:

International_Draft_Euro_Payment

309634

28000025

EUR

EUR

100.00

DE

08-Feb-2006

OUR

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International Money Mover




1 Payment Type n/a Must be International_MM_Payment

2 Debit Sort Code 6 Mandatory. 6 digits

Debit Account Sort Code combination must exist in customer debit account list.

3 Debit Account Number 8 Mandatory. 8 digits.

Debit Account number combination must exist in customer debit account list and must not be a multi-bank account.


5 Payment Currency 3 Mandatory. Any 3 character Currency Code available within the Payments service

6 Payment Amount 21 Mandatory.

A) For currencies that require 0 decimal places the maximum value is 99,999,999,999,999. B) For currencies that require 1 decimal place the maximum value is 9,999,999,999,999.9. C) For currencies that require 2 decimal places the maximum value is 999,999,999,999.99. C) For currencies that require 3 decimal places the maximum value is 99,999,999,999.999.

7 Payment Reference 16 Maximum 16 alpha numeric characters

8 Destination Country Code



Must be a working day in the country of the payment currency





105 Maximum of 105 characters over a maximum of 3 lines



11 Valid BIC code.






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11 Maximum 11 Chars

Must be correctly formatted with either B, F or X Followed by 10



digits.

Or the letters AGREED

Required if FX Rate has been provided.

Only to be provided if the currencies differ.


17 Charges 3 for payment to be STP this must be SHA

18 Special Instructions 210 Maximum of 210 characters over a maximum of 6 lines

If this field is populated the payment is not STP

19 Remittance Information 140 Maximum of 140 characters over a maximum of 4 separate lines

20 Payment On Application Details

29 29 alpha numeric characters.

If populated must include the type of identification to be used.

If this field is populated payment cannot be STP



34 Maximum of 34 characters (IBAN)

If this is populated then the pay on application indicator must be empty.




11 Valid BIC

A BIC must be entered if payment is to go STP. If payment currency is EUR and BIC is entered it must NOT be Target addressable. (EU)

Mandatory if beneficiary bank name and beneficiary bank address have not been included.





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Example:

International_MM_Payment

309634

11609335

USD

USD

100.00

08-Feb-2006

SHA

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International Multi-Bank Money Mover



1 Payment Type n/a Must be Multibank_International_MM_Payment


Must be a multi-bank account

3 Debit Account currency 3 Mandatory. Currency associated to the debit account number

4 Payment Currency 3 Mandatory. STP currencies only





Must be a working day in the country of the payment





105 Maximum of 105 characters over a maximum of 3 lines



11 Valid BIC code.






13 Charges 3 Mandatory. SHA, Ben or OUR

14 Remitter Reference 16 Maximum of 16 characters

15 Remittance Information 140 Maximum of 140 characters or a maximum of 4 separate lines


17 Original Ordered Amount

15 Mandatory. Up to 15 digits including a decimal point.

18 Original Ordered Currency

3 Valid 3 character Currency code available within the Payments Service

19 Payee Country Code 2 Valid 2 character country code available within the Payments Service


20 Payment Authorisation 35 Maximum 35 characters

21 Charges Account Number



2 Valid 2 character country code


2 Valid 2 character country code available within the Payments Service

24 Regulatory Reporting Other Information

105 Max 105 characters over 3 lines. (Subtract 35 characters and one line for each of the above two items selected. Originating Country and Destination Country)

25 Transaction Type Instruction Code

4 CHQB, NETS, RTGS or URGP

26 Settles A Trade Instruction Code

n/a Yes or No

27 Intra Company Instruction Code

n/a Yes or No

28 Other Information 25 Maximum 25 characters

29 Beneficiary Bank clearing Code Key

2 2 characters

30 Beneficiary Bank Country Code

2 Valid 2 character country code available within the Payments Service

31 Beneficiary Phone Number



34 Maximum 34 characters (IBAN)




11 Valid BIC code





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Example:

Multibank_International_MM_Payment

CLAIRE

GBP

USD

1,000.00

09-Feb-2006

SHA

021000021

TEST CUSTOMER 2

1,000.00

USD

US

False

False

US

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International Internal Transfer



1 Payment Type n/a Must be Internal_Transfer_International_Payment






5 Payment Currency 3 Mandatory. Any 3 character Currency Code available within the Payments Service







8 Must be a standard UK bank account number.

Must be a LloydsTSB account.

10 Beneficiary Sort Code 6 Must be a Standard UK bank account sort code.

Must be a LloydsTSB account.




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Example:

Internal_Transfer_International_Payment

309634

11609335

USD

USD

1,000.00

09-Feb-2006

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International Draft



1 Payment Type n/a Must be International_Draft_Payment






5 Payment Currency 3 Mandatory. Any 3 character Currency Code available within the Payments Service



7 Payment Reference 16 Mandatory if the payment currency is either GBP or EUR.

If selected for other currencies the country code must match the country of the payment currency code US = USD etc.

8 Value Date 11 Mandatory. DD-MMM-YYYY (e.g. 01-Jan-2006)


9 Charges 3 SHA, OUR, BEN

10 Special Instructions 35 Maximum of 7 lines each containing a maximum of 35 characters

11 Remittance Information Field

140 Maximum of 140 characters or a maximum of 4 separate lines


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Example:

International_Draft_Payment

309634

11609335

USD

USD

1,000.00

US

09-Feb-2006

OUR

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1.4.2 PFE-CSV (Import, Export, Archive)

The PFE-CSV format is used as one of a choice of PFE import formats, in order to import payment instructions into the application, as an export format, used to export payment instructions and also as a format for payment archive.

The CSV does not have a structure (like XML) which demands values to be optional or mandatory. If a value is not specified, a comma must exist to show that the column is empty. The empty data is then simply placed into the relevant fields and the payment is then validated (which displays the error messages).

BACS Multiple Payments: Please note that in the case of a BACS Multiple payment, there will be a line for the entire payment (starting BACS) and a single line for each Beneficiary (see example).

Information relating to the entire payment will be contained in the BACS line in the CSV file and information relating to each individual beneficiary will be contained in the BEN line in the CSV file. The beneficiary line will not contain debit account information or value dates etc., the only fields populated will be BACS Multiple beneficiary specific

For payments that have multiple FX rates, the first FX rate and reference will be included in the main line for the payment under the FX Rate and FX Reference fields. Any other FX rates or references will be included on subsequent lines with the moniker (first field) set to FX.

As far as possible, the field data in the import file should contain characters that are valid for that field of the payments. Invalid characters will be imported however the payment will fail validation. Since this is a comma separated file commas should not be included in the contents of a field. If commas are included then the file format for that line will be invalid and the record will be rejected, For multiple line fields such as addresses user can use the new line character \n within the CSV import file.

Note: All the fields listed below are in the order they will be in the CSV file.

For all payment types

Payment Type (See Payment Type Field Values )

Payment PFE-Reference

Debit Sort Code

Debit Account Number

Debit Account Currency

Payment Currency

Cur Equiv of GBP Indicator

Payment Amount

Country Drawn From

Destination Country Code

Value Date

PrePositioned

Beneficiary Account Number

Beneficiary Sort Code

Beneficiary Credit Amount

Beneficiary Type of Account Indicator

Beneficiary Name

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Beneficiary Address

Beneficiary Bank SWIFT BIC

Beneficiary Bank Name

Beneficiary Bank Address

Intermediary Bank SWIFT BIC

Intermediary Bank Account Number

Intermediary Bank Name

Intermediary Bank Address

FX Reference

FXRate

Payment Details

Charges

Special Instructions

Information to Payee Bank

Advise Payee

Payee is a Bank

Payment Reference

Beneficiary Payment Reference

Remittance Information

Remitters Name

Remitters Address

Pay on Application Details

Clearing Code

Debit Branch Name

Debit Account Name

Debit Account Address

Original Ordered Amount

Original Ordered Currency

Beneficiary Bank Clearing Code Key

Beneficiary Bank Country Code

FX Original Currency

Payee Country Code

Payment Authorisation

Charges Account Number

Originating County Code

Destination Country Code

Other Regulatory Reporting Information

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Transaction Type Instruction Code

Settles A Trade Instruction Code

Intra Company Instruction Code

Beneficiary Phone Number

Payment Type Field Values

Ben (for a beneficiary line multiple beneficiary payment)

Chaps_GBP_Payment

BACS_Payment

BACS_Single_Payment

Internal_Transfer_GBP_Payment

Euro_MM_Payment

Basic_Euro_MM_Payment

BACS_Euro_Payment

BACS_Euro_Single_Payment

Multibank_Euro_MM_Payment

Internal_Transfer_Euro_Payment

International_Draft_Euro_Payment

International_MM_Payment

Multibank_International_MM_Payment

Internal_Transfer_International_Payment

International_Draft_Payment

Domestic examples (see key on next page)

BACS Single:

Single_BACS_GBP_Payment,,112233,11223344,,GBP,,100.00,,,26-Jan-2009,,12345678,123456,,,Beneficiary Name,,,,,,,,,,,,,,,,,Payment Reference,,,,,,,,,,,,,,,,,,,,,,,,

BACS Multiple

BACS_Payment,,112233,11223344,,GBP,,200.00,,,26-Jan-2009,,,,,,,,,,,,,,,,,,,,,,,Remitter Reference,,,,,,,,,,,,,,,,,,,,,,,,

Ben,,,,,,,,,,,,12345678,123456,100.00,,Beneficiary Name,,,,,,,,,,,,,,,,,,Beneficiary Reference,,,,,,,,,,,,,,,,,,,,,,,

Ben,,,,,,,,,,,,12345678,123456,100.00,,Beneficiary Name,,,,,,,,,,,,,,,,,,Beneficiary Reference,,,,,,,,,,,,,,,,,,,,,,,

Note: 200.00 must equal the sum of the payments in the file.

CHAPS Payment:

CHAPS_GBP_Payment,,112233,11223344,,GBP, ,100.00,,, 26-Jan-2009,,12345678,123456,,,Beneficiary Name ,,,,,,,,,,,Beneficiary Reference,,,,,,Remitter Reference,,,,,,,,Your Account Name ,,,,,,,,,,,,,,,,


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Data Field Name Length Field Validation





26-Jan-2009 Value Date 11 Mandatory. DD-MMM-YYYY (e.g. 01-Jan-2006)


Beneficiary Name

Beneficiary Name 18/35 Mandatory.

Maximum of 18 characters for BACS

Maximum of 35 characters for CHAPS

12345678 Beneficiary Account No 8 Mandatory. 8 Digits

Beneficiarys Account Number

123456 Beneficiary Sort Code 6 Mandatory. 6 digits

Beneficiarys Sort Code

100.00 Payment Amount 21 Mandatory.


Remitter Reference

Remitter Reference 16-18 Optional.

Maximum of 16 characters for CHAPS

Maximum of 18 characters for BACS Multiple

Beneficiary Reference

Beneficiary Reference 18/140 Optional.

Maximum of 18 characters BACS.

Maximum of 140 characters or a maximum of 4 separate lines.

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Euro example (STP)

Basic_Euro_MM_Payment,,112233,11223344,,EUR,,100.00,,,26-Jan-2009,,FRxxxxxxx,,,, Beneficiary Name ,,BNPAFRPPTAS,,,,,,,,,Beneficiary Reference,SHA,,,,,Remitter Reference,,,,,,,,,,,,,,,,,,,,,,,,

Euro_MM_Payment,,302571,00031942,,EUR,,100.00,,,26-Jan-2009,, FRxxxxxxx,,,, Beneficiary Name ,,BNPAFRPPTAS,,, ARTIITM1003,0987654321,BANCO SEC,,,,Beneficiary Reference,SHA,,,,,Remitter Reference,,,,,,,,,,,,,,,,,,,,,,,,

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8 Mandatory. 8 digits


26-Jan-2009 Value Date / Execute Date

11 Mandatory. DD-MMM-YYYY (e.g. 01-Jan-2006)


Beneficiary Name

Beneficiary Name 35 Mandatory.

Maximum of 35 characters.

FRxxxxxxx Beneficiary Account No

34 Mandatory.

IBAN Number



BNPAFRPPTAS SWIFT/BIC Code 11 Mandatory.

Maximum 11 characters

SHA Charges 3 Mandatory.

SHA Charges are split

BEN Beneficiary Pays All Charges

OUR Remitter Pays All Charges

Remitter Reference

Remitter Reference 35 Optional.

Maximum of 35 characters



140 Optional.


ARTIITM1003 Intermediary SWIFT/BIC

11 Optional.


0987654321 Intermediary Account Num

34 Optional


BANCO SEC Intermediary Bank Name

35 Optional


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International example (STP)

International_MM_Payment,,112233,11223344,,USD,,100.00,,,26-Jan-2009,,1234567890,,,, Beneficiary Name ,, BNPAFRPPTAS,,,ARTIITM1003,0987654321,BANCO SEC,,,,Beneficiary Reference,SHA,,,,,Remitter Reference,,,,,,,,,,,,,,,,,,,,,,,,





8 Mandatory. 8 digits


USD Currency 3 Mandatory

Credit Currency in ISO Format



26-Jan-2009 Value Date 11 Mandatory. DD-MMM-YYYY (e.g. 01-Jan-2006)


Beneficiary Name

Beneficiary Name 35 Mandatory.

Maximum of 35 characters.

1234567890 Beneficiary Account No

34 Mandatory.

Account Number

BNPAFRPPTAS SWIFT/BIC Code 11 Mandatory

Maximum 11 characters

SHA Charges 3 Mandatory.

SHA Charges are split

BEN Beneficiary Pays All Charges

OUR Remitter Pays All Charges

Remitter Reference

Remitter Reference 35 Optional.




140 Optional.


ARTIITM1003 Intermediary SWIFT/BIC

11 Optional.


0987654321 Intermediary Account Num

34 Optional



BANCO SEC Intermediary Bank Name

35 Optional


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1.4.3 Other Formats

Sage BACS Multiple CSV

This import format is that used when the customer exports information from the Sage accounting package and is formatted as a variation on the comma separated, enclosed in double quotes and variable length (CSV) format.

Each credit record within the import file is contained on a separate line (separated by a carriage return/line feed combination) and each field within a record must be separated by a comma. In addition and optionally each field within a record may be enclosed in double quotes.

The fields within each record must be presented in the order: Payee Sort Code, Payee Account Number, Payee Account Name, Reference, and implied decimal Amount.

Field Field Name Length BACS Multiple field and validation

1 Payee Sort Code 6 or 8 Mandatory. Must be six digits without hyphens or 8 digits with.

2 Payee account number 8 Mandatory. Must be eight digits.

3 Payee Account name 18 or less Mandatory. If longer than 18 characters it will be truncated.

4 Reference 18 or less The reference that will normally appear on the beneficiarys statement. If longer than 18 characters it will be truncated.

5 Amount 11 or less Mandatory. Up to 11 digits with an explicit decimal point.


An example is: 10-12-10,00123456,PAYEE 1,REF 1,1000.00

101210,00123456,PAYEE 1,REF 1,1000.00

101210,00123456,PAYEE 1,REF 1,1000.00

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Sage BACS Euro Multiple CSV

For Euro payments which are debiting and crediting accounts within the UK

This import format is that used when the customer exports information from the Sage accounting package and is formatted as a variation on the comma separated, enclosed in double quotes and variable length (CSV) format.

Each credit record within the import file is contained on a separate line (separated by a carriage return/line feed combination) and each field within a record must be separated by a comma. Also in addition and optionally each field within a record may be enclosed in double quotes.

The fields within each record must be presented in the order: Payee Sort Code, Payee Account Number, Payee Account Name, Reference, and implied decimal Amount.


1 Payee Sort Code 6 or 8 Mandatory. Must be six digits without hyphens or 8 digits with.




5 Amount 11 or less Mandatory. Up to 11 digits with an explicit decimal point.


An example is: 10-12-10,00123456,PAYEE 1,REF 1,100000 101210,00123456,PAYEE 1,REF 1,100000 101210,00123456,PAYEE 1,REF 1,1000.00

BACS Multiple Standard CSV

This import format is the normal comma separated variable length (CSV) format.

Each credit record within the import file is contained on a separate line (separated by a carriage return/line feed combination) and each field within a record is separated by a comma. In addition you have the option that each field within a record may be enclosed in double quotes.

The fields within each record must be presented in the order: Payee Sort Code, Payee Account Number, Payee Type of Account, Payee Bank/Branch, Payee Account Name, Reference and amount. The fields length and validation are as follows:


1 Payee bank sort code 6 or 8 Mandatory. Must be six digits without hyphens or 8 digits with.


3 Payee Type of Account 1 Mandatory. Will usually be '0'.

4 Payee bank/branch 18 or less If longer than 18 characters it will be truncated.



7 Amount 11 or less Mandatory. Up to 11 digits plus an explicit decimal point.


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Examples are:

101210,00123456,0,BARCLAYS CITY ROAD,PAYEE 1,REF 1,1000.00

10-12-10,00123456,0,BARCLAYS CITY ROAD,PAYEE 1,REF 1,1000.00

101210,00123456,0,,PAYEE 1,REF 1,1000.00 101210,00123456,0,BARCLAYS CITY ROAD,PAYEE 1,REF 1,1234.00

BACS Euro Multiple Standard CSV

For Euro payments which are debiting and crediting accounts within the UK

This import format is the normal comma separated variable length (CSV) format.

Each credit record within the import file is contained on a separate line (separated by a carriage return/line feed combination) and each field within a record is separated by a comma. In addition you have the option that each field within a record may be enclosed in double quotes.

The fields within each record must be presented in the order: Payee Sort Code, Payee Account Number, Payee Type of Account, Payee Bank/Branch, Payee Account Name, Reference and amount. The fields length and validation are as follows:


1 Payee bank sort code 6 or 8 Mandatory. Must be six digits without hyphens or 8 digits with.

2 Payee account number 8 Mandatory. Must be eight digit Euro account

3 Payee Type of Account 1 Mandatory. Will usually be '0'.

4 Payee bank/branch 18 or less If longer than 18 characters it will be truncated.



7 Amount 11 or less Mandatory. Up to 11 digits plus an explicit decimal point.


Examples are:

101210,00123456,0,BARCLAYS CITY ROAD,PAYEE 1,REF 1,1000.00

10-12-10,00123456,0,BARCLAYS CITY ROAD,PAYEE 1,REF 1,1000.00

101210,00123456,0,,PAYEE 1,REF 1,1000.00 101210,00123456,0,BARCLAYS CITY ROAD,PAYEE 1,REF 1,1234.00

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BACS Multiple Fixed Length

This import format is a legacy Lloyds Bank format included to facilitate customer migration from Lloydslink to PFE.

The file to be imported must be in text format, with no header and no trailer, containing nothing but fixed length BACS standard layout records, each terminated by a carriage-return line-feed pair. The fields and format are as follows:

Field No.

Field Name Fixed Length

End Positio

n

Mapping to BACS Multiple field and validation

1 Beneficiary bank sort code

6 6 Mandatory. Must be six digits.

2 Beneficiary bank account number

8 14 Mandatory. Must be eight digits.

3 Type of account code 1 15 Any digit (0-9). If not a digit, it will default to 0 in BACS Multiple record.

4 Transaction code 2 17 Must be 99 or the transaction is ignored.

5 Originating sorting code number

6 23 The contents of this field will be ignored, but it must be present.

6 Originating account number


7 Free format 4 35 The contents of this field will be ignored, but it must be present.

8 Amount 11 right-

justified

46 Mandatory. Must be 11 digits zero-filled from the left with no decimal point.

9 Users name 18 64 The contents of this field will be ignored, but it must be present.

10 Beneficiary reference 18 82

11 Beneficiary name 18 100 Mandatory.

12 BACS processing day of data record

6 106 The contents of this field will be ignored and it will usually not be present at all, the record terminating after field 11.


Example fixed length file:

1 2 3 4 5 6 7 8 9 123456789012345678901234567890123456789012345679012345678901234567890123456789012345678901234567890

20304000357967099 00000148973 MYSON INV2387 SCIMITAR SERVICES

30942801264196099 00000049628 MYSON INV2643 RUDDSPRINT

40924200065111099 00000004125 MYSON INV2245 THOMPSON IND

70324503366789099 00000043897 MYSON INV2410 RORY AND ADAMS

88003304567822099 00008137680 MYSON INV2519 LETCHFORD PAPER

Note: In the example above the numbering is provided as a guide and should not be included in the file itself.

If a record is not exactly 100 characters long (or 106 if the optional field 12 is included) then the transaction will be rejected.

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BACS Euro Multiple Fixed Length

This import format is a legacy Lloyds bank format included to facilitate customer migration from Lloydslink to PFE.

The file to be imported must be in text format, with no header and no trailer, containing nothing but fixed length BACS standard layout records, each terminated by a carriage-return line-feed pair.

The fields and format are as follows:

Field No.

Field Name Fixed Length

End Position

Mapping to BACS Multiple field and validation

1 Beneficiary bank sort code 6 6 Mandatory. Must be six digits.

2 Beneficiary bank account number

8 14 Mandatory. Must be eight digits Euro account

3 Type of account code 1 15 Any digit (0-9). If not a digit, it will default to 0 in BACS Multiple record.

4 Transaction code 2 17 Must be 99 or the transaction is ignored.

5 Originating sorting code number


6 Originating account number 8 31 The contents of this field will be ignored, but it must be present.

7 Free format 4 35 The contents of this field will be ignored, but it must be present.

8 Amount 11 right-

justified

46 Mandatory. Must be 11 digits zero-filled from the left with no decimal point.

9 Users name 18

64 The contents of this field will be ignored, but it must be present.

10 Beneficiary reference 18 82

11 Beneficiary name 18 100 Mandatory.

12 BACS processing day of data record

6 106 The contents of this field will be ignored and it will usually not be present at all, the record terminating after field 11.

Example fixed length file:

1 2 3 4 5 6 7 8 9 123456789012345678901234567890123456789012345679012345678901234567890123456789012345678901234567890

20304000357967099 00000148973 MYSON INV2387 SCIMITAR SERVICES

30942801264196099 00000049628 MYSON INV2643 RUDDSPRINT

40924200065111099 00000004125 MYSON INV2245 THOMPSON IND

70324503366789099 00000043897 MYSON INV2410 RORY AND ADAMS

88003304567822099 00008137680 MYSON INV2519 LETCHFORD PAPER

Note: In the example above the numbering is provided as a guide and should not be included in the file itself.

During import any lower-case characters will be converted to upper case and any characters not valid for BACS will be replaced with a space.

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1.5 Beneficiary account data import file formats.

There are two types of file formats for importing beneficiary account data they are as follows:

CSV

XML

CSV Format

Field No. Field Name Fixed Length Validation

1 Type Mandatory. Beneficiary only.

2 Name 50 Mandatory. Maximum 50 characters.

3 Account Number 50 Mandatory. Maximum 50 characters

4 Bank clearing code 50 Maximum 50 characters

5 Currency 3 Any 3 character ISO currency code

6 Account Holder 200 Mandatory. Maximum of 200 characters

7 Account Holder Address


8 Is Lloyds TSB Account 1 0 (False) or 1 (True)

9 Bank Name 200 Maximum of 200 characters

10 Bank Country 2 Any 2 character ISO country code

11 Bank BIC 11 A valid BIC Code

12 Bank Address 200 Maximum of 200 characters.

Example:

Beneficiary, Georges Current Account,00658058, 309634, USD, George Washington, 1600 Pennsylvania Avenue, 0,Bank of America, US, LOYDGB2LXXX, Barclay House

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XML Format

Field No. Field Name Fixed Length

Validation

1 Type Mandatory. Beneficiary only.

2 Name 50 Mandatory. Maximum 50 characters.

3 Account Number 50 Mandatory. Maximum 50 characters

4 Bank clearing code 50 Maximum 50 characters

5 Currency 3 Any 3 character ISO currency code

6 Account Holder 200 Mandatory. Maximum of 200 characters

7 Account Holder Address


8 Is Lloyds TSB Account 1 0 (False) or 1 (True)

9 Bank Name 200 Maximum of 200 characters

10 Bank Country 2 Any 2 character ISO country code

11 Bank BIC 11 A valid BIC Code

12 Bank Address 200 Maximum of 200 characters.

Example:

Beneficiary

Georges Account

00658058

309634

USD

George Washington

1600 Pennsylvania Avenue

0

Bank of America

US

LOYDGB2LXXX

Barclay House

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10. File Formats1. File Formats1.1 Introduction1.2 File format type1.3 Valid BACS Characters1.4 File format definition

10. File Formats - Lloyds Bank Commercial Bank. File Formats Table of Contents 1. ... 1.2 File format type The following file formats are supported: PFE-XML: All payment types can

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