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BAI2 statement format

BAI2, also called the "Bank Administration Institute Version 2", is the upgraded version of the BAI file format.

It was introduced by the "Bank Administration Institute", based in the US, to facilitate previous day reporting of account balance information to clients and their agents, for activities that have occurred on a client's accounts.

The main objective of the BAI2 file format is to provide clients with structured, machine-readable account information that can be consumed and processed by client systems automatically, to provide sufficient account information to support their business needs including automated account reconciliation processes (i.e. ERP "Electronic Reconciliation Processing" systems like SAP, MYOB etc).

This format has limited enrichment support compared to other non-legacy statement formats.

Format overview

The following diagram depicts the BAI2 file layout.

BAI2 file layout

The following table defines the record types shown above.

Record Code Record Name Purpose Location in File Mandatory/Optional
01 File Header Marks the beginning of a file. Identifies the;
  • Sender of the file.
  • Receiver of the file.
  • File structure description.
 Begins File Mandatory
02 Group Header Marks the beginning of a group. Identifies the group of accounts sent in the file that are from the same sender. Provides the;
  • File Sender and Receiver.
  • Originator date.
  • Currency code identifier for the country of sender.
 Begins Group Mandatory
03 Account Identifier Marks the beginning of an account record. Identifies the following account information for the given account;
  • Account number.
  • Type of account activity (status and summary).
  • Currency code for the amount value reported.
  • Funds type.
  • Item Count.
 Begins Account Mandatory
16 Account Transaction Detail Provides transaction detail information. Identifies the;
  • Transaction Type code.
  • Amount.
  • Funds type.
  • Westpac Reference Number.
  • Customer Reference Number.
 Follows Record 03 Optional
88 Continuation For continuation of 03 or 16 records. Follows Record 03, 16 or 88 Optional
49 Account Trailer Marks the end of an account. Provides the;
  • Account Control Total.
  • Number of account records.
 Ends Account Mandatory
98 Group Trailer Marks the end of a group within a file. Identifies the;
  • Group Control Total.
  • Number of Accounts in a group.
  • Number of Records in a group.
 Ends Group Mandatory
99 File Trailer Marks the end of a File. Identifies the;
  • File Control Total.
  • Number of Accounts.
  • Number of Records.
 Ends File Mandatory

Note:

  • A file will contain only a single group. The group will start with record 02 (Group Header) and end with record 98.
  • A group may contain several accounts. Each account record will start with record 03 and end with record 49.
  • An account may or may not contain records 16 or 88, as these are optional records within a file.

Fixed length records

The BankRec BAI2 file format uses fixed length records, up to 80 bytes per line, including any "comma" delimiter characters and the "slash" record termination character.

Field delimiters

Each record within a file contains fields, which are delimited according to the following rules;

  • Each field within a record is delimited with a "comma" (,).
  • Optional fields that have been defaulted or left unspecified are indicated by adjacent delimiters. If there are additional fields following the defaulted field, they are indicated by two "commas" (,,). If the defaulted field is the last field in the record, it is indicated by a "comma" followed by a "slash" (,/).
  • A "comma" (,) and "slash" (/) cannot be used as data fields within a file, except in text fields, as they are used as field and record delimiters respectively. They can appear within "text" fields, but may not be used to begin the text field.

Record termination

There are two rules for terminating a record within a given file. They are;

  • The end of a record that does not include text, should always be terminated by the "slash" delimiter (/). Example: Header Record 01 indicated below.

01,021000021,G5702364 COL,060202,1301,001,,,2/

  • The end of a continuation record that includes text should not be indicated by any delimiter. These records are delimited by the next non-continuation record. Example: Account records 16 and 88 indicated below.

16,175,631500,Z,0003930045232,0013256202/

88,YOUR REF=0013256202

Leading zeros

All leading zeros within file extracts will be provided, including the following leading zeros;

  • Record codes (e.g. 01, 02, 03 etc).
  • Type Codes (e.g. 001, 099 etc).
  • Account Numbers (e.g. 032000, 000007, 032000000016).

File specification

Record 01 - File header

Field Number Field Name Field Description Data Format (Length) Mandatory/Optional
1 Record Code Fixed value of 01. Integer (2) Mandatory
2 Sender ID Fixed value of WPACAU2DK. Characters (9) Mandatory
3 Receiver ID The iLink "System Code" (i.e. system code that is receiving the message). Characters Mandatory
4 File Creation Date The file creation date in AEST date, and format of YYMMDD. Date/Integer (6) Mandatory
5 File Creation Time The file creation time in AEST time, and format of hhmm. Time/Integer (4) Mandatory
6 File ID Number Fixed value of 01. Integer (2) Mandatory
7 Physical Record Length The maximum character length of a record. Integer (3) Optional
8 Block Size Blank. Blank Optional
9 BAI Version Fixed value of 2. Integer (1) Mandatory

Sample - Record 01:

01,WPACAU2DK,WIBSCUST,060302,1301,01,080,,2/

Meaning: The sender Bank Westpac (WPACAU2DK) is sending data to receiver (WIBSCUST) on 2nd Mar 2006 13:01 hrs. This is the first file of the day, with physical record length of 080 and in BAI file version number 2.

Record 02 - Group header

Field Number Field Name Field Description Data Format (Length) Mandatory/Optional
1 Record Code Fixed value of 02. Integer (2) Mandatory
2 Ultimate Receiver ID The iLink "System Code" (i.e. system code that is receiving the message). Will match the Receiver ID in Record 01. Characters Optional
3 Originator ID Fixed value of WPACAU2DK. Characters Mandatory
4 Group Status Fixed value of 1, indicating "Update" status. Integer (1) Mandatory
5 As of Date The originator date for which account information provided within a given group in the file is being reported in AEST date, and format of YYMMDD. Date/Integer (6) Mandatory
6 As of Time Blank. Blank Optional
7 Currency Code The base ISO Currency Code for the Country of the file sender. Characters (3) Optional
8 As of Date Modifier Fixed value of 2, as Westpac account information is available as of previous day. Integer (1) Optional

Sample 02 Record:

02,WIBSCUST,WPACAU2DK,1,060302,,AUD,2/

Meaning: The receiver (WIBSCUST) is receiving update data (1) from sender Bank Westpac (WPACAU2DK) on 2nd Mar 2006 in Australian dollars for the previous day.

Record 03 - Account identifier and summary status

Field Number Field Name Field Description Data Format (Length) Mandatory/Optional
1 Record Code Fixed value of 03. Integer (2) Mandatory
2 Customer Account Number Populated with the customer account (BSB and account number). Integer Mandatory
3 Currency Code The ISO currency code representing the accounts currency. Characters (3) Optional
4 Type Code The account summary or account status activity reported within this record. Information related to these type codes can be found in the section Type Codes of this document specification. Integer (3) Optional
5 Amount The value of the activity identified by the preceding Type Code. Provided without decimal places. Signed for Type Codes 010, 015 and 045, unsigned for Type Codes 100 and 400. Float Optional
6 Item Count For Type Codes 010, 015 and 045, this field will be left Blank. For Type Code 100 and 400, total count of transactions. Integer Optional
7 Funds Type Blank. Blank Optional
Field Numbers 4, 5, 6 and 7 are repeated until all account status and summary information for a given account has been reported.

Sample 03 Record:

03,032000000007,AUD,010,300000,,,015,-100000,,,045,765000,,,/

88,100,9760000,1,,400,503333,2,/

Meaning: The following account information for Customer account 032000000007 has been reported within this record.

  • Opening Balance of 3000.00 AUD.
  • Closing Balance of -10000.00 AUD.
  • Available Closing Balance of 7650.00 AUD.
  • Total value of Credit transactions is 97600.00 AUD, with 1 transaction.
  • Total value of Debit transactions is 5033.33 AUD, with 2 transactions.

Record 16 - Transaction detail

Field Number Field Name Field Description Data Format (Length) Mandatory/Optional
1 Record Code Fixed value of 16. Integer (2) Mandatory
2 Type Code See BAI2 codes described in Type Codes. Integer (3) Mandatory
3 Amount The unsigned value of the transaction. Provided without decimal places. Float Optional
4 Funds Type Fixed value of Z, indicating an "Unknown" funds type. Character (1) Optional
5 Bank Reference The "Westpac Reference" allocated to a transaction. Character Optional
6 Customer Reference The "Customer Reference" received from clients. Populated with reference data received from clients, which may include cheque serial numbers or other transaction identifier information. Integer Optional
7 Text The "Narrative" for a transaction. Provides additional, human-readable information about a transaction.

Note: When this field is present, it will always be reported in an 88 record immediately following this record.		 Character Optional

Record 88 - Continuation

Record 88 is used to continue a Record 03, 16 or 88, when these records exceed the maximum record character limit.

Field Number Field Name Field Description Data Format (Length) Mandatory/Optional
1 Record Code Fixed value of 88. Integer (2) Mandatory
2 (Next Field) Continues the information being reported in the preceding record.

If this record is succeding an 03 record, this field will be continuing the account information from the preceding record.

If this record is succeding a 16 record, this field will be populated with;
  • Text continuation, if the previous record ended with a text field.
  • Whatever field follows the final field in previous record, if previous record did not end with a text field.
 Characters Mandatory

Sample 03 Record Continuation:

03,032000000007,AUD,010,904444445,,,015,904444453,,,045,904444453,,,100,200000/

88,10,,400,500000,10,/

Sample 16 Record Continuation:

16,698,90000,Z,0000050000,/

88,YOUR REFERENCE: IA000000000

Record 49 - Account trailer

Field Number Field Name Field Description Data Format (Length) Mandatory/Optional
1 Record Code Fixed value of 49. Integer (2) Mandatory
2 Account Control Total The signed, algebraic sum of all "Amount" fields reported within the preceding account records. Provided without decimal places. Float Mandatory
3 Number of Records The total number of records reported for this account (i.e. Count of all 03, 16, 88 and 49 Records reported for this account). Integer Mandatory

Sample 49 Record:

49,98530055,8/

Meaning: The total value of amounts reported for this account is 985300.55 AUD, over 8 records.

Record 98 - Group trailer

Field Number Field Name Field Description Data Format (Length) Mandatory/Optional
1 Record Code Fixed value of 98. Integer (2) Mandatory
2 Group Control Total The signed, algebraic sum of all "Amounts" reported within all "Account Control Total" fields from record 49, within this group. Provided without decimal places. Float Mandatory
3 Number of Accounts The total number of accounts reported in this group. (i.e. Count of 03 records in this group). Integer Mandatory
4 Number of Records The total number of records reported in this group (i.e. Count of all 02, 03, 16, 88, 49 and 98 Records reported for this group). Integer Mandatory

Sample 98 Record:

98,1093333111333,28,117/

Meaning: The total value of amount reported for this group is 10933331113.33 AUD, for 28 accounts reported in 117 records.

Record 99 - File trailer

Field Number Field Name Field Description Data Format (Length) Mandatory/Optional
1 Record Code Fixed value of 99. Integer (2) Mandatory
2 File Control Total The signed, algebraic sum of all "Amounts" reported within all "Group Control Total" fields from all 98 records within this file. Provided without decimal places. Float Mandatory
3 Number of Groups The total number of groups reported in this file (i.e. Count of 02 records in this file). Integer Mandatory
4 Number of Records The total number of records reported in this file (i.e. Count of all 01, 02, 03, 16, 88, 49, 98 and 99 Records reported per account). Integer Mandatory

Sample 99 Record:

99,1093333111333,10,315/

Meaning: The total value of amount reported for this file is 10933331113.33 AUD, for 10 groups reported in 315 records.

Type codes

Account status - Type codes

Type Code Description
010 Opening Balance
015 Closing Balance
045 Available Closing Balance

Account summary - Type codes

Type Code Description
100 Total Value of all Credit transactions
400 Total Value of all Debit transactions

Transaction codes

Westpac Australia - Transaction detail codes

The "BAI2 Code" for a transaction is determined from the incoming Westpac Transaction Code, using mappings described below. The "Text" for the transaction is the associated "Westpac Narrative" specified below.

The "BAI2 Code Name" listed in the table below is provided for reference purposes only.

Westpac Transaction Code Westpac Narrative Corresponding BAI2 Code BAI2 Code Name
050 DEPOSIT 142 ACH CREDIT RECEIVED
051 DEPOSIT INTEREST FROM GOV'T INVESTMENT 142 ACH CREDIT RECEIVED
052 DEPOSIT-FAMILY ALLOWANCE 142 ACH CREDIT RECEIVED
053 DEPOSIT-SALARY 142 ACH CREDIT RECEIVED
054 DEPOSIT-PENSION 142 ACH CREDIT RECEIVED
056 DEPOSIT DIVIDEND 142 ACH CREDIT RECEIVED
057 DEPOSIT-DEBENTURE/NOTE INTEREST 142 ACH CREDIT RECEIVED
060 DEPOSIT 142 ACH CREDIT RECEIVED
095 MERCHANT SETTLEMENT 147 INDIVIDUAL BANK CARD DEPOSIT
159 EXPORT PROCEEDS RECEIVED REFERENCE 164 CORPORATE TRADE PAYMENT CREDIT
271 PROCEEDS EXPORT BILL NEGOTIATED REFERENCE 164 CORPORATE TRADE PAYMENT CREDIT
510 DEPOSIT 167 ACH SETTLEMENT CREDITS
269 DIRECT CREDIT RETURNED 168 ACH RETURN ITEM OR ADJUSTMENT SETTLEMENT
072 CHEQUE RECEIVED-OMITTED FROM DEPOSIT 172 DEPOSIT CORRECTION
076 MERCHANT AMOUNT OMITTED FROM DEPOSIT 172 DEPOSIT CORRECTION
080 CHEQUE AMOUNT INCORRECT ON DEPOSIT 172 DEPOSIT CORRECTION
097 BUSINESS EXPRESS DEPOSIT - CASH ERROR 172 DEPOSIT CORRECTION
151 COS CASH ERROR 172 DEPOSIT CORRECTION
168 ERROR IN DEPOSIT 172 DEPOSIT CORRECTION
295 ERROR IN ADDITION ON DEPOSIT 172 DEPOSIT CORRECTION
856 ADJUSTMENT FOR ERROR IN PROCESSING ON 172 DEPOSIT CORRECTION
086 ERROR IN CARRY FORWARD OF CHEQUE TOTAL 173 BANK-PREPARED DEPOSIT
050 DEPOSIT 174 OTHER DEPOSIT
859 DEPOSIT - FUNDS TRANSFERRED 174 OTHER DEPOSIT
050 DEPOSIT 175 CHECK DEPOSIT PACKAGE
060 DEPOSIT 175 CHECK DEPOSIT PACKAGE
061 DEPOSIT 175 CHECK DEPOSIT PACKAGE
167 DEPOSIT 175 CHECK DEPOSIT PACKAGE
073 RTGS HIGH VALUE PAYMENT REF NO 195 INCOMING MONEY TRANSFER
094 PERIODICAL PAYMENT FROM 195 INCOMING MONEY TRANSFER
098 AUSTRACLEAR PAYMENT REF NO 195 INCOMING MONEY TRANSFER
155 PROCEEDS FROM TELEGRAPHIC TRANSFER 195 INCOMING MONEY TRANSFER
194 DEPOSIT - INTERNET ONLINE BANKING 195 INCOMING MONEY TRANSFER
251 DEPOSIT 195 INCOMING MONEY TRANSFER
859 DEPOSIT - FUNDS TRANSFERRED 195 INCOMING MONEY TRANSFER
886 DEPOSIT 195 INCOMING MONEY TRANSFER
887 DEPOSIT-OSKO PAYMENT 195 INCOMING MONEY TRANSFER
154 REVERSAL OF DEBIT TRANSACTION ON 196 MONEY TRANSFER ADJUSTMENT
196 PROCEEDS OVERSEAS TELEGRAPHIC TRANSFER 208 INDIVIDUAL INTERNATIONAL MONEY TRANSFER CREDIT
186 OVERSEAS ITEM AS ADVISED 221 FOREIGN CHECK PURCHASE
094 PERIODICAL PAYMENT FROM 227 STANDING ORDER
197 MONEY MARKET DEPOSIT TRANSACTION 244 INTEREST/MATURED PRINCIPAL PAYMENT
190 DISCOUNT SECURITY TRANSACTION 246 COMMERCIAL PAPER
150 PRINCIPAL PAID ON 249 MISCELLANEOUS SECURITY CREDIT
154 REVERSAL OF DEBIT TRANSACTION ON 252 DEBIT REVERSAL
895 DEPOSIT-PAYMENT REVERSAL 252 DEBIT REVERSAL
896 DEPOSIT-OSKO PAYMENT REVERSAL 252 DEBIT REVERSAL
891 DEPOSIT-PAYMENT RETURN 266 RETURN ITEM
892 DEPOSIT-OSKO PAYMENT RETURN 266 RETURN ITEM
188 TRANSFER/REPLENISHMENT FROM ACCOUNT 275 ZBA CREDIT
062 DEPOSIT WESTPAC CHESS SETTLEMENT 342 BROKER DEPOSIT
610 DEPOSIT TERMINATION OF CASH DEPOSIT 350 INVESTMENT SOLD
153 INTEREST PAID ON 354 INTEREST CREDIT
195 INTEREST PAID 354 INTEREST CREDIT
280 CREDIT INTEREST TRANSFERRED FROM ACCOUNT 354 INTEREST CREDIT
065 INTEREST ADJUSTMENT FOR 359 INTEREST ADJUSTMENT CREDIT
192 INTEREST ADJUSTMENT 359 INTEREST ADJUSTMENT CREDIT
169 REVERSAL OF DISHONOURED CHEQUE 395 CHECK REVERSAL
161 REFUND OF FEE CHARGED ON 398 MISCELLANEOUS FEE REFUND
050 DEPOSIT 399 MISCELLANEOUS CREDIT
060 DEPOSIT 399 MISCELLANEOUS CREDIT
061 DEPOSIT 399 MISCELLANEOUS CREDIT
013 PAYMENT BY AUTHORITY TO 451 ACH DEBIT RECEIVED
037 IMPORT COLLECTION PAID REFERENCE 464 CORPORATE TRADE PAYMENT DEBIT
106 DRAWING-IMPORT LETTER OF CREDIT 464 CORPORATE TRADE PAYMENT DEBIT
116 IMPORT ITEM AS ADVISED 464 CORPORATE TRADE PAYMENT DEBIT
046 DIRECT ENTRY DRAWING 466 ACH SETTLEMENT
513 WITHDRAWAL 466 ACH SETTLEMENT
207 DIRECT DEBIT REJECTED 468 ACH RETURN ITEM OR ADJUSTMENT SETTLEMENT
209 DIRECT DEBIT RETURNED 468 ACH RETURN ITEM OR ADJUSTMENT SETTLEMENT
000 WITHDRAWAL/CHEQUE 475 CHECK PAID
001 WITHDRAWAL 475 CHECK PAID
005 WITHDRAWAL BY COUNTER CHEQUE 475 CHECK PAID
009 WITHDRAWAL BY CHEQUE 475 CHECK PAID
006 RITS PAYMENT REF NO 495 OUTGOING MONEY TRANSFER
014 WITHDRAWAL FOR 495 OUTGOING MONEY TRANSFER
029 RTGS HIGH VALUE PAYMENT REF NO 495 OUTGOING MONEY TRANSFER
109 PROVISION FOR LOCAL TELEPHONE TRANSFER 495 OUTGOING MONEY TRANSFER
122 WITHDRAWAL - INTERNET ONLINE BANKING 495 OUTGOING MONEY TRANSFER
127 WITHDRAWAL - TELEPHONE BANK SELF-SERVICE 495 OUTGOING MONEY TRANSFER
134 WITHDRAWAL - INTERNET ONLINE BANKING 495 OUTGOING MONEY TRANSFER
203 WITHDRAWAL 495 OUTGOING MONEY TRANSFER
803 WITHDRAWAL 495 OUTGOING MONEY TRANSFER
817 WITHDRAWAL-OSKO PAYMENT 495 OUTGOING MONEY TRANSFER
137 OVERSEAS TELEGRAPHIC TRANSFER REFERENCE 508 INDIVIDUAL INTERNATIONAL MONEY TRANSFER DEBITS
239 CANCEL'N COSTS - FORWARD EXCHANGE CONTRACT 514 FOREIGN EXCHANGE DEBIT
003 PERIODICAL PAYMENT TO 527 STANDING ORDER
148 WITHDRAWAL FOR WESTPAC CHESS SETTLEMENT 535 PURCHASE OF EQUITY SECURITIES
237 MONEY MARKET DEPOSIT TRANSACTION 544 INTEREST/MATURED PRINCIPAL PAYMENT
235 DISCOUNT SECURITY TRANSACTION 546 COMMERCIAL PAPER
011 AUSTRACLEAR PAYMENT REF NO 549 MISCELLANEOUS SECURITY DEBIT
007 REVERSAL OF DEPOSIT DUE TO CHEQUE/S UNPAID 555 DEPOSITED ITEM RETURNED
870 WITHDRAWAL-PAYMENT RETURN 566 RETURN ITEM
874 WITHDRAWAL-OSKO PAYMENT RETURN 566 RETURN ITEM
114 TRANSFER/REPLENISHMENT BY AUTHORITY 575 ZBA DEBIT
144 FINANCIAL INSTITUTIONS LEVY - NORFOLK IS. 575 ZBA DEBIT
231 FUNDS TRANSFERED TO TERM DEPOSIT 650 INVESTMENTS PURCHASED
231 FUNDS TRANSFERED TO TERM DEPOSIT 651 INDIVIDUAL INVESTMENT PURCHASED
017 INTEREST 654 INTEREST DEBIT
104 INTEREST PAYABLE ON ACCOUNT 654 INTEREST DEBIT
025 INTEREST ADJUSTMENT FOR 659 INTEREST ADJUSTMENT DEBIT
217 INTEREST ADJUSTMENT 659 INTEREST ADJUSTMENT DEBIT
102 REVERSAL OF CREDIT TRANSACTION ON 694 DEPOSIT REVERSAL
845 CHARGEBACK 694 DEPOSIT REVERSAL
004 BUSINESS EXPRESS DEPOSIT - CASH ERROR 695 DEPOSIT CORRECTION DEBIT
016 ERROR IN DEPOSIT 695 DEPOSIT CORRECTION DEBIT
200 DEPOSIT INCLUDES FOREIGN CURRENCY CHEQUE 695 DEPOSIT CORRECTION DEBIT
204 MERCHANT SUMMARY MISSING FROM ENVELOPE 695 DEPOSIT CORRECTION DEBIT
219 ERROR IN ADDITION ON DEPOSIT 695 DEPOSIT CORRECTION DEBIT
247 THIRD PARTY CHEQUE TO BE VERIFIED 695 DEPOSIT CORRECTION DEBIT
287 MERCHANT ENVELOPE NOT RECEIVED WITH DEP. 695 DEPOSIT CORRECTION DEBIT
289 CHEQUE AMOUNT INCORRECT ON DEPOSIT 695 DEPOSIT CORRECTION DEBIT
298 ERROR IN CARRY FORWARD OF CHEQUE TOTAL 695 DEPOSIT CORRECTION DEBIT
826 ADJUSTMENT FOR ERROR IN PROCESSING ON 695 DEPOSIT CORRECTION DEBIT
001 WITHDRAWAL 698 MISCELLANEOUS FEES
015 FEE 698 MISCELLANEOUS FEES
018 COMMISSION 698 MISCELLANEOUS FEES
031 COMMISSION - EXPORT BILL REFERENCE 698 MISCELLANEOUS FEES
038 COMMISSION IMPORT COLLECTION REFERENCE 698 MISCELLANEOUS FEES
039 FEE FOR DEPOSIT BOOK 698 MISCELLANEOUS FEES
042 MERCHANT CHARGES 698 MISCELLANEOUS FEES
100 ESTABLISHMENT FEE-IMPORT LETTER OF CREDIT 698 MISCELLANEOUS FEES
112 AMENDMENT FEE-IMPORT LETTER OF CREDIT 698 MISCELLANEOUS FEES
126 DOCUMENT HANDLING FEE 698 MISCELLANEOUS FEES
128 BANK GUARANTEE FEE 698 MISCELLANEOUS FEES
145 TRANSFER OF FEE FROM 698 MISCELLANEOUS FEES
243 WITHDRAWAL FOR SETTLEMENT 698 MISCELLANEOUS FEES
013 PAYMENT BY AUTHORITY TO 699 MISCELLANEOUS DEBIT
014 WITHDRAWAL FOR 699 MISCELLANEOUS DEBIT
017 INTEREST 699 MISCELLANEOUS DEBIT

Occasionally Westpac will introduce new transaction codes. If a transaction code is received that is not explicity defined above, it will appear as a 399 (Miscellaneous Credit) or 699 (Miscellaneous Debit). A more appropriate code will be assigned at a later date.

Format variations

The following outlines the differences between the Westpac BankRec BAI2 format and the legacy Westpac WIBS-AI BAI2 format.

Row Type Field Difference
01 Field 3 WIBS-AI and BankRec will have different receiving IDs values.
01 Field 7 BankRec pads this field to 3 digits where WIBS does not.
02 Field 2 WIBS-AI and BankRec will have different receiving IDs values.
03 Field 6 BankRec does not pad this field as per the above specification where WIBS does.
03 Fields 4 - 7 The order of the account summary activities will change between WIBS-AI and BankRec.
02/98 n/a BankRec will provide a single account group in a physical file where WIBS-AI provides a group for each individual account.
88 n/a BankRec narratives may include additional padding when compared to WIBS-AI.
49 Field 2 BankRec sums all amount fields when calculating the Account Control Total where WIBS-AI omit the total Credit/Debit values from Record 03

Enrichment support

If you receive a data-enriched (bulked, reconciled or debulked) statement there will be some modifications to the Transaction Detail records.

Bulked/reconciled enrichment

For bulked and reconciled enrichment, the following modifications will be applied to the 16 record:

  • Bank Reference: This field will be populated with a unique, BankRec-generated transaction identifier.
  • Customer Reference: This field will be populated with the Batch Payment Reference Code.

Debulked recievables enrichment

For debulked recievables enrichment, the following modifications will be applied to the 16 record:

  • Each 16 record that previously represented a bulk settlement record will be replaced with multiple 16 records representing each transaction that formed the bulk settlement.
  • Bank Reference: This field will be populated with the Customer Reference Number.
  • Customer Reference: This field will be populated with the Payment Reference Code.

Debulked payables enrichment

For debulked payables enrichment, the following modifications will be applied to the 16 record:

  • Each 16 record that previously represented a bulk settlement record will be replaced with multiple 16 records representing each transaction that formed the bulk settlement.
  • Bank Reference: This field will be populated with the Payer Reference.
  • Customer Reference: This field will be populated with the Payee Reference.

External entry enrichment

For external entry enrichment (i.e, transactions enriched with information from an external EFT feed), the following modifications will be applied to the 16 record:

  • Bank Reference: This field will be populated with the Customer Code sourced from the external feed.
  • Customer Reference: This field will be populated with the Remitter Name sourced from the external feed.

If you require further enrichment (transaction code manipulation, alternate reference values, etc.), you should discuss this during your implementation.

Sample files

The following files are intended to be examples only.

NPP sample transactions

Download the NPP sample BAI2 file.

This file contains examples of all NPP transaction codes, and how they will appear in a standard BAI2 statement.

Privacy Statement

Privacy Statement (for individuals whose personal information may be collected - in this clause referred to as "you"). All personal information we collect about you is collected, used and disclosed by us in accordance with our Privacy Statement which is available at Privacy Statement or by calling us through your relationship manager or Westpac representative. Our Privacy Statement also provides information about how you can access and correct your personal information and make a complaint. You do not have to provide us with any personal information but, if you don't, we may not be able to process an application or a request for a product or service.