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Products / Finance & accounting / REST API

Bank Statement Reconciler

Turn European and US bank statements into clean, verified data in one API call. Every balance checked to the cent, every counterparty extracted, no AI guesswork.

MT940 · MT942 · camt.052/053/054 · BAI2 · CODA · ZIP → JSON · CSV · hledger · Beancount · camt.053 · DATEV

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Balance audit sample output

NL69 INGB 0123 4567 89 · EUR

Opening balance
12,500.00
+ Credits
2,500.00
− Debits
189.95
= Calculated closing
14,810.05
Closing reported by bank
14,810.05

Difference 0.00VERIFIED

See it work

Pick a sample, or open the last tab and try it with your own file. Every result here is the engine's real output, nothing is mocked or edited.

A savings-bank file with ?20 subfields, a direct debit and its return (an RD reversal), and a Latin-1 umlaut in a counterparty name.

sparkasse-style-mt940.sta 837 bytes · MT940

Input file

:20:STARTUMSE
:25:50010517/0648489890
:28C:00012/001
:60F:C260130EUR8420,10
:61:2601300130CR2380,00NTRFNONREF//POS 1
:86:166?00GUTSCHR. UEBERWEISUNG?109310?20EREF+RE-2026-0042?21SVWZ
+Rechnung 2026-0042 vom?22 05.01.2026 Wartungsvertrag?30COBADEFFX
XX?31DE89370400440532013000?32Müller Maschinenbau GmbH
:61:2601300130DR129,90NDDTNONREF//POS 2
:86:105?00FOLGELASTSCHRIFT?109248?20EREF+NT-INV-889123?21MREF+M-0
099-77?22CRED+DE98ZZZ09999999999?23SVWZ+Nordnetz Rechnung Janu?24
ar 2026 Kd-Nr 4455?30DUSSDEDDXXX?31DE65100700000123456789?32Nordn
etz Telekom GmbH
:61:2601300130RD129,90NRTINONREF//POS 3
:86:109?00RUECKLASTSCHRIFT?109248?20EREF+NT-INV-889123?21MREF+M-0
099-77?22CRED+DE98ZZZ09999999999?23SVWZ+Ruecklastschrift?30DUSSDE
DDXXX?31DE65100700000123456789?32Nordnetz Telekom GmbH?34901
:62F:C260130EUR10800,10
-

Audit result

VERIFIED 1 statement · 3 transactions

STARTUMSE
VERIFIED
Opening
8420.10
+ Credits
2509.90
− Debits
129.90
= Calculated
10800.10
Bank's closing
10800.10 EUR

Transactions

DateAmountCounterpartyReferencePurpose
2026-01-30 2380.00 EUR Müller Maschinenbau GmbHDE89370400440532013000 RE-2026-0042 Rechnung 2026-0042 vom 05.01.2026 Wartungsvertrag
2026-01-30 -129.90 EUR Nordnetz Telekom GmbHDE65100700000123456789 NT-INV-889123 Nordnetz Rechnung Januar 2026 Kd-Nr 4455
2026-01-30 129.90 EURreversal Nordnetz Telekom GmbHDE65100700000123456789 NT-INV-889123 Ruecklastschrift
JSON response output_format=json 
{
  "api_version": "2.0",
  "detected_format": "MT940",
  "file_count": 1,
  "statement_count": 1,
  "transaction_count": 3,
  "overall_verdict": "VERIFIED",
  "verdict_counts": {
    "VERIFIED": 1
  },
  "warnings": [],
  "statements": [
    {
      "statement_index": 0,
      "source_file": "sparkasse-style-mt940.sta",
      "format": "MT940",
      "statement_reference": "STARTUMSE",
      "sequence_number": "00012/001",
      "account_id": "50010517/0648489890",
      "account_servicer_bic": "",
      "currency": "EUR",
      "creation_datetime": "",
      "opening_balance": "8420.10",
      "opening_balance_date": "2026-01-30",
      "opening_balance_type": "60F",
      "closing_balance": "10800.10",
      "closing_balance_date": "2026-01-30",
      "closing_balance_type": "62F",
      "closing_available_balance": null,
      "closing_available_balance_date": null,
      "closing_available_balance_type": null,
      "total_credits": "2509.90",
      "total_debits": "129.90",
      "credit_count": 2,
      "debit_count": 1,
      "pending_count": 0,
      "calculated_closing_balance": "10800.10",
      "discrepancy_amount": "0.00",
      "audit_method": "BALANCE_EQUATION",
      "audit_verdict": "VERIFIED",
      "audit_notes": [],
      "statement_information": "",
      "transaction_count": 3,
      "transactions": [
        {
          "transaction_hash": "6055cc8f87dbc3b7e2dad51b69fe465bd1ae7f72a63665a9f4ba24ec8ac157ca",
          "booking_date": "2026-01-30",
          "value_date": "2026-01-30",
          "direction": "CREDIT",
          "is_reversal": false,
          "status": "BOOKED",
          "amount": "2380.00",
          "signed_amount": "2380.00",
          "currency": "EUR",
          "bank_transaction_code": "NTRF",
          "bank_transaction_code_proprietary": "",
          "gvc": "166",
          "booking_text": "GUTSCHR. UEBERWEISUNG",
          "bank_reference": "POS 1",
          "customer_reference": "NONREF",
          "end_to_end_id": "RE-2026-0042",
          "mandate_id": "",
          "creditor_id": "",
          "counterparty_name": "Müller Maschinenbau GmbH",
          "counterparty_iban": "DE89370400440532013000",
          "counterparty_bic": "COBADEFFXXX",
          "counterparty_account": "DE89370400440532013000",
          "purpose": "Rechnung 2026-0042 vom 05.01.2026 Wartungsvertrag",
          "return_reason": "",
          "raw_information": "166?00GUTSCHR. UEBERWEISUNG?109310?20EREF+RE-2026-0042?21SVWZ\n+Rechnung 2026-0042 vom?22 05.01.2026 Wartungsvertrag?30COBADEFFX\nXX?31DE89370400440532013000?32Müller Maschinenbau GmbH",
          "structured_fields": {
            "PRIMANOTA": "9310",
            "EREF": "RE-2026-0042",
            "SVWZ": "Rechnung 2026-0042 vom 05.01.2026 Wartungsvertrag",
            "FUNDS_CODE": "R"
          },
          "batch_details": []
        },
        {
          "transaction_hash": "1015154cfe7ca2bfca28a5f61ef3d97a18ba0553e811427e01310cfaa41b7be5",
          "booking_date": "2026-01-30",
          "value_date": "2026-01-30",
          "direction": "DEBIT",
          "is_reversal": false,
          "status": "BOOKED",
          "amount": "129.90",
          "signed_amount": "-129.90",
          "currency": "EUR",
          "bank_transaction_code": "NDDT",
          "bank_transaction_code_proprietary": "",
          "gvc": "105",
          "booking_text": "FOLGELASTSCHRIFT",
          "bank_reference": "POS 2",
          "customer_reference": "NONREF",
          "end_to_end_id": "NT-INV-889123",
          "mandate_id": "M-0099-77",
          "creditor_id": "DE98ZZZ09999999999",
          "counterparty_name": "Nordnetz Telekom GmbH",
          "counterparty_iban": "DE65100700000123456789",
          "counterparty_bic": "DUSSDEDDXXX",
          "counterparty_account": "DE65100700000123456789",
          "purpose": "Nordnetz Rechnung Januar 2026 Kd-Nr 4455",
          "return_reason": "",
          "raw_information": "105?00FOLGELASTSCHRIFT?109248?20EREF+NT-INV-889123?21MREF+M-0\n099-77?22CRED+DE98ZZZ09999999999?23SVWZ+Nordnetz Rechnung Janu?24\nar 2026 Kd-Nr 4455?30DUSSDEDDXXX?31DE65100700000123456789?32Nordn\netz Telekom GmbH",
          "structured_fields": {
            "PRIMANOTA": "9248",
            "EREF": "NT-INV-889123",
            "MREF": "M-0099-77",
            "CRED": "DE98ZZZ09999999999",
            "SVWZ": "Nordnetz Rechnung Januar 2026 Kd-Nr 4455",
            "FUNDS_CODE": "R"
          },
          "batch_details": []
        },
        {
          "transaction_hash": "4c84375ac5d6822d48eb01512a6fa53389d679143821f0a32375deaf196221f4",
          "booking_date": "2026-01-30",
          "value_date": "2026-01-30",
          "direction": "CREDIT",
          "is_reversal": true,
          "status": "BOOKED",
          "amount": "129.90",
          "signed_amount": "129.90",
          "currency": "EUR",
          "bank_transaction_code": "NRTI",
          "bank_transaction_code_proprietary": "",
          "gvc": "109",
          "booking_text": "RUECKLASTSCHRIFT",
          "bank_reference": "POS 3",
          "customer_reference": "NONREF",
          "end_to_end_id": "NT-INV-889123",
          "mandate_id": "M-0099-77",
          "creditor_id": "DE98ZZZ09999999999",
          "counterparty_name": "Nordnetz Telekom GmbH",
          "counterparty_iban": "DE65100700000123456789",
          "counterparty_bic": "DUSSDEDDXXX",
          "counterparty_account": "DE65100700000123456789",
          "purpose": "Ruecklastschrift",
          "return_reason": "901",
          "raw_information": "109?00RUECKLASTSCHRIFT?109248?20EREF+NT-INV-889123?21MREF+M-0\n099-77?22CRED+DE98ZZZ09999999999?23SVWZ+Ruecklastschrift?30DUSSDE\nDDXXX?31DE65100700000123456789?32Nordnetz Telekom GmbH?34901",
          "structured_fields": {
            "PRIMANOTA": "9248",
            "EREF": "NT-INV-889123",
            "MREF": "M-0099-77",
            "CRED": "DE98ZZZ09999999999",
            "SVWZ": "Ruecklastschrift"
          },
          "batch_details": []
        }
      ]
    }
  ]
}
CSV export output_format=csv 
source_file,statement_index,statement_reference,account_id,audit_verdict,transaction_hash,booking_date,value_date,direction,is_reversal,status,amount,signed_amount,currency,counterparty_name,counterparty_iban,counterparty_bic,counterparty_account,purpose,end_to_end_id,mandate_id,creditor_id,bank_transaction_code,bank_transaction_code_proprietary,gvc,booking_text,return_reason,bank_reference,customer_reference
sparkasse-style-mt940.sta,0,STARTUMSE,50010517/0648489890,VERIFIED,6055cc8f87dbc3b7e2dad51b69fe465bd1ae7f72a63665a9f4ba24ec8ac157ca,2026-01-30,2026-01-30,CREDIT,false,BOOKED,2380.00,2380.00,EUR,Müller Maschinenbau GmbH,DE89370400440532013000,COBADEFFXXX,DE89370400440532013000,Rechnung 2026-0042 vom 05.01.2026 Wartungsvertrag,RE-2026-0042,,,NTRF,,166,GUTSCHR. UEBERWEISUNG,,POS 1,NONREF
sparkasse-style-mt940.sta,0,STARTUMSE,50010517/0648489890,VERIFIED,1015154cfe7ca2bfca28a5f61ef3d97a18ba0553e811427e01310cfaa41b7be5,2026-01-30,2026-01-30,DEBIT,false,BOOKED,129.90,-129.90,EUR,Nordnetz Telekom GmbH,DE65100700000123456789,DUSSDEDDXXX,DE65100700000123456789,Nordnetz Rechnung Januar 2026 Kd-Nr 4455,NT-INV-889123,M-0099-77,DE98ZZZ09999999999,NDDT,,105,FOLGELASTSCHRIFT,,POS 2,NONREF
sparkasse-style-mt940.sta,0,STARTUMSE,50010517/0648489890,VERIFIED,4c84375ac5d6822d48eb01512a6fa53389d679143821f0a32375deaf196221f4,2026-01-30,2026-01-30,CREDIT,true,BOOKED,129.90,129.90,EUR,Nordnetz Telekom GmbH,DE65100700000123456789,DUSSDEDDXXX,DE65100700000123456789,Ruecklastschrift,NT-INV-889123,M-0099-77,DE98ZZZ09999999999,NRTI,,109,RUECKLASTSCHRIFT,901,POS 3,NONREF

Three daily statements that each add up, but statement 00006 is missing. The balance chain shows it.

ing-style-mt940-gap.sta 1127 bytes · MT940

Input file

:20:P260105000000001
:25:NL69INGB0123456789EUR
:28C:00004
:60F:C260102EUR12500,00
:61:2601050105C2500,00NTRFNONREF//2601050012345678
:86:/EREF/INV-2026-0012//CNTP/NL44RABO0123456789/RABONL2U/Acme Tr
ading B.V./AMSTERDAM//REMI/USTD//Invoice INV-2026-0012 January ho
sting/
:61:2601050105D189,95NDDTEREF//2601050012345679
:86:/EREF/CH-778899//MARF/MNDT-CH-01//CSID/NL12ZZZ123456780000//C
NTP/IE29AIBK93115212345678/AIBKIE2D/Cloudhost Europe Ltd///REMI/U
STD//Hosting invoice 778899/
:62F:C260105EUR14810,05
:64:C260105EUR14810,05
:20:P260106000000001
:25:NL69INGB0123456789EUR
:28C:00005
:60F:C260105EUR14810,05
:61:2601060106D1000,00NTRFNONREF//2601060099
:86:/EREF/NOTPROVIDED//CNTP/NL91ABNA0417164300/ABNANL2A/J. de Vri
es///REMI/USTD//Freelance design week 1/
:62F:C260106EUR13810,05
:64:C260106EUR13810,05
:20:P260108000000001
:25:NL69INGB0123456789EUR
:28C:00007
:60F:C260107EUR13310,05
:61:2601080108C750,00NTRFNONREF//2601080011
:86:/EREF/INV-2026-0019//CNTP/NL44RABO0123456789/RABONL2U/Acme Tr
ading B.V.///REMI/USTD//Invoice INV-2026-0019/
:62F:C260108EUR14060,05
:64:C260108EUR14060,05

Audit result

DISCREPANCY 3 statements · 4 transactions

BALANCE_CONTINUITY_BREAK Statement 'P260106000000001' closes at 13810.05 on 2026-01-06 but the next statement 'P260108000000001' opens at 13310.05 - a statement may be missing.

P260105000000001
VERIFIED
Opening
12500.00
+ Credits
2500.00
− Debits
189.95
= Calculated
14810.05
Bank's closing
14810.05 EUR
P260106000000001
VERIFIED
Opening
14810.05
+ Credits
0.00
− Debits
1000.00
= Calculated
13810.05
Bank's closing
13810.05 EUR
P260108000000001
VERIFIED
Opening
13310.05
+ Credits
750.00
− Debits
0.00
= Calculated
14060.05
Bank's closing
14060.05 EUR

Transactions

DateAmountCounterpartyReferencePurpose
2026-01-05 2500.00 EUR Acme Trading B.V.NL44RABO0123456789 INV-2026-0012 Invoice INV-2026-0012 January hosting
2026-01-05 -189.95 EUR Cloudhost Europe LtdIE29AIBK93115212345678 CH-778899 Hosting invoice 778899
2026-01-06 -1000.00 EUR J. de VriesNL91ABNA0417164300 – Freelance design week 1
2026-01-08 750.00 EUR Acme Trading B.V.NL44RABO0123456789 INV-2026-0019 Invoice INV-2026-0019
JSON response output_format=json 
{
  "api_version": "2.0",
  "detected_format": "MT940",
  "file_count": 1,
  "statement_count": 3,
  "transaction_count": 4,
  "overall_verdict": "DISCREPANCY",
  "verdict_counts": {
    "VERIFIED": 3
  },
  "warnings": [
    {
      "type": "BALANCE_CONTINUITY_BREAK",
      "account_id": "NL69INGB0123456789",
      "message": "Statement 'P260106000000001' closes at 13810.05 on 2026-01-06 but the next statement 'P260108000000001' opens at 13310.05 - a statement may be missing.",
      "statement_indexes": [
        1,
        2
      ]
    }
  ],
  "statements": [
    {
      "statement_index": 0,
      "source_file": "ing-style-mt940-gap.sta",
      "format": "MT940",
      "statement_reference": "P260105000000001",
      "sequence_number": "00004",
      "account_id": "NL69INGB0123456789",
      "account_servicer_bic": "",
      "currency": "EUR",
      "creation_datetime": "",
      "opening_balance": "12500.00",
      "opening_balance_date": "2026-01-02",
      "opening_balance_type": "60F",
      "closing_balance": "14810.05",
      "closing_balance_date": "2026-01-05",
      "closing_balance_type": "62F",
      "closing_available_balance": "14810.05",
      "closing_available_balance_date": "2026-01-05",
      "closing_available_balance_type": "64",
      "total_credits": "2500.00",
      "total_debits": "189.95",
      "credit_count": 1,
      "debit_count": 1,
      "pending_count": 0,
      "calculated_closing_balance": "14810.05",
      "discrepancy_amount": "0.00",
      "audit_method": "BALANCE_EQUATION",
      "audit_verdict": "VERIFIED",
      "audit_notes": [],
      "statement_information": "",
      "transaction_count": 2,
      "transactions": [
        {
          "transaction_hash": "61076fadce378a0e422aa63472d2ccf52e655092d532cd4587015ca2b9ec6bf2",
          "booking_date": "2026-01-05",
          "value_date": "2026-01-05",
          "direction": "CREDIT",
          "is_reversal": false,
          "status": "BOOKED",
          "amount": "2500.00",
          "signed_amount": "2500.00",
          "currency": "EUR",
          "bank_transaction_code": "NTRF",
          "bank_transaction_code_proprietary": "",
          "gvc": "",
          "booking_text": "",
          "bank_reference": "2601050012345678",
          "customer_reference": "NONREF",
          "end_to_end_id": "INV-2026-0012",
          "mandate_id": "",
          "creditor_id": "",
          "counterparty_name": "Acme Trading B.V.",
          "counterparty_iban": "NL44RABO0123456789",
          "counterparty_bic": "RABONL2U",
          "counterparty_account": "NL44RABO0123456789",
          "purpose": "Invoice INV-2026-0012 January hosting",
          "return_reason": "",
          "raw_information": "/EREF/INV-2026-0012//CNTP/NL44RABO0123456789/RABONL2U/Acme Tr\nading B.V./AMSTERDAM//REMI/USTD//Invoice INV-2026-0012 January ho\nsting/",
          "structured_fields": {
            "EREF": "INV-2026-0012",
            "CNTP": "NL44RABO0123456789/RABONL2U/Acme Trading B.V./AMSTERDAM",
            "REMI": "USTD//Invoice INV-2026-0012 January hosting",
            "CNTP_CITY": "AMSTERDAM"
          },
          "batch_details": []
        },
        {
          "transaction_hash": "4be118e9ddb9d0b155c8617855e416ff414b16a0cccfc478c0142c23fe5d6042",
          "booking_date": "2026-01-05",
          "value_date": "2026-01-05",
          "direction": "DEBIT",
          "is_reversal": false,
          "status": "BOOKED",
          "amount": "189.95",
          "signed_amount": "-189.95",
          "currency": "EUR",
          "bank_transaction_code": "NDDT",
          "bank_transaction_code_proprietary": "",
          "gvc": "",
          "booking_text": "",
          "bank_reference": "2601050012345679",
          "customer_reference": "EREF",
          "end_to_end_id": "CH-778899",
          "mandate_id": "MNDT-CH-01",
          "creditor_id": "NL12ZZZ123456780000",
          "counterparty_name": "Cloudhost Europe Ltd",
          "counterparty_iban": "IE29AIBK93115212345678",
          "counterparty_bic": "AIBKIE2D",
          "counterparty_account": "IE29AIBK93115212345678",
          "purpose": "Hosting invoice 778899",
          "return_reason": "",
          "raw_information": "/EREF/CH-778899//MARF/MNDT-CH-01//CSID/NL12ZZZ123456780000//C\nNTP/IE29AIBK93115212345678/AIBKIE2D/Cloudhost Europe Ltd///REMI/U\nSTD//Hosting invoice 778899/",
          "structured_fields": {
            "EREF": "CH-778899",
            "MARF": "MNDT-CH-01",
            "CSID": "NL12ZZZ123456780000",
            "CNTP": "IE29AIBK93115212345678/AIBKIE2D/Cloudhost Europe Ltd",
            "REMI": "USTD//Hosting invoice 778899"
          },
          "batch_details": []
        }
      ]
    },
    {
      "statement_index": 1,
      "source_file": "ing-style-mt940-gap.sta",
      "format": "MT940",
      "statement_reference": "P260106000000001",
      "sequence_number": "00005",
      "account_id": "NL69INGB0123456789",
      "account_servicer_bic": "",
      "currency": "EUR",
      "creation_datetime": "",
      "opening_balance": "14810.05",
      "opening_balance_date": "2026-01-05",
      "opening_balance_type": "60F",
      "closing_balance": "13810.05",
      "closing_balance_date": "2026-01-06",
      "closing_balance_type": "62F",
      "closing_available_balance": "13810.05",
      "closing_available_balance_date": "2026-01-06",
      "closing_available_balance_type": "64",
      "total_credits": "0.00",
      "total_debits": "1000.00",
      "credit_count": 0,
      "debit_count": 1,
      "pending_count": 0,
      "calculated_closing_balance": "13810.05",
      "discrepancy_amount": "0.00",
      "audit_method": "BALANCE_EQUATION",
      "audit_verdict": "VERIFIED",
      "audit_notes": [],
      "statement_information": "",
      "transaction_count": 1,
      "transactions": [
        {
          "transaction_hash": "3651b0d97028efbb0e73158862aef4e34ef19559602f27b013f53da98f9fb3e8",
          "booking_date": "2026-01-06",
          "value_date": "2026-01-06",
          "direction": "DEBIT",
          "is_reversal": false,
          "status": "BOOKED",
          "amount": "1000.00",
          "signed_amount": "-1000.00",
          "currency": "EUR",
          "bank_transaction_code": "NTRF",
          "bank_transaction_code_proprietary": "",
          "gvc": "",
          "booking_text": "",
          "bank_reference": "2601060099",
          "customer_reference": "NONREF",
          "end_to_end_id": "",
          "mandate_id": "",
          "creditor_id": "",
          "counterparty_name": "J. de Vries",
          "counterparty_iban": "NL91ABNA0417164300",
          "counterparty_bic": "ABNANL2A",
          "counterparty_account": "NL91ABNA0417164300",
          "purpose": "Freelance design week 1",
          "return_reason": "",
          "raw_information": "/EREF/NOTPROVIDED//CNTP/NL91ABNA0417164300/ABNANL2A/J. de Vri\nes///REMI/USTD//Freelance design week 1/",
          "structured_fields": {
            "EREF": "NOTPROVIDED",
            "CNTP": "NL91ABNA0417164300/ABNANL2A/J. de Vries",
            "REMI": "USTD//Freelance design week 1"
          },
          "batch_details": []
        }
      ]
    },
    {
      "statement_index": 2,
      "source_file": "ing-style-mt940-gap.sta",
      "format": "MT940",
      "statement_reference": "P260108000000001",
      "sequence_number": "00007",
      "account_id": "NL69INGB0123456789",
      "account_servicer_bic": "",
      "currency": "EUR",
      "creation_datetime": "",
      "opening_balance": "13310.05",
      "opening_balance_date": "2026-01-07",
      "opening_balance_type": "60F",
      "closing_balance": "14060.05",
      "closing_balance_date": "2026-01-08",
      "closing_balance_type": "62F",
      "closing_available_balance": "14060.05",
      "closing_available_balance_date": "2026-01-08",
      "closing_available_balance_type": "64",
      "total_credits": "750.00",
      "total_debits": "0.00",
      "credit_count": 1,
      "debit_count": 0,
      "pending_count": 0,
      "calculated_closing_balance": "14060.05",
      "discrepancy_amount": "0.00",
      "audit_method": "BALANCE_EQUATION",
      "audit_verdict": "VERIFIED",
      "audit_notes": [],
      "statement_information": "",
      "transaction_count": 1,
      "transactions": [
        {
          "transaction_hash": "8619fac5622b138f294db1d54472a9cd0a37a73046560879fb9a6e5d5424b47d",
          "booking_date": "2026-01-08",
          "value_date": "2026-01-08",
          "direction": "CREDIT",
          "is_reversal": false,
          "status": "BOOKED",
          "amount": "750.00",
          "signed_amount": "750.00",
          "currency": "EUR",
          "bank_transaction_code": "NTRF",
          "bank_transaction_code_proprietary": "",
          "gvc": "",
          "booking_text": "",
          "bank_reference": "2601080011",
          "customer_reference": "NONREF",
          "end_to_end_id": "INV-2026-0019",
          "mandate_id": "",
          "creditor_id": "",
          "counterparty_name": "Acme Trading B.V.",
          "counterparty_iban": "NL44RABO0123456789",
          "counterparty_bic": "RABONL2U",
          "counterparty_account": "NL44RABO0123456789",
          "purpose": "Invoice INV-2026-0019",
          "return_reason": "",
          "raw_information": "/EREF/INV-2026-0019//CNTP/NL44RABO0123456789/RABONL2U/Acme Tr\nading B.V.///REMI/USTD//Invoice INV-2026-0019/",
          "structured_fields": {
            "EREF": "INV-2026-0019",
            "CNTP": "NL44RABO0123456789/RABONL2U/Acme Trading B.V.",
            "REMI": "USTD//Invoice INV-2026-0019"
          },
          "batch_details": []
        }
      ]
    }
  ]
}
CSV export output_format=csv 
source_file,statement_index,statement_reference,account_id,audit_verdict,transaction_hash,booking_date,value_date,direction,is_reversal,status,amount,signed_amount,currency,counterparty_name,counterparty_iban,counterparty_bic,counterparty_account,purpose,end_to_end_id,mandate_id,creditor_id,bank_transaction_code,bank_transaction_code_proprietary,gvc,booking_text,return_reason,bank_reference,customer_reference
ing-style-mt940-gap.sta,0,P260105000000001,NL69INGB0123456789,VERIFIED,61076fadce378a0e422aa63472d2ccf52e655092d532cd4587015ca2b9ec6bf2,2026-01-05,2026-01-05,CREDIT,false,BOOKED,2500.00,2500.00,EUR,Acme Trading B.V.,NL44RABO0123456789,RABONL2U,NL44RABO0123456789,Invoice INV-2026-0012 January hosting,INV-2026-0012,,,NTRF,,,,,2601050012345678,NONREF
ing-style-mt940-gap.sta,0,P260105000000001,NL69INGB0123456789,VERIFIED,4be118e9ddb9d0b155c8617855e416ff414b16a0cccfc478c0142c23fe5d6042,2026-01-05,2026-01-05,DEBIT,false,BOOKED,189.95,-189.95,EUR,Cloudhost Europe Ltd,IE29AIBK93115212345678,AIBKIE2D,IE29AIBK93115212345678,Hosting invoice 778899,CH-778899,MNDT-CH-01,NL12ZZZ123456780000,NDDT,,,,,2601050012345679,EREF
ing-style-mt940-gap.sta,1,P260106000000001,NL69INGB0123456789,VERIFIED,3651b0d97028efbb0e73158862aef4e34ef19559602f27b013f53da98f9fb3e8,2026-01-06,2026-01-06,DEBIT,false,BOOKED,1000.00,-1000.00,EUR,J. de Vries,NL91ABNA0417164300,ABNANL2A,NL91ABNA0417164300,Freelance design week 1,,,,NTRF,,,,,2601060099,NONREF
ing-style-mt940-gap.sta,2,P260108000000001,NL69INGB0123456789,VERIFIED,8619fac5622b138f294db1d54472a9cd0a37a73046560879fb9a6e5d5424b47d,2026-01-08,2026-01-08,CREDIT,false,BOOKED,750.00,750.00,EUR,Acme Trading B.V.,NL44RABO0123456789,RABONL2U,NL44RABO0123456789,Invoice INV-2026-0019,INV-2026-0019,,,NTRF,,,,,2601080011,NONREF

An XML statement with a batch booking, a returned payment and a pending entry.

camt053-v02.xml 5808 bytes · CAMT.053

Input file

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.053.001.02" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <BkToCstmrStmt>
    <GrpHdr>
      <MsgId>CAMT053-20260228-0001</MsgId>
      <CreDtTm>2026-02-28T22:15:00</CreDtTm>
    </GrpHdr>
    <Stmt>
      <Id>2026-02-28-00059</Id>
      <ElctrncSeqNb>59</ElctrncSeqNb>
      <CreDtTm>2026-02-28T22:15:00</CreDtTm>
      <Acct>
        <Id><IBAN>DE89370400440532013000</IBAN></Id>
        <Ccy>EUR</Ccy>
        <Svcr><FinInstnId><BIC>COBADEFFXXX</BIC></FinInstnId></Svcr>
      </Acct>
      <Bal>
        <Tp><CdOrPrtry><Cd>PRCD</Cd></CdOrPrtry></Tp>
        <Amt Ccy="EUR">15000.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt><Dt>2026-02-27</Dt></Dt>
      </Bal>
      <Bal>
        <Tp><CdOrPrtry><Cd>CLBD</Cd></CdOrPrtry></Tp>
        <Amt Ccy="EUR">17419.60</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt><Dt>2026-02-28</Dt></Dt>
      </Bal>
      <Bal>
        <Tp><CdOrPrtry><Cd>CLAV</Cd></CdOrPrtry></Tp>
        <Amt Ccy="EUR">17200.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt><Dt>2026-02-28</Dt></Dt>
      </Bal>
      <Ntry>
        <Amt Ccy="EUR">4200.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Sts>BOOK</Sts>
        <BookgDt><Dt>2026-02-28</Dt></BookgDt>
        <ValDt><Dt>2026-02-28</Dt></ValDt>
        <AcctSvcrRef>2026022800001</AcctSvcrRef>
        <BkTxCd>
          <Domn><Cd>PMNT</Cd><Fmly><Cd>RCDT</Cd><SubFmlyCd>ESCT</SubFmlyCd></Fmly></Domn>
          <Prtry><Cd>NTRF+166+931</Cd><Issr>DK</Issr></Prtry>
        </BkTxCd>
        <NtryDtls>
          <TxDtls>
            <Refs><EndToEndId>RE-2026-0101</EndToEndId></Refs>
            <AmtDtls><TxAmt><Amt Ccy="EUR">4200.00</Amt></TxAmt></AmtDtls>
            <RltdPties>
              <Dbtr><Nm>Schneider Logistik AG</Nm></Dbtr>
              <DbtrAcct><Id><IBAN>DE44500105175407324931</IBAN></Id></DbtrAcct>
            </RltdPties>
            <RltdAgts><DbtrAgt><FinInstnId><BIC>INGDDEFFXXX</BIC></FinInstnId></DbtrAgt></RltdAgts>
            <RmtInf><Ustrd>EREF+RE-2026-0101 SVWZ+Rechnung 2026-0101</Ustrd></RmtInf>
          </TxDtls>
        </NtryDtls>
        <AddtlNtryInf>GUTSCHR. UEBERWEISUNG</AddtlNtryInf>
      </Ntry>
      <Ntry>
        <Amt Ccy="EUR">1530.40</Amt>
        <CdtDbtInd>DBIT</CdtDbtInd>
        <Sts>BOOK</Sts>
        <BookgDt><Dt>2026-02-28</Dt></BookgDt>
        <ValDt><Dt>2026-02-28</Dt></ValDt>
        <AcctSvcrRef>2026022800002</AcctSvcrRef>
        <BkTxCd><Domn><Cd>PMNT</Cd><Fmly><Cd>ICDT</Cd><SubFmlyCd>ESCT</SubFmlyCd></Fmly></Domn></BkTxCd>
        <NtryDtls>
          <Btch><NbOfTxs>2</NbOfTxs></Btch>
          <TxDtls>
            <Refs><EndToEndId>PAY-RUN-7-A</EndToEndId></Refs>
            <AmtDtls><TxAmt><Amt Ccy="EUR">1000.00</Amt></TxAmt></AmtDtls>
            <RltdPties>
              <Cdtr><Nm>Lieferant A GmbH</Nm></Cdtr>
              <CdtrAcct><Id><IBAN>DE65100700000123456789</IBAN></Id></CdtrAcct>
            </RltdPties>
            <RmtInf><Ustrd>Rechnung A-55</Ustrd></RmtInf>
          </TxDtls>
          <TxDtls>
            <Refs><EndToEndId>PAY-RUN-7-B</EndToEndId></Refs>
            <AmtDtls><TxAmt><Amt Ccy="EUR">530.40</Amt></TxAmt></AmtDtls>
            <RltdPties>
              <Cdtr><Nm>Lieferant B KG</Nm></Cdtr>
              <CdtrAcct><Id><IBAN>DE12500105170648489890</IBAN></Id></CdtrAcct>
            </RltdPties>
            <RmtInf><Ustrd>Rechnung B-981</Ustrd></RmtInf>
          </TxDtls>
        </NtryDtls>
        <AddtlNtryInf>SAMMLER-UEBERWEISUNG</AddtlNtryInf>
      </Ntry>
      <Ntry>
        <Amt Ccy="EUR">250.00</Amt>
        <CdtDbtInd>DBIT</CdtDbtInd>
        <RvslInd>true</RvslInd>
        <Sts>BOOK</Sts>
        <BookgDt><Dt>2026-02-28</Dt></BookgDt>
        <ValDt><Dt>2026-02-26</Dt></ValDt>
        <BkTxCd><Domn><Cd>PMNT</Cd><Fmly><Cd>RCDT</Cd><SubFmlyCd>RRTN</SubFmlyCd></Fmly></Domn></BkTxCd>
        <NtryDtls>
          <TxDtls>
            <Refs><EndToEndId>RE-2026-0077</EndToEndId></Refs>
            <RltdPties>
              <Dbtr><Nm>Kunde Falsch GmbH</Nm></Dbtr>
              <DbtrAcct><Id><IBAN>NL91ABNA0417164300</IBAN></Id></DbtrAcct>
            </RltdPties>
            <RmtInf><Ustrd>Rueckueberweisung RE-2026-0077</Ustrd></RmtInf>
            <RtrInf><Rsn><Cd>AC04</Cd></Rsn></RtrInf>
          </TxDtls>
        </NtryDtls>
      </Ntry>
      <Ntry>
        <Amt Ccy="EUR">999.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Sts>PDNG</Sts>
        <BookgDt><Dt>2026-03-01</Dt></BookgDt>
        <ValDt><Dt>2026-03-01</Dt></ValDt>
        <BkTxCd><Domn><Cd>PMNT</Cd><Fmly><Cd>RCDT</Cd><SubFmlyCd>ESCT</SubFmlyCd></Fmly></Domn></BkTxCd>
      </Ntry>
    </Stmt>
    <Stmt>
      <Id>2026-02-28-USD-00012</Id>
      <Acct>
        <Id><Othr><Id>0123456789-USD</Id></Othr></Id>
        <Ccy>USD</Ccy>
      </Acct>
      <Bal>
        <Tp><CdOrPrtry><Cd>OPBD</Cd></CdOrPrtry></Tp>
        <Amt Ccy="USD">1000.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt><Dt>2026-02-28</Dt></Dt>
      </Bal>
      <Bal>
        <Tp><CdOrPrtry><Cd>CLBD</Cd></CdOrPrtry></Tp>
        <Amt Ccy="USD">1250.25</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt><Dt>2026-02-28</Dt></Dt>
      </Bal>
      <Ntry>
        <Amt Ccy="USD">250.25</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>

Audit result

VERIFIED 2 statements · 5 transactions

2026-02-28-00059
VERIFIED
Opening
15000.00
+ Credits
4200.00
− Debits
1780.40
= Calculated
17419.60
Bank's closing
17419.60 EUR
Note
1 pending/informational entries are listed but excluded from the balance check.
2026-02-28-USD-00012
VERIFIED
Opening
1000.00
+ Credits
250.25
− Debits
0.00
= Calculated
1250.25
Bank's closing
1250.25 USD

Transactions

DateAmountCounterpartyReferencePurpose
2026-02-28 4200.00 EUR Schneider Logistik AGDE44500105175407324931 RE-2026-0101 Rechnung 2026-0101
2026-02-28 -1530.40 EUR – – SAMMLER-UEBERWEISUNG
2026-02-28 -250.00 EURreversal Kunde Falsch GmbHNL91ABNA0417164300 RE-2026-0077 Rueckueberweisung RE-2026-0077
2026-03-01 999.00 EURpending – – –
2026-02-28 250.25 USD US Client Inc – PO 4410
JSON response output_format=json 
{
  "api_version": "2.0",
  "detected_format": "CAMT.053",
  "file_count": 1,
  "statement_count": 2,
  "transaction_count": 5,
  "overall_verdict": "VERIFIED",
  "verdict_counts": {
    "VERIFIED": 2
  },
  "warnings": [],
  "statements": [
    {
      "statement_index": 0,
      "source_file": "camt053-v02.xml",
      "format": "CAMT.053",
      "statement_reference": "2026-02-28-00059",
      "sequence_number": "59",
      "account_id": "DE89370400440532013000",
      "account_servicer_bic": "COBADEFFXXX",
      "currency": "EUR",
      "creation_datetime": "2026-02-28T22:15:00",
      "opening_balance": "15000.00",
      "opening_balance_date": "2026-02-27",
      "opening_balance_type": "PRCD",
      "closing_balance": "17419.60",
      "closing_balance_date": "2026-02-28",
      "closing_balance_type": "CLBD",
      "closing_available_balance": "17200.00",
      "closing_available_balance_date": "2026-02-28",
      "closing_available_balance_type": "CLAV",
      "total_credits": "4200.00",
      "total_debits": "1780.40",
      "credit_count": 1,
      "debit_count": 2,
      "pending_count": 1,
      "calculated_closing_balance": "17419.60",
      "discrepancy_amount": "0.00",
      "audit_method": "BALANCE_EQUATION",
      "audit_verdict": "VERIFIED",
      "audit_notes": [
        "1 pending/informational entries are listed but excluded from the balance check."
      ],
      "statement_information": "",
      "transaction_count": 4,
      "transactions": [
        {
          "transaction_hash": "edde312f91bf745245338ff7899a850cc9e85d3eb29a02e5f745bdc3cb8247f2",
          "booking_date": "2026-02-28",
          "value_date": "2026-02-28",
          "direction": "CREDIT",
          "is_reversal": false,
          "status": "BOOKED",
          "amount": "4200.00",
          "signed_amount": "4200.00",
          "currency": "EUR",
          "bank_transaction_code": "PMNT/RCDT/ESCT",
          "bank_transaction_code_proprietary": "NTRF+166+931",
          "gvc": "166",
          "booking_text": "GUTSCHR. UEBERWEISUNG",
          "bank_reference": "2026022800001",
          "customer_reference": "",
          "end_to_end_id": "RE-2026-0101",
          "mandate_id": "",
          "creditor_id": "",
          "counterparty_name": "Schneider Logistik AG",
          "counterparty_iban": "DE44500105175407324931",
          "counterparty_bic": "INGDDEFFXXX",
          "counterparty_account": "",
          "purpose": "Rechnung 2026-0101",
          "return_reason": "",
          "raw_information": "GUTSCHR. UEBERWEISUNG",
          "structured_fields": {
            "EREF": "RE-2026-0101",
            "SVWZ": "Rechnung 2026-0101"
          },
          "batch_details": []
        },
        {
          "transaction_hash": "9fbd582ad36eb1115be52ae3004342f27ecd4f842b97fead3033e8ab247ba909",
          "booking_date": "2026-02-28",
          "value_date": "2026-02-28",
          "direction": "DEBIT",
          "is_reversal": false,
          "status": "BOOKED",
          "amount": "1530.40",
          "signed_amount": "-1530.40",
          "currency": "EUR",
          "bank_transaction_code": "PMNT/ICDT/ESCT",
          "bank_transaction_code_proprietary": "",
          "gvc": "",
          "booking_text": "SAMMLER-UEBERWEISUNG",
          "bank_reference": "2026022800002",
          "customer_reference": "",
          "end_to_end_id": "",
          "mandate_id": "",
          "creditor_id": "",
          "counterparty_name": "",
          "counterparty_iban": "",
          "counterparty_bic": "",
          "counterparty_account": "",
          "purpose": "SAMMLER-UEBERWEISUNG",
          "return_reason": "",
          "raw_information": "SAMMLER-UEBERWEISUNG",
          "structured_fields": {},
          "batch_details": [
            {
              "amount": "1000.00",
              "end_to_end_id": "PAY-RUN-7-A",
              "counterparty_name": "Lieferant A GmbH",
              "counterparty_iban": "DE65100700000123456789",
              "purpose": "Rechnung A-55"
            },
            {
              "amount": "530.40",
              "end_to_end_id": "PAY-RUN-7-B",
              "counterparty_name": "Lieferant B KG",
              "counterparty_iban": "DE12500105170648489890",
              "purpose": "Rechnung B-981"
            }
          ]
        },
        {
          "transaction_hash": "d93b3cfacdcf528df0e4ebcd6f3c9d794ec5f03c0805d23affbcf81b3fd0a229",
          "booking_date": "2026-02-28",
          "value_date": "2026-02-26",
          "direction": "DEBIT",
          "is_reversal": true,
          "status": "BOOKED",
          "amount": "250.00",
          "signed_amount": "-250.00",
          "currency": "EUR",
          "bank_transaction_code": "PMNT/RCDT/RRTN",
          "bank_transaction_code_proprietary": "",
          "gvc": "",
          "booking_text": "",
          "bank_reference": "",
          "customer_reference": "",
          "end_to_end_id": "RE-2026-0077",
          "mandate_id": "",
          "creditor_id": "",
          "counterparty_name": "Kunde Falsch GmbH",
          "counterparty_iban": "NL91ABNA0417164300",
          "counterparty_bic": "",
          "counterparty_account": "",
          "purpose": "Rueckueberweisung RE-2026-0077",
          "return_reason": "AC04",
          "raw_information": "",
          "structured_fields": {},
          "batch_details": []
        },
        {
          "transaction_hash": "7fa1199ee5bb81530ceba380e14bbb886cf8ef3ae2e86001648ec2b9afecb0c6",
          "booking_date": "2026-03-01",
          "value_date": "2026-03-01",
          "direction": "CREDIT",
          "is_reversal": false,
          "status": "PENDING",
          "amount": "999.00",
          "signed_amount": "999.00",
          "currency": "EUR",
          "bank_transaction_code": "PMNT/RCDT/ESCT",
          "bank_transaction_code_proprietary": "",
          "gvc": "",
          "booking_text": "",
          "bank_reference": "",
          "customer_reference": "",
          "end_to_end_id": "",
          "mandate_id": "",
          "creditor_id": "",
          "counterparty_name": "",
          "counterparty_iban": "",
          "counterparty_bic": "",
          "counterparty_account": "",
          "purpose": "",
          "return_reason": "",
          "raw_information": "",
          "structured_fields": {},
          "batch_details": []
        }
      ]
    },
    {
      "statement_index": 1,
      "source_file": "camt053-v02.xml",
      "format": "CAMT.053",
      "statement_reference": "2026-02-28-USD-00012",
      "sequence_number": "",
      "account_id": "0123456789-USD",
      "account_servicer_bic": "",
      "currency": "USD",
      "creation_datetime": "",
      "opening_balance": "1000.00",
      "opening_balance_date": "2026-02-28",
      "opening_balance_type": "OPBD",
      "closing_balance": "1250.25",
      "closing_balance_date": "2026-02-28",
      "closing_balance_type": "CLBD",
      "closing_available_balance": null,
      "closing_available_balance_date": null,
      "closing_available_balance_type": null,
      "total_credits": "250.25",
      "total_debits": "0.00",
      "credit_count": 1,
      "debit_count": 0,
      "pending_count": 0,
      "calculated_closing_balance": "1250.25",
      "discrepancy_amount": "0.00",
      "audit_method": "BALANCE_EQUATION",
      "audit_verdict": "VERIFIED",
      "audit_notes": [],
      "statement_information": "",
      "transaction_count": 1,
      "transactions": [
        {
          "transaction_hash": "a056ed22ce64de42f29cb6aa16110185b4141003a2876335ff4954224ebdc7e4",
          "booking_date": "2026-02-28",
          "value_date": "2026-02-28",
          "direction": "CREDIT",
          "is_reversal": false,
          "status": "BOOKED",
          "amount": "250.25",
          "signed_amount": "250.25",
          "currency": "USD",
          "bank_transaction_code": "",
          "bank_transaction_code_proprietary": "NTRF+166+000",
          "gvc": "166",
          "booking_text": "",
          "bank_reference": "",
          "customer_reference": "",
          "end_to_end_id": "",
          "mandate_id": "",
          "creditor_id": "",
          "counterparty_name": "US Client Inc",
          "counterparty_iban": "",
          "counterparty_bic": "",
          "counterparty_account": "",
          "purpose": "PO 4410",
          "return_reason": "",
          "raw_information": "",
          "structured_fields": {},
          "batch_details": []
        }
      ]
    }
  ]
}
CSV export output_format=csv 
source_file,statement_index,statement_reference,account_id,audit_verdict,transaction_hash,booking_date,value_date,direction,is_reversal,status,amount,signed_amount,currency,counterparty_name,counterparty_iban,counterparty_bic,counterparty_account,purpose,end_to_end_id,mandate_id,creditor_id,bank_transaction_code,bank_transaction_code_proprietary,gvc,booking_text,return_reason,bank_reference,customer_reference
camt053-v02.xml,0,2026-02-28-00059,DE89370400440532013000,VERIFIED,edde312f91bf745245338ff7899a850cc9e85d3eb29a02e5f745bdc3cb8247f2,2026-02-28,2026-02-28,CREDIT,false,BOOKED,4200.00,4200.00,EUR,Schneider Logistik AG,DE44500105175407324931,INGDDEFFXXX,,Rechnung 2026-0101,RE-2026-0101,,,PMNT/RCDT/ESCT,NTRF+166+931,166,GUTSCHR. UEBERWEISUNG,,2026022800001,
camt053-v02.xml,0,2026-02-28-00059,DE89370400440532013000,VERIFIED,9fbd582ad36eb1115be52ae3004342f27ecd4f842b97fead3033e8ab247ba909,2026-02-28,2026-02-28,DEBIT,false,BOOKED,1530.40,-1530.40,EUR,,,,,SAMMLER-UEBERWEISUNG,,,,PMNT/ICDT/ESCT,,,SAMMLER-UEBERWEISUNG,,2026022800002,
camt053-v02.xml,0,2026-02-28-00059,DE89370400440532013000,VERIFIED,d93b3cfacdcf528df0e4ebcd6f3c9d794ec5f03c0805d23affbcf81b3fd0a229,2026-02-28,2026-02-26,DEBIT,true,BOOKED,250.00,-250.00,EUR,Kunde Falsch GmbH,NL91ABNA0417164300,,,Rueckueberweisung RE-2026-0077,RE-2026-0077,,,PMNT/RCDT/RRTN,,,,AC04,,
camt053-v02.xml,0,2026-02-28-00059,DE89370400440532013000,VERIFIED,7fa1199ee5bb81530ceba380e14bbb886cf8ef3ae2e86001648ec2b9afecb0c6,2026-03-01,2026-03-01,CREDIT,false,PENDING,999.00,999.00,EUR,,,,,,,,,PMNT/RCDT/ESCT,,,,,,
camt053-v02.xml,1,2026-02-28-USD-00012,0123456789-USD,VERIFIED,a056ed22ce64de42f29cb6aa16110185b4141003a2876335ff4954224ebdc7e4,2026-02-28,2026-02-28,CREDIT,false,BOOKED,250.25,250.25,USD,US Client Inc,,,,PO 4410,,,,,NTRF+166+000,166,,,,

Two groups, three accounts in USD and JPY: 88 continuation lines, value-dated funds, and an account where the bank's summary totals cover more than the listed detail.

bai2-two-groups.bai2 960 bytes · BAI2

Input file

01,021000021,CUST001,261019,0615,7,80,,2/
02,CUST001,021000021,1,261018,2400,USD,2/
03,123456789,USD,010,100000000,,,015,125376544,,,045,125000000,,/
88,100,26500000,2,,400,1123456,2,/
16,165,1500000,1,DD1620,INV-2026-104, ACME SUPPLY PAYROLL REFUND
16,195,25000000,V,261019,0900,FW00021,PO-7781/
88,WIRE FROM GLOBEX CORP REF 7781 INVOICE 2026-0042
88,PART 2 OF TEXT
16,475,123456,,BR0042,1001,/
16,451,1000000,0,ACH0099,,UTILITY CO DIRECT DEBIT
16,890,,,,,BALANCE CERTIFICATE ISSUED
49,405623456,10/
03,987654321,JPY,010,5000000,,,015,4900000,,,400,100000,1,/
16,495,100000,0,FT7788,,SUPPLIER PAYMENT JP/
49,10100000,3/
98,415723456,2,15/
02,CUST001,021000021,4,261019,1200,,3/
03,555000111,,010,-250000,,,015,-150000,,,100,600000,3,,400,500000,2,/
16,142,200000,S,100000,50000,50000,ACH1,,PAYROLL RETURN
16,704,75000,,LN1,,LOAN SUBLEDGER ADJUSTMENT
16,960,300000,D,2,0,150000,2,150000,BNK960,,CUSTOM BANK FEE
49,1275000,5/
98,1275000,1,7/
99,416998456,2,24/

Audit result

VERIFIED 3 statements · 8 transactions

UNKNOWN_TYPE_CODE Line 20 (16): type code 704 is not a credit or debit code; the amount 750.00 is listed but left out of the balance check.

UNKNOWN_TYPE_CODE Line 21 (16): type code 960 is not a uniform BAI2 code; treated as a debit by its range.

DETAIL_INCOMPLETE Account 555000111: the bank's total credits are 6000.00, the detail records add up to 2000.00 (difference 4000.00). BAI2 allows banks to send detail for only some items.

DETAIL_INCOMPLETE Account 555000111: the bank's total debits are 5000.00, the detail records add up to 3000.00 (difference 2000.00). BAI2 allows banks to send detail for only some items.

GROUP_STATUS Group 2 has status 'Test only'.

7/1/1
VERIFIED
Opening
1000000.00
+ Credits
265000.00
− Debits
11234.56
= Calculated
1253765.44
Bank's closing
1253765.44 USD
7/1/2
VERIFIED
Opening
5000000
+ Credits
0
− Debits
100000
= Calculated
4900000
Bank's closing
4900000 JPY
7/2/1
VERIFIED
Opening
-2500.00
+ Credits
2000.00
− Debits
3000.00
= Calculated
-1500.00
Bank's closing
-1500.00 USD
Note
The detail lines cover only part of the account, so the balances are checked against the bank's own total credits and debits.
Note
1 pending/informational entries are listed but excluded from the balance check.

Transactions

DateAmountCounterpartyReferencePurpose
2026-10-18 15000.00 USD – – ACME SUPPLY PAYROLL REFUND
2026-10-18 250000.00 USD – – WIRE FROM GLOBEX CORP REF 7781 INVOICE 2026-0042 PART 2 OF TEXT
2026-10-18 -1234.56 USD – – –
2026-10-18 -10000.00 USD – – UTILITY CO DIRECT DEBIT
2026-10-18 -100000 JPY – – SUPPLIER PAYMENT JP
2026-10-19 2000.00 USD – – PAYROLL RETURN
2026-10-19 750.00 USDinfo – – LOAN SUBLEDGER ADJUSTMENT
2026-10-19 -3000.00 USD – – CUSTOM BANK FEE
JSON response output_format=json 
{
  "api_version": "2.0",
  "detected_format": "BAI2",
  "file_count": 1,
  "statement_count": 3,
  "transaction_count": 8,
  "overall_verdict": "VERIFIED",
  "verdict_counts": {
    "VERIFIED": 3
  },
  "warnings": [
    {
      "type": "UNKNOWN_TYPE_CODE",
      "account_id": "555000111",
      "message": "Line 20 (16): type code 704 is not a credit or debit code; the amount 750.00 is listed but left out of the balance check.",
      "statement_indexes": [
        2
      ]
    },
    {
      "type": "UNKNOWN_TYPE_CODE",
      "account_id": "555000111",
      "message": "Line 21 (16): type code 960 is not a uniform BAI2 code; treated as a debit by its range.",
      "statement_indexes": [
        2
      ]
    },
    {
      "type": "DETAIL_INCOMPLETE",
      "account_id": "555000111",
      "message": "Account 555000111: the bank's total credits are 6000.00, the detail records add up to 2000.00 (difference 4000.00). BAI2 allows banks to send detail for only some items.",
      "statement_indexes": [
        2
      ]
    },
    {
      "type": "DETAIL_INCOMPLETE",
      "account_id": "555000111",
      "message": "Account 555000111: the bank's total debits are 5000.00, the detail records add up to 3000.00 (difference 2000.00). BAI2 allows banks to send detail for only some items.",
      "statement_indexes": [
        2
      ]
    },
    {
      "type": "GROUP_STATUS",
      "account_id": "555000111",
      "message": "Group 2 has status 'Test only'.",
      "statement_indexes": [
        2
      ]
    }
  ],
  "statements": [
    {
      "statement_index": 0,
      "source_file": "bai2-two-groups.bai2",
      "format": "BAI2",
      "statement_reference": "7/1/1",
      "sequence_number": "7",
      "account_id": "123456789",
      "account_servicer_bic": "",
      "currency": "USD",
      "creation_datetime": "2026-10-19T06:15",
      "opening_balance": "1000000.00",
      "opening_balance_date": "2026-10-18",
      "opening_balance_type": "010",
      "closing_balance": "1253765.44",
      "closing_balance_date": "2026-10-18",
      "closing_balance_type": "015",
      "closing_available_balance": "1250000.00",
      "closing_available_balance_date": "2026-10-18",
      "closing_available_balance_type": "045",
      "total_credits": "265000.00",
      "total_debits": "11234.56",
      "credit_count": 2,
      "debit_count": 2,
      "pending_count": 0,
      "calculated_closing_balance": "1253765.44",
      "discrepancy_amount": "0.00",
      "audit_method": "BALANCE_EQUATION",
      "audit_verdict": "VERIFIED",
      "audit_notes": [],
      "statement_information": "Originator 021000021; Group status: Update; Final previous-day; BALANCE CERTIFICATE ISSUED",
      "transaction_count": 4,
      "transactions": [
        {
          "transaction_hash": "fd7f1e658502ee61ad962ae2bf350c3c97ac60c62e9090fb8e24cc968f3352cd",
          "booking_date": "2026-10-18",
          "value_date": "2026-10-18",
          "direction": "CREDIT",
          "is_reversal": false,
          "status": "BOOKED",
          "amount": "15000.00",
          "signed_amount": "15000.00",
          "currency": "USD",
          "bank_transaction_code": "165",
          "bank_transaction_code_proprietary": "",
          "gvc": "",
          "booking_text": "Preauthorized ACH Credit",
          "bank_reference": "DD1620",
          "customer_reference": "INV-2026-104",
          "end_to_end_id": "",
          "mandate_id": "",
          "creditor_id": "",
          "counterparty_name": "",
          "counterparty_iban": "",
          "counterparty_bic": "",
          "counterparty_account": "",
          "purpose": "ACME SUPPLY PAYROLL REFUND",
          "return_reason": "",
          "raw_information": "",
          "structured_fields": {
            "FUNDS_TYPE": "1"
          },
          "batch_details": []
        },
        {
          "transaction_hash": "b8874591363b67e5b48223efbec8ecbac26d5115843e0d89c512ade0f1b00c57",
          "booking_date": "2026-10-18",
          "value_date": "2026-10-19",
          "direction": "CREDIT",
          "is_reversal": false,
          "status": "BOOKED",
          "amount": "250000.00",
          "signed_amount": "250000.00",
          "currency": "USD",
          "bank_transaction_code": "195",
          "bank_transaction_code_proprietary": "",
          "gvc": "",
          "booking_text": "Incoming Money Transfer",
          "bank_reference": "FW00021",
          "customer_reference": "PO-7781",
          "end_to_end_id": "",
          "mandate_id": "",
          "creditor_id": "",
          "counterparty_name": "",
          "counterparty_iban": "",
          "counterparty_bic": "",
          "counterparty_account": "",
          "purpose": "WIRE FROM GLOBEX CORP REF 7781 INVOICE 2026-0042 PART 2 OF TEXT",
          "return_reason": "",
          "raw_information": "",
          "structured_fields": {
            "FUNDS_TYPE": "V",
            "VALUE_TIME": "0900"
          },
          "batch_details": []
        },
        {
          "transaction_hash": "4d58bd2a3fbf4b5692f94fdb7dc8f3653e4d8eb4c5812a2445742b9fb246a5e6",
          "booking_date": "2026-10-18",
          "value_date": "2026-10-18",
          "direction": "DEBIT",
          "is_reversal": false,
          "status": "BOOKED",
          "amount": "1234.56",
          "signed_amount": "-1234.56",
          "currency": "USD",
          "bank_transaction_code": "475",
          "bank_transaction_code_proprietary": "",
          "gvc": "",
          "booking_text": "Check Paid",
          "bank_reference": "BR0042",
          "customer_reference": "1001",
          "end_to_end_id": "",
          "mandate_id": "",
          "creditor_id": "",
          "counterparty_name": "",
          "counterparty_iban": "",
          "counterparty_bic": "",
          "counterparty_account": "",
          "purpose": "",
          "return_reason": "",
          "raw_information": "",
          "structured_fields": {
            "CHECK_NUMBER": "1001"
          },
          "batch_details": []
        },
        {
          "transaction_hash": "4fb932b03d2b119a010a6b927a79192eaab6a72933481dc6d96bf6534c36cf5e",
          "booking_date": "2026-10-18",
          "value_date": "2026-10-18",
          "direction": "DEBIT",
          "is_reversal": false,
          "status": "BOOKED",
          "amount": "10000.00",
          "signed_amount": "-10000.00",
          "currency": "USD",
          "bank_transaction_code": "451",
          "bank_transaction_code_proprietary": "",
          "gvc": "",
          "booking_text": "ACH Debit Received",
          "bank_reference": "ACH0099",
          "customer_reference": "",
          "end_to_end_id": "",
          "mandate_id": "",
          "creditor_id": "",
          "counterparty_name": "",
          "counterparty_iban": "",
          "counterparty_bic": "",
          "counterparty_account": "",
          "purpose": "UTILITY CO DIRECT DEBIT",
          "return_reason": "",
          "raw_information": "",
          "structured_fields": {
            "FUNDS_TYPE": "0"
          },
          "batch_details": []
        }
      ]
    },
    {
      "statement_index": 1,
      "source_file": "bai2-two-groups.bai2",
      "format": "BAI2",
      "statement_reference": "7/1/2",
      "sequence_number": "7",
      "account_id": "987654321",
      "account_servicer_bic": "",
      "currency": "JPY",
      "creation_datetime": "2026-10-19T06:15",
      "opening_balance": "5000000",
      "opening_balance_date": "2026-10-18",
      "opening_balance_type": "010",
      "closing_balance": "4900000",
      "closing_balance_date": "2026-10-18",
      "closing_balance_type": "015",
      "closing_available_balance": null,
      "closing_available_balance_date": null,
      "closing_available_balance_type": null,
      "total_credits": "0",
      "total_debits": "100000",
      "credit_count": 0,
      "debit_count": 1,
      "pending_count": 0,
      "calculated_closing_balance": "4900000",
      "discrepancy_amount": "0",
      "audit_method": "BALANCE_EQUATION",
      "audit_verdict": "VERIFIED",
      "audit_notes": [],
      "statement_information": "Originator 021000021; Group status: Update; Final previous-day",
      "transaction_count": 1,
      "transactions": [
        {
          "transaction_hash": "2bc8fdbacc80425a58b839c5040e79f7c7d2ecd29699abe4716340d1811f916e",
          "booking_date": "2026-10-18",
          "value_date": "2026-10-18",
          "direction": "DEBIT",
          "is_reversal": false,
          "status": "BOOKED",
          "amount": "100000",
          "signed_amount": "-100000",
          "currency": "JPY",
          "bank_transaction_code": "495",
          "bank_transaction_code_proprietary": "",
          "gvc": "",
          "booking_text": "Outgoing Money Transfer",
          "bank_reference": "FT7788",
          "customer_reference": "",
          "end_to_end_id": "",
          "mandate_id": "",
          "creditor_id": "",
          "counterparty_name": "",
          "counterparty_iban": "",
          "counterparty_bic": "",
          "counterparty_account": "",
          "purpose": "SUPPLIER PAYMENT JP",
          "return_reason": "",
          "raw_information": "",
          "structured_fields": {
            "FUNDS_TYPE": "0"
          },
          "batch_details": []
        }
      ]
    },
    {
      "statement_index": 2,
      "source_file": "bai2-two-groups.bai2",
      "format": "BAI2",
      "statement_reference": "7/2/1",
      "sequence_number": "7",
      "account_id": "555000111",
      "account_servicer_bic": "",
      "currency": "USD",
      "creation_datetime": "2026-10-19T06:15",
      "opening_balance": "-2500.00",
      "opening_balance_date": "2026-10-19",
      "opening_balance_type": "010",
      "closing_balance": "-1500.00",
      "closing_balance_date": "2026-10-19",
      "closing_balance_type": "015",
      "closing_available_balance": null,
      "closing_available_balance_date": null,
      "closing_available_balance_type": null,
      "total_credits": "2000.00",
      "total_debits": "3000.00",
      "credit_count": 1,
      "debit_count": 1,
      "pending_count": 1,
      "calculated_closing_balance": "-1500.00",
      "discrepancy_amount": "0.00",
      "audit_method": "SUMMARY_TOTALS",
      "audit_verdict": "VERIFIED",
      "audit_notes": [
        "1 pending/informational entries are listed but excluded from the balance check."
      ],
      "statement_information": "Originator 021000021; Group status: Test only; Interim same-day",
      "transaction_count": 3,
      "transactions": [
        {
          "transaction_hash": "550457beb05524541070af41f66f3121216efa786019a756af6a87639900d8b6",
          "booking_date": "2026-10-19",
          "value_date": "2026-10-19",
          "direction": "CREDIT",
          "is_reversal": false,
          "status": "BOOKED",
          "amount": "2000.00",
          "signed_amount": "2000.00",
          "currency": "USD",
          "bank_transaction_code": "142",
          "bank_transaction_code_proprietary": "",
          "gvc": "",
          "booking_text": "ACH Credit Received",
          "bank_reference": "ACH1",
          "customer_reference": "",
          "end_to_end_id": "",
          "mandate_id": "",
          "creditor_id": "",
          "counterparty_name": "",
          "counterparty_iban": "",
          "counterparty_bic": "",
          "counterparty_account": "",
          "purpose": "PAYROLL RETURN",
          "return_reason": "",
          "raw_information": "",
          "structured_fields": {
            "FUNDS_TYPE": "S"
          },
          "batch_details": []
        },
        {
          "transaction_hash": "1e6abea31248ac829c2c2649253741ba7f525cb9bbcde893cf89635650ebccf9",
          "booking_date": "2026-10-19",
          "value_date": "2026-10-19",
          "direction": "CREDIT",
          "is_reversal": false,
          "status": "INFO",
          "amount": "750.00",
          "signed_amount": "750.00",
          "currency": "USD",
          "bank_transaction_code": "704",
          "bank_transaction_code_proprietary": "",
          "gvc": "",
          "booking_text": "",
          "bank_reference": "LN1",
          "customer_reference": "",
          "end_to_end_id": "",
          "mandate_id": "",
          "creditor_id": "",
          "counterparty_name": "",
          "counterparty_iban": "",
          "counterparty_bic": "",
          "counterparty_account": "",
          "purpose": "LOAN SUBLEDGER ADJUSTMENT",
          "return_reason": "",
          "raw_information": "",
          "structured_fields": {},
          "batch_details": []
        },
        {
          "transaction_hash": "d11b17894ada1a95c5bebe6fc46611ec14ae82f4f6d2b2c077ba9a3a86d61b01",
          "booking_date": "2026-10-19",
          "value_date": "2026-10-19",
          "direction": "DEBIT",
          "is_reversal": false,
          "status": "BOOKED",
          "amount": "3000.00",
          "signed_amount": "-3000.00",
          "currency": "USD",
          "bank_transaction_code": "960",
          "bank_transaction_code_proprietary": "",
          "gvc": "",
          "booking_text": "",
          "bank_reference": "BNK960",
          "customer_reference": "",
          "end_to_end_id": "",
          "mandate_id": "",
          "creditor_id": "",
          "counterparty_name": "",
          "counterparty_iban": "",
          "counterparty_bic": "",
          "counterparty_account": "",
          "purpose": "CUSTOM BANK FEE",
          "return_reason": "",
          "raw_information": "",
          "structured_fields": {
            "FUNDS_TYPE": "D"
          },
          "batch_details": []
        }
      ]
    }
  ]
}
CSV export output_format=csv 
source_file,statement_index,statement_reference,account_id,audit_verdict,transaction_hash,booking_date,value_date,direction,is_reversal,status,amount,signed_amount,currency,counterparty_name,counterparty_iban,counterparty_bic,counterparty_account,purpose,end_to_end_id,mandate_id,creditor_id,bank_transaction_code,bank_transaction_code_proprietary,gvc,booking_text,return_reason,bank_reference,customer_reference
bai2-two-groups.bai2,0,7/1/1,123456789,VERIFIED,fd7f1e658502ee61ad962ae2bf350c3c97ac60c62e9090fb8e24cc968f3352cd,2026-10-18,2026-10-18,CREDIT,false,BOOKED,15000.00,15000.00,USD,,,,,ACME SUPPLY PAYROLL REFUND,,,,165,,,Preauthorized ACH Credit,,DD1620,INV-2026-104
bai2-two-groups.bai2,0,7/1/1,123456789,VERIFIED,b8874591363b67e5b48223efbec8ecbac26d5115843e0d89c512ade0f1b00c57,2026-10-18,2026-10-19,CREDIT,false,BOOKED,250000.00,250000.00,USD,,,,,WIRE FROM GLOBEX CORP REF 7781 INVOICE 2026-0042 PART 2 OF TEXT,,,,195,,,Incoming Money Transfer,,FW00021,PO-7781
bai2-two-groups.bai2,0,7/1/1,123456789,VERIFIED,4d58bd2a3fbf4b5692f94fdb7dc8f3653e4d8eb4c5812a2445742b9fb246a5e6,2026-10-18,2026-10-18,DEBIT,false,BOOKED,1234.56,-1234.56,USD,,,,,,,,,475,,,Check Paid,,BR0042,1001
bai2-two-groups.bai2,0,7/1/1,123456789,VERIFIED,4fb932b03d2b119a010a6b927a79192eaab6a72933481dc6d96bf6534c36cf5e,2026-10-18,2026-10-18,DEBIT,false,BOOKED,10000.00,-10000.00,USD,,,,,UTILITY CO DIRECT DEBIT,,,,451,,,ACH Debit Received,,ACH0099,
bai2-two-groups.bai2,1,7/1/2,987654321,VERIFIED,2bc8fdbacc80425a58b839c5040e79f7c7d2ecd29699abe4716340d1811f916e,2026-10-18,2026-10-18,DEBIT,false,BOOKED,100000,-100000,JPY,,,,,SUPPLIER PAYMENT JP,,,,495,,,Outgoing Money Transfer,,FT7788,
bai2-two-groups.bai2,2,7/2/1,555000111,VERIFIED,550457beb05524541070af41f66f3121216efa786019a756af6a87639900d8b6,2026-10-19,2026-10-19,CREDIT,false,BOOKED,2000.00,2000.00,USD,,,,,PAYROLL RETURN,,,,142,,,ACH Credit Received,,ACH1,
bai2-two-groups.bai2,2,7/2/1,555000111,VERIFIED,1e6abea31248ac829c2c2649253741ba7f525cb9bbcde893cf89635650ebccf9,2026-10-19,2026-10-19,CREDIT,false,INFO,750.00,750.00,USD,,,,,LOAN SUBLEDGER ADJUSTMENT,,,,704,,,,,LN1,
bai2-two-groups.bai2,2,7/2/1,555000111,VERIFIED,d11b17894ada1a95c5bebe6fc46611ec14ae82f4f6d2b2c077ba9a3a86d61b01,2026-10-19,2026-10-19,DEBIT,false,BOOKED,3000.00,-3000.00,USD,,,,,CUSTOM BANK FEE,,,,960,,,,,BNK960,

A CODA 2.6 file with two accounts: a structured +++ communication, a SEPA direct debit, a globalised supplier batch and a free-text information record.

coda-be-two-accounts.cod 2600 bytes · CODA

Input file

0000020102630005        REF0000001ACME NV                   GEBABEBB   00123456789 00000                                       2
12012BE68539007547034                  EUR0000001000000000191026ACME NV                   Current account                    012
2100010000BANKREF0001          0000000001250500201026001500001101090933755493                                      20102601201 1
2200010000                                                     E2E-INV-1001                       KREDBEBB                   1 1
2300010000BE71096123456769                     Café Liégeois SA                                                              0 1
3100010001BANKREF0001          001500001001Café Liégeois SA                                                                  1 0
3200010001Rue de la Loi 1                    1000 Bruxelles                                                                  0 0
2100020000BANKREF0001          1000000000045670201026005010501127201026110BE12ZZZ0123456789                  MANDAT20102601201 0
2200020000E-77                         Invoice 2026-10 electricE2E-DD-77                                        2AM04        1 0
2300020000                                                                        ity                                   2AM040 0
2100030000BANKREF0003          1000000000300000201026101010000Supplier batch                                       20102601210 0
2100030001BANKREF0003          1000000000100000201026501010000Supplier A invoice 1                                 20102601200 0
2100030002BANKREF0003          1000000000200000201026501010000Supplier B invoice 7                                 20102601201 0
2300030002NL91ABNA0417164300                   Supplier B BV                                                                 0 0
8012BE68539007547034                  EUR0000001000904830201026                                                                1
4 00010000                      Thank you for banking with us. Fees change on 1 January.                                       0
9               000014000000000345670000000001250500                                                                           1
0000020102630005        REF0000001ACME NV                   GEBABEBB   00123456789 00000                                       2
10044539007547034 EUR                     1000000002500000151026ACME NV                   Credit line                        044
9               000001000000000000000000000000000000                                                                           2

Audit result

VERIFIED 2 statements · 3 transactions

012/REF0000001
VERIFIED
Opening
1000000.00
+ Credits
1250.50
− Debits
345.67
= Calculated
1000904.83
Bank's closing
1000904.83 EUR
044/REF0000001
VERIFIED
Opening
-2500.00
+ Credits
0.00
− Debits
0.00
= Calculated
-2500.00
Bank's closing
-2500.00 EUR

Transactions

DateAmountCounterpartyReferencePurpose
2026-10-20 1250.50 EUR Café Liégeois SABE71096123456769 E2E-INV-1001 +++090/9337/55493+++
2026-10-20 -45.67 EUR – E2E-DD-77 Invoice 2026-10 electricity
2026-10-20 -300.00 EUR – – Supplier batch
JSON response output_format=json 
{
  "api_version": "2.0",
  "detected_format": "CODA",
  "file_count": 1,
  "statement_count": 2,
  "transaction_count": 3,
  "overall_verdict": "VERIFIED",
  "verdict_counts": {
    "VERIFIED": 2
  },
  "warnings": [],
  "statements": [
    {
      "statement_index": 0,
      "source_file": "coda-be-two-accounts.cod",
      "format": "CODA",
      "statement_reference": "012/REF0000001",
      "sequence_number": "012",
      "account_id": "BE68539007547034",
      "account_servicer_bic": "GEBABEBB",
      "currency": "EUR",
      "creation_datetime": "2026-10-20",
      "opening_balance": "1000000.00",
      "opening_balance_date": "2026-10-19",
      "opening_balance_type": "OLD_BALANCE",
      "closing_balance": "1000904.83",
      "closing_balance_date": "2026-10-20",
      "closing_balance_type": "NEW_BALANCE",
      "closing_available_balance": null,
      "closing_available_balance_date": null,
      "closing_available_balance_type": null,
      "total_credits": "1250.50",
      "total_debits": "345.67",
      "credit_count": 1,
      "debit_count": 2,
      "pending_count": 0,
      "calculated_closing_balance": "1000904.83",
      "discrepancy_amount": "0.00",
      "audit_method": "BALANCE_EQUATION",
      "audit_verdict": "VERIFIED",
      "audit_notes": [],
      "statement_information": "Current account; Thank you for banking with us. Fees change on 1 January.",
      "transaction_count": 3,
      "transactions": [
        {
          "transaction_hash": "69b608e767c2d3218311c5d4fff8373fac75bb81154b3c26de2f910181cc7739",
          "booking_date": "2026-10-20",
          "value_date": "2026-10-20",
          "direction": "CREDIT",
          "is_reversal": false,
          "status": "BOOKED",
          "amount": "1250.50",
          "signed_amount": "1250.50",
          "currency": "EUR",
          "bank_transaction_code": "00150000",
          "bank_transaction_code_proprietary": "",
          "gvc": "",
          "booking_text": "Domestic or local SEPA credit transfer",
          "bank_reference": "BANKREF0001",
          "customer_reference": "E2E-INV-1001",
          "end_to_end_id": "E2E-INV-1001",
          "mandate_id": "",
          "creditor_id": "",
          "counterparty_name": "Café Liégeois SA",
          "counterparty_iban": "BE71096123456769",
          "counterparty_bic": "KREDBEBB",
          "counterparty_account": "",
          "purpose": "+++090/9337/55493+++",
          "return_reason": "",
          "raw_information": "",
          "structured_fields": {
            "STRUCTURED_COMMUNICATION_TYPE": "101",
            "STRUCTURED_REFERENCE": "+++090/9337/55493+++",
            "CNTP": "Café Liégeois SA",
            "CNTP_ADDRESS": "Rue de la Loi 1 1000 Bruxelles"
          },
          "batch_details": []
        },
        {
          "transaction_hash": "f8c5d47bf557323f69444ee4ec6001664d1f77b015bd6a803bc183e4f60ec87e",
          "booking_date": "2026-10-20",
          "value_date": "2026-10-20",
          "direction": "DEBIT",
          "is_reversal": false,
          "status": "BOOKED",
          "amount": "45.67",
          "signed_amount": "-45.67",
          "currency": "EUR",
          "bank_transaction_code": "00501050",
          "bank_transaction_code_proprietary": "",
          "gvc": "",
          "booking_text": "Direct debit",
          "bank_reference": "BANKREF0001",
          "customer_reference": "E2E-DD-77",
          "end_to_end_id": "E2E-DD-77",
          "mandate_id": "MANDATE-77",
          "creditor_id": "BE12ZZZ0123456789",
          "counterparty_name": "",
          "counterparty_iban": "",
          "counterparty_bic": "",
          "counterparty_account": "",
          "purpose": "Invoice 2026-10 electricity",
          "return_reason": "AM04",
          "raw_information": "",
          "structured_fields": {
            "R_TRANSACTION": "Return",
            "STRUCTURED_COMMUNICATION_TYPE": "127",
            "SETTLEMENT_DATE": "2026-10-20",
            "DIRECT_DEBIT_TYPE": "Recurrent",
            "DIRECT_DEBIT_SCHEME": "SEPA Core"
          },
          "batch_details": []
        },
        {
          "transaction_hash": "2c95a80d86cbc5c16a366a2665d592b5e87bb4963b6760457ce64d3cb675be9c",
          "booking_date": "2026-10-20",
          "value_date": "2026-10-20",
          "direction": "DEBIT",
          "is_reversal": false,
          "status": "BOOKED",
          "amount": "300.00",
          "signed_amount": "-300.00",
          "currency": "EUR",
          "bank_transaction_code": "10101000",
          "bank_transaction_code_proprietary": "",
          "gvc": "",
          "booking_text": "Domestic or local SEPA credit transfer (total by customer)",
          "bank_reference": "BANKREF0003",
          "customer_reference": "",
          "end_to_end_id": "",
          "mandate_id": "",
          "creditor_id": "",
          "counterparty_name": "",
          "counterparty_iban": "",
          "counterparty_bic": "",
          "counterparty_account": "",
          "purpose": "Supplier batch",
          "return_reason": "",
          "raw_information": "",
          "structured_fields": {},
          "batch_details": [
            {
              "detail_number": "0001",
              "amount": "100.00",
              "direction": "DEBIT",
              "bank_transaction_code": "50101000",
              "bank_reference": "BANKREF0003",
              "purpose": "Supplier A invoice 1"
            },
            {
              "detail_number": "0002",
              "amount": "200.00",
              "direction": "DEBIT",
              "bank_transaction_code": "50101000",
              "bank_reference": "BANKREF0003",
              "counterparty_name": "Supplier B BV",
              "counterparty_iban": "NL91ABNA0417164300",
              "purpose": "Supplier B invoice 7"
            }
          ]
        }
      ]
    },
    {
      "statement_index": 1,
      "source_file": "coda-be-two-accounts.cod",
      "format": "CODA",
      "statement_reference": "044/REF0000001",
      "sequence_number": "044",
      "account_id": "539007547034",
      "account_servicer_bic": "GEBABEBB",
      "currency": "EUR",
      "creation_datetime": "2026-10-20",
      "opening_balance": "-2500.00",
      "opening_balance_date": "2026-10-15",
      "opening_balance_type": "OLD_BALANCE",
      "closing_balance": "-2500.00",
      "closing_balance_date": "2026-10-15",
      "closing_balance_type": "NO_MOVEMENT",
      "closing_available_balance": null,
      "closing_available_balance_date": null,
      "closing_available_balance_type": null,
      "total_credits": "0.00",
      "total_debits": "0.00",
      "credit_count": 0,
      "debit_count": 0,
      "pending_count": 0,
      "calculated_closing_balance": "-2500.00",
      "discrepancy_amount": "0.00",
      "audit_method": "BALANCE_EQUATION",
      "audit_verdict": "VERIFIED",
      "audit_notes": [],
      "statement_information": "Credit line; Empty file: no movements",
      "transaction_count": 0,
      "transactions": []
    }
  ]
}
CSV export output_format=csv 
source_file,statement_index,statement_reference,account_id,audit_verdict,transaction_hash,booking_date,value_date,direction,is_reversal,status,amount,signed_amount,currency,counterparty_name,counterparty_iban,counterparty_bic,counterparty_account,purpose,end_to_end_id,mandate_id,creditor_id,bank_transaction_code,bank_transaction_code_proprietary,gvc,booking_text,return_reason,bank_reference,customer_reference
coda-be-two-accounts.cod,0,012/REF0000001,BE68539007547034,VERIFIED,69b608e767c2d3218311c5d4fff8373fac75bb81154b3c26de2f910181cc7739,2026-10-20,2026-10-20,CREDIT,false,BOOKED,1250.50,1250.50,EUR,Café Liégeois SA,BE71096123456769,KREDBEBB,,'+++090/9337/55493+++,E2E-INV-1001,,,00150000,,,Domestic or local SEPA credit transfer,,BANKREF0001,E2E-INV-1001
coda-be-two-accounts.cod,0,012/REF0000001,BE68539007547034,VERIFIED,f8c5d47bf557323f69444ee4ec6001664d1f77b015bd6a803bc183e4f60ec87e,2026-10-20,2026-10-20,DEBIT,false,BOOKED,45.67,-45.67,EUR,,,,,Invoice 2026-10 electricity,E2E-DD-77,MANDATE-77,BE12ZZZ0123456789,00501050,,,Direct debit,AM04,BANKREF0001,E2E-DD-77
coda-be-two-accounts.cod,0,012/REF0000001,BE68539007547034,VERIFIED,2c95a80d86cbc5c16a366a2665d592b5e87bb4963b6760457ce64d3cb675be9c,2026-10-20,2026-10-20,DEBIT,false,BOOKED,300.00,-300.00,EUR,,,,,Supplier batch,,,,10101000,,,Domestic or local SEPA credit transfer (total by customer),,BANKREF0003,

The live demo needs JavaScript, which seems to be switched off. The sample tabs show the engine's real output without it.

What it does

  1. Balance audit on every statement

    Opening + credits − debits = closing, to the cent (or the bank's own control totals for MT942 and camt.054, and its summary totals when a BAI2 file lists only part of the detail). BAI2 and CODA trailer checksums are verified too. Each statement gets VERIFIED, DISCREPANCY with the exact difference, or UNVERIFIABLE.

  2. Missing and duplicate statements

    Statements are put in date order per account, whatever order the files arrive in. A gap in the balance chain or a statement sent twice is flagged.

  3. Real bank dialects

    German ?20 subfields, Dutch /EREF/ tags, Polish ~20 subfields, SEPA keywords, SWIFT envelopes, multi-statement files, camt batch bookings, reversals and pending entries. BAI2 continuation records and funds types, CODA globalised batches and Belgian structured communications (+++…+++, check digits validated).

  4. Counterparty extraction

    Name, IBAN, BIC, end-to-end ID, mandate ID, creditor ID, purpose, return reason, booking text and GVC, as separate fields.

  5. Whole archives in one call

    Send a ZIP of statements. A damaged or unrelated file inside it is reported as a warning; the rest is still processed.

  6. Idempotent imports

    Every transaction carries a stable SHA-256 hash, so importing the same statement again never creates duplicates in an ERP or ledger.

  7. MT940 to ISO 20022

    Export as camt.053.001.08 XML. The export is validated against the official ISO 20022 schema in the test suite, and balances are never invented.

  8. Bank statements into DATEV

    `output_format=datev` writes a DATEV EXTF Buchungsstapel: one booking per booked transaction, on the client's bank account against a clearing account, ready for the accountant to reassign. Non-EUR statements, several bank accounts in one upload or bookings from several fiscal years are refused, never guessed.

  9. Exact money, correct dates

    Amounts are decimal strings in the currency's minor units, never floats. Booking dates across year-end and late SEPA returns are resolved against the statement window.

Specification

Inputs
SWIFT MT940 and MT942; ISO 20022 camt.052, camt.053, camt.054 (versions .02 – .08+); BAI2 (US banks); CODA 2.6 (Belgian banks); or a ZIP of any of these
Outputs
JSON · CSV (Excel-ready) · hledger · Beancount · camt.053.001.08 XML · DATEV Buchungsstapel (EXTF)
Verdicts
VERIFIED · DISCREPANCY (with the exact difference) · UNVERIFIABLE
Encodings
UTF-8, Windows-1252 / Latin-1; for Hungarian, Polish, Czech and other Central European accounts Windows-1250 / ISO-8859-2 / DOS 852, picked automatically
Endpoints
POST /v1/reconcile (file upload) · POST /v1/reconcile/raw (JSON body, text or base64)
DATEV parameters
datev_consultant and datev_client (Berater- and Mandantennummer, required) · datev_bank_account (default 1200) · datev_contra_account (default 1360; SKR04: 1800 / 1460) · datev_fiscal_year_start (MMDD, default 0101)
Limits
10 MB per request
Safety
In-memory processing, protection against XXE, billion-laughs and ZIP-bomb inputs, optional PII redaction
Engine
Deterministic, no AI or LLM. The same input always gives the same output.

A request and its answer

One call with a statement file:

curl -X POST "https://<host>/v1/reconcile?output_format=json" -F "file=@statement.sta"

The response, shortened to one statement and one transaction:

{
  "detected_format": "MT940",
  "statement_count": 2,
  "transaction_count": 3,
  "overall_verdict": "VERIFIED",
  "warnings": [],
  "statements": [{
    "account_id": "NL69INGB0123456789",
    "currency": "EUR",
    "opening_balance": "12500.00",
    "closing_balance": "14810.05",
    "total_credits": "2500.00",
    "total_debits": "189.95",
    "calculated_closing_balance": "14810.05",
    "discrepancy_amount": "0.00",
    "audit_verdict": "VERIFIED",
    "transactions": [{
      "transaction_hash": "…sha256…",
      "booking_date": "2026-01-05",
      "direction": "CREDIT",
      "amount": "2500.00",
      "currency": "EUR",
      "counterparty_name": "Acme Trading B.V.",
      "counterparty_iban": "NL44RABO0123456789",
      "end_to_end_id": "INV-2026-0012",
      "purpose": "Invoice INV-2026-0012 January hosting"
    }]
  }]
}

Non-JSON outputs (CSV, hledger, Beancount, camt.053, DATEV) carry the audit result in the response headers X-Overall-Verdict, X-Statement-Count and X-Transaction-Count.

For DATEV, add the consultant and client numbers; the response is the Buchungsstapel file:

curl -X POST "https://<host>/v1/reconcile?output_format=datev&datev_consultant=1001&datev_client=1" -F "file=@statement.sta"

How it was tested

  • 196 automated tests, realistic bank sample files and fuzz tests.
  • The BAI2 parser reproduces every control total of the sample in the BAI2 specification’s Appendix D.
  • On public BAI2 and CODA sample files of two independent open-source parsers, account numbers, balances, amounts, references and texts match exactly.
  • Run against about 65 public sample files from real European banks, including camt.052/053/054 versions 1 to 8. Every complete file is read.
  • Amounts match an independent open-source MT940 parser on 34 of 34 comparable files. The one difference is that library’s sign error on reversals, confirmed by the bank’s own balances.
  • Every camt.053 export is valid against the official ISO 20022 schema.
  • The container build runs the full test suite and fails if a single test fails.

Known limits

What it does not do yet, so you can decide before you integrate.

  • Not supported yet: OFX/QFX, BAI versions other than 2, CODA versions other than 2, and pain.001 (a payment order, not a statement). These get a clear UNSUPPORTED_FORMAT message.
  • In BAI2, banks may send detail for only some items. When the account record carries the bank’s totals (type codes 100 / 400), the balances are checked against them and the gap is reported as a DETAIL_INCOMPLETE warning.
  • CODA separate applications (zeroed balances) are UNVERIFIABLE. Booking texts name the transaction family, not every transaction code.
  • Very old DOS-encoded (cp850) German files may still show wrong umlauts.
  • Free text such as “AUFTRAGGEBER: name street zip city” keeps the name inside the purpose field, because name and address cannot be separated reliably.
  • A camt.053 export needs a balance, so MT942 and camt.054 files (which have none) cannot be converted to it.
  • The DATEV export takes EUR statements of one bank account and one fiscal year per upload; anything else gets EXPORT_NOT_POSSIBLE. Per-counterparty contra-account rules and tax keys (BU-Schlüssel) are not included.

Privacy

Statements are processed in memory and never written to disk. With redaction switched on, IBANs, counterparty names and emails are masked in the response.

Read the full privacy notice →

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