Free tools / Bank Statement Reconciler
Check bank statements for missing transactions
Before closing the month, make sure the statement adds up and nothing is missing. Drop an MT940 or camt file below to see the audit for every statement.
- Free, no sign-up
- Your file is never stored
- Deterministic: no AI guesswork
Try it now
The second sample tab shows a series where one daily statement is missing: each statement adds up on its own, and the gap between them is reported.
The live demo needs JavaScript, which seems to be switched off. The sample tabs show the engine's real output without it.
Free: 5 runs a day, no sign-up. Files that cannot be read do not count.
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
| Date | Amount | Counterparty | Reference | Purpose |
|---|---|---|---|---|
| 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:C260108EUR14060,05Audit 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
| Date | Amount | Counterparty | Reference | Purpose |
|---|---|---|---|---|
| 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
| Date | Amount | Counterparty | Reference | Purpose |
|---|---|---|---|---|
| 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
| Date | Amount | Counterparty | Reference | Purpose |
|---|---|---|---|---|
| 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 2Audit 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
| Date | Amount | Counterparty | Reference | Purpose |
|---|---|---|---|---|
| 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,
How it works
- Drop one statement file, or a ZIP with a month or a year of them, into the box above.
- Each statement gets a verdict: VERIFIED, DISCREPANCY with the exact difference, or UNVERIFIABLE when the file has no balances.
- Statements of the same account are put in date order, so a gap or a duplicate shows up whatever order the files are in.
What is checked
| Verdict | Meaning |
|---|---|
VERIFIED |
Balances, or the bank’s control totals, match the transactions to the cent. |
DISCREPANCY |
They do not match (the difference is shown), or a statement is missing between two others. |
UNVERIFIABLE |
The file has nothing to check against, or a file inside a ZIP could not be read. |
A damaged or unrelated file inside a ZIP (a PDF, a readme) is reported as a warning; the other statements are still checked. Amounts are exact decimals in the currency’s minor units, never rounded floating-point numbers.
Questions
What does VERIFIED mean exactly?
That opening balance + all credits − all debits equals the closing balance the bank reported in the same statement, to the cent. For MT942 and camt.054, which have no balances, the bank’s own control totals are used.
How is a missing statement found?
Statements of one account are sorted by date. If one closes at a balance that is different from the next one’s opening balance, a statement in between is missing, and the result is DISCREPANCY with a warning that names both statements.
What about a statement that was sent twice?
It is reported as a duplicate. Its transactions keep the same transaction IDs, so an import does not count them twice.
Is this AI?
No. The audit is plain arithmetic on the amounts in the file, so the same file always gives the same answer, and every number can be traced back to a line in the statement.
Is my file stored?
No. It is read in memory and discarded right after the result is sent back. In the demo, names and IBANs are masked by default.
Need it in your own software?
The same engine is available as an API: whole files instead of a preview, every export format, automation.
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