Free tools / Bank Statement Reconciler
Convert Belgian CODA statements to CSV
Drop a CODA file below and see every movement in clean columns, with the old and new balance and the file's trailer totals checked to the cent. The API turns the same result into an Excel-ready CSV.
- Free, no sign-up
- Your file is never stored
- Deterministic: no AI guesswork
Try it now
Your file is read in memory and discarded right after; names and IBANs are masked unless you switch that off. The fifth sample tab is a CODA file with two accounts, a direct debit and a globalised supplier batch.
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
- Download the statement from your bank’s business portal as CODA (coded statement of account). The file usually ends in
.cod. - Drop it into the box above. The live demo shows the audit for every account and the first 25 movements.
- For the CSV itself, every transaction and whole archives, the API returns
output_format=csv, or JSON, hledger, Beancount and camt.053.
How CODA files are read
The CSV has one row per movement, with the same 29 columns as for every other format. For CODA these are filled:
| Column | Example |
|---|---|
account_id, currency |
BE68539007547034, EUR |
booking_date, value_date |
2026-10-20 |
signed_amount |
1250.50 or -45.67 |
counterparty_name, counterparty_iban, counterparty_bic |
Café Liégeois SA, BE71096123456769, KREDBEBB |
purpose |
the free communication, or the structured +++…+++ one |
end_to_end_id, mandate_id, creditor_id, return_reason |
SEPA references and the return reason of a direct debit, when the bank sends them |
bank_transaction_code, booking_text |
00501050, Direct debit |
transaction_hash |
a stable ID, so importing the same file twice does not create duplicates |
Accented names are decoded from UTF-8 or Windows-1252 / Latin-1. The booking text names the transaction family
from the CODA code list, not every individual transaction code. Separate applications, which carry zeroed balances,
are marked UNVERIFIABLE; a file without movements is read as a day without movements.
The converter is independent and not affiliated with any bank or with Febelfin.
Questions
What is a CODA file?
CODA is the Belgian standard for electronic bank statements, published by Febelfin and imported by Belgian accounting software. A file is a series of 128-character records: 0 header, 1 old balance, 2 movements, 3 information, 4 free messages, 8 new balance and 9 trailer. The converter reads version 2.6, with or without line breaks between the records.
Why not open the CODA file in Excel directly?
Every value sits at a fixed position inside the 128 characters, and one movement is spread over several records: the amount, transaction code and communication in the first, further references in the next, the counterparty’s IBAN and name in a third. The converter puts them together into one row per movement.
What happens to structured communications?
Belgian structured communications are shown as +++090/9337/55493+++, and their mod-97 check digits are validated; a wrong one is reported as a warning. In the CSV such cells start with an apostrophe, because Excel would otherwise read the leading + as a formula.
How are globalised payments handled?
When the bank books several payments as one total, the total is the transaction on the statement, so it is counted once. The individual payments behind it, with their own names, IBANs and communications, are kept in batch_details in the JSON.
Does it check that nothing is missing?
Yes. Every account is checked with old balance + credits − debits = new balance, to the cent, and the record count and totals in the trailer record must match the file. Consecutive statements must also connect, so a missing one is reported.
Is my statement stored?
No. The demo service reads the file in memory, sends the result back to your browser and discards the file. Nothing is written to disk. In the demo, names, IBANs and e-mail addresses 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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