Format description BACS. Rabo Cash Management

Transcription

1 Format description BACS Rabo Cash Management

2 COLOPHON Title Format description BACS Version, date 1.0, October 2013 On behalf of Contact address FL-Services Rabobank Nederland, Croeselaan 18, Postbus HG Rabobank, No part of this publication may be reproduced in any form by print, photo print, microfilm or any other means without written permission by Rabobank.

3 Content 1 General information 3 2 File structure 3 3 Character set 3 4 Content description File header Standard record Contra record End record 7 2

4 1 General information For initiate payments between accounts in the United Kingdom there are three type of processing systems being used: BACS: payments initiated via BACS have a processing time of three working days. The payment is entered into the system on day one. On day two the payment is processed. On day three the payment is made. CHAPS: Urgent payments and payments in EUR will be processed via CHAPS. FPS: payments via Faster Payment Service (FPS) will be processed on the same day. The maximum amount of these payments are GBP. Currently it is not possible to process debit orders via BACS. Once this functionality is available you will be informed through the regular channels. This document describes the specifications of the BACS file that is transmitted to the Rabobank Cash Management application by the customers for Direct Credits. Depending on the order type the payments will be processed via FPS or CHAPS. Please note: the format description which is used by RCM deviates from the normal format description of BACS which uses different data (processing and entry date). The format which is used in RCM is using one date (execution date). 2 File structure The file structure for a BACS order file containing credit transactions should follow the following format: A file header identified by the User Header Label (UHL) One or more transaction records Multiple CONTRA records A file footer identified by the User Trailer Label (UTL) 3 Character set Rabobank accepts the following characters in the BACS import file: A-Z (only capitals) - (dash) 0-9 space. (dot) / (slash) & (ampersand) 3

5 4 Content description File header No. Length Position Contents Explanation Label identifier Must be UHL Label number Must be BACS processing day Must be the format zyyddd. z = blank YY = year (e.g. 13 for 2013) DDD = day in the year (e.g. 032 for the 1st of February) Filler Must be Filler Must be blank space filled Currency code Must be Country code Must be Work code Must be 1zDAILYzz. z = blank space Filler Must be blank space filled Example: UHL1z zzzz zDAILYzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzz In this example the letter z stands for a space Standard record No. Length Position Contents Explanation Destination Sort Code Beneficiary sort code. This must be six numbers and must be a valid UK sort code registered for FPS Destination account number Beneficiary account number. This must be eight numbers and must be a valid UK account numer. Must be filled with Destination type of account Transaction Code 99-Credit Transfer Originating sorting code This must be six numbers and must be the originators sorting code. This must be

6 No. Length Position Contents Explanation Originating account number This must be eight numbers and must be a valid account number linked to the originator Must be filled with Amount (in pence) The content must end at the right and any unused position at the beginning must be zero filled Users Name The content must begin at the left and any unused position at the end must be a blank space. Should be the originating account name abbreviated Users reference Reference to identify the payment Destination account name Beneficiary name. Please note: only use capitals BACS processing date Must be in format zjjddd z = blank space YY = year (e.g. 13 for 2013) DDD = day in the year (e.g. 032 for the 1st of February) Must be equal to the date in the file header. Example: REKENINGNAAMONTVANREFERENTIE1234 zzzznaamontvangerzzzzzz13255 In this example the letter z stands for a space Contra record There is one contra record for each remitter account. No. Length Position Contents Explanation Originating sort code Must be filled with Originating account number This must be eight numbers and must be a valid UK account number Type of users account Must be Transaction code 17 Faster Payments 5

7 No. Length Position Contents Explanation Originating sorting code Must be filled with Originating account number This must be eight numbers and must be a valid account number linked to the originator Filler Must be filled with Amount (in pence) The content must end at the right and any unused position at the beginning must be zero filled Originators name The content must begin at the left and any unused character position at the end must be blank space filled Contra identifications Must be CONTRA followed by 12 blank spaces Filler Must be blank space filled BACS processing date Must be in format zjjddd z = blank space YY = year (e.g. 13 for 2013) DDD = day in the year (e.g. 032 for the 1st of February) Must be equal to the date in the file header. Example: NAAMOPDRACHTGEVERzCONTRAzzzzzzzz zzzzzzzzzzzzzzzzzzzzzzz13255 In this example the letter z stands for a space. 6

8 4.1.4 End record No. Length Position Contents Explanation Label identifier Must be UTL Label number Must be Monetary total of debit records Monetary total of credit records Must contain the monetary total of the amounts in debit records (in pence). The content must end at the right and any unused position at the beginning must be zero filled. Must contain the monetary total of the amounts in credit records (in pence). The content must end at the right and any unused position at the beginning must be zero filled Count of debit records Must contain the count of the number of debit records. The content must end at the right and any unused position at the beginning must be zero filled Count of credit records Must contain the count of the number of credit records. The content must end at the right and any unused position at the beginning must be zero filled Filler Must be blank space filled Filler Must be blank space filled. Example: UTL zzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzz In this example the letter z stands for a space. 7