BAI EXPORT GUIDE - Lloyds Bank...BAI Export File Structure The formatting and content of each record...

BAI EXPORT GUIDEDownloading Data Exports in Commercial Banking Online

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Overview

The BAI (Bank Administration Institute) Data Export File in Commercial Banking Online follows the standard template for BAI Bank Statements. It replaces the BAI Download available from LloydsLink Online and is available for today’s transactions, yesterday’s transactions or for transactions across your chosen date range.This guide outlines the key changes from LloydsLink Online and file specifications for the new Commercial Banking Online Export File.

Important Information

Please use this information as the specification document to make changes required to your local processes, to avoid any problems in reconciliation after your move to Commercial Banking Online.

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How to download the BAI Export

The BAI Export is available from the Download Data Export screen in Commercial Banking Online.

Select the Export Type BAI and set the required date and account parameters for your export.

Further guidance is available from the Commercial Banking Online Support Centre

Using the BAI Export

We recommend you use the BAI Export if you need to use transaction and balance data to complete reconciliations and other finance processes and currently use a LloydsLink Online BAI Download file to do this.

If you need to view advices, create reports to view within Commercial Banking Online or export reports in a similar format to a traditional bank statement you should use the Reports section in Commercial Banking Online.

Guidance on the available Reports is available on the Commercial Banking Online Support Centre

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http://resources.lloydsbank.com/cbonlinesupport/payments/importing/i-want-to-export-my-csv-information/

http://resources.lloydsbank.com/cbonlinesupport/reports/payment-reports/what-are-the-available-payment-reports/

BAI Export File Structure

The formatting and content of each record in the BAI Export File will be different in Commercial Banking Online. The records included and numeric codes identifying these records will remain the same as in LloydsLink Online.

BAI Record Structure:The BAI file is made of a series of records. Each entry within a record is separated by a comma (‘,’) and the end of each record is indicated by a forward slash (‘/’).

Important Information

There are two formats for the BAI Export in LloydsLink Online. These are:• BAI Format and

• BAI Format (multi-line).

In Commercial Banking Online there is only one format (multi-line). This means a new line is started in the file after every forward slash.

The table below shows the numeric code and definition for each record. Mandatory records will be included for every statement section. Optional records will appear based on the transactions included on the statement.

Record Code Record Name Mandatory (M) / Optional (O)

01 File header M

02 Group header M

03 Account identifier and summary status M

16 Account transaction detail O (mandatory for all transactions)

88 Continuation of account transaction detail O (mandatory for all transactions)

49 Account trailer M

98 Group trailer M

99 File trailer M

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The image shows a sample of the BAI Export from Commercial Banking Online.

01,00000000,000000000,180306, 1333,512608,,,2/

Day 1 02,,,1,181222,1333,USD,2/

Section for Account 1 with all transactions for Day 1

03,334455-11662277,GBP,015,360,,Z,045,360,,Z,972,360,,Z,974,360,,Z/16,169,121,Z,BENEFICIARY REFERE,TESTACCT,F/FLOW TESTACCT 88,BENEFICIARY REFERE 88,NCE LINE 1 35CHAXB 49,1977,5/

Section for Account 2 with all transactions for Day 1

03,334455-11882299,GBP,015,77,,Z,045,77,,Z,972,77,,Z,974,77,,Z/ 16,241,32,Z,,FROM A C,FROM A/C 88,12341260 321321 49,170,4/

98,2847,2,11/

Day 2 Section for Account 2 and all transactions it has on Day 2 (in this case no transaction booked to the account)

02,,,1,181222,1333,USD,2/

03,334455-11882299,GBP,015,77,,Z,045,77,,Z,972,77,,Z,974,77,,Z/ 49,11465,2/

98.12367.1.4/

99,77002,2,17/

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LloydsLink OnlineExample:

Commercial Banking OnlineExample:

01,000000000,000000000,180306,1652,1,,,2/ 01,00000000,000000000,180306,1333,512608,,,2/

Sub Record Content Max

Char Format Sub Record Content Max

Char Format

1 01 record code – indicates start of file 2 ‘01’ 1 01 record code –

indicates start of file 2 ‘01’

2 Sender ID: always zero filled 9 Always '000000000' 2 Sender ID: always zero

filled 9 Always '000000000'

3 Receiver ID: always zero filled 9 Always '000000000' 3 Receiver ID: always zero

filled 9 Always '000000000'

4 Date of export 8 YYMMDD 4 Date of export 8 YYMMDD

5 Time of export 4 HHMM (24 –hr clock) 5 Time of export 4 HHMM (24 –hr clock)

6 File Identification Number 1 Always ‘1’ 6 File Identification

Number 13 NNNNNNNNNNNNN

7 Physical record length 0 - 7 Physical record length 0 -

8 Block size 0 - 8 Block size 0 -

9 Version number 1 Always ‘2’ 9 Version number 1 Always ‘2’

Record 01: File Header

In Commercial Banking Online sub-record 7 is populated with a unique numeric code for each Export File.

BAI Record Content Changes

See how the content in each of BAI Records differs from LloydsLink Online in the tables below.

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02,,305100074,1,180227,0000,GBP,,/ 02,,00000001,1,171115,0916,GBP,2/



Char Format

102 record code – indicates start of each Bank’s report

2 ‘02’ 102 record code – indicates start of each Bank’s report

2 ‘02’

2 Blank 0 Blank 2 Blank 0 Blank

3 Individual Bank’s identification number 9 NNNNNNNNN 3 Individual Bank’s

identification number 9

NNNNNNNNN (000000001 = Lloyds Bank or 000000002 = Bank of Scotland)

4 Always 1 1 ‘1’ 4 Always 1 1 ‘1’

5 Date relating to individual Bank’s data 6 YYMMDD 5 Date relating to

individual Bank’s data 6 YYMMDD

6 Time (optional) 4 0000 6 Time (optional) 4 HHMM (24 –hr clock)

7 SWIFT currency code (Default GBP) 3 CCC 7 SWIFT currency code

(Default GBP) 3 CCC

8 Blank 0 Blank 8 Always 2 1 ‘2’

9 Blank 0 Blank

Record 02: Group Header

The final two sub-records in LloydsLink Online are both left blank. On Commercial Banking Online the final sub-record will always be populated with ‘2’.

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Record 03: Account Identifier & Summary StatusThe format of sub-record 2, the account sort code & number, changes from SSSSSSAAAAAAAA on LloydsLink Online to SSSSSS-AAAAAAAA on Commercial Banking Online (i.e. a separating hyphen is included)



03,1234512345678,GBP,015,4576,,Z,045,4576,,Z,072,0,,Z,900,0,,Z,075,0,,Z,100,103,1,Z,400,0,0,Z/

03, 1234512345678,GBP,015,56,,Z,045,56,,Z,972,56,,Z,974,56,0,,Z,990,0,,Z/



Char Format

103 record code – indicates account information record

2 ‘03’ 103 record code – indicates account information record

2 ‘03’

2 Sort code & account number 15 SSSSSS-AAAAAAAA 2 Sort code & account

number 15 SSSSSS-AAAAAAAA

3 ISO currency code 3 CCC 3 ISO currency code 3 CCC

4 BAI Balance code (see table below) 3 See table below 4 BAI Balance code

(see table below) 3 See table below

5* Amount signed in pence Vari- able NNNNNNNNNN 5* Amount signed in

penceVari- able NNNNNNNNNN

6* Blank 0 Blank 6* Blank 0 Blank

7* Funds Type 1 ‘Z’ 7* Funds Type 1 ‘Z’

* Sub-records will be repeated for each new balance type.

BAI Balance Codes

BAI Balance Code

Balance Type

015 Closing Ledger Balance

045 Closing Cleared Balance

972 Projected Cleared Balance Day + 1

974 Projected Cleared Balance Day + 2

990 Total Uncleared Funds

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Record 16 & Record 88: Account Transaction DetailDetail of these changes for these records can be found in the Transaction Narrative section.

Record 49: Account TrailerThe content for this record remains the same as on LloydsLink Online.

Record 98: Group Trailer

The content for this record remains the same as on LloydsLink Online.



49,9358,3/ 49,224,3/



Char Format

1

49 record code – indicates end of account information as opened by record 03

2 ‘49’ 1

49 record code – indicates end of account information as opened by record 03

2 ‘49’

2

Total value of all balance and transaction amounts provided for the account

Vari- able NNNNNN 2

Total value of all balance and transaction amounts provided for the account

Vari- able NNNNNN

3Total number of 03, 16, 88 and 49 records for the account

Vari- able NNNNNN 3

Total number of 03, 16, 88 and 49 records for the account

Vari- able NNNNNN



98,13726,6,14/ 98,0,2,6/

Content Max Char Format Sub

Record Content Max Char Format

1

98 record code – indicates end of record group (as started by 02 record)

2 98 1

98 record code – indicates end of record group (as started by 02 record)

2 98

2

Total value of all balance and transaction amounts provided for the group

Vari-able NNNNNNN 2

Total value of all balance and transaction amounts provided for the group

Vari-able NNNNNNN

3

Total number of accounts in the group (as started with the 03 record)

Vari-able NNNNNNN 3

Total number of accounts in the group (as started with the 03 record)

Vari-able NNNNNNN

4 Total number of records in the group

Vari-able NNNNNN 4 Total number of records

in the group Vari-able NNNNNN

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Record 99: File Trailer

The content for this record remains the same as on LloydsLink Online.



99,163272,15,217/ 99,10055,3,46/



Char Format

199 record code – indicates end of export file

2 98 199 record code – indicates end of export file

2 98

2

Total value of all balance and transaction amounts provided in the file

Vari-able NNNNNNN 2

Total value of all balance and transaction amounts provided in the file

Vari-able NNNNNNN

3 Total number of groups in the file

Vari-able NNNNNNN 3 Total number of groups

in the fileVari-able NNNNNNN

4 Total number of records in the file

Vari-able NNNNNN 4 Total number of records

in the fileVari-able NNNNNN

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Transaction Type Code Changes

A BAI Transaction Code is included within the 16 record for each transaction in Commercial Banking Online. For some transactions this code has changed from LloydsLink Online, shown in the table below.

Transaction Type

LloydsLink Online BAI transaction code

Commercial Banking Online BAI transaction code

Faster Payment – Dr 699 548

Faster Payment – Cr 399 229

CHAPS – Dr 962 962

CHAPS – Cr 922 169

Bacs Single/Multiple – Dr 466 466

Bacs Single/Multiple – Cr 174 174

Inter-Account Transfer – Dr 699 566

Inter-Account Transfer – Cr 399 241

Euro & International Moneymover – Dr 699 699

Euro & International Moneymover – Cr 922 169

Cheque – Dr 475 475

Cheque – Cr 399 514

Card Transaction – Dr 699 468

Bank Giro Credit – Cr 174 201

ATM Withdrawal – Dr 699 445

Counter Withdrawal – Dr 699 508

ATM/Counter Deposit – Cr 399 201

Standing Order (Paid) – Dr 527 527

Standing Order (Received) – Cr 227 227

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Payment Category Payment Type Debit or Credit Page Number

Domestic Payments

Faster Payment Dr 13

Faster Payment Cr 15

CHAPS Dr 17

CHAPS Cr 19

BACS Single Dr 21

BACS Multiple Dr 23

BACS Cr 25

Inter-Account Transfer Dr 27

Inter-Account Transfer Cr 29

International PaymentsEuro & International MoneyMover Dr 31

Euro & International MoneyMover Cr 33

Non-channel Transactions

Cheque Dr 35

Cheque Cr 37

Card Transaction Dr 38

Bank Giro Credit Cr 40

ATM Withdrawal Dr 42

Counter Withdrawal Dr 44

ATM/Counter Deposit Cr 46

Standing Order Paid Dr 48

Standing Order Received Cr 50

Transaction Detail Changes

The following pages include descriptions for the 16 and 88 records Commercial Banking Online BAI Export.

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Payment Type Faster Payments

Debit or Credit to the Account Dr

Record code 16

Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Faster Payment debits these records change on Commercial Banking in the following ways:

Sub-records provided

The order of the sub-records in has changed.Commercial Banking Online does not include the 3 character Transaction Code ‘FPO’. Commercial Banking Online includes the payment reference; which is only available in the 88 record on LloydsLink Online.

Transaction CodeLloydsLink Online: BAI Transaction Code is ‘699’ Commercial Banking Online: BAI Transaction Code is ‘548’ The transaction code 'FPO' is not available on Commercial Banking Online.

Record Specification:



16,699,15,Z,,,BENEFICIARY NAME FPO 200000000336700000/ 16,548,21,Z,200000000336491357,FASTERPAUMENTSCBOX, BENENAME

Sub Record Content Max Char [inc.

trailing spaces] Format Sub Record Content Max Char [inc.

trailing spaces] Format

1 BAI Transaction Code 3 ‘699’ 1 BAI Transaction

Code 3 ‘548’

2Amount signed in pence (e.g. 21 = £0.21)

Variable NNNNNN 2Amount signed in pence (e.g. 21 = £0.21)

Variable NNNNNN

3 Funds type 1 ‘Z’ or ‘V’ 3 Funds type 1 ‘Z’ or ‘V’

4 Blank 0 Blank 4 Unique faster payment ID 18 NNNNNNNNNN

NNNNNNNN

5 Blank 0 Blank 5 Payment reference 18 Free text –

variable length

6 Beneficiary name 22 Free text – variable length 6 Beneficiary name 18 Free text –

variable length

7 Transaction Code 3 [13] ‘FPO’

8 Unique faster payment ID 18 NNNNNNNNNN

NNNNNNNN

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Record code 88

Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions – each sub-record within the master 88 record is separated by a comma (‘,’). For Faster Payment debits these records change on Commercial Banking in the following ways:

Record structureLloydsLink Online contains 2 separate lines for the 88 record.Commercial Banking Online contains 7 separate lines for the 88 record.

Sub-records provided Commercial Banking Online includes additional sub-records for Unique Faster Payment ID, Transaction ID, Transaction ID Date and Advice Reference.


Example: Example:

88,FPS PAYMENT REF X 123456 10/88,21FEB18 10:24/

88,20000000033649135788,FASTERPAYMENTSCBOX88,123456 10 88,20FEB18 10:3488,TRNID=00000000016-1188,TRNIDDATE=2018022088,ADVREF=2000000003364913571018051GBP301775D

Line Sub Record Content

Max Char [inc. trailing spaces]

Format Line Sub Record Content


Format

1

1 Payment reference 18 [35] Free text –

variable length 1 1 Unique faster payment ID 18 Free text –

variable length

2 Debit sort code 6 [11] SSSSSS 2 2 Payment

reference 18 Numeric – fixed length

3 IFP Transaction code 2 10

33 Debit sort code 6 SSSSSS

2 4 Transaction datetime 13 DDMMMYY

HH:MM 4 IFP Transaction code 2 Numeric –

fixed length

4 5 Transaction datetime 13 DDMMMYY HH:MM

5 6 Transaction ID 20TRNID= NNNNNNNNNNN -NN

6 7 TRNIDDATE + Value date 17 TRNIDDATE

=YYYYMMDD

7 8 Advice Reference 35

Unique faster payment ID + transaction ID + 3 letters ISO currency code + Debit indicator

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Payment Type Faster Payments

Debit or Credit to the Account Cr

Record code 16

Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Faster Payment credits these records change on Commercial Banking in the following ways:

Sub-records providedThe order of the sub-records in has changed.Commercial Banking Online includes the Unique Faster Payment ID.It does not include the 3 character Transaction Code ‘FPI’ or the payment reference.

Transaction CodeLloydsLink Online: BAI Transaction Code is ‘399’.Commercial Banking Online: BAI Transaction Code is ‘229’. It does not include the 3 character Transaction Code ‘FPI’ or the payment reference.




16,399,21,Z,,,DEBITACCOUNTNAMEGR FPI FASTERPAUMENTSCBOX/

16,229,15,Z,200000000336700000,DEBITACNAMETRIALGR,DEBITACNAMETRIALGR





Code 3 ‘229’



Variable NNNNNN


4 Blank 0 Blank 4 Unique faster payment ID 18 NNNNN

5 Blank 0 Blank 5 Debit account name 18 Free text –

variable length

6 Debit account name 18 Free text –

variable length 6 Debit account name 18 Free text –

variable length

7 Transaction Code 3 [13] ‘FPI’

8 Payment reference 18 Free text –

variable length

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Record code 88

Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions – each sub-record within the master 88 record is separated by a comma (‘,’). For Faster Payment credits these records change on Commercial Banking in the following ways:

Record structureCommercial Banking Online contains 7 separate lines for the 88 record. There were 2 lines on LloydsLink Online.

Sub-records provided Commercial Banking Online includes additional sub-records for Unique Faster Payment ID, Transaction ID, Transaction ID Date and Advice Reference.


Example: Example:

88,200000000336491357 123456 10/88,20FEB18 10:34/

88,FPS PAYMENT REF X 88,20000000033670000088,123456 10 88,21FEB18 10:24 88,TRNID=00000000017-1288,TRNIDDATE=2018022188,ADVREF=2000000003367000001018052GBP301763C





Format

1

1 Unique faster payment ID 18 [35] NNNNN 1 1 Payment

reference 18 Numeric – variable length

2 Debit sort code 6 [11] SSSSSS 2 2 Unique faster

payment ID 18 Free text – variable length

3 IFP Transaction code 2 NN

3

3 Debit sort code 6 [11] SSSSSS

24 Value date 7 [8] DDMMMYY 4 IFP Transaction

code 2 Numeric – fixed length

5 Timestamp 5 NN:NN 4 5 Transaction datetime 13 DDMMMYY HH:MM

5 6 Transaction ID 20 TRNID=NNN NNNNNNNN-NN

6 7 TRNIDDATE + Value date 17 TRNIDDATE=

YYYYMMDD


Unique faster payment ID + transaction ID + 3 letters ISO currency code + Credit indicator

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Payment Type CHAPS Payment


Record code 16

Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For CHAPS debits these records change on Commercial Banking in the following ways:

Sub-records providedThe order of the sub-records has changed.Commercial Banking Online does not include the payment reference, which is now found in the 88 record. It does include the auto-generated ID for the payment.




16,962,134,V,180413,0000,,,BENE ACC OWNER LOL F\FLOW SAMPLE REF/ 16,962,121,Z,1004791305,BENENAME CB,BENENAME CB F/FLOW




1 BAI Transaction Code 3 ‘962’ 1 “962” (BAI record

type code) 3 ‘962’



Variable NNNNNN

3 Funds type 1 ‘Z’ or ‘V’ 3 Funds type 1 ‘Z’

4 ‘0000’ 4 ‘0000’ 4

Payment ReferenceOr Auto-generated reference

10 NNNNNNNNNN

5 Blank 0 Blank 5 Beneficiary Name 11 Free text –

variable length

6 Blank 0 Blank 6 Beneficiary Name & F/FLOW 18 Free text –

variable length

7 Beneficiary name 18 [19] Free text – variable length

8 ‘F\FLOW’ 6 [10] ‘F\FLOW’


variable length

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Record code 88

Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions – each sub-record within the master 88 record is separated by a comma (‘,’). For CHAPS debits these records change on Commercial Banking in the following ways:

Record structure Commercial Banking Online contains 5 separate lines for the 88 record. This record doesn’t exist on LloydsLink Online.

Sub-records provided Commercial Banking Online includes sub-records for the auto-generated payment ID, Transaction ID, Transaction ID Date and Advice Reference.


Example: Example:

No 88 record is provided for CHAPS on LloydsLink Online

88,CHAPS PAYMENT REFE88,RENCE 88,TRNID=00000000018-388,TRNIDDATE=2018022288,ADVREF=123456123456781805300116DEBITACNAME





Format

1 & 2 (only

1 if fewer than

18 chars)

1

Payment referenceOr Auto-generated reference

36 Free text – variable length


4 3TRNIDDATE + Value date (YYYYMMDD)

18 TRNIDDATE =YYYYMMDD


ADVREF= Free text – variable length

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Payment Type CHAPS Payment


Record code 16

Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For CHAPS credits these records change on Commercial Banking in the following ways:

Sub-records providedThe order of the sub-records in Commercial Banking Online has changed.Commercial Banking Online does not include the 3 character Transaction Code ‘TFR’.

Transaction CodeLloydsLink Online: BAI Transaction Code is ‘922’.Commercial Banking Online: BAI Transaction Code is ‘169’.The transaction code ‘TFR’ is not shown in Commercial Banking Online.




16,922,127,Z,,,F\FLOW SOCTESTPILO TFR PAYMENT REF CHAPSX/

16,169,116,Z,CHAPS PAYMENT MADE,DEBITACNAME,F/FLOW DEBITACNAME





Code 3 ‘169’



Variable NNNNNN



variable length


variable length

6 'F\FLOW' 6 [7] ‘F\FLOW’ 6 'F\FLOW' 6 ‘F\FLOW’

7 Debit account name 11 [15] Free text –


variable length

8 Transaction Code 3 [13] ‘TFR’


variable length

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Record code 88

Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions – each sub-record within the master 88 record is separated by a comma (‘,’). For CHAPS credits these records change on Commercial Banking in the following ways:

Record structureCommercial Banking Online contains 5 separate lines for the 88 record.This was a single line on Lloyds Link Online.

Sub-records provided Commercial Banking Online includes additional sub-records for Faster Payment ID, Transaction ID, Transaction ID Date and Advice Reference.


Example:

88,SAMPLE CHAPS PAYME/



Format

1 1 Payment reference 18 Free text –

variable length

Example:

88,CHAPS PAYMENT REFE88,RENCE88,TRNID=00000000018-388,TRNIDDATE=2018022288,ADVREF=301775123456781805300116DEBITACNAME



Format


variable length

2 2

Payment reference (continues from previous line)


3 3 Transaction ID 20 TRNID=NNNNN NNNNNN-NN


YYYYMMDD


ADVREF= debit sort code + debit account + debit account name

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Payment Type BACS Single


Record code 16

Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For BACS Single debits these records change on Commercial Banking in the following ways:

Sub-records providedThe order of the sub-records in Commercial Banking Online has changed.Commercial Banking Online does not include the 2 character Transaction Code ‘DD’.




16,466,17,Z,,,BENEFICIARY NAME DD BACS1 PAYMENTREF/ 16,466,29,Z,,PAYMENT REF BACS X,BENE ACCOUNT NAMEX





Code 3 ‘466’



Variable NNNNNN




variable length

6 Beneficiary name 18 [23] Free text – variable length 6 Beneficiary name 18 Free text –

variable length

7 Transaction type code 2 [12] ‘DD’


variable length

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Record code 88

Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions – each sub-record within the master 88 record is separated by a comma (‘,’). For BACS Single debits these records change on Commercial Banking in the following ways:

Record structure Commercial Banking Online contains 3 separate lines for the 88 record. This record didn’t exist in LloydsLink Online.

Sub-records provided Commercial Banking Online includes sub-records for Payment Reference, Transaction ID and Transaction ID Date.


Example: Example:

No 88 record is provided for BACS on LloydsLink Online88,PAYMENT REF BACS X88,TRNID=00000000017-1488,TRNIDDATE=20180222





Format

1 1 Payment Reference 18 Free text –

variable length



=YYYYMMDD

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Payment Type BACS Multiple


Record code 16

Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For BACS Multiple debits these records change on Commercial Banking in the following ways:

Sub-records providedThe order of the sub-records in Commercial Banking Online has changed.Commercial Banking Online does not include the 2 character Transaction Code 'DD'. Commercial Banking Online includes the payment reference.




16,466,60,Z,,,PAYMENTS BAT 00022 DD BACS2 PAYMENT REFX/ 16,466,30,Z,,REMITTER REFERENCE,PAYMENTS BAT 00040





Code 3 ‘466’



Variable NNNNNN



5 Blank 0 Blank 5 Debit account reference 18 Free text –

variable length

6 Payment batch reference 18 [23] Free text –

variable length 6 Payment batch reference 18 Free text –

variable length


variable length

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Record code 88

Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions – each sub-record within the master 88 record is separated by a comma (‘,’). For BACS Mutliple debits these records change on Commercial Banking in the following ways:

Record structure Commercial Banking Online contains 3 separate lines for the 88 record. This record didn’t exist in LloydsLink Online.

Sub-records provided Commercial Banking Online includes sub-records for Debit Account Reference, Transaction ID and Transaction ID Date.


Example:

No 88 record is provided for BACS on LloydsLink Online



Format

Example:

88,REMITTER REFERENCE88,TRNID=00000000017-1688,TRNIDDATE=20180222



Format

1 1 Debit account reference 18 Free text –

variable length

2 2 Transaction ID 20TRNID=NNN NNNN NNNN-NN


YYYYMMDD

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Payment Type BACS


Record code 16

Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For BACS credits these records change on Commercial Banking in the following ways:

Sub-records providedThe order of the sub-records in Commercial Banking Online has changed.Commercial Banking Online does not include the 3 character Transaction Code ‘BGC’.




16,174,25,Z,,,DEBITACCOUNTNAMEGR BGC CBO BENE REF BACS2/ 16,174,41,Z,,PAY REF BACS M 1,DEBITACNAMETRIALGR





Code 3 ‘174’



Variable NNNNNN




variable length



variable length

7 Transaction type code 2 [13] ‘BGC’

8 Payment reference

Free text – variable length

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Record code 88

Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions – each sub-record within the master 88 record is separated by a comma (‘,’). For BACS credits these records change on Commercial Banking in the following ways:

Record structure Commercial Banking Online contains 3 separate lines for the 88 record. This record doesn’t exist in LloydsLink Online.

Sub-records provided Commercial Banking Online includes sub-records for Payment Reference, Transaction ID and Transaction ID Date.


Example:

No 88 record is provided for BACS on LloydsLink Online



Format

Example:

88,PAY REF BACS M 1 88,TRNID=00000000021-2188,TRNIDDATE=20180315



Format


variable length

2 2 Transaction ID 20 TRNID=NNNN NNNNNNN-NN


YYYYMMDD

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Payment Type Inter-Account Transfer


Record code 16

Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Inter-Account Transfer debits these records change on Commercial Banking in the following ways:


The order of the sub-records in Commercial Banking Online has changed.Commercial Banking Online does not include the word 'TRANSFER' to identify the IAT. Commercial Banking Online includes the payment reference, replacing the auto-generated payment ID in LloydsLink Online.

Transaction CodeLloydsLink Online: BAI Transaction Code is ‘699’. Commercial Banking Online: BAI Transaction Code is ‘566’.




16,699,89,Z,,,SOCGR1136 TRANSFER 00001/ 16,566,6,Z,,DRACREF,DRACREF





Code 3 ‘566’



Variable NNNNNN




variable length

6 Beneficiary account name 11 Free text –

variable length 6 Payment reference 18 Free text –

variable length

7 “TRANSFER” 8 “TRANSFER”

8 Auto-generated ID 5 Numeric –

fixed length

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Record code 88

Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions – each sub-record within the master 88 record is separated by a comma (‘,’). For Inter-Account Transfer debits these records change on Commercial Banking in the following ways:


Sub-records providedCommercial Banking Online includes text ‘TO’ with the beneficiary account sort code and number, replacing the text ‘TRANSFER’ and beneficiary account name in the 16 record in LloydsLink Online.Commercial Banking Online includes sub-records for Transaction ID and Transaction ID Date


Example: Example:

No 88 record is provided for inter account transfer on LloydsLink Online

88,TO 12345678 12345688,TRNID=00000000019-2188,TRNIDDATE=20180312





Format

1 1

‘TO’ + Beneficiary account number +Beneficiary sort code

18‘TO’ + AAAAAAAA + SSSSSS



=YYYYMMDD

BAI Export Guide

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Payment Type Inter-Account Transfer


Record code 16

Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Inter-Account Transfer credits these records change on Commercial Banking in the following ways:


The order of the sub-records in Commercial Banking Online has changed.Commercial Banking Online does not include the word ‘TRANSFER’ to identify the IAT. Commercial Banking Online includes the beneficiary reference, replacing the auto-generated payment ID in LloydsLink Online.

Transaction CodeLloydsLink Online: BAI Transaction Code is ‘399’.Commercial Banking Online: BAI Transaction Code is '241'.




16,399,89,Z,,,SOCGR1135 TRANSFER 00001/ 16,241,6,Z,,BEREFLINE1,BEREFLINE1





Code 3 ‘241’



Variable NNNNNN


4 Blank 0 Blank 4 Blank 0 -

5 Blank 0 Blank 5 Beneficiary reference 18 Free text –

variable length


variable length 6 Beneficiary reference 18 Free text –

variable length

7 “TRANSFER” 8 “TRANSFER”

8 Auto-generated ID 5 Numeric –

fixed length

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29

Record code 88

Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions – each sub-record within the master 88 record is separated by a comma (‘,’). For Inter-Account Transfer credits these records change on Commercial Banking in the following ways:


Sub-records providedCommercial Banking Online includes text ‘FR’ with the beneficiary account sort code and number, replacing the word 'TRANSFER' and beneficiary account name in the 16 record in LloydsLink Online.Commercial Banking Online includes sub-records for Transaction ID and Transaction ID Date.


Example: Example:

No 88 record is provided for inter account transfer on LloydsLink Online

88,FR 12345678 12345688,TRNID=00000000008-688,TRNIDDATE=20180312





Format

1 1

‘FR’ + Beneficiary account number +Beneficiary sort code

18‘FR’ + AAAAAAAA + SSSSSS



=YYYYMMDD

BAI Export Guide

30


Payment Type Euro & International MoneyMover


Record code 16

Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Euro & International MoneyMover debits these records change on Commercial Banking in the following ways:

Sub-records providedThe order of the sub-records in Commercial Banking Online has changed.LloydsLink Online provides the word ‘FOREIGN’ with the Foreign Transaction ID. This is included as a separate sub-record in the 88 record on Commercial Banking Online.




16,699,125,Z,,,FT195193869501 FOREIGN/ 16,699,125,Z,FT195193869501,/,FT195193869501





Code 3 ‘699’



Variable NNNNNN


4 Blank 0 Blank 4 ‘FT’ and generated ID 14 ‘FT’ + numeric

(fixed length)

5 Blank 0 Blank 5 Delimiter 0 ‘/’

6 ‘FT’ and generated ID 14 [35] ‘FT’ + numeric

(fixed length) 6 ‘FT’ and generated ID 14 ‘FT’ + numeric

(fixed length)

7 “FOREIGN” 7 “FOREIGN”

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Record code 88

Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions – each sub-record within the master 88 record is separated by a comma (‘,’). For Euro & International MoneyMover debits these records change on Commercial Banking in the following ways:


Sub-records providedCommercial Banking Online includes the sub-record ‘FOREIGN’, which was found in the 16 record in LloydsLink Online.Commercial Banking Online includes sub-records for Transaction ID, Transaction ID Date and Advice Reference.


Example: Example:

No 88 record is provided for International payments on LloydsLink Online

88,FOREIGN 88,TRNID=00000000014-388,TRNIDDATE=2018051188,ADVREF=FT195193869501 GBP12345678





Format

1 1 “FOREIGN” 7 “FOREIGN”



=YYYYMMDD

4 4

ADVREF + Foreign transaction ID + Currency + debit account number

Variable Free text – variable length

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Payment Type Euro & International MoneyMover


Record code 16

Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Euro & International MoneyMover credits these records change on Commercial Banking in the following ways:

Sub-records provided CBO includes the debit account name but not the debit account sort code and number. Note that for some Euro & International MoneyMover credits this information may change.

Transaction CodeLloydsLink Online: BAI Transaction Code is ‘922’. Commercial Banking Online: BAI Transaction Code is ‘169’.




16,922,178,V,180413,0000,,,F\FLOW \12345612345678 FOR INTL PAYMENT/ 16,169,134,Z,,DEBITACNAME,F/FLOW DEBITACNAME





Code 3 ‘169’



Variable NNNNNN


4 Value date 6 YYMMDD 4 Payment reference 18 Free text –

variable length

5 '0000' 4 ‘0000' 5 Debit account name 11 Free text –

variable length

6 Blank 0 Blank 6 'F\FLOW' 6 [7] ‘F\FLOW’


variable length

8 ‘F\FLOW’ 6 [7] ‘F\FLOW’

9 ‘\’ + debit account details 14 Numeric –

variable length


variable length

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Record code 88

Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions – each sub-record within the master 88 record is separated by a comma (‘,’). For Euro & International MoneyMover credits these records change on Commercial Banking in the following ways:


Sub-records provided Commercial Banking Online includes sub-records for Transaction ID, Transaction ID Date and Advice Reference.


Example: Example:

No 88 record is provided for International payments on LloydsLink Online

88,TRNID=00000000025-1388,TRNIDDATE=2018041388,ADVREF=123456123456781810300134DEBITACNAME





Format



=YYYYMMDD

3 3

ADVREF + debit account number + debit account sort code + generated ID + debit account name

Variable Free text – variable length

BAI Export Guide

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Payment Type Cheque


Record code 16

Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Cheque debits the 16 record will appear as it did on LloydsLink Online.




16,475,203,Z,,,00026/ 16,475,201,Z,,,000101





Code 3 ‘475’



Variable NNNNNN




6 Cheque number 5 Numeric – variable length 6 Cheque number 6 NNNNNN

BAI Export Guide

35

Record code 88

Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions – each sub-record within the master 88 record is separated by a comma (‘,’). For Cheque debits these records change on Commercial Banking in the following ways:


Sub-records provided Commercial Banking Online includes sub-records for Transaction ID and Transaction ID Date.


Example: Example:

No 88 record is provided for Cheques on LloydsLink Online 88,TRNID=00000000021-1988,TRNIDDATE=20180314





Format



YYYYMMDD

BAI Export Guide

36


Payment Type Cheque


Record code 16

Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Cheque credits these records change on Commercial Banking in the following ways:

Sub-records provided Commercial Banking Online includes an additional blank sub-record before the processing bank reference.

Transaction CodeLloydsLink Online: BAI Transaction Code is ‘399’.Commercial Banking Online: BAI Transaction Code is ‘514’.




16,399,100,Z,,,LOYD 109 FINSBURY/ 16,514,200,,,,LOYD 109 FINSBURY





Code 3 ‘514’



Variable NNNNNN

3 Funds type 1 ‘0’ 3 Funds type 1 ‘Z’ or ‘V’



6Processing bank location/reference

18 Free text – variable length 6 Blank 0 Blank



Example: Example:

No 88 record is provided for Cheques on LloydsLink Online No 88 record is provided for Cheques Credit on Commercial Banking Online





Format

Record code 88


BAI Export Guide

37


Payment Type Card Transactions


Record code 16

Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Card Transactions these records change on Commercial Banking in the following ways:

Sub-records providedThe Funds Type sub-record may not be populated in Commercial Banking Online.Commercial Banking Online only doesn’t include sub-records for the CD identifier and last four digits of the payment card. These can be found in the 88 record.

Transaction CodeLloydsLink Online: BAI Transaction Code is ‘699’.Commercial Banking Online: BAI Transaction Code is ‘468’




16,699,180,Z,,,GROCERY 732 CD 5017/ 16,468,1000,,,,SAMPLE STORE 1234





Code 3 ‘468’



Variable NNNNNN

3 Funds type 1 ‘Z’ or ‘V’ 3 Funds type Blank Blank



6 Store reference 18 [35] Free text – variable length 6 Store reference 18 Free text –

variable length

7 Card transaction code 2 [3] ‘CD’

8 Last 4 digit of payment card 4 NNNN

BAI Export Guide

38

Record code 88

Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions – each sub-record within the master 88 record is separated by a comma (‘,’). For Card Transactions these records change on Commercial Banking in the following ways:

Record structure Commercial Banking Online contains 7 separate lines for the 88 record, compared with 2 lines on LloydsLink Online.

Sub-records providedCommercial Banking Online includes sub records for the CD identifier and last four digits of the payment card. LloydsLink Online only includes these sub-records in the 16 record.Commercial Banking Online also includes sub-records for Transaction ID and Transaction ID Date.


Example: Example:

No 88 record is provided for Card Transaction on LloydsLink Online88,CD 501788,TRNID=00000000021-1688,TRNIDDATE=20180314





Format

1 1

Card transaction code & last 4 digits of payment card

7 CD NNNN



YYYYMMDD

BAI Export Guide

39


Payment Type Bank Giro Credit


Record code 16

Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Bank Giro Credits these records change on Commercial Banking in the following ways:





16,174,300,V,180314,0000,,,500006/ 16,201,300,Z,,,500046




1 BAI Transaction Code 3 1 BAI Transaction

Code 3 ‘201’



Variable NNNNNN


4 Value date 6 YYMMDD 4 Blank 0 Blank

5 '0000' 4 ‘0000’ 5 Blank 0 Blank

6 Bank Giro Credit reference 6 Numeric –

variable length 6 Bank Giro Credit reference 6 Numeric –

variable length

BAI Export Guide

40

Record code 88

Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions – each sub-record within the master 88 record is separated by a comma (‘,’). For Bank Giro Credits these records change on Commercial Banking in the following ways:




Example: Example:

No 88 record is provided for Bank Giro Credit on LloydsLink Online 88,TRNID=00000000021-1388,TRNIDDATE=20180314





Format



YYYYMMDD

BAI Export Guide

41


Payment Type ATM Withdrawal


Record code 16

Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For ATM Withdrawals these records change on Commercial Banking in the following ways:

Sub-records providedCommercial Banking Online doesn’t include the 3 character Transaction Code 'FPO'. Sub-records for the card transaction code, last 4 digits of the payment card and the value date are now found in the 88 record in Commercial Banking Online.





16,699,2000,Z,,,LOYD FINSBURY PAVE CD 5017 27MAR18/ 16,445,1000,Z,,,LOYD FINSBURY PAVE





Code 3 ‘445’



Variable NNNNNN





18 [35] Free text – variable length 6

Processing bank location/reference


7 Card transaction code 2 [3] ‘CD’

8 Last 4 digit of payment card 4 [5] NNNN

9 Value date 7 DDMMMYY

BAI Export Guide

42

Record code 88

Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions – each sub-record within the master 88 record is separated by a comma (‘,’). For ATM Withdrawals these records change on Commercial Banking in the following ways:


Sub-records provided Commercial Banking Online includes a sub-record for the card transaction code, last 4 digits of the payment card and the value date. It also includes sub-records for Transaction ID and Transaction ID Date.


Example: Example:

No 88 record is provided for ATM/Counter Withdrawal on LloydsLink Online

88,CD 5713 14MAR18 88,TRNID=00000000021-1188,TRNIDDATE=20180314





Format

1 1

‘CD’ + last 4 digit of payment card + value date

18 ‘CD’ + NNNN + DDMMMYYY



YYYYMMDD

BAI Export Guide

43


Payment Type Counter Withdrawal


Record code 16

Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Counter Withdrawals these records change on Commercial Banking in the following ways:

Funds TypeLloydsLink Online: Funds Type defaults to value ‘0’Commercial Banking Online: Funds Type defaults to value ‘Z’

Sub-records providedLloydsLink Online: detail is provided within the 88 record.Commercial Banking Online provides additional detail within the sub-records.

Transaction CodeLloydsLink Online: BAI Transaction Code is ‘699’ Commercial Banking Online: BAI Transaction Code is ‘508’




16,699,2000,Z,,,LOYD FINSBURY PAVE CD 5017 27MAR18/ 16,508,100,Z,,,TO 12345612345678





Code 3 ‘508’



Variable NNNNNN





18 [35] Free text – variable length 6 'TO ' 3 Free text –

Fixed length

7 Card transaction code 2 [3] ‘CD’ 7 Sort code &

Account Number 14 SSSSSS AAAAAAAA

8 Last 4 digit of payment card 4 [5] NNNN

9 Value date 7 DDMMMYY

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Record code 88

Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions. For Counter Withdrawals these records change on Commercial Banking in the following ways:

Record structureLloydsLink Online contains a single line with a detailed narrative for the transaction, with a set fixed length structure.Commercial Banking Online contains 3 separate lines for the 88 record.

Sub-records providedLloydsLink Online provides the processing bank reference (in the 16 record in Commercial Banking Online).Commercial Banking Online provides additional sub-records for Transaction ID and Transaction ID Date.


Example: Example:

No 88 record is provided for ATM/Counter Withdrawal on LloydsLink Online

88,TRNID=00000000012-988,TRNIDDATE=20180314





Format



YYYYMMDD

BAI Export Guide

45


Payment Type ATM / Counter Deposit


Record code 16

Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For ATM / Counter Deposits these records change on Commercial Banking in the following ways:

Sub-records providedCommercial Banking Online does not include the 3 character Transaction Code ‘CSH’. Id does show the sort code and account number for the account you are crediting.

Transaction CodeLloydsLink Online: BAI Transaction Code is ‘399’ Commercial Banking Online: BAI Transaction Code is ‘201’




16,399,2000,Z,,,AC 12345612345678/ 16,201,100,Z,,,AC 12345612345678





Code 3 ‘201’



Variable NNNNNN




6'AC' + debit sort code + debit account number

17 ‘AC ’ + SSSSSS + AAAAAAAA 6

'AC' + debit sort code + debit account number

17 ‘AC ’ + SSSSSS + AAAAAAAA

BAI Export Guide

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Record code 88

Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions – each sub-record within the master 88 record is separated by a comma (‘,’). For ATM / Counter Deposits these records change on Commercial Banking in the following ways:




Example: Example:

No 88 record is provided for ATM/Counter Deposit on LloydsLink Online

88,TRNID=00000000021-888,TRNIDDATE=20180314





Format



YYYYMMDD

BAI Export Guide

47


Payment Type Standing Order (Paid)


Record code 16

Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Standing Order (Paid) these records change on Commercial Banking in the following ways:

Sub-records provided Commercial Banking Online does not include the 2 character Transaction Code ‘SO’ with the beneficiary account name.




16,527,100,Z,,,SOCGR46 SO/ 16,527,100,Z,,,SOCGR617





Code 3 ‘527’



Variable NNNNNN




6 Beneficiary account name 11 [23] Free text –

variable length 6 Beneficiary account name 11 Free text –

variable length

7 Transaction type code 2 ‘SO’

BAI Export Guide

48

Record code 88

Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions – each sub-record within the master 88 record is separated by a comma (‘,’). For Standing Order (Paid) these records change on Commercial Banking in the following ways:




Example: Example:

No 88 record is provided for Standing Order on LloydsLink Online 88,TRNID=00000000026-1188,TRNIDDATE=20180418





Format



YYYYMMDD

BAI Export Guide

49


Payment Type Standing Order (Received)


Record code 16

Key DifferencesThe Commercial Banking Online 16 record contains detail of each transaction on your accounts – each sub-record within the master 16 record is separated by a comma (‘,’). For Standing Order (Received) these records change on Commercial Banking in the following ways:

Sub-records providedCommercial Banking Online does not include the 2 character Transaction Code ‘SO’. It does not include the CMG code, which is only available in the 88 record.




16,227,100,Z,,,SOCGR635 SO CMG3/ 16,227,100,Z,,,SOCGR1135





Code 3 ‘227’



Variable NNNNNN






variable length

7 Transaction type code 2 [12] ‘SO’

8 CMG code 4 Free text – variable length

BAI Export Guide

50

Record code 88

Key DifferencesThe Commercial Banking Online 88 record contains additional detail for some transactions – each sub-record within the master 88 record is separated by a comma (‘,’). For Standing Order (Received) these records change on Commercial Banking in the following ways:


Sub-records provided Commercial Banking Online includes sub-records for CMG code, Transaction ID and Transaction ID Date.


Example: Example:

No 88 record is provided for Standing Order on LloydsLink Online88,CMG4 88,TRNID=00000000026-1088,TRNIDDATE=20180418





Format

1 1 CMG code 4 Free text – variable length



YYYYMMDD

BAI Export Guide

51

Find out more

We hope you have found this Guide clear and easy to understand but remember, our Helpdesk team are always ready to answer any query you may have.

You can reach them on 0345 300 6444 † between 8am – 6pm, Monday to Friday excluding bank holidays.† Telephone calls may be recorded for security purposes

and monitored under our quality control procedures.

Important informationLloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Telephone: 020 7626 1500. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Regulation number 119278.

Lloyds Bank International Limited trading as Lloyds Bank and Lloyds Bank Commercial Banking, registered Office and principle place of business: PO Box 160, 25 New Street, St. Helier, Jersey JE4 8RG. Registered in Jersey No. 4029. regulated by the Jersey Financial Services Commission. We abide by the Jersey Code of Practice for Consumer Lending.

The Isle of Man branch of Lloyds Bank International Limited is licensed by the Isle of Man Financial Services Authority to conduct deposit-taking and investment business and is also registered as an insurance intermediary in respect of general business.

The Guernsey branch of Lloyds Bank International Limited is licensed to conduct banking, investment and insurance intermediary business by the Guernsey Financial Services Commission under the Banking Supervision (Bailiwick of Guernsey) Law 1994, the Protection of Investors (Baiilwick of Guernsey) Law 1987 and the Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law 2002.

Lloyds Bank plc is covered by the Financial Ombudsman Service (FOS). Please note due to FOS eligibility criteria not all Lloyds Bank business customers will be covered.

Our service promiseIf you experience a problem, we will always try to resolve it as quickly as possible. Please bring it to the attention of any member of staff. Our complaints procedures are published at lloydsbank.com/business

LBLOLI/E03/0818

BAI EXPORT GUIDE - Lloyds Bank...BAI Export File Structure The formatting and content of each record...

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