BALANCES & TRANSACTIONS CSV EXPORT GUIDE€¦ · Inter-Account Transfer Dr 14 Inter-Account...

BALANCES & TRANSACTIONS CSV EXPORT GUIDEDownloading Data Exports in Commercial Banking Online

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Balances & Transactions CSV Export

The Balances & Transactions data export file in Commercial Banking Online contains 8 fields with key transaction information, balances through the day and opening and closing ledger balances. It replaces the transaction statement download available from LloydsLink Online. It can be used for today’s transactions, yesterday’s transaction or for transactions across your chosen date range.This guide includes:• What’s changed from LloydsLink Online.• Specifications for the new Commercial Banking Online Export File.

Important Information

Please use this information to make changes to your local processes, to avoid any problems with reconciliation after your move to Commercial Banking Online.

Balances & Transactions CSV Export Guide

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How to download the Balances & Transactions CSV ExportYou’ll find the Balances & Transactions Export in the Download Data Export screen in Commercial Banking Online.

Select the Export Type CSV (Balances and Transactions) and the required date and account parameters to download your export.

Further guidance on downloading the export file is available on the Commercial Banking Online Support Centre

Using the Balances & Transactions CSV ExportWe recommend you download the Balances & Transactions CSV Export if you need to use transaction and balance data to complete reconciliations and other finance processes.

Alternatively, you can use the Reports section in Commercial Banking Online to:

• view advices

• create reports to view within Commercial Banking Online

• export reports in a similar format to a traditional bank statement.

Further guidance on using 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/

Commercial Banking Online

A B C D E F G H

1 Post date Account Number Account Name Type Amount Customer Reference

Transaction Detail

Balance

2 DD/MM/YYSSSSSS-

AAAAAAAA CCC

16 character MAX account name

Type of Payment (see list of key entries below)

(+ve or -ve) NNNNNNNNNN

NNN.NN

18 character MAX reference

See ‘Transaction Narrative Changes’


NNN.NN

LloydsLink Online

A B C D E F G H

1 Account Date Type Narrative Value Date Payment Amount Received Amount Balance Position

2SSSSSS-

AAAAAAAA (CCC)

DD-MMM-YYType of Payment

(see list of key entries below)

See ‘Transaction Narrative Changes’

DD-MMM-YY NNNNNNNNNN NNN.NN

NNNNNNNNNN NNN.NN


NNN.NN

Understanding the field formats

Dates:

DD/MM/YYYY Date written in numerical format e.g. 13/01/2018DD-MMM-YY Date in short written format e.g. 13-Jan-18

Account Details:

SSSSSS Sort CodeAAAAAAAA Account NumberCCC ISO Currency Code e.g. GBP

Balance and Transaction Amounts:

N Numeric Character

File Structure Changes The structure of the CSV Export Files will be different in Commercial Banking Online.

Field level changes:Key changes for export file structure in Commercial Banking Online:

• Account Name and Customer Reference are new fields.

• A separate Value Date field does not exist in Commercial Banking Online.

• Post Date format is written in a standard numerical format DD/MM/YYYY, e.g. 13/01/2018.

• The amount is merged into one field, with positive values for credits and negative values for debits.

See how the fields are ordered and formatted differently in Commercial Banking Online below:

Please see the below for full specifications for the Commercial Banking Online CSV Export.

Row level changes:Commercial Banking Online has the same transaction lines as LloydsLink Online.

However, there are changes in the lines for summary balance and transaction information:

• Commercial Banking Online has two summary lines for balances for each account. These can be identified with Opening Ledger and Closing Ledger in the Type field.

• LloydsLink Online has 3 additional lines – a total value for debits, a total value for credits and closing cleared balance.


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File Specification for the Balances & Transactions CSV Export

File Delimiter: Comma (,)

Text Qualifier: Double quotes (")

Header Lines: 1

Field Position

Field Name Description Field

FormatMax Characters

1 Post Date Date on which the transaction information was posted to your account DD/MM/YYYY 10

2 Account Number

The account number and currency of the account to which the transaction and balance information is posted

SSSSSS-AAAAAAAA CCC 19

3 Account Name The account name registered on Commercial Banking Online

Alphanumeric (no special characters) 18

4 Type The type of transaction – common entries are provided in the Transaction Code section


5 Amount The amount of the transaction in the account currency N.NN 18,2

6 Customer Reference

The payment reference for the transaction, previously only provided within the Narrative field on LloydsLink Online


7 Transaction Detail

Detail of the transaction – this will change based on the transaction type. Examples for common entries are provided in the Transaction Narratives section

Max 90 characters, split into 18 characters section. See Transaction Narrative section for detail

90

8 Balance The intra-day balance of the account post processing of the transaction N.NN 18,2


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Transaction Code ChangesCommercial Banking Online shows information about each transaction in a different way to LloydsLink Online.

Transaction TypeThe Balance & Transaction report in Commercial Banking Online includes a Type field, to describe the type of transaction. This replaces the information provided in the Type field and by the 3-character transaction code within the Narrative field on LloydsLink Online.

See how the LloydsLink Online transaction code and Type entries map to the Type description in Commercial Banking Online below.

Debit / Credit Commercial Banking Online Type entry

LloydsLink Online Type

LloydsLink Online transaction code (within Narrative)

Debit

Faster Payment DR FPO

CHAPS Payment F/FLOW TFR

Direct Debit or Bacs Payment D/D DD

Account Debit DR TRANSFER

Miscellaneous DR -

ATM Withdrawal DR -

Counter Withdrawal DR -

Card Transaction DR CD

Standing Order Paid S/O SO

Credit

Faster Payment CR FPI

CHAPS Payment or International Payment

F/FLOW TFR

Bank Giro Credit BGC BGC

Account Credit CR TRANSFER

Cheque CHQ -

Cash Deposit CR CSH

Counter Deposit CR -

Standing Order S/O SO

Identifying Debits & CreditsIn LloydsLink Online debits to your accounts are identified by a positive value in the Payment Amount field, with credits to your accounts identified by a positive vale in the Received Amount field.

In Commercial Banking Online a single Amount field shows debits to your account identified by a negative value and credits to your accounts identified by a positive value.


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Transaction Narrative ChangesThe following pages include descriptions for the transaction detail field in the Commercial Banking Online CSV Export.

Payment Category Payment Type Debit or Credit Page Number

Domestic Transactions

Faster Payment Dr 8

Faster Payment Cr 9

CHAPS Dr 10

CHAPS Cr 11

BACS Dr 12

BACS Cr 13

Inter-Account Transfer Dr 14

Inter-Account Transfer Cr 15

International Transactions

Euro / International MoneyMover

Dr 16

Euro / International MoneyMover

Cr 17

Non-channel Generated Transactions

Cheque Dr 18

Cheque Cr 19

Card Transaction Dr 20

Bank Giro Credit Cr 21

ATM/Counter Withdrawal Dr 22

ATM/Counter Deposit Cr 23

Direct Debit Dr 24

Unpaid Direct Debit Cr 25

Standing Order Paid Dr 26

Standing Order Received Cr 27


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Transaction Narrative Changes

Payment Type Faster Payments

Debit or Credit to the Account Dr

Key DifferencesThe Commercial Banking Online Faster Payments transaction narrative for debits from your accounts is different from LloydsLink Online in the following ways:

CharactersLloydsLink Online – 125 characters, in 5 sections of 25.Commercial Banking – 90 characters, in 5 sections of 18.

RowsLloydsLink Online – the multi-line CSV splits the transaction narrative across 5 separate lines. The single-line CSV shows the narrative on one single line.Commercial Banking Online – the transaction narrative is formatted as a single line.

Transaction Code

LloydsLink Online – the FPO transaction code is included in characters 23-25.Commercial Banking Online – the narrative does not include the transaction code, which is now found in the Type field.

Today’s vs. yesterday’s statement

LloydsLink Online – on today’s statement the Transaction Timestamp is not provided and the narrative will contain 100 characters rather than 125.Commercial Banking Online – there is no difference between today’s and yesterday’s statement and transaction posting is real-time.

Transaction Narrative ChangesApart from the transaction code, the transaction narrative on Commercial Banking Online includes the same information found in LloydsLink Online. However, the structures of the narratives have changed.

See how the transaction narrative information is structured differently in the table below:

ContentCommercial Banking Online

Character No.Commercial Banking Online

FormatLloydsLink Online

Character No.

Beneficiary Name & Transaction Code 1-18 Free text – variable length

No Transaction Code included 1-25

Unique Faster Payment ID 19-36 Fixed length – 18 characters 26-50

Payment Reference 37-54 Free text – variable length 51-75

Remitter Sort Code & IFP Transaction Code 55-72 Sort Code: characters 55-60

IFP Transaction Code: 66-67 76-100

Transaction Timestamp 73-90 DDMMMYYYY HH:MI 101-125 (not included on today’s statement)

Transaction Narrative Example

Important Information

On today’s statement, any Faster Payments between Lloyds Bank sort codes will appear as Inter-Account Transfers. This will be corrected the following day for the transaction narrative to appear as above. This is the same as on LloydsLink Online.


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Payment Type Faster Payments

Debit or Credit to the Account Cr

Key DifferencesThe Commercial Banking Online Faster Payments transaction narrative for credits to your accounts is different from LloydsLink Online in the following ways:


LinesLloydsLink Online – the multi-line CSV splits the transaction narrative across 5 separate lines. The single-line CSV shows the narrative on one single line.Commercial Banking Online – the transaction narrative is formatted as a single line.

Transaction Code

LloydsLink Online – the FPI transaction code is included in characters 23-25.Commercial Banking Online – the narrative does not include the transaction code, which is now found in the Type field.








Character No.

Remitter Account Name 1-18 Free text – variable length No Transaction Code included 1-25



Remitter Sort Code & IFP Transaction Code 55-72 Sort Code: characters 55-60

IFP Transaction Code: 66-67 76-100

Transaction Timestamp 73-90 DDMMMYYYY HH:MI 101-125 (not included on today’s statement)



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Payment Type CHAPS Payments


Key DifferencesThe Commercial Banking Online CHAPS transaction narrative for debits from your accounts is different from LloydsLink Online in the following ways:

CharactersLloydsLink Online – 50 or 75 characters, in 3 sections of 25.Commercial Banking – 36 or 54 characters, in 3 sections of 18.

Lines

LloydsLink Online – the multi-line CSV splits the transaction narrative across 2 or 3 separate lines. The single-line CSV shows the narrative on one single line.Commercial Banking Online – the transaction narrative is formatted as a single line. If a debit account reference is not entered then the narrative will be 36 characters.

Transaction Code

LloydsLink Online – the TFR transaction code is included in characters 23-25.Commercial Banking Online – the narrative does not include the transaction code, which is now found in the Type field.

Beneficiary Name

LloydsLink Online – F/FLOW is followed by Beneficiary name in line 1. 8 characters are available for beneficiary name.Commercial Banking Online – Beneficiary name is followed by F/FLOW in line 1. 11 characters are available for beneficiary name.

Numeric Reference

LloydsLink Online – no auto-generated payment reference.Commercial Banking Online – an auto-generated 10 digit numeric reference will appear after the debit account reference.






Character No.

Beneficiary Name 1-11 Free text – variable length No Transaction Code included 8-15

F/FLOW 13-18 Fixed text –" F/FLOW" 1-6

Debit Account Reference 19-36 Free text – variable length 26-75

Auto-generated Payment Reference 37-54 Numeric – variable length -



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Payment Type CHAPS Payments


Key DifferencesThe Commercial Banking Online CHAPS transaction narrative for credits to your accounts is different from LloydsLink Online in the following ways:

CharactersLloydsLink Online – 50 or 75 characters, in 3 sections of 25.Commercial Banking – 36 or 54 characters, in 3 sections of 18.

Lines

LloydsLink Online – the multi-line CSV splits the transaction narrative across 3 separate lines. The single-line CSV shows the narrative on one single line.Commercial Banking Online – the transaction narrative is formatted as a single line. If a debit account reference is not entered then the narrative will be 35 characters.

Transaction Code


Beneficiary Name

LloydsLink Online – F/FLOW is followed by Beneficiary name in line 1. 8 characters are available for beneficiary name.Commercial Banking Online – Beneficiary name is followed by F/FLOW in line 1. 11 characters are available for beneficiary name.






Character No.

Beneficiary Name 1-11 Free text – variable length 1-11

F/FLOW 13-18 Fixed text – " F/FLOW" No Transaction Code included 13-18

Debit Account Reference 19-54 Free text – variable length 26-75



11


Payment Type BACS


Key DifferencesThe Commercial Banking Online BACS transaction narrative for debits from your accounts is different from LloydsLink Online in the following ways:


Lines

LloydsLink Online – the multi-line CSV splits the transaction narrative across 2 separate lines. The single-line CSV shows the narrative on one single line.Commercial Banking Online – the transaction narrative is formatted as a single line. If an entire line is left blank when processing the payment then that line will be excluded from the narrative and the narrative length shortened by 18 characters.

Transaction Code

LloydsLink Online – the DD transaction code is included in characters 24-25.Commercial Banking Online – the narrative does not include the transaction code, which is now found in the Type field.






Character No.

Beneficiary NameOrBatch Reference (for BACS multiple payments)

1-18

Free text – variable lengthOr

10 digit numeric reference number: NNNNNNNNNN

No Transaction Code included

1-18


Transaction Narrative ExampleBACS Single:

BACS Multiple:


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Payment Type BACS


Key DifferencesThe Commercial Banking Online BACS transaction narrative for credits to your accounts is different from LloydsLink Online in the following ways:



Transaction Code

LloydsLink Online – the BGC transaction code is included in characters 23-25.Commercial Banking Online – the narrative does not include the transaction code, which is now found in the Type field.






Character No.

Debit Account Name 1-18 Free text – variable length No Transaction Code included 1-18




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Payment Type Inter-Account Transfer


Key DifferencesThe Commercial Banking Online Inter-Account Transfer transaction narrative for debits from your accounts is different from LloydsLink Online in the following ways:



Payment Reference

LloydsLink Online – provides the debit account reference in characters 1-18. If this isn’t entered this will contain the name of the debit account on the channel.Commercial Banking Online – provides the debit account reference in characters 1-18. If this isn’t entered this will contain an auto-generated 10 digit numeric payment ID.

Transaction Code


Payment Details

LloydsLink Online – text TRANSFER indicates this is an IAT and an auto-generated 5 digit code is provided.Commercial Banking Online – the directions of the transfer (for debit this is TO) and the beneficiary account sort code and account number.

Transaction Narrative ChangesThe transaction narrative on Commercial Banking Online contains different information to LloydsLink Online and the structures of the narratives have changed.





Character No.

Debit Account ReferenceOrAuto-generated Reference

1-18 Free text – variable length No Transaction Code included 1-18

TO 19-20 Fixed text – "TO" Replaces text TRANSFER in LloydsLink Online

Beneficiary Account and Sort Code 22-36 Sort Code: characters 31-36

Account Number: 22-29 -



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Payment Type Inter-Account Transfer


Key DifferencesThe Commercial Banking Online Inter-Account Transfer transaction narrative for credits to your accounts is different from LloydsLink Online in the following ways:



Payment Reference

LloydsLink Online – provides the debit account reference in characters 1-18. If this isn’t entered this will contain the name of the debit account on the channel.Commercial Banking Online – provides the debit account reference in characters 1-18. If this isn’t entered this will contain an auto-generated 10 digit numeric payment ID.

Transaction Code


Payment Details

LloydsLink Online – text TRANSFER indicates this is an IAT and an auto-generated 5 digit code is provided.Commercial Banking Online – the directions of the transfer (for debit this is TO) and the beneficiary account sort code and account number.






Character No.

Beneficiary Reference 1-18 Free text – variable length -

FR 19-20 Fixed text – "FR" -

Debit Account and Sort code 22-36

Sort Code: characters 31-36Account Number: 22-29

No Transaction Code included-



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Payment Type Euro & International MoneyMover


Key DifferencesThe Commercial Banking Online Euro & International MoneyMover transaction narrative for debits from your accounts is different from LloydsLink Online in the following ways:



Transaction Narrative ChangesThe transaction narrative on Commercial Banking Online includes the same information found in LloydsLink Online. However, the structures of the narratives have changed.





Character No.

Foreign Transaction Reference 1-18 FTNNNNNNNNNNNNNN 1-25

International Payment Indicator 19-25 Text 'FOREIGN' 25-31

Currency 27-29CCC

Only provided for certain international payments

-

Exchange Rate Detail 37-54N.NN AT N.NNNN

Only provided for certain international payments

-



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Payment Type Euro & International MoneyMover


Key DifferencesThe Commercial Banking Online International MoneyMover transaction narrative for credits to your accounts is different from LloydsLink Online in the following ways:



Transaction codeLloydsLink Online – the ‘TFR’ transaction code is included in characters 23-25Commercial Banking Online – the narrative does not include a transaction code.






Character No.

Funds Flow Indicator 1-7 F/FLOW 1-7

Remitter Name 8-18Free text - variable length

No Transaction Code included8-25



17


Payment Type Cheque


Key DifferencesThe Commercial Banking Online Cheque transaction narrative for debits from your accounts is different from LloydsLink Online in the following ways:

CharactersLloydsLink Online – 25 characters.Commercial Banking – 18 characters.

Lines LloydsLink Online – the transaction narrative is formatted as a single line. Commercial Banking Online – the transaction narrative is formatted as a single line.






Character No.

Cheque Numeric Reference 1-18 Numeric – variable length 1-25



18


Payment Type Cheque


Key DifferencesThe Commercial Banking Online Cheque transaction narrative for credits to your accounts is different from LloydsLink Online in the following ways:


Lines LloydsLink Online – the transaction narrative is formatted as a single line. Commercial Banking Online – the transaction narrative is formatted as a single line.






Character No.

Processing Bank Location/Reference 1-18 Free text – variable length 1-25



19


Payment Type Card Transaction


Key DifferencesThe Commercial Banking Online Card Transaction narrative for debits from your accounts is different from LloydsLink Online in the following ways:








Character No.

Beneficiary Name 1-18 Free text – variable length 1-25

Card Transaction Reference 19-20 Fixed text – "CD" 26-27

Last 4 digits of card number 22-25 Fixed length – 4 characters 29-32



20


Payment Type Bank Giro Credit


Key DifferencesThe Commercial Banking Online Bank Giro Credit transaction narrative for credits to your accounts is different from LloydsLink Online in the following ways:


LinesLloydsLink Online – the transaction narrative is formatted as a single line.Commercial Banking Online – the transaction narrative is formatted as a single line.






Character No.

Bank Giro Credit Numeric Reference 1-18 Numeric – variable length 1-25



21


Payment Type ATM / Counter Withdrawal


Key DifferencesThe Commercial Banking Online ATM / Counter Withdrawal transaction narrative for debits from your accounts is different from LloydsLink Online in the following ways:








Character No.

Processing Bank Location/Reference 1-18 Free text – variable length 1-25

Card Transaction Reference 19-20 Fixed text – "CD" 26-27

Last 4 digits of card number 22-25 Fixed length – 4 characters 29-32

Value Date 27-33 Fixed length – 6 characters 34-40



22


Payment Type ATM / Counter Deposit


Key DifferencesThe Commercial Banking Online ATM / Counter Deposit transaction narrative for credits to your accounts is different from LloydsLink Online in the following ways:



Transaction Code

LloydsLink Online – the CSH transaction code is included in characters 23-25.Commercial Banking Online – the narrative does not include the transaction code, which is now found in the Type field.






Character No.

Processing Bank Location/Reference 1-18 Free text – variable length

No Transaction Code included 1-25



23


Payment Type Direct Debit


Key DifferencesThe Commercial Banking Online Direct Debit transaction narrative for debits from your accounts is different from LloydsLink Online in the following ways:



Transaction Code

LloydsLink Online – the DD transaction code is included in characters 24-25.Commercial Banking Online – the narrative does not include the transaction code, which is now found in the Type field.






Character No.


Payment Reference ID 19-36 Free text – variable length 26-50



24


Payment Type Unpaid Direct Debit


Key DifferencesThe Commercial Banking Online Unpaid Direct Debit transaction narrative for credits to your accounts is different from LloydsLink Online in the following ways:








Character No.

Unpaid Direct Debit Message 1-14 Fixed text – "UNPAID D/D REF" 1-14

Payment Reference ID 19-36 Free text – variable length 26-50



25


Payment Type Standing Order (Paid)


Key DifferencesThe Commercial Banking Online Standing Order (Paid) transaction narrative for debits from your accounts is different from LloydsLink Online in the following ways:



Transaction Code

LloydsLink Online – the SO transaction code is included in characters 24-25.Commercial Banking Online – the narrative does not include the transaction code, which is now found in the Type field.






Character No.




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Payment Type Standing Order (Received)


Key DifferencesThe Commercial Banking Online Standing Order (Received) transaction narrative for credits to your accounts is different from LloydsLink Online in the following ways:



Transaction Code

LloydsLink Online – the FPI transaction code is included in characters 23-25.Commercial Banking Online – the narrative does not include the transaction code, which is now found in the Type field.








Character No.

Remitter Account Name 1-18 Free text – variable length No Transaction Code included 1-25



Remitter Sort Code & IFP Transaction Code 55-72 Sort Code: characters 55-60 IFP

Transaction Code: 66-67 76-100

Transaction Timestamp 73-90 DDMMMYYYY HH:MI101-125

(not included on today’s statement)



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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 0808 202 1390† between 7.30am – 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

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BALANCES & TRANSACTIONS CSV EXPORT GUIDE€¦ · Inter-Account Transfer Dr 14 Inter-Account...

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