BAI File Guide
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You can sign up with TxB Client Service to receive BAI2 reports intraday or at end of day. These reports provide the balances of each deposit account you own and the associated transactions.
Available Frequency
| Report | Frequency |
|---|---|
| BAI2 - End of Day Statement Message | Daily - generated around midnight EST |
| BAI2 - Intraday Day Statement Message | Every 15, 30, 60 minute intervals or at defined schedule |
If you opt to receive intraday statements (e.g., say every 60 minutes) and during that 60 minutes your accounts have no transaction activity, you can opt to receive a 'blank' intraday report or to simply not receive a report.
File Structure
BAI Files can look daunting, but we'll show you how to interpret them. Here's a sample:
01,GSBI,ABC,200331,2300,1,,,2/
02,,GSBI,1,200331,2300,,,/
03,123456,USD,010,10000,,,/
16,495,1000,,I1220012,endtoendID,To: Payee account, Account: XXXXX-4454, Client Ref ID: endtoendID, GS ID:I1220012/
88,CREF: 9f4396bd-8c47-4893-8682-bd8ff006d140
49,11000,2/
98,12000,2,5/
99,22000,2,10/ Overview of File Structure
| 01 File Header | Mandatory information, present exactly once in the file |
|---|---|
| 02 Group Header | Beginning of the group |
| 03 Account Identifier | First Account |
| 16 Transaction Detail | |
| 49 Account Trailer | |
| 03 Account Identifier | Second Account |
| 49 Account Trailer | |
| 03 Account Identifier | Third Account |
| 16 Transaction Detail | |
| 88 Continuation | |
| 88 Continuation | |
| 49 Account Trailer | |
| 98 Group Trailer | End of the Group |
| 99 File Trailer | End of the file |
The file header and trailer are mandatory and are present exactly once in the file. There can be one or multiple groups in the file and each group can have multiple accounts.
Interpretation of the Sample BAI File
Sample File Level Record:
01,GSBI,ABC,200331,2300,1,,,2/
Interpretation of Record:
This suggests that this file has been generated by GSBI for client ABC, on 31st March 2020 at 11:00 PM. This is the first record of the day & is identified by "1" in the record. Format used is v2 of BAI
| Field Name | Value |
|---|---|
| Record Code | 01 |
| Sender Identification | GSBI |
| Receiver Identification | Client ID |
| File Creation Date | YYMMDD Format |
| File Creation Time | Military Format (2400) |
| File Identification Number | Unique File ID |
| Physical Record Length | Optional |
| Block Size | Optional |
| Version Number | 2 |
Sample Group Level Record:
02,,GSBI,1,200331,2300,,,/
Interpretation of Record:
This record states that this is a group header for accounts reported by GSBI. Group status "1" suggests this is an update and has been generated on 31st March 2020 at 11:00 PM.
| Field Name | Value |
|---|---|
| Record Code | 02 |
| Ultimate Receiver ID | Optional |
| Originator ID | GSBI |
| Group Status | 1 |
| As-of-date | YYMMDD Format |
| As-of-time | Time of Origination |
| Currency Code | Optional |
| As-of-Date Modifier | 2(For Prior day EOD Report) 3(For Intraday Report) Not populated for current day EOD Report |
Sample Account Level record:
03,123456,USD,010,10000,,,/
Interpretation of Record:
The given record is an account header for account number "123456" with account currency USD. "010" refers to opening balance of the account that is stated to be $100. The last 2 digits in the amount field are considered as decimals based on the currency decimal value applicable.
| Field Name | Value |
|---|---|
| Record Code | 03 |
| Customer Account Number | Account Number |
| Currency Code | Account Currency(ISO) |
| Type Code | Refer Appendix |
| Amount | Amount for the Value Reported |
| Item Code | As per the table on the right |
| Funds Type | Won't populate |
Sample Transaction Level Record:
16,495,1000,,I1220012,test1,To: Payee account, Account: XXXXX-4454, Client Ref ID: endtoendID, GS ID:I1220012
Interpretation of Record:
This record states that this is a transaction detail record of record type 495- interpreted as wire transfer out of the account of value $10. The GS bank unique payment ID for this payment is "I1220012" and end to end of the payment received is "test1".
| Field Name | Value |
|---|---|
| Record Code | 16 |
| Type Code | Refer Appendix - Details of Transaction Type Code |
| Amount | Amount |
| Funds Type | Optional |
| Bank Reference Number | GS Unique Payment ID(GS UPI) |
| Customer Reference Number | end to End ID |
| Text | Transaction Description |
Sample Continuation Record:
88,CREF: 9f4396bd-8c47-4893-8682-bd8ff006d140
Interpretation of Record:
If the information in a single record needs to continue to the next row owing to length issues; record type 88 is used. 88 is considered a continuation record wherever placed.GS uses 88 records to provide additional datapoints in a more structured format to bethat can be parsed programmatically.
Each instance of a 88 record is used to represent an additional data point.
| Field Name | Value |
|---|---|
| Record Code | 88 |
| Text | Any additional info on the record; that could not be completed in the original preceding record GS will provide the following additional attributes when available under respective tags End to End ID-EREF Clearing System Reference-CREF Remittance-REMI Debtor's Name-DBNM Creditor's Name-CRNM Receiver's Identification Number(ACH)-IDNM Counterparty Account Number-CACT/DACT Creditor ABA Number-CABA Debtor ABA Number-DABA |
Sample Account Trailer Record:
49,11000,2/
| Field Name | Value |
|---|---|
| Record Code | 49 |
| Account Control Total | Numerical sum of all amounts in the payment reports |
| Number of Records | Total number of records in the account envelop |
Sample Group Trailer Record:
98,12000,2,5/
| Field Name | Value |
|---|---|
| Record Code | 98 |
| Group Control Total | Numerical sum of all account control totals |
| Number of accounts | Total number of accounts reported in the group |
| Number of records | Total number of records in the group envelop |
Sample File Trailer Record:
99,22000,2,10/
| Field Name | Value |
|---|---|
| Record Code | 99 |
| File Control Total | Numerical sum of all group control totals |
| Number of Groups | Total number of groups reported in the file |
| Number of Records | Total number of records in the file envelop |
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