Westpac Transaction Code Westpac Narrative Corresponding BAI2 Code

100
110
115
165
169

50 DEPOSIT 142
51 DEPOSIT INTEREST FROM GOV'T INVESTMENT 142
52 DEPOSIT-FAMILY ALLOWANCE 142
53 DEPOSIT-SALARY 142
54 DEPOSIT-PENSION 142
56 DEPOSIT DIVIDEND 142
57 DEPOSIT-DEBENTURE/NOTE INTEREST 142
60 DEPOSIT 142
95 MERCHANT SETTLEMENT 147
159 EXPORT PROCEEDS RECEIVED REFERENCE 164
271 PROCEEDS EXPORT BILL NEGOTIATED REFERENCE 164
510 DEPOSIT 167

269 DIRECT CREDIT RETURNED 168

72 CHEQUE RECEIVED-OMITTED FROM DEPOSIT 172

76 MERCHANT AMOUNT OMITTED FROM DEPOSIT 172
80 CHEQUE AMOUNT INCORRECT ON DEPOSIT 172
97 BUSINESS EXPRESS DEPOSIT - CASH ERROR 172
151 COS CASH ERROR 172
168 ERROR IN DEPOSIT 172
295 ERROR IN ADDITION ON DEPOSIT 172
856 ADJUSTMENT FOR ERROR IN PROCESSING ON 172
86 ERROR IN CARRY FORWARD OF CHEQUE TOTAL 173
50 DEPOSIT 174
859 DEPOSIT - FUNDS TRANSFERRED 174
50 DEPOSIT 175
60 DEPOSIT 175
61 DEPOSIT 175
167 DEPOSIT 175
73 RTGS HIGH VALUE PAYMENT REF NO 195
94 PERIODICAL PAYMENT FROM 195
98 AUSTRACLEAR PAYMENT REF NO 195
155 PROCEEDS FROM TELEGRAPHIC TRANSFER 195
194 DEPOSIT - INTERNET ONLINE BANKING 195
251 DEPOSIT 195
859 DEPOSIT - FUNDS TRANSFERRED 195
886 DEPOSIT 195
887 DEPOSIT-OSKO PAYMENT 195
154 REVERSAL OF DEBIT TRANSACTION ON 196

196 PROCEEDS OVERSEAS TELEGRAPHIC TRANSFER 208

186 OVERSEAS ITEM AS ADVISED 221

94 PERIODICAL PAYMENT FROM 227
197 MONEY MARKET DEPOSIT TRANSACTION 244
190 DISCOUNT SECURITY TRANSACTION 246
150 PRINCIPAL PAID ON 249
154 REVERSAL OF DEBIT TRANSACTION ON 252 , 216, 206
895 DEPOSIT-PAYMENT REVERSAL 252
896 DEPOSIT-OSKO PAYMENT REVERSAL 252
891 DEPOSIT-PAYMENT RETURN 266, 258,
892 DEPOSIT-OSKO PAYMENT RETURN 266
188 TRANSFER/REPLENISHMENT FROM ACCOUNT 275, 277 , 281
62 DEPOSIT WESTPAC CHESS SETTLEMENT 342
610 DEPOSIT TERMINATION OF CASH DEPOSIT 350
153 INTEREST PAID ON 354
195 INTEREST PAID 354
280 CREDIT INTEREST TRANSFERRED FROM ACCOUNT 354
65 INTEREST ADJUSTMENT FOR 359
192 INTEREST ADJUSTMENT 359
169 REVERSAL OF DISHONOURED CHEQUE 395, 390
161 REFUND OF FEE CHARGED ON 398
50 DEPOSIT 399
60 DEPOSIT 399
61 DEPOSIT 399
13 PAYMENT BY AUTHORITY TO 451
37 IMPORT COLLECTION PAID REFERENCE 464
106 DRAWING-IMPORT LETTER OF CREDIT 464
116 IMPORT ITEM AS ADVISED 464
46 DIRECT ENTRY DRAWING 466
513 WITHDRAWAL 466

207 DIRECT DEBIT REJECTED 468

209 DIRECT DEBIT RETURNED 468

0 WITHDRAWAL/CHEQUE 475,474, 469,409,400

1 WITHDRAWAL 475
5 WITHDRAWAL BY COUNTER CHEQUE 475
9 WITHDRAWAL BY CHEQUE 475
6 RITS PAYMENT REF NO 495,491,490
14 WITHDRAWAL FOR 495
29 RTGS HIGH VALUE PAYMENT REF NO 495
109 PROVISION FOR LOCAL TELEPHONE TRANSFER 495
122 WITHDRAWAL - INTERNET ONLINE BANKING 495
127 WITHDRAWAL - TELEPHONE BANK SELF-SERVICE 495
134 WITHDRAWAL - INTERNET ONLINE BANKING 495
203 WITHDRAWAL 495
803 WITHDRAWAL 495
817 WITHDRAWAL-OSKO PAYMENT 495

137 OVERSEAS TELEGRAPHIC TRANSFER REFERENCE 508

239 CANCEL'N COSTS - FORWARD EXCHANGE CONTRACT 514

3 PERIODICAL PAYMENT TO 527
148 WITHDRAWAL FOR WESTPAC CHESS SETTLEMENT 535
237 MONEY MARKET DEPOSIT TRANSACTION 544
235 DISCOUNT SECURITY TRANSACTION 546
11 AUSTRACLEAR PAYMENT REF NO 549
7 REVERSAL OF DEPOSIT DUE TO CHEQUE/S UNPAID 506,550,555 ,570,577,581
870 WITHDRAWAL-PAYMENT RETURN 566
874 WITHDRAWAL-OSKO PAYMENT RETURN 566
114 TRANSFER/REPLENISHMENT BY AUTHORITY 575
144 FINANCIAL INSTITUTIONS LEVY - NORFOLK IS. 575
231 FUNDS TRANSFERED TO TERM DEPOSIT 650
231 FUNDS TRANSFERED TO TERM DEPOSIT 651
17 INTEREST 654
104 INTEREST PAYABLE ON ACCOUNT 654
25 INTEREST ADJUSTMENT FOR 659
217 INTEREST ADJUSTMENT 659
102 REVERSAL OF CREDIT TRANSACTION ON 694
845 CHARGEBACK 694
4 BUSINESS EXPRESS DEPOSIT - CASH ERROR 695
16 ERROR IN DEPOSIT 695
200 DEPOSIT INCLUDES FOREIGN CURRENCY CHEQUE 695
204 MERCHANT SUMMARY MISSING FROM ENVELOPE 695
219 ERROR IN ADDITION ON DEPOSIT 695
247 THIRD PARTY CHEQUE TO BE VERIFIED 695
287 MERCHANT ENVELOPE NOT RECEIVED WITH DEP. 695
289 CHEQUE AMOUNT INCORRECT ON DEPOSIT 695
298 ERROR IN CARRY FORWARD OF CHEQUE TOTAL 695
826 ADJUSTMENT FOR ERROR IN PROCESSING ON 695
1 WITHDRAWAL 698
15 FEE 698
18 COMMISSION 698
31 COMMISSION - EXPORT BILL REFERENCE 698
38 COMMISSION IMPORT COLLECTION REFERENCE 698
39 FEE FOR DEPOSIT BOOK 698
42 MERCHANT CHARGES 698
100 ESTABLISHMENT FEE-IMPORT LETTER OF CREDIT 698
112 AMENDMENT FEE-IMPORT LETTER OF CREDIT 698
126 DOCUMENT HANDLING FEE 698
128 BANK GUARANTEE FEE 698
145 TRANSFER OF FEE FROM 698
243 WITHDRAWAL FOR SETTLEMENT 698
13 PAYMENT BY AUTHORITY TO 699
14 WITHDRAWAL FOR 699
17 INTEREST 699
 BAI2 Code Name
Total Value of all Credit transactions PR01
PR01
PR01
PR01
PR01

ACH CREDIT RECEIVED

ACH CREDIT RECEIVED
ACH CREDIT RECEIVED
ACH CREDIT RECEIVED
ACH CREDIT RECEIVED
ACH CREDIT RECEIVED
ACH CREDIT RECEIVED
ACH CREDIT RECEIVED
INDIVIDUAL BANK CARD DEPOSIT
CORPORATE TRADE PAYMENT CREDIT
CORPORATE TRADE PAYMENT CREDIT
ACH SETTLEMENT CREDITS
ACH RETURN ITEM OR ADJUSTMENT
SETTLEMENT
DEPOSIT CORRECTION
DEPOSIT CORRECTION
DEPOSIT CORRECTION
DEPOSIT CORRECTION
DEPOSIT CORRECTION
DEPOSIT CORRECTION
DEPOSIT CORRECTION
DEPOSIT CORRECTION
BANK-PREPARED DEPOSIT
OTHER DEPOSIT
OTHER DEPOSIT
CHECK DEPOSIT PACKAGE PR01
CHECK DEPOSIT PACKAGE PR01
CHECK DEPOSIT PACKAGE PR01
CHECK DEPOSIT PACKAGE PR01
INCOMING MONEY TRANSFER
INCOMING MONEY TRANSFER
INCOMING MONEY TRANSFER
INCOMING MONEY TRANSFER
INCOMING MONEY TRANSFER
INCOMING MONEY TRANSFER
INCOMING MONEY TRANSFER
INCOMING MONEY TRANSFER
INCOMING MONEY TRANSFER
MONEY TRANSFER ADJUSTMENT
INDIVIDUAL INTERNATIONAL MONEY TRANSFER
CREDIT
FOREIGN CHECK PURCHASE
STANDING ORDER
INTEREST/MATURED PRINCIPAL PAYMENT
COMMERCIAL PAPER
MISCELLANEOUS SECURITY CREDIT
DEBIT REVERSAL PR01
DEBIT REVERSAL PR01
DEBIT REVERSAL PR01
RETURN ITEM PR02
RETURN ITEM PR02
ZBA CREDIT PR01
BROKER DEPOSIT
INVESTMENT SOLD
INTEREST CREDIT PR05
INTEREST CREDIT PR05
INTEREST CREDIT PR05
INTEREST ADJUSTMENT CREDIT
INTEREST ADJUSTMENT CREDIT
CHECK REVERSAL PR01
MISCELLANEOUS FEE REFUND
MISCELLANEOUS CREDIT
MISCELLANEOUS CREDIT
MISCELLANEOUS CREDIT PR07
ACH DEBIT RECEIVED
CORPORATE TRADE PAYMENT DEBIT
CORPORATE TRADE PAYMENT DEBIT
CORPORATE TRADE PAYMENT DEBIT
ACH SETTLEMENT
ACH SETTLEMENT
ACH RETURN ITEM OR ADJUSTMENT
SETTLEMENT
ACH RETURN ITEM OR ADJUSTMENT
SETTLEMENT
CHECK PAID PR02
CHECK PAID PR02
CHECK PAID PR02
CHECK PAID PR02
OUTGOING MONEY TRANSFER PR02
OUTGOING MONEY TRANSFER PR02
OUTGOING MONEY TRANSFER PR02
OUTGOING MONEY TRANSFER PR02
OUTGOING MONEY TRANSFER PR02
OUTGOING MONEY TRANSFER PR02
OUTGOING MONEY TRANSFER PR02
OUTGOING MONEY TRANSFER PR02
OUTGOING MONEY TRANSFER PR02
OUTGOING MONEY TRANSFER PR02
INDIVIDUAL INTERNATIONAL MONEY TRANSFER
DEBITS
FOREIGN EXCHANGE DEBIT
STANDING ORDER
PURCHASE OF EQUITY SECURITIES
INTEREST/MATURED PRINCIPAL PAYMENT
COMMERCIAL PAPER
MISCELLANEOUS SECURITY DEBIT
DEPOSITED ITEM RETURNED PR02
RETURN ITEM
RETURN ITEM
ZBA DEBIT
ZBA DEBIT
INVESTMENTS PURCHASED
INDIVIDUAL INVESTMENT PURCHASED
INTEREST DEBIT PR04
INTEREST DEBIT PR04
INTEREST ADJUSTMENT DEBIT
INTEREST ADJUSTMENT DEBIT
DEPOSIT REVERSAL
DEPOSIT REVERSAL
DEPOSIT CORRECTION DEBIT
DEPOSIT CORRECTION DEBIT
DEPOSIT CORRECTION DEBIT
DEPOSIT CORRECTION DEBIT
DEPOSIT CORRECTION DEBIT
DEPOSIT CORRECTION DEBIT
DEPOSIT CORRECTION DEBIT
DEPOSIT CORRECTION DEBIT
DEPOSIT CORRECTION DEBIT
DEPOSIT CORRECTION DEBIT
MISCELLANEOUS FEES PR06
MISCELLANEOUS FEES PR06
MISCELLANEOUS FEES PR06
MISCELLANEOUS FEES PR06
MISCELLANEOUS FEES PR06
MISCELLANEOUS FEES PR06
MISCELLANEOUS FEES PR06
MISCELLANEOUS FEES PR06
MISCELLANEOUS FEES PR06
MISCELLANEOUS FEES PR06
MISCELLANEOUS FEES PR06
MISCELLANEOUS FEES PR06
MISCELLANEOUS FEES PR06
MISCELLANEOUS DEBIT PR06
MISCELLANEOUS DEBIT PR06
MISCELLANEOUS DEBIT PR06
 Field Name Record Code

Fixed value of 01.

Field Description
Mandatory/Optional Mandatory
01 01,WPACAU2DK,WIBSCUST,060302,1301,01,080,,2/ 01
Field Name Record Code

Fixed value of 02.

Field Description
Mandatory/Optional Mandatory
02 02,WIBSCUST,WPACAU2DK,1,060302,,AUD,2/ 02

Field Name Record Code

Fixed value of 03.

Field Description
Data Format (Length) Integer (2)
Mandatory/Optional Mandatory

03
03 03,032000000007,AUD,010,300000,,,015,-100000,,,045,765000,,,/

88,100,9760000,1,,400,503333,2,/ 88

Field Name Record Code

Field Description Fixed value of 16.

Data Format (Length) Integer (2)

Mandatory/Optional Mandatory
04 16,698,90000,Z,0000050000,/ 16
05 88,YOUR REFERENCE: IA000000000 88

Field Name Record Code

Field Description Fixed value of 49.

Data Format (Length) Integer (2)

Mandatory/Optional Mandatory

06 49,98530055,8/ 49

Field Name Record Code

Fixed value of 98.

Field Description
Data Format (Length) Integer (2)
Mandatory/Optional Mandatory
07 98,1093333111333,28,117/ 98

Field Name Record Code

Field Description Fixed value of 99.

Data Format (Length) Integer (2)
Mandatory/Optional Mandatory
08 99,1093333111333,10,315/ 99
Sender ID Receiver ID File Creation Date

The iLink "System Code" (i.e. system

Fixed value of WPACAU2DK. code that is receiving the message). The file creation date in AEST date, and format of YYMMDD.

Mandatory Mandatory Mandatory

WPACAU2DK WIBSCUST 60302
Ultimate Receiver ID Originator ID Group Status

The iLink "System Code" (i.e. system

code that is receiving the message). Fixed value of WPACAU2DK. Fixed value of 1, indicating "Update" status.
Will match the Receiver ID in Record
01.

Optional Mandatory Mandatory

WIBSCUST WPACAU2DK 1

Customer Account Number Currency Code Type Code

Populated with the customer The ISO currency code representing the The account summary or account status activity reported within this record. Information relate
account (BSB and account number). accounts currency.

Integer Characters (3) Integer (3)

Mandatory Optional Optional

32000000007 AUD 10
15
45
100
400

Type Code Amount Funds Type

The unsigned value of the transaction. Fixed value of Z, indicating an "Unknown" funds type.
See BAI2 codes described in Type Codes.
Provided without decimal places.

Integer (3) Float Character (1)

Mandatory Optional Optional
698 90000 Z
YOUR REFERENCE: IA000000000

Account Control Total Number of Records

The signed, algebraic sum of all The total number of records reported
"Amount" fields reported within the for this account (i.e. Count of
preceding account records. Provided all 03, 16, 88 and 49 Records reported
without decimal places. for this account).

Float Integer
Mandatory Mandatory

98530055 8/

Group Control Total Number of Accounts Number of Records

The signed, algebraic sum of all

"Amounts" reported within all The total number of accounts reported The total number of records reported in this group (i.e.
"Account Control Total" fields from in this group. (i.e. Count of 03 records Count of all 02, 03, 16, 88, 49 and 98 Records reported for
record 49, within this group. in this group). this group).
Provided without decimal places.

Float Integer Integer

Mandatory Mandatory Mandatory
1093333111333 28 117/

File Control Total Number of Groups Number of Records

The signed, algebraic sum of all

"Amounts" reported within all
"Group Control Total" fields from
all 98 records within this file.
Provided without decimal places. The total number of groups reported in The total number of records reported in this file (i.e. Count of
this file (i.e. Count of 02 records in this all 01, 02, 03, 16, 88, 49, 98 and 99 Records reported per
file). account).
Float Integer Integer
Mandatory Mandatory Mandatory
1093333111333 10 315/
File Creation Time File ID Number

The file creation time in AEST time, and format of hhmm. Fixed value of 01.

Mandatory Mandatory
1301 1
As of Date As of Time

The originator date for which account information provided within a

given group in the file is being reported in AEST date, and format Blank.
of YYMMDD.

Mandatory Optional
60302

Amount Item Count

The value of the activity identified by the preceding Type Code.

Provided without decimal places. Signed for Type Codes 010, 015 and For Type Codes 010, 015 and 045, this field will be left Blank. For Type Code
045, unsigned for Type Codes 100 and 400. 100 and 400, total count of transactions.

Float Integer
Optional Optional

300000
-100000
765000
976000
503333

Bank Reference Customer Reference

The "Customer Reference" received from clients. Populated with reference

The "Westpac Reference" allocated to a transaction. data received from clients, which may include cheque serial numbers or
other transaction identifier information.

Character Integer
Optional Optional
50000 /

The total value of amounts reported for this account is 985300.55

AUD, over 8 records
Physical Record Length

The maximum character length of a record.

Optional
80
Currency Code

The base ISO Currency Code for the Country of the file sender.

Optional
AUD

Funds Type

Blank.

Blank
Optional

1
2

Text

The "Narrative" for a transaction. Provides additional, human-readable

information about a transaction.

Character
Optional
Block Size BAI Version

Fixed value
Blank. of 2.

Optional Mandatory
2/
As of Date Modifier

Fixed value of 2, as Westpac account information is available as of previous day.

Optional
2/

10 - Opening Balance of 3000.00 AUD.

15 - Closing Balance of -10000.00 AUD.
45 - Available Closing Balance of 7650.00 AUD.
100 - Total value of Credit transactions is 97600.00 AUD, with 1 transaction.
400 - Total value of Debit transactions is 5033.33 AUD, with 2 transactions.
 03,032000
000007,AU
D,010,300
000,,,015
,-
100000,,,
045,76500
0,,,/ 300000
-100000
765000

88,100,97
60000,1,,
400,50333
3,2,/ 9760000
503333

16,698,90 16,698,90
000,Z,000 000,Z,000
04 0050000,/ 0050000,/

88,YOUR
REFERENCE
:
IA0000000
00