• Guidance: importing CHAPS in Commercial Banking Online (CSV file)

    Last updated:  07  December  2015

    Importing CHAPS in a CSV file

    Importing CHAPS payments to Commercial Banking Online will be different to importing them in your existing online banking channel.

    Corporate Online

    Header Indicator and Trailer Indicator

    Each payment you import will need to contain a header record at the start and a trailer record at the end. The header record will need to include:

    • Header Indicator: H
    • Import date: YYYYMMDD
    • Unique Sequence Number: every payment submitted by a user on the same day must have a different number. Each user can choose which number to enter.

    The Trailer Indicator field must always be ‘T’.

    Comments

    The comments field allows you to add notes about the payment. The field is optional and any text entered will not be shown on Commercial Banking Online.

    This table shows a breakdown of new, changed and removed fields on Commercial Banking Online

    New mandatory fieldsFields have changed position or formatNew optional fieldsRemoved fields
    Import DateHeader IdentifierBeneficiary Bank Address Line 2Beneficiary Address Line 3
    Unique Sequence NumberPayment TypeBeneficiary CountryBeneficiary Bank Address Line 3
    Value DateDebit AccountBeneficiary Bank CountryAdvise Beneficiary
    Beneficiary Bank Code TypeBeneficiary Bank CodeCommentsInfo to Payee Bank Line 1
    Originator CountryBeneficiary Account NumberOriginator NameInfo to Payee Bank Line 2
    Beneficiary Account TypePayment AmountOriginator Address 1Info to Payee Bank Line 3
     Beneficiary NameOriginator Address 2Info to Payee Bank Line 4
     Beneficiary Bank NameOriginator Address 3Info to Payee Bank Line 5
     Customer ReferenceOriginator Postal CodeInfo to Payee Bank Line 6
     Payment Details Line 1Originator CountryIBAN Flag
     Payment Details Line 2 Beneficiary IBAN
     Payment Details Line 3 SWIFT BIC Flag
     Payment Details Line 4 SWIFT BIC
     Record Code Email Confirmation Flag
       Email Address

    New mandatory fields

    These fields are new mandatory fields which must be completed for the imported payment to pass validation.

    Fields have changed position or format

    These fields have changed position and/or format. They are a mixture of mandatory and optional fields Mandatory fields must be completed for the imported payment to pass validation.

    New optional fields

    These fields are new and are optional.

    Removed fields

    These fields will no longer appear on Commercial Banking Online.

    This table shows the differences between your existing payment import file and the payment import file on Commercial Banking Online

     Corporate OnlineCommercial Banking Online 
    Field namePositionMandatory / optionalField formatPositionMandatory / optionalField formatDescription of the change

    Header Identifier

    1

    Mandatory

    HEA

    H1

    Mandatory

    H

    Field has changed format

    Import Date

    n/a

    n/a

    n/a

    H2

    Mandatory

    YYYYMMDD

    New mandatory field

    Unique Sequence Number

    n/a

    n/a

    n/a

    H3

    Mandatory

    35 characters

    New mandatory field

    Payment Type

    1

    Mandatory

    EDP

    1

    Mandatory

    CHAPS

    Mandatory field must be filled with 'CHAPS’

    Debit Account

    2 and 3

    Mandatory

    6 characters and 8 characters

    5

    Mandatory

    [Sort Code]-[Account Number]

    Sort Code and Account Number are now in a single field separated with a hyphen.

    Beneficiary Bank Code

    4

    Mandatory

    6 characters

    14

    Mandatory

    35 characters

    Field has changed format

    Beneficiary Account Number

    5

    Mandatory

    20 characters

    7

    Mandatory

    8 characters

    Field has changed position and format

    Payment Amount

    6

    Mandatory

    N18.2

    3

    Mandatory

    N18.2

    Field has changed position

    Beneficiary Name

    7

    Mandatory

    35 characters

    6

    Mandatory

    35 characters

    Field has changed position

    Beneficiary Address Line 1

    8

    Mandatory

    35 characters

    8

    Optional

    35 characters

    No change

    Beneficiary Address Line 2

    9

    Mandatory

    35 characters

    9

    Optional

    35 characters

    No change

    Beneficiary Address Line 3

    10

    Mandatory

    35 characters

    n/a

    n/a

    n/a

    Field has been removed

    Beneficiary Bank Name

    11

    Optional

    35 characters

    12

    Optional

    35 characters

    Field has changed position

    Beneficiary Address Line 1

    12

    Mandatory

    35 characters

    15

    Optional

    35 characters

    No change

    Beneficiary Bank Address Line 2

    13

    Mandatory

    35 characters

    16

    Optional

    35 characters

    No change

    Beneficiary Bank Address Line 3

    14

    Mandatory

    35 characters

    n/a

    n/a

    n/a

    Field has been removed

    Customer Reference

    15

    Mandatory

    18 characters

    4

    Optional

    16 characters

    Field is now optional and has changed position

    Advise Beneficiary

    16

    Mandatory

    1 character

    n/a

    n/a

    n/a

    Field has been removed

    Payment Details Line 1

    17

    Optional

    35 characters

    19

    Optional

    35 characters

    Field has changed position

    Payment Details Line 2

    18

    Optional

    35 characters

    21

    Optional

    35 characters

    Field has changed position

    Payment Details Line 3

    19

    Optional

    35 characters

    21

    Optional

    35 characters

    Field has changed position

    Payment Details Line 4

    20

    Optional

    35 characters

    22

    Optional

    35 characters

    Field has changed position

    Info to Payee Bank Line 1

    21

    Optional

    35 characters

    n/a

    n/a

    n/a

    Field has been removed

    Info to Payee Bank Line 2

    22

    Optional

    35 characters

    n/a

    n/a

    n/a

    Field has been removed

    Info to Payee Bank Line 3

    23

    Optional

    35 characters

    n/a

    n/a

    n/a

    Field has been removed

    Info to Payee Bank Line 4

    24

    Optional

    35 characters

    n/a

    n/a

    n/a

    Field has been removed

    Info to Payee Bank Line 5

    25

    Optional

    35 characters

    n/a

    n/a

    n/a

    Field has been removed

    Info to Payee Bank Line 6

    26

    Optional

    35 characters

    n/a

    n/a

    n/a

    Field has been removed

    IBAN Flag

    27

    Optional / Mandatory

    1 character

    n/a

    n/a

    n/a

    Field has been removed

    Beneficiary IBAN

    28

    Optional

    34 characters

    n/a

    n/a

    n/a

    Field has been removed

    SWIFT BIC Flag

    29

    Optional / Mandatory

    1 character

    n/a

    n/a

    n/a

    Field has been removed

    SWIFT BIC

    30

    Optional

    34 characters

    n/a

    n/a

    n/a

    Field has been removed

    Email Confirmation Flag

    31

    Optional / Mandatory

    1 character

    n/a

    n/a

    n/a

    Field has been removed

    Email Address

    32

    Optional

    100 characters

    n/a

    n/a

    n/a

    Field has been removed

    Record Code

    T1

    Mandatory

    TRA

    T1

    Mandatory

    T

    Field will be completed automatically

    Value Date

    n/a

    n/a

    n/a

    2

    Mandatory

    YYYYMMDD

    New mandatory field

    Beneficiary Country

    n/a

    n/a

    n/a

    11

    Optional

    C2 (must be valid country code)

    New optional field

    Beneficiary Bank Code Type

    n/a

    n/a

    n/a

    13

    Mandatory

    ‘UK’ or ‘SWIFT’

    New mandatory field

    Beneficiary Bank Country

    n/a

    n/a

    n/a

    18

    Optional

    C2 (must be valid country code)

    New optional field

    Comments

    n/a

    n/a

    n/a

    23

    Optional

    140 characters

    New optional field. Not passed with payment import.

    Originator Name

    n/a

    n/a

    n/a

    26

    Optional

    35 characters

    New optional field

    Originator Address 1

    n/a

    n/a

    n/a

    27

    Optional

    35 characters

    New optional field.

    Originator Address 2

    n/a

    n/a

    n/a

    28

    Optional

    35 characters

    New optional field.

    Originator Address 3

    n/a

    n/a

    n/a

    29

    Optional

    15 characters

    New optional field.

    Originator Country

    n/a

    n/a

    n/a

    31

    Mandatory

    2 characters (Must be a valid country code)

    New mandatory field

    Beneficiary Account Type

    n/a

    n/a

    n/a

    32

    Mandatory

    ‘Other’ for UK and ‘SWIFT’ for non-UK

    New mandatory field

    Check your payment import files are compatible with Commercial Banking Online

    We have provided a range of example files that demonstrate what a working payment import file will look like on Commercial Banking Online. You can use these files to compare them with and make changes to your current import files.

    Find out more about using payment import example files on Commercial Banking Online.

    A key to the abbreviations used in the tables above

    Key 
    Position The number shows the field position within the file. Where there are two numeric values, e.g. 3 and 4, this means two fields will be consolidated into one. For example Commercial Banking Online combines the sort code and account number into one field.
    Field Formatn/aNot applicable – this field does not exist
    DDays
    MMonths
    YYears
     N(16.2) means 16 numeric characters with 2 decimal places
    25 characters x 5means five lines of 25 characters
    'H' or 'T'means Header or Trailer

Lloyds Bank plc. Registered office: 25 Gresham Street, London, EC2V 7HN. Registered in England and Wales no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Authorisation can be checked on the Financial Services Register at www.fca.org.uk under the Firm Registration Number 119278.

We subscribe to The Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk. Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all Business customers will be covered.