What is an APACS Export

  • Understanding your APACS Export

    The Automated Payments Clearing Service export format, APACS, is a fixed-length ASCII file, with a header and trailer and a transaction length of 106 characters.

    Here is the structure of APACS exported using 'Download data export'. More information about the fields are shown in the tables below.

    File Header

    Account Number with Closing Balance

    Account Number with Transaction

    Account Number with Total Credits

    Account Number with Total Debits

    File Trailer

    Except from the header and trailer, each line of the file will start with the account number followed by the transaction code, currency, amount, reference information and the date in a Julian format.

    File header

    The File header line indicates the start of the file and contains information on the date of the file extract. The information will follow this order:

    Field Name Length DB Column Mapping Comments
    Header ID 3 N/A Fixed value HDR
    Current date 5 Current system date in YYDDD format YY – Two character year DDD – 3 character Julian date

    Closing Ledger Balance

    Example of Closing Ledger Balance

    30121501234567060000000000000000GBP00000600000Closing Ledger Balance 19189

    Transaction Details

    The transaction record gives transaction information of the account that is specified at the start of the line.

    The information in the fields will follow this order:

    Field Name Length Comments
    Sort Code 6 First 6 characters of the account number
    Account number 8 Last 8 characters of account number
    Account type 1 Set to 0
    Transaction code 2 Transaction code – see table below
    Zeros 15 15 zeros
    Currency code 3 SWIFT currency code
    Amount 11R Amount unsigned in pence
    Transaction narrative 54L Transaction narrative and then ‘space’ filled
    Post date 6 Format BYYDDD B= space YY – two character year DDD – 3 character Julian date

    Example of Transaction Details

    1234567890123456789012345678901234567890123456789012345678901234567890123456789012345678901234567890123456
    30121501234567093000000000000000GBP00000550000F/UK BANK 19189
    30121501234567074000000000000000GBP00000050000CARDPROVIDER LTD 501111015NURSERY 22/07 19189
    30121501234567011000000000000000GBP00000020000 219630 19189
    30121501234567017000000000000000GBP00000037734POWER COMPANY LTD 15000123444 19189

    Total credit and total debit

    Example of Total Debit and Total Credit

    30121501234567054000000000000000GBP00001200000Total Record - Credit 19189
    30121501234567044000000000000000GBP00000057734Total Record - Debit 19189

    Account Trailer

    The account trailer indicates the end of the account information that was opened in the Account header.

    The information in the fields will follow this order:

    Field name Length DB Column Mapping Comments
    Trailer ID 3 N/A Fixed value TRL

    Example of an account trailer

    TRL

    Multiple accounts

    If you have requested more than one account to be included in the report the file will begin after the Total Record – Debit entry. Accounts will be ordered by Sort codes and Account Number and then by date within that.

    Transaction Codes

    Example file – single account, single date

    HDR19190

    30121501234567060000000000000000GBP00000600000Closing Ledger Balance 19189
    30121501234567093000000000000000GBP00000550000F/UK BANK 19189
    30121501234567074000000000000000GBP00000050000CARDPROVIDER LTD 501111015NURSERY 22/07 19189
    30121501234567011000000000000000GBP00000020000 219630 19189
    30121501234567017000000000000000GBP00000037734POWER COMPANY LTD 15000123444 19189
    30121501234567054000000000000000GBP00001200000Total Record - Credit 19189
    30121501234567044000000000000000GBP00000057734Total Record - Debit 19189

    TRL

    Example File – Multiple Accounts, Multiple Dates (the red signifies a new date or new account)

    HDR19190

    30121501005678060000000000000000GBP00000023827Closing Ledger Balance 19188
    30121501005678017000000000000000GBP00000001000MEDIA COMPANY LTD 102065505 19188
    30121501005678017000000000000000GBP00000000750NETWORK COMPANY LTD DD01111229 19188
    30121501005678054000000000000000GBP00000023827Total Record - Credit 19188
    30121501005678044000000000000000GBP00000001750Total Record - Debit 19188
    30121511234567060000000000000000GBP00000600000Closing Ledger Balance 19188
    30121511234567074000000000000000GBP00000025000WATER COMPANY LTD PUBL0701232233UKLV2 19188
    30121511234567093000000000000000GBP00000550000F/UK BANK 19189
    30121511234567074000000000000000GBP00000050000CARDPROVIDER LTD 501111015NURSERY 22/07 19189
    30121511234567011000000000000000GBP00000020000 219630 19189
    30121511234567017000000000000000GBP00000037734POWER COMPANY LTD 15000123444 19189
    30121511234567054000000000000000GBP00001225000Total Record - Credit 19189
    30121511234567044000000000000000GBP00000057734Total Record - Debit 19189

    TRL

    Balance and Transaction Codes

    Code Credit transaction Code Debit Descriptions
    54 Total Record 03 Sundry Debits
    60 Closing Balance 11 Cheque paid*
    74 Bank Giro Credit 17 Direct Debit
    90 Dividends 20 Closing Balance
    93 Sundry Credits 44 Total record

    *Cheque Paid: cheque serial number will be a six digit number appearing in characters 19 to 24 inclusive of the Transaction narrative (Field 8)

    Credit codes may be in the range 50-99 Debit codes may be in the range 01-49

How helpful is the information on this page?

Important legal information

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Telephone: 0207 626 1500.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number 119278.

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.

Lloyds Banking Group includes companies using brands including Lloyds Bank, Halifax and Bank of Scotland and their associated companies. More information on Lloyds Banking Group can be found at www.lloydsbankinggroup.com