Bacs Standard 18

Bacs Standard 18 file format is used by a number of organisations as a EFT message format. FileMaker has the Bacs Standard 18 as one of the bank writers implemented as standard. The format can be quite involved to create manually.


Banks EFT using the Bacs Standard 18 Format

Bacs Standard 18 general structure

  • VOL record
  • HDR1 record
  • HDR2 record
  • UHL1 record
  • many data records
  • contra records
  • EOF1 record
  • EOF2 record
  • UTL1 record

Bacs Transaction Codes

  • 01 – First payment Direct Debit
  • 17 – Direct Debit
  • 18 – Re-Presentation of Direct Debit
  • 19 – Final payment Direct Debit
  • 99 – Bacs Credit
  • 0N – AUDDIS – New DDI
  • 0C – AUDDIS – Cancel DDI
  • 0S – AUDDIS – Convert DDI

Sample of Bacs Standard 18 format

VOL1000024 801014 1
HDR1A801014S 180101400002400010000 10243 102450000000
HDR2F0102400100 00
UHL1 10244999999 000000001 DAILY 000
0901277777777701709012774859633000000000001000A.N.Y.COMPANY GENERICREF1 MR R BLOGS
0901273333333301709012774859633000000000001000A.N.Y.COMPANY GENERICREF2 MRS A PERSON
0901274444444401709012774859633000000000001000A.N.Y.COMPANY GENERICREF3 MR G SMITH
0901279999999901709012774859633000000000001000A.N.Y.COMPANY GENERICREF4 MISS J DOE
0901277485555501709012774859633000000000001000A.N.Y.COMPANY ED101452 MR ED
0901277485963309909012774859633000000000005000TEST PAY CONTRA A.N.Y.COMPANY
EOF1A801014S 180101400002400010000 10243 102450000000
EOF2F0102400100 00
UTL10000000005000000000000500000000050000001 0000000TEST PAY