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Spotlight PEPPOL BIS Billing 3.0 The EU e-invoicing mandate is here — France Sept 2026, Belgium Jan 2026, Germany 2025.

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Standards

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BAI2-FORMAT

BAI2 format US bank cash management reporting 1987 still widely used.

Definition

BAI2 file structure: (1) File Header (Record Code 01): sender + receiver IDs, file creation date + time, file ID, file control total, etc. (2) Group Header (Record Code 02): group senders + receivers, group date, group status, group control total, etc. (3) Account Identifier (Record Code 03): account number, currency, summary entries (~30+ Type Codes for balance types: ledger balance + available balance + opening balance + closing balance + 1 day float + 2 day float + minimum balance + maximum balance + average balance etc.). (4) Transaction Detail (Record Code 16): transaction code (Type Code ~250+ codes for transaction types: ACH credit + ACH debit + wire transfer + check + lockbox + ZBA transfer + sweep + foreign exchange + interest etc.), amount, customer reference, bank reference, dates. (5) Continuation (Record Code 88): continuation of preceding record if exceeds maximum length. (6) Account Trailer (Record Code 49): account control total + record count. (7) Group Trailer (Record Code 98): group control total + record count. (8) File Trailer (Record Code 99): file control total + record count. BAI Type Codes: ~250+ transaction codes published BAI standard, e.g., 174 ACH Credit Received, 165 Lockbox Deposit, 169 Money Transfer Credit, 195 Wire Transfer In, 451 ACH Debit Sent, 575 Wire Transfer Out, etc. (each code 3-digit). Successor format: BAI3 published ~2002 but limited adoption, ISO 20022 camt.053 Bank-to-Customer Statement now preferred by international + new banking systems modernization, BAI2 still entrenched US corporate banking 2024.

Origin

BAI v1 published 1981 ; BAI2 published 1987 by Bank Administration Institute ; BAI3 published 2002 (limited adoption) ; still widely used 2024 US corporate banking.

Example in context

US Fortune 500 corporate treasury receives daily prior-day BAI2 file from JPMorgan Chase via SFTP: file contains opening + closing balances all 250 accounts + ~5000 yesterday transactions across all accounts (ACH credits + debits + wires + checks paid + lockbox deposits + sweep transactions) ; Treasury Management System parses BAI2 + reconciles to ERP general ledger + posts cash positions for daily cash management reporting.

Last updated: May 16, 2026