Non-CBA Payment Requests File Specification

Version No. 9.4 18 June 2026 Public

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Version	Date	Changes
9.4	18 June 2026	Updated external references to ISO and SWIFT official sources. Amendments to address line 2 & 3 (field 21 & 22). Country codes references updated Currency code references updated Updated link to the SWIFT BIC code checker IBAN references updated Added Glossary of Terms

1.1 Transaction Fields

Each transaction consists of the following fields:

#	Field Name	Description
1	Transaction Type	To specify whether the transaction is an International Money Transfer (IMT), Priority Payment (PP) or a Non-CBA Payment Request (Non-CBA)
2	Transaction Description	Short description of the transaction (for your records).
3	Process Date	The value date of the transaction.
4	Payment Currency	The currency for the credit side of the transaction (see Currency Codes).
5	Payment Amount	The amount to be credited.
6	Debit Amount	The amount to be debited.
7	Debit Account - Account Number	The debit account number.
8	Dealer Code	The reference code given by a CBA Foreign Exchange dealer for a negotiated customer rate.
9	Dealer Exchange Rate	The exchange rate given by a CBA Foreign Exchange dealer.
10	Intermediary Bank - Bank Code	The bank code of the intermediary bank.
11	Intermediary Bank - Name	The name of the intermediary bank.
12	Intermediary Bank - City	The name of the city where the intermediary bank resides.
13	Intermediary Bank - Country Code	The country code for the intermediary bank (see Country Codes).
14	Beneficiary Bank - Bank Code	The bank code of the beneficiary bank.
15	Beneficiary Bank - Name	The name of the beneficiary bank.
16	Beneficiary Bank - City	The name of the city where the beneficiary bank resides.
17	Beneficiary Bank - Country Code	The country code for the beneficiary bank (see Country Codes).
18	Beneficiary -Account Number	The beneficiary account number.
19	Beneficiary -Account Name	The name of the beneficiary account.
20	Beneficiary - Address line 1	Beneficiary address line 1.
21	Reserved For Future Use	Must be blank - the payment will be rejected if a value is specified
22	Reserved For Future Use	Must be blank - the payment will be rejected if a value is specified
23	Beneficiary - City	The city where the beneficiary resides.
24	Beneficiary - State	The state/region, etc. where the beneficiary resides.
25	Beneficiary - Postcode	The postal code where the beneficiary resides.
26	Beneficiary - Country Code	The country code for the beneficiary (see Country Codes).
27	Beneficiary Payment Details	Long description of the transaction. Sent with the payment for advice to the beneficiary.
28	Details of Charge	(Non CBA Payment Requests only) Specify if the beneficiary will wear the charges, or if you as the ordering customer will.
29	Urgent Payment	(Non CBA Payment Requests only) Specify if you wish for your bank to process the payment as urgent.
30	Ordering Bank - BIC	(Non CBA Payment Requests only) Specify the BIC of the bank where the debit account (field 7) is held.

1.2 File Format Rules

No.	Rule Description
1	Each transaction in a file: • Must be a one debit/ one credit transaction; • Can be an IMT, Priority Payment or Non CBA Payment Request (i.e. payment types can be mixed in a file).
2	Each transaction is separated by a CRLF (Carriage Return and Line Feed) character. Do not insert a CRLF character at the end of the last record in a file. It will create an additional blank record which will result in a warning message: "A formatting error has occurred for 1 row/s. Please ensure the row contains 27 fields."
3	Each file can contain up to 350 transactions.
4	Each field in the transaction must end in a comma, except the last field.
5	Unused fields must be included in the file (i.e.,,). This includes fields that are not applicable to the payment type.
6	Each numeric (N) field can contain: 0123456789 Note: For amount fields a decimal point is also allowed.
7	Each alphanumeric (AN) field can contain: ABCDEFGHIJKLMNOPQRSTUVWXYZ abcdefghijklmnopqrstuvwxyz 0123456789 Space= HEX 20 Hyphen= HEX 2D Apostrophe= HEX 27 Note: The first character in an alphanumeric field must be A to Z, a to z, or O to 9.
8	Each alpha (A) field can contain: ABCDEFGHIJKLMNOPQRSTUVWXYZ a b c d e f g h i j k l m n o p q r s t u v w x y z
9	Country codes and currency codes must be upper case characters.
10	Ensure that a comma is not included within a field, e.g, "Invoices 20061234, 20061235". Ensure that the ampersand character("&") is not used at all.
11	IMT or Non CBA payment request - Intermediary Bank (fields 10-13) - if payment through an intermediary bank is required, the final payment details must contain a SWIFT BIC code in field 10. This can either be populated directly in the import file, or other detail provided in fields 10-13 to allow a manual search in CommBiz to locate the appropriate SWIFT BIC.
12	IMT or Non CBA payment request - Beneficiary Bank (fields 14-17) - generally, the most unique piece of information to identify the beneficiary bank is the SWIFT BIC code. However, some banks require the branch name to be quoted as well. The SWIFT BIC can either be populated directly in the import file, or other detail provided in fields 14-17 to allow a manual search in CommBiz to locate the correct bank.

1.3 Sample File

NONCBA,ImportNonCBA,261106,USD,112.86,,8877665544,,,,,,,CITIUS33,,,US,100660296USD115601,Shefa li,5 Modern St,,,New York,,,US,NONCBAFCA Invoice 11,BEN,,CALCUS6LXXX

1.6 Non CBA Payment Request Field Definition

No.	Field Name	Requirement	Format Validation	Sample
1	Transaction Type	Mandatory	• Must be "NONCBA" or "NonCBA".	NonCBA
2	Transaction Description	Mandatory	• Up to 12AN.	BoNY Xfer2
3	Process date	Mandatory	• Must be exactly 6N. • Must be a valid date specified in YYMMDD format. • Must equal to the import date.	261106
4	Payment Currency	Mandatory	• Must be exactly 3A upper case characters. See Currency Codes.	USD
5	Payment Amount	Mandatory	• Decimal point is optional. • 1N to 11N before decimal point. • 1N or 2N after the decimal point. • Must be> 0.	989.99
6	Debit Amount	Not applicable for a Non CBA Payment Request	•
7	Debit - Account Number	Mandatory	• Up to 34AN (space - and,, are not permitted). • Must be a Non CBA Account active on CommBiz where the import user has transaction entitlements to "Create" Non CBA Payment Requests on the account.	57-12AF12345
8	Dealer Code	Not applicable for a Non CBA Payment Request
9	Dealer Exchange Rate	Not applicable for a Non CBA Payment Request
10	Intermediary Bank - Bank Code	Optional - one or more of fields 10-12 are required for CommBiz bank search. Mandatory in final payment if the Non CBA Payment Request requires an intermediary bank.	• Up to 11AN. • For Straight- Through-Processing must be either an 8 or 11AN SWIFT BIC code (no spaces). See Locate or Verify a SWIFT BIC Code	ABNAUS33 or ABNAUS33XXX
11	Intermediary Bank - Name	Optional - one or more of fields 10-12 are required for CommBiz bank search.	• Up to 30AN. • Can be used to perform a manual search in CommBiz upon importing the file.	ABN Amro Bank
12	Intermediary Bank - City	Optional - one or more of fields 10-12 are required for CommBiz bank search.	• Up to 12AN. • Can be used to perform a manual search in CommBiz upon importing the file.	New York
13	Intermediary Institution - Country	Conditional - Mandatory if the Non CBA Payment Request requires an intermediary bank.	• Must be exactly 2A upper case characters. See Country Codes.	US
14	Beneficiary Bank - Bank Code	Conditional - one or more of fields 14-16 are required for CommBiz bank search.	• Up to 11AN. • For Straight- Through-Processing must be either an 8 or 11AN SWIFT BIC code (no spaces). See Locate or Verify a SWIFT BIC Code	CITIUS33 or CITIUS33XXX
15	Beneficiary Bank - Name	Conditional - one or more of fields 14-16 are required for CommBiz bank search.	• Up to 30AN. • Can be used to perform a manual search in CommBiz upon importing the file.	Citibank
16	Beneficiary Bank - City	Conditional - one or more of fields 14-16 are required for CommBiz bank search.	• Up to 12AN. • Can be used to perform a manual search in CommBiz upon importing the file.	New York
17	Beneficiary Bank - Country	Mandatory	• Must be exactly 2A upper case characters. See Country Codes.	US
18	Beneficiary - Account Number	Mandatory	• Up to 34AN (space - and,, are not permitted).	22331322
19	Beneficiary - Account Name	Mandatory	• Up to 62AN. • Must only contain letters, numbers or spaces. • Must contain at least 1A character and not contain only numbers or characters	ABC Limited
20	Beneficiary - Address line 1	Mandatory	• Up to 40AN. • Must only contain letters, numbers or spaces. • Physical address (No post office box address)	101 Fifth Avenue
21	Reserved For Future Use	N/A	• Must be blank - the payment will be rejected if a value is specified
22	Reserved For Future Use	N/A	• Must be blank - the payment will be rejected if a value is specified
23	Beneficiary - City	Mandatory	• Up to 19AN. • Must only contain letters, numbers or spaces.	New York
24	Beneficiary - State	Optional	• Up to 4AN. • Must only contain letters and/or numbers.	NY
25	Beneficiary - Postcode	Optional	• Up to 8AN. • Must only contain letters or numbers.	90000
26	Beneficiary - Country	Mandatory	• Must be exactly 2A upper case characters. See Country Codes.	US
27	Beneficiary Payment Details	Mandatory	• Up to 105AN.	Invoices 1223 and 3334 Sept-Oct
28	Details of Charge	Mandatory	• "BEN" - charge any bank fees to beneficiary • "OUR" - charge bank fees to ordering customer	BEN
29	Urgent Payment	Optional	• "Y" to request urgent payment, otherwise null.	Y
30	Ordering Bank - BIC	Mandatory	• Must match exactly the BIC of the Non CBA account being debited. BIC can be sourced on the CommBiz Account Information screen per Appendix E.	CALCUS6LXXX