BAI2 File Generator

Why Generate BAI2 Test Files?

Building or maintaining a bank reconciliation system requires realistic test data, but banks rarely provide sample files and production statements contain sensitive account information. This tool lets you generate well-formed BAI2 files with configurable file headers, group records, account summaries, and transaction details — complete with auto-calculated control totals that balance correctly across every level. Use it to test parsers, validate import routines, and exercise edge cases like multiple accounts per group, continuation records, and unusual type codes without touching production data.

BAI2 Record Structure

A BAI2 file follows a strict hierarchy: the File Header (01) identifies the sender and receiver, Group Headers (02) represent the originating bank, Account Headers (03) carry account numbers and summary balances, Transaction Detail records (16) list individual credits and debits with three-digit type codes, and corresponding Trailer records (49, 98, 99) carry control totals. Every amount is in the smallest currency unit (cents for USD), and type codes like 115 (lockbox deposit), 175 (ACH credit), or 451 (ACH debit) describe the nature of each transaction. Getting the control totals right is critical — most parsers reject files where trailers do not balance.

Building BAI2 Integration Pipelines

Test files are the starting point, but production BAI2 processing involves ingesting files from bank SFTP servers, parsing and normalizing transactions, matching against ERP records, and posting reconciliation results — often across multiple banks with slightly different formatting conventions. I build end-to-end BAI2 integration pipelines that handle multi-bank ingestion, automated reconciliation, exception workflows, and reporting. Learn about integration services, explore ETL and data pipeline development, or get in touch to discuss your bank reconciliation needs.