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Free BAI2 file viewer

Read any BAI2 file, account by account.

Upload a BAI2 file to analyze its structure and contents: balances, transactions and every type code, checked against the BAI2 specification. All processing happens locally in your browser - no data is sent to any server.

  • Balances & transactions per account
  • Every type code explained
  • Control totals checked

Drag & Drop BAI2 File HereOpen a BAI2 file

Or click to browse. Accepts .bai, .bai2 and .txt — any BAI2 text file

Read locally by your browser — never uploaded

More samples:

100% in-browser.

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Parsed on your device

JavaScript on this page reads the file. Nothing is uploaded, stored or transmitted.

No account, no cost

Every tool is free to use. No sign-up, no paywall, ever.

Open about usage

Our public analytics show exactly what we count — never what your files contain.

0 bytes of your file are uploaded; the only requests are anonymous counters (a page view, a file opened). Check it yourself in your browser’s developer tools (Network tab).

Anatomy of a BAI2 file

Commas, codes and continuations, decoded.

BAI2 is comma-delimited: each line starts with a two-digit record code, commas separate the fields and a slash ends the record. Fields have numbers, not positions — the viewer names, decodes and checks every one.

sample-multi-account.baiExcerpt of the sample report40 lines · 5 accounts
  • Routing & IDs
  • Amounts
  • Dates
  • Names & text
  • Codes
  • Reserved

Lines 07–09 · one transaction

Transaction Detail, field by field

  1. 1Record code16Transaction Detail
  2. 2Type code115Lockbox Deposit, a credit
  3. 3Amount451257545,125.75 USD — two implied decimals
  4. 4Funds typeSDistributed availability: three amounts follow
  5. 5Available now250000025,000.00
  6. 6In one day150000015,000.00
  7. 7In two days or more5125755,125.75
  8. 8Bank referenceLBX204417On the first 88 line
  9. 9Customer referenceBATCH 0007Spaces are part of the value
  10. 10TextLOCKBOX 4417 DEPOSIT, 23 CHECKS …Runs to the end of the record, commas included, across both 88 lines

A short BAI2 primer

Eight record types, one nested report.

BAI2 is how banks report balances and transactions to their corporate customers, typically a final report for the previous day and interim reports during the day. Every file nests the same way.

  1. 01File HeaderWho sent the file and when, the file ID, and version 2.
  2. 02Group HeaderOne per originating bank and as-of date: status, as-of date and time, currency.
  3. 03Account IdentifierAccount number, currency, balances (status codes) and summary totals.
  4. 16Transaction DetailOne per transaction: type code, amount, availability, references, text.
  5. 88ContinuationCarries the rest of the record above it onto another line.
  6. 49Account TrailerCloses the account: control total and number of records.
  7. 98Group TrailerCloses the group: control total, accounts and records.
  8. 99File TrailerCloses the file: control total, groups and records.

  • Amounts have no decimal point

    The currency implies the decimals: 150000 is 1,500.00 in USD, 150,000 in JPY and 150.000 in KWD.

  • Type codes say what an amount is

    001–099 balances, 100–399 credits, 400–699 debits, 900–999 bank-defined.

  • Funds types add fields

    S adds three availability amounts, V a value date and time, D a list of days and amounts.

  • Trailers prove the totals

    Each 49, 98 and 99 carries a control total and record count. The viewer recomputes every one and shows the difference.

Every BAI2 code, its level (balance, summary or detail) and direction.

What it shows

From raw lines to a readable statement.

Every view shares one selection: pick a transaction in the statement and the tree, its raw line and its fields follow.

  1. No. 01

    Statement

    Balances from every status code, summary totals, and each transaction with its type, credit or debit, amount, references and full text — account by account.

  2. No. 02

    Structure

    The file as a tree: groups, accounts, transactions, trailers and the 88 lines under each record, with a field-by-field record view.

  3. No. 03

    Raw data

    Every line color-coded field by field. Hover or select a field for its number, decoded value and what the specification says.

  4. No. 04

    Validation

    Every account, group and file control total and record count recomputed, plus field formats, type codes and record order — with the line to fix.

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