DEEDS File Format
The Direct Entry Exception & Disbursement (DEEDS) file is generated in response to Direct Entry transactions submitted in an ABA file.
Related file formats: ABA · DERPS
DEEDS is a single physical file that contains two logical reports:
- Exception Report - Contains Direct Entry transactions that could not be processed, together with the reason for the exception.
- Disbursement Report - Contains Direct Entry transactions that have been successfully released for processing and settlement.
Exception Report
File Structure
The Exception Report consists of three record types:
| Record Type | Value | Description |
|---|---|---|
| Header | "0" | Contains file-level information. There is one Header record at the beginning of the report. |
| Detail | "1" | Represents a single rejected Direct Entry transaction. There can be one or more Detail records in the report. |
| Trailer | "7" | Contains the total number of rejected transactions and control totals used to verify the integrity and completeness of the report. There is one Trailer record at the end of the report. |
The records always appear in the following order:
Header (0)
↓
Detail (1)
Detail (1)
...
Detail (1)
↓
Trailer (7)Example Records
Header Record
0ENTR2 01WBC USER NAME 453890DD PAYMENT 300726 GDetail Record
1032-001 562148 130000003124EMPLOYEE 01 DD005653376 031-002 142853REMITTER NAME 00000000GTrailer Record
7999-999 000007314000000000000000073140 000021 GFile Specification
Header Record
| No | Field Name | Position | Length | Description |
|---|---|---|---|---|
| 1 | Record Type | 1 | 1 | "0" |
| 2 | File Description | 2-18 | 17 | Will contain ENTR# where # is the run cycle. |
| 3 | Reel Sequence Number | 19-20 | 2 | Must be numeric, commencing at 01. Right justified and zero filled. |
| 4 | Name of User's Financial Institution | 21-23 | 3 | Must be the approved Financial Institution abbreviation. Westpac's abbreviation is "WBC". |
| 5 | Blank | 24-30 | 7 | Blank filled. |
| 6 | Name of User Supplying File | 31-56 | 26 | Must be the User Preferred Specification advised in the application. Left justified and blank filled. Must not contain all blanks. |
| 7 | Number of User Supplying File | 57-62 | 6 | Must be the User Identification Number allocated by APCA. Numeric only, right justified, and zero filled. |
| 8 | Description | 63-74 | 12 | E.g. "PAYROLL". Must not contain all blanks. Left justified and blank filled. |
| 9 | Processing Date | 75-80 | 6 | The date on which transactions are released to all Financial Institutions, in the format DDMMYY. Must be a valid date. Numeric only, zero filled. |
| 10 | Blank | 81-120 | 40 | Blank filled. |
| 11 | Status Indicator | 121 | 1 | "G" - Accepted "R" - Rejected "C" - Cancelled |
Detail Record
| No | Field Name | Position | Length | Description |
|---|---|---|---|---|
| 1 | Record Type | 1 | 1 | "1" |
| 2 | Bank/State/Branch Number | 2-8 | 7 | Must be numeric with a hyphen in character position 5. Character positions 2 and 3 must equal a valid Financial Institution number. Character position 4 must equal a valid State number (0-9). |
| 3 | Account Number | 9-17 | 9 | Must contain a valid account number. May contain digits, hyphens, and blanks only. Leading zeros that are part of the account number must be shown, e.g. 00-1234. Westpac recommends that, except in the above example, all hyphens are removed. Where the account number exceeds nine characters, remove the hyphens. Right justified and blank filled. |
| 4 | Indicator | 18 | 1 | "N" - for a new or varied Bank (FI)/State/Branch number or name, otherwise blank filled. "T" - for a drawing under a Tape Negotiation Authority. Withholding Tax Indicators: "W" - dividend paid to a resident of a country where a double tax agreement is in force. "X" - dividend paid to a resident of any other country. "Y" - interest paid to all non-residents. The amount of withholding tax must appear in character positions 113-120. Note: Where withholding tax has been deducted, the appropriate Indicator shown above must be used and overrides the normal indicator. |
| 5 | Transaction Code | 19-20 | 2 | Must be a valid industry-standard transaction code (see Transaction Codes). Numeric only. |
| 6 | Amount | 21-30 | 10 | Numeric only. Must be greater than zero. Shown in cents without punctuation. Right justified, zero filled, and unsigned. |
| 7 | Title of Account | 31-62 | 32 | Surname followed by a period, a blank, and the given names separated by blanks (e.g. "SMITH. JOHN PAUL"). Must not contain all blanks. Left justified and blank filled. |
| 8 | Lodgement Reference | 63-80 | 18 | Reference submitted by the User indicating the origin of the entry, e.g. payroll number, invoice, or contract number. Left justified and blank filled. Must not contain all blanks. |
| 9 | Trace BSB Number | 81-87 | 7 | Bank (FI)/State/Branch of the User, to enable the entry to be traced to its source if necessary. Required format: XXX-XXX. Numeric and hyphens only. Character positions 81 & 82 must equal a valid Financial Institution number. Character position 83 must equal a valid State number (0-9). Character position 84 must be a hyphen. |
| 10 | Trace Account Number | 88-96 | 9 | Account number of the User, to enable the entry to be traced to its source if necessary. Right justified and blank filled. |
| 11 | Name of Remitter | 97-112 | 16 | Name of the originator of the entry. This may differ from the User's name. Must not contain all blanks. Left justified and blank filled. |
| 12 | Amount of Withholding Tax | 113-120 | 8 | Numeric only. Show in cents without punctuation. Right justified, zero filled, and unsigned. |
| 13 | Status Indicator | 121 | 1 | "G" - Accepted "R" - Rejected |
Trailer Record
| No | Field Name | Position | Length | Description |
|---|---|---|---|---|
| 1 | Record Type | 1 | 1 | "7" |
| 2 | BSB Format Filler | 2-8 | 7 | "999-999" |
| 3 | Blank | 9-20 | 12 | Blank filled. |
| 4 | Net Total Amount | 21-30 | 10 | Numeric only. Must equal the difference between File Credit Total and File Debit Total. Show in cents without punctuation. Right justified, zero filled, and unsigned. |
| 5 | File Credit Total | 31-40 | 10 | Numeric only. Must equal the accumulated total of the credit Detail Record amounts. Show in cents without punctuation. Right justified, zero filled, and unsigned. |
| 6 | File Debit Total | 41-50 | 10 | Numeric only. Must equal the accumulated total of the debit Detail Record amounts. Show in cents without punctuation. Right justified, zero filled, and unsigned. |
| 7 | Blank | 51-74 | 24 | Blank filled. |
| 8 | Record Count | 75-80 | 6 | Numeric only. Must equal the number of Detail records in the file. Right justified and zero filled. |
| 9 | Blank | 81-120 | 40 | Blank filled. |
| 10 | Status Indicator | 121 | 1 | "G" - Accepted |
T Record
| No | Field Name | Position | Length | Description |
|---|---|---|---|---|
| 1 | Record Type | 1 | 1 | "T". Immediately follows a Header (0), Detail (1), or Trailer (7) record and describes an error in that record. |
| 2 | Error Narrative | 2-100 | 99 | Contains description for transaction rejection (see T Record Error Messages). |
| 3 | Blank | 101-121 | 21 | Blank filled. |
Disbursement Report
File Structure
The Disbursement Report consists of two record types:
| Record Type | Value | Description |
|---|---|---|
| Header | "0" | Contains file-level information. There is one Header record at the beginning of the report. |
| Detail | "1" | Represents a single successfully processed Direct Entry transaction. There can be one or more Detail records in the report. |
The records always appear in the following order:
Header (0)
↓
Detail (1)
Detail (1)
...
Detail (1)Example Records
Header Record
0RLSE2 01WBC USER NAME 453890DD PAYMENT 300726 GDetail Record
1032-001 123456 130000004031EMPLOYEE 01 DD005653383 032-000 142853REMITTER NAME 00000000GFile Specification
Header Record
| No | Field Name | Position | Length | Description |
|---|---|---|---|---|
| 1 | Record Type | 1 | 1 | "0" |
| 2 | File Description | 2-18 | 17 | Will contain RLSE# where # is the run cycle. |
| 3 | Reel Sequence Number | 19-20 | 2 | Must be numeric, commencing at 01. Right justified and zero filled. |
| 4 | Name of User's Financial Institution | 21-23 | 3 | Must be the approved Financial Institution abbreviation. Westpac's abbreviation is "WBC". |
| 5 | Blank | 24-30 | 7 | Blank filled. |
| 6 | Name of User Supplying File | 31-56 | 26 | Must be the User Preferred Specification advised in the application. Left justified and blank filled. Must not contain all blanks. |
| 7 | Number of User Supplying File | 57-62 | 6 | Must be the User Identification Number allocated by APCA. Numeric only, right justified, and zero filled. |
| 8 | Description | 63-74 | 12 | E.g. "PAYROLL". Must not contain all blanks. Left justified and blank filled. |
| 9 | Processing Date | 75-80 | 6 | The date on which transactions are released to all Financial Institutions, in the format DDMMYY. Must be a valid date. Numeric only, zero filled. |
| 10 | Blank | 81-120 | 40 | Blank filled. |
| 11 | Status Indicator | 121 | 1 | "G" - Released "C" - Cancelled |
Detail Record
| No | Field Name | Position | Length | Description |
|---|---|---|---|---|
| 1 | Record Type | 1 | 1 | "1" |
| 2 | Bank/State/Branch Number | 2-8 | 7 | Must be numeric with a hyphen in character position 5. Character positions 2 and 3 must equal a valid Financial Institution number. Character position 4 must equal a valid State number (0-9). |
| 3 | Account Number | 9-17 | 9 | Must contain a valid account number. May contain digits, hyphens, and blanks only. Leading zeros that are part of the account number must be shown, e.g. 00-1234. Westpac recommends that, except in the above example, all hyphens are removed. Where the account number exceeds nine characters, remove the hyphens. Right justified and blank filled. |
| 4 | Indicator | 18 | 1 | "N" - for a new or varied Bank (FI)/State/Branch number or name, otherwise blank filled. "T" - for a drawing under a Tape Negotiation Authority. Withholding Tax Indicators: "W" - dividend paid to a resident of a country where a double tax agreement is in force. "X" - dividend paid to a resident of any other country. "Y" - interest paid to all non-residents. The amount of withholding tax must appear in character positions 113-120. Note: Where withholding tax has been deducted, the appropriate Indicator shown above must be used and overrides the normal indicator. |
| 5 | Transaction Code | 19-20 | 2 | Must be a valid industry-standard transaction code (see Transaction Codes). Numeric only. |
| 6 | Amount | 21-30 | 10 | Numeric only. Must be greater than zero. Shown in cents without punctuation. Right justified, zero filled, and unsigned. |
| 7 | Title of Account | 31-62 | 32 | Surname followed by a period, a blank, and the given names separated by blanks (e.g. "SMITH. JOHN PAUL"). Must not contain all blanks. Left justified and blank filled. |
| 8 | Lodgement Reference | 63-80 | 18 | Reference submitted by the User indicating the origin of the entry, e.g. payroll number, invoice, or contract number. Left justified and blank filled. Must not contain all blanks. |
| 9 | Trace BSB Number | 81-87 | 7 | Bank (FI)/State/Branch of the User, to enable the entry to be traced to its source if necessary. Required format: XXX-XXX. Numeric and hyphens only. Character positions 81 & 82 must equal a valid Financial Institution number. Character position 83 must equal a valid State number (0-9). Character position 84 must be a hyphen. |
| 10 | Trace Account Number | 88-96 | 9 | Account number of the User, to enable the entry to be traced to its source if necessary. Right justified and blank filled. |
| 11 | Name of Remitter | 97-112 | 16 | Name of the originator of the entry. This may differ from the User's name. Must not contain all blanks. Left justified and blank filled. |
| 12 | Amount of Withholding Tax | 113-120 | 8 | Numeric only. Show in cents without punctuation. Right justified, zero filled, and unsigned. |
| 13 | Status Indicator | 121 | 1 | "G" - Released "C" - Cancelled "D" - Recall "R" - Rejected |
Transaction Codes
| Trancode | Type | Description |
|---|---|---|
| 13 | Debit | PAYMENT BY AUTHORITY TO |
| 50 | Credit | DEPOSIT |
| 51 | Credit | DEPOSIT INTEREST FROM GOV'T INVESTMENT |
| 52 | Credit | DEPOSIT-FAMILY ALLOWANCE |
| 53 | Credit | DEPOSIT-SALARY |
| 54 | Credit | DEPOSIT-PENSION |
| 55 | Credit | DEPOSIT DEFENSE SERVICE ALLOWANCE |
| 56 | Credit | DEPOSIT DIVIDEND |
| 57 | Credit | DEPOSIT-DEBENTURE/NOTE INTEREST |
T Record Error Messages
Record Type "0" (Header)
| Field Description | Error Messages Generated |
|---|---|
| Reel Sequence Number | *** REEL SEQN NO. INVALID. AMEND TO '01' - PLEASE AMEND PRIOR TO NEXT FILE SUBMITTED FOR PROCESSING *** |
| Name of User's Financial Institution | *** NAME OF USER'S BANK DOES NOT MATCH CUSTOMER FILE. INPUT VALUE IS ____ *** |
| Name of User Supplying File | *** NAME OF USER SUPPLYING FILE WAS NOT SUPPLIED *** |
| *** NAME OF USER SUPPLYING FILE IS NOT LEFT JUSTIFIED *** | |
| *** SERVICE DETAILS NOT SET UP - PLEASE CONTACT DIRECT ENTRY ON 1300 360 406 (OPTION 3). *** | |
| *** UPS NAME NOT MATCHED. PLEASE CONTACT DIRECT ENTRY ON 1300 360 406 (OPTION 3). *** | |
| Number of User Supplying File | *** ABA ID NUMBER OF SUPPLYING USER IS ZERO OR NOT NUMERIC. INPUT VALUE IS ____ *** |
| *** NAME OF USER SUPPLYING FILE WAS NOT SUPPLIED *** | |
| *** CUSTOMER IS NOT SET UP IN WESTPAC DATABASE *** | |
| Description | *** DESCRIPTION OF ENTRIES NOT SUPPLIED. PLEASE AMEND PRIOR TO NEXT FILE SUBMITTED FOR PROCESSING *** |
| *** DESCRIPTION OF FILE ENTRIES IS NOT LEFT JUSTIFIED. PLEASE AMEND *** | |
| Processing Date | *** RELEASE DATE IS ZERO OR SPACE *** |
| *** RELEASE DATE IS NOT NUMERIC. INPUT VALUE IS ____ *** | |
| *** INVALID DATE. FORMAT MUST BE DDMMYY. INPUT VALUE IS ____ *** | |
| *** DATE DOES NOT EXIST IN THE WESTPAC DATE DATABASE. *** | |
| *** RELEASE DATE OUT OF ACCEPTABLE RANGE *** | |
| *** RELEASE DATE IS A WEEKEND OR A PUBLIC HOLIDAY *** | |
| *** RELEASE DATE PRIOR TO PROCESSING DATE ENCOUNTERED. PLEASE AMEND TO CORRECT PROCESSING DATE *** | |
| *** FUTURE DATED BILAT FILE *** |
Record Type "1" (Detail)
| Field Description | Error Messages Generated |
|---|---|
| Bank/State/Branch Number | *** DESTINATION BSB NUMBER IS NOT NUMERIC OR INVALID BSB FORMAT *** |
| *** INVALID DESTINATION BSB FORMAT. MUST BE xxx-xxx *** | |
| *** INVALID BSB *** | |
| *** DESTINATION BSB NUMBER CONTAINS INVALID STATE INDICATOR *** | |
| *** DESTINATION BSB NUMBER CONTAINS BANK NUMBER THAT DOES NOT EXIST *** | |
| Account Number | *** LEDGER ACCOUNT NUMBER NOT PRESENT OR ZERO *** |
| *** LEDGER ACCOUNT NUMBER NOT NUMERIC. INPUT VALUE IS ... *** | |
| *** LEDGER ACCOUNT NUMBER IS NOT RIGHT JUSTIFIED *** | |
| *** WESTPAC LEDGER ACCOUNT NUMBER CANNOT HAVE MORE THAN 6 DIGITS *** | |
| *** LEDGER ACCOUNT NUMBER NOT VALID. INPUT VALUE IS 999999 *** | |
| *** LEDGER ACCOUNT NUMBER NOT VALID FOR GIVEN BSB NUMBER *** | |
| Indicator | *** INDICATOR INVALID *** |
| *** RETURNS/REFUSALS CODE INVALID *** | |
| Transaction Code | *** INVALID TRANCODE FOR BILATERAL FILES *** |
| *** INVALID DIRECT ENTRY TRANSACTION CODE. INPUT VALUE IS ... *** | |
| *** TRANSACTION CODE IS NOT DEFINED IN WESTPAC TRANSACTION CODE TABLE *** | |
| *** TRANSACTION CODE IS NOT ALLOWED FOR THIS CUSTOMER SERVICE *** | |
| *** INVALID TRANSACTION CODE FOR CREDIT CARD PROCESSING *** | |
| Amount | *** AMOUNT OF TRANSACTION IS NOT NUMERIC. INPUT VALUE IS ... *** |
| *** AMOUNT OF TRANSACTION IS LESS THAN OR EQUAL ZERO. INPUT VALUE IS ... *** | |
| Title of Account | *** TITLE OF ACCOUNT WAS NOT SUPPLIED *** |
| Credit Card Account | *** CARDHOLDER NUMBER IS NOT LEFT JUSTIFIED *** |
| *** INVALID CARDHOLDER NUMBER LENGTH FOR CARD TYPE *** | |
| *** CARDHOLDER NUMBER CHECK DIGIT ERROR *** | |
| *** INVALID CARDHOLDER NUMBER *** | |
| Lodgement Reference | *** LAST 7 DIGITS OF LODGEMENT REFERENCE NOT NUMERIC *** |
| *** SERIAL NUMBER NOT NUMERIC *** | |
| *** LAST 7 DIGITS OF LODGEMENT REFERENCE NOT NUMERIC FOR GIVEN TRANSACTION CODE *** | |
| *** LAST 6 DIGITS OF LODGEMENT NOT NUMERIC FOR GIVEN TRANSACTION CODE *** | |
| Trace BSB Number | *** INVALID TRACE BSB FORMAT. MUST BE xxx-xxx *** |
| *** TRACE BSB NUMBER CONTAINS INVALID STATE INDICATOR *** | |
| *** TRACE BSB NUMBER CONTAINS BANK NO. THAT IS NOT A VALID EXCHANGE BANK *** | |
| *** TRACE BSB NUMBER INCORRECT *** | |
| *** TRACE BSB NUMBER CONTAINS BRANCH NUMBER THAT DOES NOT EXIST *** | |
| Trace Account Number | *** TRACE ACCOUNT NUMBER NOT PRESENT OR ZERO *** |
| *** TRACE ACCOUNT NUMBER NOT NUMERIC *** | |
| *** WESTPAC TRACE ACCOUNT NUMBER CANNOT HAVE MORE THAN 6 DIGITS *** | |
| *** TRACE ACCOUNT NUMBER NOT VALID, INPUT VALUE IS 999999 *** | |
| *** TRACE ACCOUNT NUMBER NOT VALID FOR GIVEN BSB NUMBER *** | |
| Name of Remitter | *** NAME OF REMITTER WAS NOT SUPPLIED *** |
| Amount of Withholding Tax | *** WITHHOLDING TAX AMOUNT IS NOT ZERO FILLED *** |
| *** WITHHOLDING TAX AMOUNT CONTAINS NON NUMERIC CHARACTERS, INPUT VALUE IS ... *** | |
| *** WITHHOLDING TAX AMOUNT NOT ZERO FILLED. PLEASE AMEND PRIOR TO NEXT FILE SUBMITTED FOR PROCESSING *** | |
| *** WITHHOLDING TAX AMOUNT INVALID FOR GIVEN INDICATOR. INPUT VALUE IS ... *** | |
| *** WITHHOLDING TAX AMOUNT IS NOT NUMERIC. INPUT VALUE IS ... *** |
Record Type "7" (Trailer)
| Field Description | Error Messages Generated |
|---|---|
| BSB Format Filler | *** BSB IN FILE TOTAL RECORD NOT 999-999. PLEASE AMEND PRIOR TO NEXT FILE SUBMITTED FOR PROCESSING *** |
| Net Total Amount | *** FILE NET TOTAL AMOUNT IS LESS THAN ZERO OR NOT NUMERIC. INPUT VALUE IS ... *** |
| *** FILE NET TOTAL AMOUNT NOT RIGHT JUSTIFIED *** | |
| *** FILE NET TOTAL AMOUNT NOT ZERO FILLED *** | |
| *** NET TOTAL OF TRANSACTION AMOUNT ON FILE NOT EQUAL TO TOTAL AMOUNT IN FILE TOTAL RECORD *** | |
| File Credit Total | *** FILE CREDIT TOTAL AMOUNT IS LESS THAN ZERO OR NOT NUMERIC. INPUT VALUE IS ... *** |
| *** FILE CREDIT TOTAL AMOUNT NOT RIGHT JUSTIFIED *** | |
| *** FILE CREDIT TOTAL NOT ZERO FILLED *** | |
| *** TOTAL OF CREDIT AMOUNT ON FILE NOT EQUAL TO AMOUNT ON FILE TOTAL RECORD *** | |
| File Debit Total | *** FILE DEBIT TOTAL AMOUNT IS LESS THAN ZERO OR NOT NUMERIC. INPUT VALUE IS ... *** |
| *** FILE DEBIT TOTAL AMOUNT NOT RIGHT JUSTIFIED *** | |
| *** FILE DEBIT TOTAL NOT ZERO FILLED *** | |
| *** TOTAL OF DEBIT AMOUNT ON FILE NOT EQUAL TO AMOUNT ON FILE TOTAL RECORD *** | |
| Record Count | *** COUNT OF TYPE 1 (DETAIL) RECORD IS NOT NUMERIC *** |
| *** COUNT OF TYPE 1 RECORDS NOT RIGHT JUSTIFIED *** | |
| *** COUNT OF TYPE 1 RECORDS NOT ZERO FILLED *** | |
| *** TOTAL OF RECORDS ON FILE NOT EQUAL TO RECORDS ON FILE TOTAL RECORD *** |