Coutts upload guide

1. What is uploading?

Coutts Online allows your business to manage all of your payments and transfers in a file.

This means that rather than having to key each payment or transfer individually you are able to upload files such as salaries or supplier payments, direct from your existing accounting software by exporting a .txt or .csv file. All files need to follow a set format which is outlined in this guide.

2. How do I upload a payment file?

The first step is to export your file from your accounting software and save the file to your PC/Mac. If the file is in the Coutts Online format you can then upload it by logging into Coutts Online and follow these simple steps.

Select the Payments and Transfers
Select Upload Payments and Transfers
Click Upload
Click on Choose file
Locate your .csv or .txt payment file and select Open
Select Next
Click Confirm to complete your upload.

3. What file types are compatible with Coutts online?

Coutts Online is compatible with two different file types when uploading:

TXT Files - these files are predominantly the output file given from accounting software packages. If your accounting package does not have a file that is already formatted to Coutts Online you can provide your support team with the example file below to help them create a payment or transfer file that can then be exported direct from your accounting software.

CSV (Comma-separated Values) Files - If you are not using an accounting software package and will be creating files manually using software such as Excel, the compatible file that you will need to use will be a CSV file. In order to help you create a compatible CSV file for Coutts Online there is a template file that has been provided under the Can I Download An Example Payment File? section of this guide.

If you already have the XML template file please click here to find out how to convert this into a compatable file type for Coutts Online.

4. What types of payment files can I upload?

Here is a list of the different types of payment files that you can upload:

Faster Payments
CHAPS
International payments, including SEPA payments
Collated payments - Saved Payee (This is a bulk payment file that only uses exisiting Coutts Online saved payees)
Collated payments - Ad-Hoc (This is a bulk payment file that only uses the payee information held in the uploaded file, this does not reference any Coutts Online saved payees)

5. How do I export a payment file from my accounting software?

Please refer to your accounting package support team for assistance in how to export files from your system and file format compatability with Coutts Online.

Examples of the payment and transfer file formats are available in Step 9 of this guide

6. What are the formatting requirements for a payment or transfer file?

Faster payments

Cell	Description	Example Value	Mandatory Y /N	Cell Format
A1	-	-	-	-
B1	-	-	-	-
C1	-	-	-	-
D1	Record Type 01= Faster Payment	01	M	Max 2 numeric characters
E1	-	-	-	-
F1	-	-	-	-
G1	-	-	-	-
H1	-	-	-	-
I1	-	-	-	-
J1	-	-	-	-
K1	-	-	-	-
L1	-	-	-	-
M1	Debiting Account Information (No spaces or dashes)	18000212345678	M	Max 14 numeric characters [SortcodeAccountNo]
N1	-	-	-	-
O1	-	-	-	-
P1	-	-	-	-
Q1	Payment Amount	10.00	M	Max 11 numeric characters Inc. decimals
R1	-	-	-	-
S1	Payment Date 24122016 = 24th Dec 2016	24122016	M	Max 8 numeric characters [DDMMYYYY]
T1	-	-	-	-
U1	-	-	-	-
V1	-	-	-	-
W1	-	-	-	-
X1	-	-	-	-
Y1	Payee Sort Code	090000	M	Max 6 numeric characters
Z1	-	-	-	-
AA1	-	-	-	-
AB1	-	-	-	-
AC1	-	-	-	-
AD1	-	-	-	-
AE1	Payee Account Number	12345678	M	Max 8 numeric characters
AF1	-	-	-	-
AG1	Payee Name	Mr Smith	M	Max 18 alphanumeric characters
AH1	-	-	-	-
AI1	-	-	-	-
AJ1	-	-	-	-
AK1	Payee Reference	December Salary	0	Max 18 alphanumeric characters
AL1	-	-	-	-
AM1	-	-	-	-
AN1	-	-	-	-

CHAPS

Cell	Description	Example Value	Mandatory Y /N	Cell Format
A1	-	-	-	-
B1	-	-	-	-
C1	-	-	-	-
D1	Record Type 01= Faster Payment	01	M	Max 2 numeric characters
E1	-	-	-	-
F1	-	-	-	-
G1	-	-	-	-
H1	-	-	-	-
I1	-	-	-	-
J1	-	-	-	-
K1	-	-	-	-
L1	-	-	-	-
M1	Debiting Account Information (No spaces or dashes)	18000212345678	M	Max 14 numeric characters [SortcodeAccountNo]
N1	-	-	-	-
O1	-	-	-	-
P1	-	-	-	-
Q1	Payment Amount	10.00	M	Max 11 numeric characters Inc. decimals
R1	-	-	-	-
S1	Payment Date 24122016 = 24th Dec 2016	24122016	M	Max 8 numeric characters [DDMMYYYY]
T1	-	-	-	-
U1	-	-	-	-
V1	-	-	-	-
W1	-	-	-	-
X1	-	-	-	-
Y1	Payee Sort Code	090000	M	Max 6 numeric characters
Z1	-	-	-	-
AA1	-	-	-	-
AB1	-	-	-	-
AC1	-	-	-	-
AD1	-	-	-	-
AE1	Payee Account Number	12345678	M	Max 8 numeric characters
AF1	-	-	-	-
AG1	Payee Name	Mr Smith	M	Max 18 alphanumeric characters
AH1	-	-	-	-
AI1	-	-	-	-
AJ1	-	-	-	-
AK1	Payee Reference	December Salary	0	Max 18 alphanumeric characters
AL1	-	-	-	-
AM1	-	-	-	-
AN1	-	-	-	-

International payments

Cell	Description	Example Value	Mandatory Y /N	Cell Format
A1	-	-	-	-
B1	-	-	-	-
C1	-	-	-	-
D1	Record Type 01= Faster Payment	01	M	Max 2 numeric characters
E1	-	-	-	-
F1	-	-	-	-
G1	-	-	-	-
H1	-	-	-	-
I1	-	-	-	-
J1	-	-	-	-
K1	-	-	-	-
L1	-	-	-	-
M1	Debiting Account Information (No spaces or dashes)	18000212345678	M	Max 14 numeric characters [SortcodeAccountNo]
N1	-	-	-	-
O1	-	-	-	-
P1	-	-	-	-
Q1	Payment Amount	10.00	M	Max 11 numeric characters Inc. decimals
R1	-	-	-	-
S1	Payment Date 24122016 = 24th Dec 2016	24122016	M	Max 8 numeric characters [DDMMYYYY]
T1	-	-	-	-
U1	-	-	-	-
V1	-	-	-	-
W1	-	-	-	-
X1	-	-	-	-
Y1	Payee Sort Code	090000	M	Max 6 numeric characters
Z1	-	-	-	-
AA1	-	-	-	-
AB1	-	-	-	-
AC1	-	-	-	-
AD1	-	-	-	-
AE1	Payee Account Number	12345678	M	Max 8 numeric characters
AF1	-	-	-	-
AG1	Payee Name	Mr Smith	M	Max 18 alphanumeric characters
AH1	-	-	-	-
AI1	-	-	-	-
AJ1	-	-	-	-
AK1	Payee Reference	December Salary	0	Max 18 alphanumeric characters
AL1	-	-	-	-
AM1	-	-	-	-
AN1	-	-	-	-

Collated payments - saved payee

Debiting Details

Cell	Description	Example Value	Mandatory Y /N	Cell Format
A1	-	-	-	-
B1	-	-	-	-
C1	-	-	-	-
D1	Record Type 01= Faster Payment	01	M	Max 2 numeric characters
E1	-	-	-	-
F1	-	-	-	-
G1	-	-	-	-
H1	-	-	-	-
I1	-	-	-	-
J1	-	-	-	-
K1	-	-	-	-
L1	-	-	-	-
M1	Debiting Account Information (No spaces or dashes)	18000212345678	M	Max 14 numeric characters [SortcodeAccountNo]
N1	-	-	-	-
O1	-	-	-	-
P1	-	-	-	-
Q1	Payment Amount	10.00	M	Max 11 numeric characters Inc. decimals
R1	-	-	-	-
S1	Payment Date 24122016 = 24th Dec 2016	24122016	M	Max 8 numeric characters [DDMMYYYY]
T1	-	-	-	-
U1	-	-	-	-
V1	-	-	-	-
W1	-	-	-	-
X1	-	-	-	-
Y1	Payee Sort Code	090000	M	Max 6 numeric characters
Z1	-	-	-	-
AA1	-	-	-	-
AB1	-	-	-	-
AC1	-	-	-	-
AD1	-	-	-	-
AE1	Payee Account Number	12345678	M	Max 8 numeric characters
AF1	-	-	-	-
AG1	Payee Name	Mr Smith	M	Max 18 alphanumeric characters
AH1	-	-	-	-
AI1	-	-	-	-
AJ1	-	-	-	-
AK1	Payee Reference	December Salary	0	Max 18 alphanumeric characters
AL1	-	-	-	-
AM1	-	-	-	-
AN1	-	-	-	-

Crediting Details

Cell	Description	Example Value	Mandatory Y /N	Cell Format
A1	-	-	-	-
B1	-	-	-	-
C1	-	-	-	-
D1	Record Type 01= Faster Payment	01	M	Max 2 numeric characters
E1	-	-	-	-
F1	-	-	-	-
G1	-	-	-	-
H1	-	-	-	-
I1	-	-	-	-
J1	-	-	-	-
K1	-	-	-	-
L1	-	-	-	-
M1	Debiting Account Information (No spaces or dashes)	18000212345678	M	Max 14 numeric characters [SortcodeAccountNo]
N1	-	-	-	-
O1	-	-	-	-
P1	-	-	-	-
Q1	Payment Amount	10.00	M	Max 11 numeric characters Inc. decimals
R1	-	-	-	-
S1	Payment Date 24122016 = 24th Dec 2016	24122016	M	Max 8 numeric characters [DDMMYYYY]
T1	-	-	-	-
U1	-	-	-	-
V1	-	-	-	-
W1	-	-	-	-
X1	-	-	-	-
Y1	Payee Sort Code	090000	M	Max 6 numeric characters
Z1	-	-	-	-
AA1	-	-	-	-
AB1	-	-	-	-
AC1	-	-	-	-
AD1	-	-	-	-
AE1	Payee Account Number	12345678	M	Max 8 numeric characters
AF1	-	-	-	-
AG1	Payee Name	Mr Smith	M	Max 18 alphanumeric characters
AH1	-	-	-	-
AI1	-	-	-	-
AJ1	-	-	-	-
AK1	Payee Reference	December Salary	0	Max 18 alphanumeric characters
AL1	-	-	-	-
AM1	-	-	-	-
AN1	-	-	-	-

Collated payments - ad-hoc

Debiting Details

Cell	Description	Example Value	Mandatory Y /N	Cell Format
A1	-	-	-	-
B1	-	-	-	-
C1	-	-	-	-
D1	Record Type 01= Faster Payment	01	M	Max 2 numeric characters
E1	-	-	-	-
F1	-	-	-	-
G1	-	-	-	-
H1	-	-	-	-
I1	-	-	-	-
J1	-	-	-	-
K1	-	-	-	-
L1	-	-	-	-
M1	Debiting Account Information (No spaces or dashes)	18000212345678	M	Max 14 numeric characters [SortcodeAccountNo]
N1	-	-	-	-
O1	-	-	-	-
P1	-	-	-	-
Q1	Payment Amount	10.00	M	Max 11 numeric characters Inc. decimals
R1	-	-	-	-
S1	Payment Date 24122016 = 24th Dec 2016	24122016	M	Max 8 numeric characters [DDMMYYYY]
T1	-	-	-	-
U1	-	-	-	-
V1	-	-	-	-
W1	-	-	-	-
X1	-	-	-	-
Y1	Payee Sort Code	090000	M	Max 6 numeric characters
Z1	-	-	-	-
AA1	-	-	-	-
AB1	-	-	-	-
AC1	-	-	-	-
AD1	-	-	-	-
AE1	Payee Account Number	12345678	M	Max 8 numeric characters
AF1	-	-	-	-
AG1	Payee Name	Mr Smith	M	Max 18 alphanumeric characters
AH1	-	-	-	-
AI1	-	-	-	-
AJ1	-	-	-	-
AK1	Payee Reference	December Salary	0	Max 18 alphanumeric characters
AL1	-	-	-	-
AM1	-	-	-	-
AN1	-	-	-	-

Crediting Details

Cell	Description	Example Value	Mandatory Y /N	Cell Format
A1	-	-	-	-
B1	-	-	-	-
C1	-	-	-	-
D1	Record Type 01= Faster Payment	01	M	Max 2 numeric characters
E1	-	-	-	-
F1	-	-	-	-
G1	-	-	-	-
H1	-	-	-	-
I1	-	-	-	-
J1	-	-	-	-
K1	-	-	-	-
L1	-	-	-	-
M1	Debiting Account Information (No spaces or dashes)	18000212345678	M	Max 14 numeric characters [SortcodeAccountNo]
N1	-	-	-	-
O1	-	-	-	-
P1	-	-	-	-
Q1	Payment Amount	10.00	M	Max 11 numeric characters Inc. decimals
R1	-	-	-	-
S1	Payment Date 24122016 = 24th Dec 2016	24122016	M	Max 8 numeric characters [DDMMYYYY]
T1	-	-	-	-
U1	-	-	-	-
V1	-	-	-	-
W1	-	-	-	-
X1	-	-	-	-
Y1	Payee Sort Code	090000	M	Max 6 numeric characters
Z1	-	-	-	-
AA1	-	-	-	-
AB1	-	-	-	-
AC1	-	-	-	-
AD1	-	-	-	-
AE1	Payee Account Number	12345678	M	Max 8 numeric characters
AF1	-	-	-	-
AG1	Payee Name	Mr Smith	M	Max 18 alphanumeric characters
AH1	-	-	-	-
AI1	-	-	-	-
AJ1	-	-	-	-
AK1	Payee Reference	December Salary	0	Max 18 alphanumeric characters
AL1	-	-	-	-
AM1	-	-	-	-
AN1	-	-	-	-

Transfers

Cell	Description	Example Value	Mandatory Y /N	Cell Format
A1	-	-	-	-
B1	-	-	-	-
C1	-	-	-	-
D1	Record Type 01= Faster Payment	01	M	Max 2 numeric characters
E1	-	-	-	-
F1	-	-	-	-
G1	-	-	-	-
H1	-	-	-	-
I1	-	-	-	-
J1	-	-	-	-
K1	-	-	-	-
L1	-	-	-	-
M1	Debiting Account Information (No spaces or dashes)	18000212345678	M	Max 14 numeric characters [SortcodeAccountNo]
N1	-	-	-	-
O1	-	-	-	-
P1	-	-	-	-
Q1	Payment Amount	10.00	M	Max 11 numeric characters Inc. decimals
R1	-	-	-	-
S1	Payment Date 24122016 = 24th Dec 2016	24122016	M	Max 8 numeric characters [DDMMYYYY]
T1	-	-	-	-
U1	-	-	-	-
V1	-	-	-	-
W1	-	-	-	-
X1	-	-	-	-
Y1	Payee Sort Code	090000	M	Max 6 numeric characters
Z1	-	-	-	-
AA1	-	-	-	-
AB1	-	-	-	-
AC1	-	-	-	-
AD1	-	-	-	-
AE1	Payee Account Number	12345678	M	Max 8 numeric characters
AF1	-	-	-	-
AG1	Payee Name	Mr Smith	M	Max 18 alphanumeric characters
AH1	-	-	-	-
AI1	-	-	-	-
AJ1	-	-	-	-
AK1	Payee Reference	December Salary	0	Max 18 alphanumeric characters
AL1	-	-	-	-
AM1	-	-	-	-
AN1	-	-	-	-

7. How will an uploaded payment or transfer show on my statement?

The uploaded payment descriptions show differently on a bank statement depending on the type of payment, see below for full details:

Individual Faster Payments – Individual debits
Chaps Payments – Individual debits
International Payments – Individual debits
Ad-Hoc Payment Lists – Single collated debit i.e. the total of all the payments contained in the list
Saved Payee Payment Lists – Single collated debit i.e. the total of all the payments contained in the list

8. What user permissions do I need to upload a file?

In order to upload a payment file into Coutts Online a user must have the payment entry permission or to upload a transfer file, they must have the account transfer entry permission.If you are a user and you do not have the Upload Payments and Transfers option under the Payments and Transfers tab please contact your Coutts Online administrator.

If you are an administrator and would like assistance with how to change a users permissions please contact the Coutts Digital Helpdesk on +44 (0) 20 7770 0000 or refer to the Administration Guide

9. Can I download an example payment or transfer file?

.TXT files can be uploaded in to Coutts Online. If your accounting software does not already have a Coutts Online format available, you can provide your software support team with the example file below to help them create a payment file that can be exported direct from your accounting software.

If you are not using an accounting package and will be creating payment files manually using software like Excel, the compatible file that you will need to create will be a .CSV file. The template below will help you format a Coutts Online compatible payment file.

Once you have completed the XML template file click here to learn how to convert this into a .CSV file that will then be compatible with Coutts Online.