US NACHA (94-Byte) → Canadian CPA 005 (1464-Byte)

Free ACH & NACHA to CPA 005 File Converter

Bridge the gap between US ACH and Canadian banking. Convert US NACHA files (.ach) and cross-border payroll spreadsheets into compliant Payments Canada Standard 005 (1464-byte) AFT direct deposit files for RBC, TD, BMO, CIBC, and Scotiabank.

100% Client-Side Browser Privacy
Parses NACHA Records 1, 5, 6, 7, 8, 9
Supports US ABA to Canadian Transit Mapping
Automatic Record Z Control Balances
Cross-Border Banking & Security Notice

This utility is provided by Currency Mart Inc. to assist businesses managing cross-border US-Canada disbursements. All NACHA file parsing, currency conversion, and CPA Standard 005 generation runs 100% locally in your web browser — zero bank account details or employee records are ever sent to our servers. Always test generated files in your Canadian bank's sandbox/test environment prior to live transmission.

Live Validation Guide: Red inputs indicate missing or invalid formatting (e.g. 5-digit transit). When correct data is entered, the input automatically turns Green.
1 Import US NACHA File (.ach) or ACH Spreadsheet
Drag & Drop your NACHA file (.ach, .txt) or Excel/CSV here

Accepts standard 94-character US NACHA files or spreadsheets with recipient details

2 Canadian Bank & CPA 005 Header Settings
RBC Royal Bank
Bank 003
TD Bank
Bank 004
BMO
Bank 001
Scotiabank
Bank 002
CIBC
Bank 010
National Bank
Bank 006
3 Converted Canadian Recipient Records (6 Segments / Line)
Total Transactions 0
Total Batch Amount $0.00
Target Format CPA 005 (1464-Byte)
Validation Status Awaiting NACHA Data
# Payee Name (max 30) Bank # (3) Transit # (5) Account # (12) Amount ($) Cross-Ref / ID (19)
CPA 005 File Generated from NACHA Batch
Standard 005 Width: 1,464 characters/line (Payments Canada)
Cross-Border File Inspector (NACHA 94-Byte & CPA 005 1464-Byte)

Paste your file content below. Our inspector automatically detects whether it is a **US NACHA (94-character)** file or a **Canadian CPA 005 (1,464-character)** file and validates record types, hash balances, and segment alignment.

Record Inspection Breakdown
Line Record Type Status Diagnostics & Field Analysis

Navigating US ACH vs. Canadian CPA 005 Formats

US companies paying Canadian contractors, remote employees, or suppliers frequently encounter payment rejections when sending US NACHA format files to Canadian banks. While both systems facilitate automated direct clearing, their file architectures, character widths, and routing schemas are fundamentally different:

Feature US ACH (NACHA Standard) Canadian AFT (Payments Canada Standard 005)
Record Length Fixed 94 characters per line Fixed 1,464 characters per line
Packing Structure 1 transaction per line (Record Type 6 Entry Detail) Up to 6 transactions (segments) packed into each line
Bank Routing Format 9-digit ABA routing transit number (8 digits + 1 check digit) 9-digit DPRN: 0 + 3-digit Institution + 5-digit Transit
Date Format Standard calendar YYMMDD Julian Date 0YYDDD (e.g. 026270)
Record Identifiers Numbers: 1 (Header), 5 (Batch), 6 (Detail), 8, 9 Letters: A (Header), C (Credits), D (Debits), Z (Trailer)

How Canadian Bank Routing Translates

Unlike the US Federal Reserve's 9-digit ABA system, Canadian financial institutions use an 8-digit routing identifier consisting of a 5-digit Branch Transit Number and a 3-digit Financial Institution Number.

For example, an employee with a TD Canada Trust account at Branch 12345 has:

  • Bank Institution Code: 004 (TD Canada Trust)
  • Branch Transit Number: 12345
  • Payments Canada Standard 005 Routing: 000412345 (Constant 0 + Bank 004 + Transit 12345)

Frequently Asked Questions (FAQ)

Generally, no. Canadian commercial banking portals (such as RBC Express, TD WebBusiness, BMO Online Banking for Business, or ScotiaConnect) require files formatted strictly to Payments Canada Standard 005 (1464-byte records). Uploading a 94-character US NACHA file will result in an immediate parsing error. This tool converts your NACHA batch into the required 1464-byte Standard 005 format.
In NACHA files, transaction codes 22 (checking credit) and 32 (savings credit) represent deposits. Our converter automatically maps these to CPA Record Type C (Credit) with commercial transaction code 450 or payroll code 200. NACHA debit codes 27 and 37 map to CPA Record Type D (Pre-Authorized Debit).
Canadian banking clearing requires valid Canadian 3-digit institution codes and 5-digit transit numbers. When our parser processes your NACHA file, you can review and edit every recipient's Bank # and Transit # directly in the interactive table before generating the final file.
Working with spreadsheets instead? Use our Free CSV / Excel to CPA 005 Converter or bank-specific generators for RBC, TD, and BMO.