CPA Standard 005 • BMO Financial Group

BMO EFT File Generator & Validator

Programmatically create and verify Canadian Electronic Funds Transfer (EFT) files for Bank of Montreal in standard 80-byte and 1464-byte record specifications.

100% Client-Side Privacy

Live Syntax & Length Validation

Supports Direct Deposits & PAD Debits

Compatible with BMO Online Banking for Business

Disclaimer

This tool is an independent utility provided by Currency Mart Inc. for convenience and is not affiliated with, endorsed by, or sponsored by Bank of Montreal (BMO) or any financial institution. It is provided “as is” without warranty of any kind, and file layouts may change without notice. Always confirm your account setup and verify generated or validated files against your financial institution's current official specification before submitting them for processing. Currency Mart Inc. is not responsible for rejected files, transmission errors, or any financial loss arising from use of this tool. All processing happens locally in your browser — no file content is transmitted to or stored on Currency Mart's servers.

EFT Generator
EFT Validator

1 Choose File Layout Specification

BMO Specs

80-Byte Record Layout Alternate Format

Fixed 80-character records: Header A, Batch X, Detail C/D (one payment per line), Batch Control Y, and Trailer Z. Use this only if your BMO contact has confirmed your setup requires 80-byte.

1464-Byte Record Layout Most Common

High-density CPA 005 layout packing up to 6 payment segments (240 bytes each) per physical record line. Most BMO configurations use this format.

2 File Header Information (Record A)

Originator ID (Assigned by BMO, 1-10 chars)

File Creation # (1-4 digits)

File Creation Date

Data Centre Code (Assigned by BMO, 5 digits)

3 Batch & Return Account Configuration

Batch Type

Credit (Deposit)

Debit (Withdrawal)

Transaction Code (3 digits)

Payment (Due/Payable) Date

Short Name (Statement descriptor, 1-15 chars)

Long Name (Full corporate legal name, 1-30 chars)

Return Bank # (BMO = 001, 3 digits)

Return Transit # (Exactly 5 digits)

Return Account # (1-12 chars)

4 Payment Details & Recipients

#	Payee / Payor Name (max 29)	Bank # (3)	Transit # (5)	Account # (max 12)	Amount ($)	Cross Ref # (max 19)

0 Payments

$0.00 Total Batch Amount

80-Byte Format

1 Select Expected Validation Format

EFT 80-Byte 80 chars / line

Verify Header A, Batch X, Detail C/D, Batch Y and Trailer Z.

EFT 1464-Byte 1464 chars / line

Verify Header A, 240-byte segmented records, and Trailer Z.

Auto-Detect Smart Scan

Automatically inspect line length to detect file format.

2 Upload or Paste EFT File Content

Drag and drop your BMO EFT file here

Accepts .txt, .eft, or .dat files • Parsed 100% locally in your browser

...or Paste Raw File Lines Here

Validation Report

Line #	Record	Status	Field Name	Diagnostic Message

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BMO EFT Technical Reference & Guidelines

Common BMO Transaction Codes (Appendix B)

450 — Payroll Direct Deposit
200 — Payroll (Alternative standard code)
310 — Accounts Payable / Supplier Payment
380 — Pre-Authorized Debit (PAD) / Bill Payment
330 — Pension / Annuity Payout

Canadian Institution ID Structure (9 Digits)

Canadian EFT standard encodes banking routing as 0 + 3-digit Institution + 5-digit Transit:

0001 — Bank of Montreal (BMO)
0002 — Scotiabank
0003 — Royal Bank of Canada (RBC)
0004 — Toronto-Dominion Bank (TD)
0010 — Canadian Imperial Bank of Commerce (CIBC)

Independent financial utility tool provided by Currency Mart Inc. Self-test: running...