CODA Viewer & Converter

Read a CODA file without uploading it

Drop a CODA file (.cod or .txt) from your bank onto the page. The text file of 128-character records is decoded into a readable table of transactions, balances and structured communications, and checked for consistency. The file is parsed in your browser and never leaves your device. Export the result as CSV or JSON for a spreadsheet or your own scripts.

What CODA is

CODA (coded statement of account) is the Belgian bank statement format defined by Febelfin, the Belgian banking federation. It is a plain text file made of records of exactly 128 characters, imported by accounting software to book payments automatically. Each statement has a fixed structure:

• Record 0 – header
• Record 1 – old (opening) balance
• Records 2.1 to 2.3 – movements, with counterparty details
• Records 3.x – extra information
• Record 4 – free messages
• Record 8 – new (closing) balance
• Record 9 – trailer with totals

What the viewer checks for you

• Debit and credit totals and the record count against the trailer. This catches truncated or edited files.
• That the opening balance plus all movements equals the closing balance.
• Structured communications (types 101 and 102) and their check digits. To generate matching references for invoices use the OGM generator.
• Counterparty IBAN, BIC and name from records 2.2 and 2.3.
• Transaction codes decoded to their family, such as SEPA credit transfer, direct debit, card payment or bank fees.

Export, compare and anonymise

The CSV and JSON exports use the same columns as the CAMT viewer, so you can process CODA and CAMT (ISO 20022 XML) statements with the same code. When your bank moves you to CAMT, compare the two formats of the same day in the statement comparison tool to prove nothing is lost, and read our guide CODA versus CAMT in Belgium.

Anonymise replaces names, accounts and messages with fictional but valid values while keeping amounts and dates. It is meant for sharing a test file with a software vendor without exposing customer data.

If a file is rejected

• A total or record-count mismatch against the trailer usually means the file was cut off or edited, for example by an email program or a text editor that rewrapped the lines.
• If lines are not 128 characters long, check that the file was not converted to another encoding or saved with extra line breaks.
• Files with several statements for different accounts are shown statement by statement.

Privacy

Parsing runs in your browser. Bank statements often contain personal and financial data, which is exactly why nothing is sent to gratistools.be.