ValidateFin

ACH — an international entry (IAT) with its seven mandatory addenda

A USD-to-MXN payment to Mexico. An IAT entry record is not the domestic one relabelled: the account number moves to positions 40-74 (35 characters, to hold a foreign account), positions 13-16 declare how many addenda follow, and the receiver's name is not in the record at all — it lives in addenda 10. Seven addenda (10 to 16) are mandatory on every international entry, because a 94-character record cannot hold the name, address and bank identification of both parties. Reading this file with the domestic offsets returns a fragment of the account number as if it were a person's name.

Nacha 94-character — Valid

A USD-to-MXN payment to Mexico. An IAT entry record is not the domestic one relabelled: the account number moves to positions 40-74 (35 characters, to hold a foreign account), positions 13-16 declare how many addenda follow, and the receiver's name is not in the record at all — it lives in addenda 10. Seven addenda (10 to 16) are mandatory on every international entry, because a 94-character record cannot hold the name, address and bank identification of both parties. Reading this file with the domestic offsets returns a fragment of the account number as if it were a person's name.

ACH / NACHA file (US) Nacha 94-character ACH / NACHA — IATExpected result: Valid

What this file shows

A USD-to-MXN payment to Mexico. An IAT entry record is not the domestic one relabelled: the account number moves to positions 40-74 (35 characters, to hold a foreign account), positions 13-16 declare how many addenda follow, and the receiver's name is not in the record at all — it lives in addenda 10. Seven addenda (10 to 16) are mandatory on every international entry, because a 94-character record cannot hold the name, address and bank identification of both parties. Reading this file with the domestic offsets returns a fragment of the account number as if it were a person's name.

Transactions1
Total$1,000.00
Date in the file2026-07-12
Last verified: License: CC-BY-4.0
Download the file Open the matching validator

Every party, IBAN and amount below is fictitious. The IBANs are structurally valid — they pass the mod-97 check — but they belong to no real account.

File content

101 091000019 0910000192607121200A094101RECEIVING BANK         ORIGIN BANK                    
5220                FF3               MX123456789 IATSALARY    USDMXN260712   1091000010000001
6222313801040007             0000100000MX-ACCOUNT-0001                      001231380100000001
710BUS000000000000100000FOREIGNTRACE0001      MARIA GONZALEZ                           0000001
711ACME MANUFACTURING INC             123 MAIN STREET                                  0000001
712JACOBSTOWN*PA\                     US*19305\                                        0000001
713FIRST NATIONAL BANK                01231380104                         US           0000001
714BANCO DE MEXICO                    02BNMXMXMMXXX                       MX           0000001
715RCV-0001       AV REFORMA 100                                                       0000001
716MEXICO CITY*DF\                    MX*01000\                                        0000001
82200000080023138010000000000000000000100000                                   091000010000001
9000001000002000000080023138010000000000000000000100000                                       
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999

How we know these results hold

Every file in this library is run through the site's own validator on each build. The expected result stated above is asserted by an automated test — if a file stopped matching what this page claims, the build would fail. Two inherited fixtures were repaired this way before publication: three IBANs failed the mod-97 check and several names used characters outside the basic SEPA character set.

ACH / NACHA file (US)

All sample fileshttps://validatefin.com/samples/ach/03-iat-credit.ach