CPA-005 — Notice of Change file (U / S / V records, 208 characters)
A Canadian Notice of Change: the receiving institution tells the originator that an account has moved. It is a FILE OF ITS OWN — records are 208 characters, not 1464, and Standard 005 forbids intermixing its U (header), S (change) and V (trailer) records with AFT records. Each S record carries the new routing number and account beside the original ones, and the V trailer declares how many S records it holds.
CPA Standard 005 — Valid
A Canadian Notice of Change: the receiving institution tells the originator that an account has moved. It is a FILE OF ITS OWN — records are 208 characters, not 1464, and Standard 005 forbids intermixing its U (header), S (change) and V (trailer) records with AFT records. Each S record carries the new routing number and account beside the original ones, and the V trailer declares how many S records it holds.
What this file shows
A Canadian Notice of Change: the receiving institution tells the originator that an account has moved. It is a FILE OF ITS OWN — records are 208 characters, not 1464, and Standard 005 forbids intermixing its U (header), S (change) and V (trailer) records with AFT records. Each S record carries the new routing number and account beside the original ones, and the V trailer declares how many S records it holds.
| Date in the file | 2026-07-12 |
|---|
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
U0000012345000102619300300CAD
S2000003100027778889 0030003000001000000001JEAN TREMBLAY 0004100101234567 ACME MANUFACTURING INC
S7000000100232223334 0030003000001000000003BOREAL CAFE LTD 0002100015556667 ACME MANUFACTURING INC
V00000002
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.
CPA-005 / AFT payment file (Canada)
- CPA-005 — payroll direct deposit (two credits in one record)
- CPA-005 — a pre-authorised debit and its NSF return (code 901)
- CPA-005 — the error correction folded into the debit total
- CPA-005 — credits (C) and debits (D) in one file, four pairs of totals balanced
- CPA-005 — transit 099999999 passes: there is no check digit in Canada