What is in record 22 of a CSB43 file?

One movement, in fixed columns. Positions 11 to 16 hold the booking date and 17 to 22 the value date, both as YYMMDD. Positions 23 and 24 hold the concepto común, 25 to 27 the concepto propio. Position 28 is the direction: 1 debits the account, 2 credits it. Positions 29 to 42 are the amount in cents, zero-padded, with no decimal point and no sign anywhere on it. The document number and two references fill the rest of the eighty characters.

What is the difference between concepto común and concepto propio?

The concepto común is the AEB’s shared code and it means the same thing at every Spanish bank, which is why it is worth reading first. The concepto propio is that same bank’s own code for the same movement, and two banks use it for different things. Read together they place a movement precisely. Read alone the second one places nothing, so it belongs in a rule set per bank rather than in a single lookup.

How does a norma 43 file state the closing balance?

In record 33, positions 60 to 73, in cents, with the sign digit in position 59. The same record states the debit count and total in positions 21 to 39 and the credit count and total in positions 40 to 58, so the account’s own footer is a complete statement of the day. Opening balance plus credits minus debits has to be that closing figure, and when it is not, the file is wrong rather than the reader.

Why is it called cuaderno 43, and what is CSB43?

Three names, one file. The Spanish banking bodies publish their interchange standards as numbered cuadernos, and the account statement is number 43. Norma 43 and CSB43 are the two other ways the same document is referred to, and N43 is how it usually appears in a bank’s download menu. Nothing about the file changes with the name on it.

Does a CSB43 file carry the value date?

Yes, in a field of its own: positions 17 to 22 of record 22, beside the booking date in positions 11 to 16. The two differ often enough to matter, and a tool that collapses them into one date has thrown away the difference between money that is booked and money you can use. We keep both, and both travel with the movement everywhere it goes.

AEB · fixed width

What is in a CSB43 file, record by record

Norma 43 is the statement file Spanish banks hand their customers, and it carries no tags and no delimiters. Eighty characters to a record, and where a value sits is the only thing that says what it is. Read a 22 record from the wrong offset and you have read a different movement.

The account every page here reads

EUR

Published by: AEB
What it carries: One account, one day, in eighty-character records that state their own totals.
Account: ES21 0049 0001 5323 4567 8901

Closing balance · Aug 14, 2026EUR 2,990,901.67

The definition

What a cuaderno 43 actually is

The AEB’s standard account statement, published for the Spanish banks, and still the file most treasury teams here open first thing in the morning.

CSB43 — also written norma 43 or cuaderno 43 — is the AEB’s fixed-width account statement. Every record is eighty characters. Record 11 opens an account with its bank code, its branch, its account number, the period and the opening balance. Record 22 is one movement: booking date, value date, a concepto común code shared by every bank, a concepto propio code that belongs to that bank alone, a single digit for the direction, and the amount in cents. Record 23 carries the free text for the movement above it. Record 33 closes the account with the debit count and total, the credit count and total, and the closing balance. Record 88 closes the file.

Who sends it: Your Spanish bank, through the electronic banking portal you already sign in to, or dropped into an SFTP folder on a schedule. The file is the same either way, so where it comes from and what it says are two separate decisions.
When it arrives: Once the account’s day has closed, normally one file each morning. A single file can hold several 11-to-33 blocks, one per account, and the 88 record at the end states how many records the file contains, so a truncated download announces itself.
What it looks like: Plain text, eighty characters a line, no delimiter of any kind and no decimal point. Amounts are cents, zero-padded and right-aligned. Direction is a digit in one column rather than a sign on the number. A line that soft-wraps has stopped being a norma 43 line.

What its parts are called

CSB43 registro 22
cuaderno 43
norma 43
concepto común
CSB43 registro 33

The file

One account’s day, eighty characters at a time

The same account and the same three movements as every other page in this library, so the balance this file closes on has to be the balance the MT940 closes on.

CSB43 · N43One account’s block: the 11 header, three movements with their concept lines, the 33 footer

110049000123456789012608142608142000002864112479783SOCIEDAD MATRIZ SA           
22    00012608142608150401220000001820465500000044714471QX      NORTE TESORERIA 
2301NORTE TESORERIA SL                    FRA 4471                              
22    0001260814260814030071000000042318900000004472MD-88214    SUMINISTRO JULIO
2301NORTE SUMINISTROS SL                  SUMINISTRO JULIO                      
22    0001260814260814170031000000012938450000004473            COMISION 3T     
2301COMISION MANTENIMIENTO 3T                                                   
33004900012345678901000020000000552573500001000000182046552000002990901679783

Where each fact lives in this file

Which account it is: 11 · 3-20
The balance it opened on: 11 · 34-47
One movement, and which way it went: 22 · 28 · 29-42
The day it was booked, and the day the money is yours: 22 · 11-16 · 17-22
What the bank wrote about it: 23
The reference that ties it to a payment: 22 · 53-64 · 65-80
The balance it closed on: 33 · 60-73

What comes out

Nothing here has a name. It still has to add up.

An offset one character out reads the wrong field and parses cleanly, which is what makes this format unforgiving. It is also what makes it checkable.

We read every record against the position map rather than against a guess at where a column starts, and we foot the file against itself before anything lands. The 33 record states the debit count, the debit total, the credit count, the credit total and the closing balance, so a file whose 22 records do not add up to its own footer is rejected with the record that broke it named. Value date and booking date stay two separate fields all the way through, because a credit that is yours tomorrow is not a credit you can spend today.

Then there is the concepto propio. Positions 25 to 27 carry the bank’s own code, and each bank means something different by it. The concepto común in positions 23 and 24 is shared, so it gets you as far as a transfer or a direct debit; everything past that is one bank’s convention. We hold each convention as a versioned rule set, so improving one re-reads the files it has already read instead of leaving them wrong.

Format profiles · CSB43 · N43

Which account it is11 · 3-20: ES21 0049 0001 5323 4567 8901
The balance it opened on11 · 34-47: EUR 2,864,112.47
One movement, and which way it went22 · 28 · 29-42: EUR +182,046.55
The day it was booked, and the day the money is yours22 · 11-16 · 17-22: Aug 15, 2026
What the bank wrote about it23: NORTE TESORERIA SL · FRA 4471
The reference that ties it to a payment22 · 53-64 · 65-80: 4471QX
The balance it closed on33 · 60-73: EUR 2,990,901.67

Every value beside the tag it was read from, so the reading can be checked against the record above.

Position is unforgiving, and in exchange it is exact. Send us a file and the offsets are ours to get right.

The same day, in the formats that name their fields

MT940 gives every value a tag. CAMT.053 gives it an element and a path you can address. BAI2 makes the opposite trade to this one, numbering everything and putting a comma between the fields. A SEPA direct debit is what put one of these 22 records on the account in the first place.

Formats to read beside it

What reads it here

The same day written in four formats, side by side, is on Format library

Asked about CSB43

The questions a practitioner actually types

01What is in record 22 of a CSB43 file?: One movement, in fixed columns. Positions 11 to 16 hold the booking date and 17 to 22 the value date, both as YYMMDD. Positions 23 and 24 hold the concepto común, 25 to 27 the concepto propio. Position 28 is the direction: 1 debits the account, 2 credits it. Positions 29 to 42 are the amount in cents, zero-padded, with no decimal point and no sign anywhere on it. The document number and two references fill the rest of the eighty characters.
02What is the difference between concepto común and concepto propio?: The concepto común is the AEB’s shared code and it means the same thing at every Spanish bank, which is why it is worth reading first. The concepto propio is that same bank’s own code for the same movement, and two banks use it for different things. Read together they place a movement precisely. Read alone the second one places nothing, so it belongs in a rule set per bank rather than in a single lookup.
03How does a norma 43 file state the closing balance?: In record 33, positions 60 to 73, in cents, with the sign digit in position 59. The same record states the debit count and total in positions 21 to 39 and the credit count and total in positions 40 to 58, so the account’s own footer is a complete statement of the day. Opening balance plus credits minus debits has to be that closing figure, and when it is not, the file is wrong rather than the reader.
04Why is it called cuaderno 43, and what is CSB43?: Three names, one file. The Spanish banking bodies publish their interchange standards as numbered cuadernos, and the account statement is number 43. Norma 43 and CSB43 are the two other ways the same document is referred to, and N43 is how it usually appears in a bank’s download menu. Nothing about the file changes with the name on it.
05Does a CSB43 file carry the value date?: Yes, in a field of its own: positions 17 to 22 of record 22, beside the booking date in positions 11 to 16. The two differ often enough to matter, and a tool that collapses them into one date has thrown away the difference between money that is booked and money you can use. We keep both, and both travel with the movement everywhere it goes.

Send one norma 43 file and see it footed.

One account, one month. Every 22 record read at its own offsets, every 23 line attached to the movement above it, and the 33 footer checked against both.

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