Every bank speaks its own dialect
BAI2 here, camt.053 there, a CSV export and a portal login somewhere else. ISO 20022 was meant to fix this, but each bank implements it its own way.
Independent treasury infrastructure guidance
Your treasury shouldn't depend on any one bank.
Bank Agnostic helps finance teams see, connect and pay across all of their banks. We offer neutral guidance and free tools, so you don't have to buy a six-figure system or rely on a bank's own advice.
Fig. 01Illustrative model: one company, one independent layer, six banks. Point at a bank. Not live data.
- Zero custody
- Our tools run in your browser. Files are never uploaded.
- Standards
- BAI2 · camt.052 · camt.053 · camt.054 · pain.001
- Fixed fees
- Agreed before work starts. No hourly billing.
- Independent
- Not a bank. Not a software reseller.
01The problem
More banks should mean more options, not more lock-in.
Fees you can't easily check
Account analysis statements use service codes that banks apply inconsistently. Pricing drifts from what was agreed, and few teams have time to reconcile it.
Advice that isn't neutral
Banks recommend their own channels. Software vendors recommend their own platforms. Very few people are paid only to tell you what fits.
02The architecture
Fragmented by default. Bank-agnostic by design.
Switch between the two architectures, then replace a bank. In a bank-agnostic setup, banks become interchangeable and your systems stop caring which one is on the other end.
Stress test: replace a bank
Choose a bank to replace and see what has to change.
Fig. 02File transferPortal / manualAPISwiftIllustrative model with invented banks. Counts are taken from this diagram.
03Free tools
Your files never leave your browser.
Our tools run entirely on your device. Nothing is uploaded, stored or seen by us, and the page's security policy blocks it from sending your data anywhere. Watch the checker prove a statement, then break it on purpose.
bai2-sample.txtSynthetic file · 11 records
- 01
01,BANKAGNO,DEMOCORP,261014,0600,1,,,2/ - 02
02,DEMOCORP,DEMOBANK,1,261013,2400,USD,2/ - 03
03,1234567890,USD,010,1500000,,,015,1717500,,,100,350000,2,,400,132500,2,/ - 04
16,195,250000,,FED0001,INV-1001,INCOMING WIRE ACME SUPPLY CO - 05
16,165,100000,,ACH0001,,PREAUTH ACH CREDIT - 06
16,475,32500,,CHK1042,1042,CHECK PAID - 07
16,495,100000,,FED0002,PAY-778,OUTGOING WIRE NORTHWIND - 08
88,LOGISTICS LLC - 09
49,4182500,7/ - 10
98,4182500,1,9/ - 11
99,4182500,1,11/
Computed control total
Account trailer (49) says
Verdict from the real checker
Fig. 03The same parser that powers the free checker, running in your browser on a synthetic file.
04Capabilities
Send documents. Get a written answer.
Async by design. You won't sit through a series of workshops. The fee is agreed before work starts. Free tools sit alongside the reviews.
Bank file checker
Drop in a BAI2, camt.052/053/054 or pain.001 file. You get a readable summary, control-total and balance checks, and plain-English warnings, including the new Swift address rule.
PriceFree
01Input
- BAI2 balance reports
- camt.052 / 053 / 054
- pain.001 payment files
02Process
- Parse record by record
- Prove control totals and balances
- Check field limits and the 14 Nov 2026 address rule
03Output
- Readable summary per account
- Findings ranked by severity
- Transaction tables
- Runs entirely in your browser; nothing is uploaded
- Security policy blocks network calls: connect-src 'self'
- Exact decimal arithmetic, no floating-point drift
Bank Fee Review
We reconcile your account analysis statements against your agreed pricing and list every discrepancy, with the evidence you need to raise it with the bank.
Price$2,500–$5,000 · fixed feePricing
01Input
- Account analysis statements (PDF, EDI 822, camt.086)
- Pricing agreements or fee schedules
- Which services you actually use
02Process
- Map charges to AFP service code categories
- Compare unit prices with agreed pricing
- Flag non-standard, unused and duplicate charges
03Output
- Discrepancies with statement evidence
- Prioritized list per bank
- Written so you can forward it
- Document-based and async
- Fee agreed before work starts
- Account numbers can be redacted
Connectivity Readiness Review
A map of every bank, channel and file format you use, the gaps against ISO 20022 and API options, and a neutral 90-day plan.
Price$3,000–$7,500 · fixed feePricing
01Input
- Banks and accounts in scope
- Channels: portal, SFTP, host-to-host, Swift, API
- Formats in use, ERP or TMS
02Process
- Build a bank × channel × format map
- Find single points of failure and legacy formats
- Check readiness for ISO 20022 changes
03Output
- Your connectivity map
- Questions to put to each bank
- A 90-day plan with trade-offs
- No vendor recommendation in disguise
- Includes the Swift structured-address rule
- Fee agreed before work starts
Bank fee code decoder
Map an account analysis export to AFP service code categories and flag the codes your bank invented.
PriceNot yet available
01Input
- Account analysis export
02Process
- Match codes to AFP categories
- Detect proprietary codes
03Output
- A decoded fee view, in your browser
- Zero-custody, like the file checker
Bank connectivity directory
Which channels and formats each bank supports, built only from their public documentation, with sources cited.
PriceNot yet available
01Input
- Banks' public documentation
02Process
- Normalize channels and formats
- Cite every source
03Output
- A searchable, sourced directory
- Public sources only
05How we stay neutral
The name is the policy.
Bank Agnostic doesn't sell banking services or treasury software. Our recommendations are judged by one test: does this make you less dependent on any single bank or vendor?
Why bank-agnostic mattersBA-0001Neutrality protocol
- mustClients pay us directly. If we ever receive anything from a bank or vendor we mention, we disclose it next to the mention.
- mustTools are zero-custody: no uploads, no accounts, no tracking of what you check.
- mustWe cite public sources and say plainly when something is our opinion.
- must notHold, move or touch your money.
Start with one question.
Tell us how many banks you work with and what is getting in the way. You'll get a written reply, not a sales sequence.