ABA File Converter
Convert, read, view, validate, edit, and create ABA files entirely in your browser. Works with every major Australian bank.
Convert CSV to ABA file
Drop a CSV of payments, map the columns, fill in your bank details, and download a valid ABA file — in under a minute.
Source CSV
All tools
CSV to ABA Converter
Convert a CSV of payments into a valid ABA file for Australian banks.
Excel to ABA Converter
Convert an Excel workbook of payments into a valid ABA file.
ABA to CSV Converter
Decode an ABA file into a clean CSV that opens in Excel.
ABA File Validator & Checker
Check an ABA file against the format spec before uploading to your bank.
ABA File Viewer
Open and read an ABA file in a human-friendly table view.
ABA File Editor
Open an ABA file, fix one or more rows, and save a corrected file.
ABA File Generator
Build an ABA file from scratch with a form — no spreadsheet needed.
Why ABA File Converter?
Professional-grade ABA file tools, built on trust and transparency.
Your files never leave your device
Every tool runs 100% in your browser. Your CSV, Excel, and ABA files are processed locally — never uploaded to any server, never seen by us.
Free, with no limits
No signup, no subscription, no per-file fee. All seven tools are free to use, with no row limits and no watermarks.
Validates against the ABA spec
Every generated file is checked against the Australian Bankers' Association direct-entry specification before download. Supports 147 Australian financial institution codes.
Works with your existing tools
Converts files from Xero, MYOB, QuickBooks, Reckon, and other payroll platforms. Output is accepted by every major Australian bank, no configuration required.
Export from your payroll software
Accepted by every major Australian bank
Trusted by bookkeepers, accountants, and small businesses
“Caught a dodgy BSB before I sent off last week's pay run — would've had the whole batch bounced back by the bank otherwise. Saved me a good half day of redoing everything.”
Grace Tan
BAS Agent
“I only run supplier payments a few times a year, so paying for proper software never made sense. No sign-up, no limit on rows, straight from my spreadsheet to a bank-ready file in a few minutes.”
Daniel Wu
Owner, Wu's Trading
“Wasn't keen on uploading clients' account numbers to some random server. Everything here happens in the browser, nothing gets sent off anywhere, which matters more to me than any of the fancy features.”
Priya Nair
Bookkeeper
“Got a warning that a BSB didn't match any bank on file, turned out someone had fat-fingered a digit entering it. Would've gone out wrong if it hadn't flagged it.”
Mark Ferreira
Payroll Administrator
“Doesn't matter if the export's come out of Xero or MYOB, just drop it in and convert. Pick the bank and it sorts the FI code itself, no more digging through lookup tables.”
Angela Costa
Accountant
“We run batches with a couple thousand lines and other tools used to choke on that. This one stays quick, and if I need to fix one line last minute the Editor means I'm not redoing the whole export.”
Kevin Zhang
Operations Lead
“Caught a dodgy BSB before I sent off last week's pay run — would've had the whole batch bounced back by the bank otherwise. Saved me a good half day of redoing everything.”
Grace Tan
BAS Agent
“I only run supplier payments a few times a year, so paying for proper software never made sense. No sign-up, no limit on rows, straight from my spreadsheet to a bank-ready file in a few minutes.”
Daniel Wu
Owner, Wu's Trading
“Wasn't keen on uploading clients' account numbers to some random server. Everything here happens in the browser, nothing gets sent off anywhere, which matters more to me than any of the fancy features.”
Priya Nair
Bookkeeper
“Got a warning that a BSB didn't match any bank on file, turned out someone had fat-fingered a digit entering it. Would've gone out wrong if it hadn't flagged it.”
Mark Ferreira
Payroll Administrator
“Doesn't matter if the export's come out of Xero or MYOB, just drop it in and convert. Pick the bank and it sorts the FI code itself, no more digging through lookup tables.”
Angela Costa
Accountant
“We run batches with a couple thousand lines and other tools used to choke on that. This one stays quick, and if I need to fix one line last minute the Editor means I'm not redoing the whole export.”
Kevin Zhang
Operations Lead
What is an ABA file?
An ABA file — also called a Direct Entry file or Cemtex file — is the fixed-width 120-character text format Australian banks use to process batch electronic-funds-transfer (EFT) payments. Each file contains a descriptive header, one detail record per payment, and a totals record. Businesses upload ABA files to their bank's internet banking portal to pay multiple suppliers, employees, or beneficiaries in a single transaction.
The ABA format has been the Australian banking standard for batch payments since the 1980s and is accepted by every major Australian financial institution — including CBA, Westpac, ANZ, NAB, Macquarie, and Bankwest. Payroll and accounting platforms such as Xero, MYOB, and QuickBooks all export ABA files directly from their payment-run screens. If you do not have an export, use our free ABA file creator to build one from scratch. Read the full ABA file format specification →
Frequently asked questions
What is an ABA file?
An ABA file is the fixed-width 120-character text format Australian banks accept for batch payment uploads. It's sometimes called the Direct Entry or Cemtex format and is used by CBA, Westpac, ANZ, NAB, and every other major AU bank.
Is this tool really free?
Yes. Every tool on this site is free to use, with no signup, no per-file fee, and no subscription.
Are my files uploaded anywhere?
No. All processing runs in your browser. Your CSV, Excel, and ABA files never leave your device.
Which Australian banks does this work with?
The ABA format is standardised, so every major Australian bank — including CBA, Westpac, ANZ, NAB, Macquarie, Bendigo, ING, Suncorp, BOQ, and Bankwest — accepts files generated here. You pick your bank during the file-details step so the correct FI code is used.
What payroll software exports ABA files?
Xero, MYOB, QuickBooks, Reckon, KeyPay, Employment Hero, and Sage all export ABA files or CSVs from their payroll modules. Drop the exported file into any tool here to convert, validate, or edit it.
What is the difference between an ABA file and a Cemtex file?
They are the same format. Cemtex is an older trade name for the 120-character fixed-width Direct Entry format used by Australian banks. The two terms are interchangeable.
How many payments can an ABA file contain?
There is no hard limit in the specification. In practice most banks accept several thousand detail records in a single file. This tool handles large files using virtual scrolling so even thousands of rows display instantly.