OFX File downloads from NatWest

Paul Bedwell's Avatar

Paul Bedwell

10 Dec, 2019 11:19 AM

I am having problems with my downloads from the NatWest website.

I have established that the problem seems to be pending transactions being included in the OFX file download (also applies to Excel files).

The pending transactions are downloaded without description and no balance figure which makes the resulting manual reconciliation tedious in the extreme.

I know that the latest version of the OFX protocol allows the download of pending transactions but the header on the OFX file says that it OFX version 1.2 i.e. the old version.

Can you help with this as I'm getting nowhere with Online Banking Help who refuse to accept that OFX is anything to do with them.

The same problem occurs for my wife who uses Quicken on Windows 10.

Thanks

Paul Bedwell

  1. 1 Posted by Paul Bedwell on 10 Dec, 2019 11:27 AM

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    This is the beginning of the file showing the OFX version number.

  2. 2 Posted by Paul Bedwell on 10 Dec, 2019 11:31 AM

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    Try again with a pdf!

  3. Support Staff 3 Posted by Maddy on 10 Dec, 2019 02:05 PM

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    Thank you for the additional information, Paul!

    Although version 1.0.2 is a very old version of OFX, it supports a lot more than banks usually use, including pending transactions.
    May I ask why the pending transactions are a problem? Does Moneydance not show them properly? When the pending transaction goes through, the bank should send an update with the new status of the transaction.

    Thank you

    --
    Maddy, Infinite Kind Support

  4. 4 Posted by eddie vincent on 10 Dec, 2019 03:13 PM

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    The problem seems to be that NatWest (actually processed by RBS) are including pending transactions and the corresponding balance is shown as £0.00 and there is no Descriptive field (NAME in OFX). If (as they always are) the transaction is the last one for that account in the file, it means that the corresponding last statement balance is £0.00 which means that automatic reconciliation is impossible.

    I have been using OFX files for many years with Quicken (which my wife uses on Windows) and now Moneydance. They both worked perfectly until firstly last year (which they managed to sort out after lengthy negotiations!) and now recently which they (NatWest) don’t appear capable of dealing with. I have contacted the person who I was indirectly dealing with last year in RBS but I don’t know whether he will be able to help.

    Thanks

    Paul Bedwell

    Sent from my iPad Pro

  5. 5 Posted by eddie vincent on 10 Dec, 2019 03:25 PM

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    PS
    As an example, this is an extract from the file
    <STMTTRN>
    <TRNTYPE>DIRECTDEBIT</TRNTYPE>
    <DTPOSTED>20191210</DTPOSTED>
    <TRNAMT>-8.57</TRNAMT>
    <FITID>201912100001</FITID>
    </STMTTRN>

    Don’t know if that helps but....

    Paul Bedwell

    Sent from my iPad Pro

  6. Support Staff 6 Posted by Maddy on 10 Dec, 2019 04:19 PM

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    Thank you for the additional information, Paul!

    I’m sorry to keep you waiting, but I’d like to run your query past the development team who may be able to provide further information.

    Thank you for your patience

    --
    Maddy, Infinite Kind Support

  7. 7 Posted by eddie vincent on 10 Dec, 2019 04:22 PM

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    No problem - thanks for taking the time.

    Paul Bedwell

    Sent from my iPad Pro

  8. Support Staff 8 Posted by Maddy on 11 Dec, 2019 09:53 AM

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    Hi Paul,

    Is it possible for you to provide the last part of the OFX file, including the last transaction? The ending balance should be separate from any individual transactions in the file.

    Thank you

    --
    Maddy, Infinite Kind Support

  9. 9 Posted by Paul Bedwell on 11 Dec, 2019 03:35 PM

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    I hope a .png file is OK for you. I can do a pdf if you would prefer.

    This starts just before the end of the previous file which I copied by hand.

    It’s come up omn screen for me so I presume that’s OK - it’s a screen grab.

    As you can see, the balances are £0.00

    Hope this is OK for you.

    As you can see there is no <NAME></NAME> field.

    This is not the last part of the OFX file as there is more than 1 account. I do not seem to be getting any problems with the credit card accounts - just the Current/Checking accounts. nIf necessary, I could obtain an OFX file for one account but I would have to find an account that has pending transactions - it doesn’t, of course, happen every day. This extract is from yesterday(?).

    Best wishes

    Paul Bedwell

  10. Support Staff 10 Posted by Maddy on 12 Dec, 2019 11:34 AM

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    Hi Paul,

    Unfortunately, the balance shown has nothing to do with pending transactions. It is simply the bank saying that there is a ".00" balance in the account, as of the end of the statement. There isn't really anything we can do about that, especially since the pending transactions are indistinguishable from regular transactions.

    Please let me know if you have further questions or need any assistance.

    --
    Maddy, Infinite Kind Support

  11. 11 Posted by Paul Bedwell on 12 Dec, 2019 03:09 PM

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    Hi. Sorry but the nil balance is not correct.

    I hope that you can see from this screen grab of NatWest’s online banking web page that the pending transactions are shown against a Nil balance which is not correct by over £2000.00.

    This is what is preventing me from reconciling my accounts. Everything was OK until fairly recently when I believe they did an upgrade(!!!!!!) of the system/software.

    What comes up when I press Cmd + B is this -

    This does not agree with the screen grab as it is based on a download from this morning.

    I hope that this clarifies my problem

    Best wishes

    Paul Bedwell

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