CNAB 400 Layout — Installment Contracts

Layout of the installment contract assignment remittance file in the CNAB 400 collection standard (records 0, 1, 2 and 9). Each record 1 is one installment; installments with the same document number make up one contract.

Where this file is used

This is the file sent in the flow described in Assignment by File, through the manager or consultant portal, or through the manager API. The 400 layout is only accepted in an installment contract (contract) or discounted contract (discounted_contract) assignment configuration. In any other configuration the file is rejected with the message "O layout CNAB 400 aceita apenas cessão de contratos, mas a configuração de cessão é de '…'."

Download sample file — fictitious data: replace the originator code in the header (positions 27–46) with yours before testing.

File structure

Record	Identification (position 1)	Quantity
Header	0	1, always the first line
Detail	1	1 per installment
Complement	2	Optional, after an installment. It is checked and does not change the contract
Trailer	9	1, always the last line

Every line has exactly 400 characters, not counting the line break. The file is recognized as CNAB 400 by the length of its lines: do not strip trailing spaces.

General filling rules

Rule	Detail
Fixed length	Every line has 400 positions. Shorter or longer lines reject the file.
Numeric fields	Right-aligned, padded with zeros on the left.
Alphanumeric fields	Left-aligned, padded with spaces on the right.
Amounts	13 positions, 2 decimal places, no comma or dot. R$ 1,234.56 → 0000000123456.
Dates	DDMMYY format. E.g.: 10/15/2026 → 151026.
Extension	.rem or .txt. CRLF or LF line breaks.

Header Record

#	Position	Size	Field	Req.	Accepted content
1	001–001	1	Record identification	Yes	0
2	002–002	1	Remittance file identification	Yes	1
3	003–009	7	Remittance literal	Yes	REMESSA
4	010–011	2	Service code	Yes	01
5	012–026	15	Service literal	Yes	COBRANCA + 7 spaces
6	027–046	20	Originator code	Yes	Code registered in the assignment configuration, right-aligned with zeros
7	047–076	30	Originator name	Yes	Company name
8	077–079	3	Bank number	Yes	Digits
9	080–094	15	Bank name	Yes	Cannot be blank
10	095–100	6	File date	Yes	DDMMYY
11	101–108	8	Blanks	Yes	8 spaces
12	109–110	2	System identification	Yes	MX
13	111–117	7	File sequential number	Yes	Digits
14	118–394	277	Blanks	Yes	Exactly 277 spaces
15	395–400	6	Record sequential number	Yes	000001

Originator code (positions 27–46)

It is the originator identifier registered in the assignment configuration. A code that is not registered, or that is bound to another configuration, rejects the file. Request the code during the assignor onboarding.

Detail Record (installment)

One record per installment. Only the fields below are read; the other positions of the collection layout (e.g. 002–037, debit account and company identification) may be filled and are not used.

#	Position	Size	Field	Req.	Accepted content
1	001–001	1	Record identification	Yes	1
2	038–062	25	Participant control number	Yes	Installment identifier in your system. Unique in the file and must not change after the assignment: it is how the installment is found in the settlement
3	109–110	2	Occurrence	Yes	01 (entry)
4	111–120	10	Document number	Yes	Contract number. Repeat the same number on every installment of the contract
5	121–126	6	Maturity date	Yes	DDMMYY
6	127–139	13	Face value	Yes	Installment amount, 2 decimals, greater than zero
7	148–149	2	Instrument kind	Yes	60 contract · 61 physical contract
8	151–156	6	Issue date	Yes	DDMMYY. Same on every installment of the contract
9	193–205	13	Present value (acquisition)	Yes	Price the fund pays for the installment (face value with the agreed discount), 2 decimals, greater than zero
10	219–220	2	Borrower document type	Yes	01 individual (CPF), 02 company (CNPJ)
11	221–234	14	Borrower document number	Yes	CNPJ with 14 positions; CPF with 11 right-aligned digits. The check digit is validated. Same on every installment of the contract
12	235–274	40	Borrower name	Yes	Cannot be blank
13	275–314	40	Borrower address	Yes	Cannot be blank. E.g.: AV EXEMPLO, 100
14	327–334	8	Borrower postal code	Yes	8 digits, no hyphen
15	395–400	6	Record sequential number	Yes	Line sequence

Positions 193–205

In the bank collection layout these positions usually carry the IOF, often zeroed. In the assignment they carry the installment present value: with zeros, the line is rejected.

Complement Record

#	Position	Size	Field	Req.	Accepted content
1	001–001	1	Record identification	Yes	2
2	002–394	393	Bank slip messages and discounts	No	Free; not read
3	395–400	6	Record sequential number	Yes	6 digits

Trailer Record

#	Position	Size	Field	Req.	Accepted content
1	001–001	1	Record identification	Yes	9
2	002–394	393	Blanks	Yes	Exactly 393 spaces
3	395–400	6	Record sequential number	Yes	6 digits

How installments become contracts

• Grouping: lines with the same document number (111–120) are the installments of the same contract, and this number becomes the contract identifier and number in the portfolio. The file may carry contracts of several borrowers.
• Consistency: every installment of a contract must have the same borrower document number and the same issue date; otherwise the file is rejected. The other borrower data comes from the contract's first line.
• Numbering: do not send installment numbers. Each contract's installments are numbered 1, 2, 3, … by maturity date.
• Participant control number: required and cannot repeat in the file.
• Amounts: the contract purchase value is the sum of its installments' present values. The 400 layout carries no rate, and the contract has no nominal rate.

Example

The sample file has two contracts:

Line	Record	Document no.	Control no.	Maturity	Face value	Present value	Result
2	1	CT4001	400002	10/15/2026	1,500.00	1,400.00	Contract CT4001, installment 1
3	2	—	—	—	—	—	Complement, not read
4	1	CT4001	400001	11/15/2026	1,500.00	1,350.00	Contract CT4001, installment 2
5	2	—	—	—	—	—	Complement, not read
6	1	CT4002	400003	10/20/2026	800.00	760.00	Contract CT4002, installment 1
7	2	—	—	—	—	—	Complement, not read

Contract CT4001 enters with a purchase value of R$ 2,750.00 and CT4002 with R$ 760.00.