A=Ref (Employee Number or any number)

B=Name (Employee Name and Surname, no comma) 

C=Amount (Nett. Amount, no comma for cents) 

D=Account No. (Employee Bank Account Number or Short Code) 

E=Branch Code (Bank Branch Code or Short Code) 

None of these fields should exceed 16 characters and all data must all be formatted as text.

Save file as *.CSV with no commas or special characters in text, NO header and NO footer (Total). 

Format cells to "text" before save as *.CSV. 

DO NOT OPEN THE *.CSV FILE AGAIN AFTER SAVED (Excel will add formatting to this *.csv file when opened like dropping zeros etc. and it can alter data)