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Understanding CFONB 240

CFONB 240 is the French 240-character file banks use to return individual operations to customers. See how it differs from the CFONB 120 statement.

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CFONB 240 is a French bank file of fixed-width records, 240 characters long, defined by the Comité français d'organisation et de normalisation bancaires. Banks use it to return operations to their customers in the interbank layout, for example a file of transfers received or of direct debits received, with one detail record for each. It sits beside the CFONB 120 account statement and the CFONB 160 layout for payment orders.

The three CFONB widths

Layout Used for
CFONB 120 the account statement
CFONB 160 payment orders handed to the bank: transfers, direct debits, bills of exchange
CFONB 240 operations in interbank layout returned to the customer

The CFONB's statement specification describes all three and maps the statement fields to the 160 and 240 layouts (CFONB, in French). Each bank may add its own profile, so check your bank's documentation.

What Klarbon does

Klarbon reads CFONB 120 statements and writes CFONB 120 from structured bank files, in beta. Reading PDF statements is not available yet. It does not read or write CFONB 160 or 240 and never starts a payment.

Frequently asked questions

Is CFONB 240 a bank statement?

No. The statement is CFONB 120. CFONB 240 returns the detail of individual operations, such as each transfer or direct debit received, in the interbank layout.

What is CFONB 160?

The 160-character layout for handing payment orders, such as transfers, direct debits and bills of exchange, to the bank.

Can Klarbon read CFONB 240?

No, not today. Klarbon reads and writes the CFONB 120 statement.

Sources

Updated 5 November 2026