PaymentToType,AccountNumber,BIC,Currency,Amount,SecondValidationRequired,ValidationIdType,ValidationId,RecipientReference,OtherPaymentInstruction,BeneficiaryEmail,CategoryPurpose,CategorySubPurpose,RowStatus
ACCT,123,CIBBMYKL,MYR,10,Y,01,123456789012,gift,,user@gmail.com,cash,Yyyy,A
NRIC,123456789012,,MYR,10,N,01,123456789012,debt,blah,user@gmail.com,credit,X,A
NRIC,123456789014,,MYR,20,N,01,123456789012,yolo fund,,user2@gmail.com,credit,X,A
