INGDirect fails to generate OFX 1.0.2 compliant document

The Australia online bank www.ingdirect.com.au fails to generate OFX 1.0.2 valid data file for the online customer.

The document fails to conform to the following mandatory element specified in DTD specification:

<!ELEMENT STMTRS - - (CURDEF , BANKACCTFROM , BANKTRANLIST? , LEDGERBAL , AVAILBAL? , MKTGINFO?)>

As a result, their OFX document does not contain BANKACCTFROM and LEDGERBAL elements. When GnuCash tries to import this invalid document, GnuCash fails to recognize any valid transactions in the BANKTRANLIST element. KMyMoney reports that 'No Accounts found' error.

An OFX compliance library, LibOFX is available.