bank confirmation letter

Bank statements go to clients. Bank certificates go directly to the auditor. They usually arrive soon after year end.

Does the bank certificates as detailed as the bank statements? Many thanks.

They contain different information. Bank statements show all the movements from the last statement and the closing balance.

Bank certificates show the closing balance, accrued interest and charges, details of any assets that are mortgaged to the bank, any investments held by the bank on behalf of the client.

Does the bank certificate only cover information until the client's year end? If I want to check after date payments to verify the completeness of the trade payables balance, do I need the client's post year end bank statements as the bank certificate won't give me that information? Thank you.

That's right. Bank certs are made up to tear end.