ISO 20022 bank transaction code CAMT ACCB: Account Balancing
In ISO 20022 bank transaction codes, domain CAMT (Cash Management) with family ACCB means Account Balancing. Transaction is related to a cash movement that sets the balances of an account to an amount that has been pre-agreed or specified in the transaction. Those transactions are mainly automated liquidity management transactions to optimise the return on the available funds. It has 19 sub-family codes, listed below.
Sub-family codes
| Code | Name | Definition |
|---|---|---|
| CAMT/ACCB/CHRG | Charges (Generic) | Generic charges related to the transaction without further details available |
| CAMT/ACCB/COMM | Commission (Generic) | Generic commissions without further details related to the transaction |
| CAMT/ACCB/COME | Commission Excluding Taxes (Generic) | Generic commissions without taxes related to the transaction without further details available |
| CAMT/ACCB/COMI | Commission Including Taxes (Generic) | Generic commissions including taxes related to the transaction without further details available |
| CAMT/ACCB/DSBR | Controlled Disbursement | Transaction is related to a service that provides for movement of funds associated with cheque presentation. This is the funding leg of the transaction performed as part of the account balancing. |
| CAMT/ACCB/CAJT | Credit Adjustments (Generic) | Generic credit or debit adjustments related to the transaction without further details available |
| CAMT/ACCB/XBRD | Cross-Border | Transaction is related to a cash management activity that is cross-border account balancing operation. |
| CAMT/ACCB/DAJT | Debit Adjustments (Generic) | Generic credit or debit adjustments related to the transaction without further details available |
| CAMT/ACCB/FEES | Fees (Generic) | Generic fees related to the transaction without further details available |
| CAMT/ACCB/INTR | Interests (Generic) | Generic interest related to the transaction without further details available |
| CAMT/ACCB/COMT | Non Taxable Commissions (Generic) | Generic non-taxable commissions related to the transaction without further details available |
| CAMT/ACCB/NTAV | Not Available | The “Not Available” Sub-Family is used to cater for the Bank Transaction Code mandatory field, when no further details are available for the Bank Transaction Code, e.g. a received credit transfer is reported but no Sub-Family is available in the information provided in the transaction. |
| CAMT/ACCB/OTHR | Other | The “Other” Sub-Family is used to cater for the Bank Transaction Code mandatory field, when the reported Family does not match any of the Families listed in the specified Domain, but further details are available in addition to the Domain and Family codes. |
| CAMT/ACCB/ODFT | Overdraft | Transaction relates to a cash management instruction that requesting the processing of overdraft conditions |
| CAMT/ACCB/RIMB | Reimbursement (Generic) | Generic reimbursement of costs related to the transaction without further details available |
| CAMT/ACCB/SWEP | Sweeping | Transaction relates to a cash management instruction, requesting a sweep of the account above an agreed floor amount. The purpose is to move the funds from multiple accounts to a single bank account. Funds can move domestically or across border and more than one bank can be used. |
| CAMT/ACCB/TAXE | Taxes (Generic) | Generic taxes related to the transaction without further details available |
| CAMT/ACCB/TOPG | Topping | Transaction is a cash management instruction, requesting to top the account above a certain floor amount. The floor amount, if not pre-agreed by the parties involved, may be specified. |
| CAMT/ACCB/ZABA | Zero Balancing | Transaction is a cash management instruction, requesting to zero balance the account. Zero Balance Accounts empty or fill the balances in accounts at the same bank, in the same country into or out of a main account each day. |
How it appears in camt.053
In camt.052, camt.053 and camt.054, each entry carries its code in the BkTxCd block. For example, CAMT/ACCB/CHRG:
<BkTxCd>
<Domn>
<Cd>CAMT</Cd>
<Fmly>
<Cd>ACCB</Cd>
<SubFmlyCd>CHRG</SubFmlyCd>
</Fmly>
</Domn>
</BkTxCd>
Other families in the CAMT domain
Related: camt.053 explained, ISO 20022 and all ISO 20022 bank transaction codes.
Where Polynopsis fits
Polynopsis reads bank statement files in BAI2, MT940 and ISO 20022 camt.053, read-only, and puts every bank balance into one live position with payout partner, exchange and stablecoin wallet balances, including money in flight.
Sources
- Bank Transaction Codes external code list description (November 2025) · ISO 20022
- Bank Transaction Codes codification workbook (30 November 2025) · ISO 20022
Know where all your money is.
Polynopsis gives cross-border payment teams one live position across every bank, payout partner, exchange and wallet, including money in flight, and warns before a corridor runs dry.
About Polynopsis
Polynopsis is liquidity management software for cross-border payment companies. The name joins poly, many, and synopsis, a seeing together: one live view of money spread across many banks, payout partners, exchanges and stablecoin wallets, including money in flight, with a warning before any corridor runs dry.
Why it is called Polynopsis · About Polynopsis · Glossary · Corridor runway calculator