Bank statement file formats
Reference guides to the statement and balance report formats banks send treasury teams: BAI2, SWIFT MT940 and MT942, and ISO 20022 camt.053 and camt.052. Each covers structure, key codes, a sample file and the pitfalls that break reconciliation.
BAI2BAI2 is a comma-delimited bank reporting file, used mainly in North America. It carries account balances, summary totals and transaction details using numeric type codes.MT940MT940 is the SWIFT end-of-day customer statement. It reports an account's opening balance, each booked transaction and its closing balances in tagged text fields.MT942MT942 is the SWIFT intraday report. It lists account entries posted since the last report, with a floor limit, a timestamp and debit and credit totals.camt.053camt.053 is the ISO 20022 XML end-of-day bank statement. It reports booked entries and balances for one or more accounts, with structured references and party data.camt.052camt.052 is the ISO 20022 XML account report. Banks use it for intraday balances and entries, including pending items, for one or more accounts.
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