camt.052 file format

ISO 20022 camt.052 Bank to Customer Account Report

By Isaac Oduh · Last updated 27 October 2026

camt.052 is the ISO 20022 XML account report. Banks use it for intraday balances and entries, including pending items, for one or more accounts.

Treasury, liquidity and payment operations teams use camt.052 to monitor intraday positions, confirm incoming funds and manage prefunding. It is the ISO 20022 successor to MT942 and MT941, and banks may send it hourly or on activity.

File structure

Code	Name	Purpose	Required
`Document/BkToCstmrAcctRpt`	Message root	Root element of the BankToCustomerAccountReport message.	Yes
`GrpHdr`	Group Header	Message-level data: MsgId, CreDtTm, optional recipient and pagination.	Yes
`GrpHdr/CreDtTm`	Creation Date Time	When the report was created. Plays the role of MT942 :13D:.	Yes
`Rpt`	Report	One account report. Repeats for each account in the message.	Yes
`Rpt/Id`	Report Identification	Bank's unique identifier for this report.	Yes
`Rpt/ElctrncSeqNb`	Electronic Sequence Number	Running report number, used to detect missing or duplicate reports.	No
`Rpt/CreDtTm and Rpt/FrToDt`	Creation Time and Period	Report timestamp and the time window covered.	No
`Rpt/Acct`	Account	Reported account: Id as IBAN or Othr/Id, plus optional currency.	Yes
`Rpt/Bal`	Balance	Zero or more balances. Unlike camt.053, none is mandatory.	No
`Bal/Tp/CdOrPrtry/Cd`	Balance Type Code	Usually ITBD or ITAV intraday; OPBD or CLBD at day start or end.	Conditional
`Bal/Amt, CdtDbtInd, Dt`	Balance Amount, Sign and Date	Unsigned amount with currency, CRDT or DBIT, and Dt or DtTm.	Conditional
`Rpt/TxsSummry`	Transactions Summary	Entry counts and sums; TtlCdtNtries and TtlDbtNtries mirror MT942 :90C: and :90D:.	No
`Rpt/Ntry`	Entry	One movement on the account. Repeats.	No
`Ntry/Amt and Ntry/CdtDbtInd`	Entry Amount and Indicator	Unsigned amount with currency, plus CRDT or DBIT.	Yes
`Ntry/Sts`	Entry Status	BOOK, PDNG, INFO or FUTR. Pending items are allowed in reports.	Yes
`Ntry/BookgDt and Ntry/ValDt`	Booking Date and Value Date	Posting date (expected date if pending) and value date.	No
`Ntry/BkTxCd`	Bank Transaction Code	Domain, family and sub-family codes, and/or a proprietary code.	Yes
`Ntry/NtryDtls/TxDtls`	Transaction Details	Underlying transactions with Refs, RltdPties and RmtInf.	No
`Ntry/AddtlNtryInf`	Additional Entry Information	Free-text narrative for the entry.	No

Key codes

Code	Meaning	Source	Category
`OPBD`	Opening booked balance. Equals the closing booked balance of the previous report.	ISO 20022 External Code Sets	Balance type
`CLBD`	Closing booked balance: opening booked plus all entries booked in the period.	ISO 20022 External Code Sets	Balance type
`OPAV`	Opening available balance at the owner's disposal on the date given.	ISO 20022 External Code Sets	Balance type
`CLAV`	Closing available balance at the owner's disposal on the date given.	ISO 20022 External Code Sets	Balance type
`ITBD`	Interim booked balance, calculated during the business day and subject to change.	ISO 20022 External Code Sets	Balance type
`ITAV`	Interim available balance, calculated during the business day and subject to change.	ISO 20022 External Code Sets	Balance type
`PRCD`	Previously closed booked balance. The new period's opening booked balance must equal it.	ISO 20022 External Code Sets	Balance type
`FWAV`	Forward available balance for a stated future date.	ISO 20022 External Code Sets	Balance type
`XPCD`	Expected balance: booked plus known pending items, projecting end of day.	ISO 20022 External Code Sets	Balance type
`INFO`	Balance given for information only.	ISO 20022 External Code Sets	Balance type
`SubTp INTM`	Balance sub-type for an intermediate balance carried between pages of a multi-page report.	ISO 20022 External Code Sets; mBank	Balance sub-type
`CRDT`	Credit: the operation is an increase. Used in Bal and Ntry CdtDbtInd.	ISO 20022 MDR	Credit/debit indicator
`DBIT`	Debit: the operation is a decrease. A negative balance is DBIT with a positive Amt.	ISO 20022 MDR; mBank	Credit/debit indicator
`Sts BOOK`	Booked entry. The only status that can be reversed.	ISO 20022 External Code Sets	Entry status
`Sts PDNG`	Pending entry, not yet booked. Reappears as BOOK later if it books.	ISO 20022 External Code Sets	Entry status
`Sts INFO`	Information only; no booking was performed.	ISO 20022 External Code Sets	Entry status
`Sts FUTR`	Booked, with value applied at a future date.	ISO 20022 External Code Sets	Entry status
`BkTxCd PMNT/RCDT/XBCT`	Example bank transaction code: Payments, received credit transfers, cross-border credit transfer.	ISO 20022 BTC codification	Bank transaction code

Sample file

Synthetic example with a fictional bank and account. Real files vary by bank.

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.052.001.08">
  <BkToCstmrAcctRpt>
    <GrpHdr>
      <MsgId>RPT-20261026-1130</MsgId>
      <CreDtTm>2026-10-26T11:30:00+00:00</CreDtTm>
    </GrpHdr>
    <Rpt>
      <Id>20261026-1130-0001234567</Id>
      <ElctrncSeqNb>12</ElctrncSeqNb>
      <CreDtTm>2026-10-26T11:30:00+00:00</CreDtTm>
      <Acct>
        <Id><Othr><Id>0001234567</Id></Othr></Id>
        <Ccy>USD</Ccy>
      </Acct>
      <Bal>
        <Tp><CdOrPrtry><Cd>ITBD</Cd></CdOrPrtry></Tp>
        <Amt Ccy="USD">18700.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt><DtTm>2026-10-26T11:30:00+00:00</DtTm></Dt>
      </Bal>
      <Bal>
        <Tp><CdOrPrtry><Cd>ITAV</Cd></CdOrPrtry></Tp>
        <Amt Ccy="USD">17800.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt><DtTm>2026-10-26T11:30:00+00:00</DtTm></Dt>
      </Bal>
      <Ntry>
        <NtryRef>1</NtryRef>
        <Amt Ccy="USD">2500.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Sts><Cd>BOOK</Cd></Sts>
        <BookgDt><DtTm>2026-10-26T09:14:00+00:00</DtTm></BookgDt>
        <ValDt><Dt>2026-10-26</Dt></ValDt>
        <AcctSvcrRef>FT2610260001</AcctSvcrRef>
        <BkTxCd>
          <Domn><Cd>PMNT</Cd><Fmly><Cd>RCDT</Cd><SubFmlyCd>XBCT</SubFmlyCd></Fmly></Domn>
        </BkTxCd>
        <NtryDtls>
          <TxDtls>
            <Refs><EndToEndId>INV-1002</EndToEndId></Refs>
            <RmtInf><Ustrd>INVOICE INV-1002</Ustrd></RmtInf>
          </TxDtls>
        </NtryDtls>
      </Ntry>
      <Ntry>
        <NtryRef>2</NtryRef>
        <Amt Ccy="USD">400.00</Amt>
        <CdtDbtInd>DBIT</CdtDbtInd>
        <Sts><Cd>PDNG</Cd></Sts>
        <ValDt><Dt>2026-10-26</Dt></ValDt>
        <BkTxCd>
          <Domn><Cd>PMNT</Cd><Fmly><Cd>ICDT</Cd><SubFmlyCd>DMCT</SubFmlyCd></Fmly></Domn>
        </BkTxCd>
        <AddtlNtryInf>PAYMENT TO FICTIONAL SUPPLIES CO PO-7790</AddtlNtryInf>
      </Ntry>
    </Rpt>
  </BkToCstmrAcctRpt>
</Document>

Reading balances

Read Rpt/Bal entries by Tp/CdOrPrtry/Cd. Intraday reports usually carry ITBD (interim booked) and ITAV (interim available), stamped with Dt/DtTm. Some banks add OPBD or PRCD in the first report of the day and CLBD or CLAV in the last. Amt is unsigned, so apply DBIT as negative. Use the latest report by CreDtTm.

Parsing and reconciliation pitfalls

Bal is optional in camt.052. A report with entries but no balances is valid, so never assume a balance exists.
PDNG entries are not booked. Exclude them from ledger totals; they reappear as BOOK later, so match on AcctSvcrRef or EndToEndId to avoid double counting.
Reports can be sent on a schedule or on activity, and some are cumulative. Use ElctrncSeqNb and entry references to deduplicate.
ITBD and ITAV are snapshots that can change. Do not treat an interim balance as end-of-day; reconcile against the camt.053 CLBD.
Timestamps include offsets. Normalise CreDtTm, Bal/Dt/DtTm and BookgDt/DtTm to UTC before ordering reports across banks and regions.

How it compares

camt.052 replaces MT942 and MT941 and adds interim balances and pending entries. camt.053 is the end-of-day booked statement with mandatory balances. MT942 carries no standard balances. BAI2 covers intraday reporting with 030 and 060 codes and as-of-date modifier 3.

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Frequently asked questions

What is camt.052 used for?

camt.052 reports account activity and balances at a point in time, usually during the day. Banks use it for intraday cash visibility, showing booked and pending entries and interim balances before the end-of-day camt.053 statement.

What do ITBD and ITAV mean?

ITBD is the interim booked balance and ITAV is the interim available balance. Both are calculated during the business day at the time stated and can still change. They are the typical balance codes in intraday camt.052 reports.

Can camt.052 include pending transactions?

Yes. An entry with Sts PDNG is not yet booked. If it books, it appears again with status BOOK in a later report or statement. A pending entry cannot be reversed, unlike a booked one.

Other formats

Sources

Bank-to-Customer Cash Management Message Definition Report Part 2 (Maintenance 2020/2021) · ISO 20022 Registration Authority
ISO 20022 External Code Sets · ISO 20022 Registration Authority
ING Format Description CAMT.052.001.02 (CGI version) · ING
camt.052 sample · Goldman Sachs Transaction Banking
CBPR+ roadmap beyond November 2025 (v6, September 2026) · Swift

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