camt.053 file format

ISO 20022 camt.053 Bank to Customer Statement

By Isaac Oduh · Last updated 27 October 2026

camt.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.

Banks send camt.053 to corporates, payment companies, ERPs and treasury systems for daily reconciliation. It is the ISO 20022 successor to MT940 and is standard in SEPA markets and increasingly in cross-border banking.

File structure

Code	Name	Purpose	Required
`Document/BkToCstmrStmt`	Message root	Root element of the BankToCustomerStatement message.	Yes
`GrpHdr`	Group Header	Message-level data shared by all statements in the file.	Yes
`GrpHdr/MsgId`	Message Identification	Sender's unique identifier for the message.	Yes
`GrpHdr/CreDtTm`	Creation Date Time	When the message was created.	Yes
`GrpHdr/MsgPgntn`	Message Pagination	Page number and last-page indicator when a message is split.	No
`Stmt`	Statement	One account statement. Repeats for each account or period in the message.	Yes
`Stmt/Id`	Statement Identification	Bank's unique identifier for this statement.	Yes
`Stmt/ElctrncSeqNb`	Electronic Sequence Number	Running statement number, used to detect gaps.	No
`Stmt/LglSeqNb`	Legal Sequence Number	Legal statement number where it differs from the electronic one.	No
`Stmt/FrToDt`	From To Date	Period covered, as FrDtTm and ToDtTm.	No
`Stmt/Acct`	Account	Reported account: Id as IBAN or Othr/Id, plus an optional currency.	Yes
`Stmt/Bal`	Balance	A balance with type, amount, credit/debit indicator and date. At least one required.	Yes
`Bal/Tp/CdOrPrtry/Cd`	Balance Type Code	External code such as OPBD, CLBD, CLAV or FWAV.	Yes
`Bal/Amt @Ccy`	Balance Amount	Unsigned amount with currency attribute; sign comes from CdtDbtInd.	Yes
`Bal/CdtDbtInd`	Credit Debit Indicator	CRDT or DBIT, giving the sign of the balance.	Yes
`Bal/Dt`	Balance Date	Date (Dt) or date and time (DtTm) of the balance.	Yes
`Stmt/TxsSummry`	Transactions Summary	Counts and sums of entries, including totals of credits and debits.	No
`Stmt/Ntry`	Entry	One booked 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/RvslInd`	Reversal Indicator	True when the entry reverses an earlier one.	No
`Ntry/Sts`	Entry Status	BOOK in statements. Newer versions wrap the code in Cd.	Yes
`Ntry/BookgDt and Ntry/ValDt`	Booking Date and Value Date	When the entry was posted, and when funds take value.	No
`Ntry/AcctSvcrRef`	Account Servicer Reference	Bank's unique reference for the entry.	No
`Ntry/BkTxCd`	Bank Transaction Code	Domain, family and sub-family codes, and/or a proprietary code.	Yes
`Ntry/NtryDtls`	Entry Details	Holds batch information and the underlying transactions of the entry.	No
`NtryDtls/Btch`	Batch	Batch identifier and number of transactions for a batch-booked entry.	No
`NtryDtls/TxDtls`	Transaction Details	One underlying transaction. Repeats within a batch entry.	No
`TxDtls/Refs`	References	EndToEndId, InstrId, TxId, UETR and other payment references.	No
`TxDtls/RltdPties`	Related Parties	Debtor, creditor, their accounts and ultimate parties.	No
`TxDtls/RmtInf`	Remittance Information	Unstructured (Ustrd) or structured (Strd) payment details, such as invoice numbers.	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.053.001.08">
  <BkToCstmrStmt>
    <GrpHdr>
      <MsgId>STMT-20261025-0001</MsgId>
      <CreDtTm>2026-10-26T06:00:00+00:00</CreDtTm>
    </GrpHdr>
    <Stmt>
      <Id>20261025-0001234567</Id>
      <ElctrncSeqNb>298</ElctrncSeqNb>
      <CreDtTm>2026-10-26T06:00:00+00:00</CreDtTm>
      <FrToDt>
        <FrDtTm>2026-10-25T00:00:00+00:00</FrDtTm>
        <ToDtTm>2026-10-25T23:59:59+00:00</ToDtTm>
      </FrToDt>
      <Acct>
        <Id><Othr><Id>0001234567</Id></Othr></Id>
        <Ccy>USD</Ccy>
      </Acct>
      <Bal>
        <Tp><CdOrPrtry><Cd>OPBD</Cd></CdOrPrtry></Tp>
        <Amt Ccy="USD">15000.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt><Dt>2026-10-25</Dt></Dt>
      </Bal>
      <Bal>
        <Tp><CdOrPrtry><Cd>CLBD</Cd></CdOrPrtry></Tp>
        <Amt Ccy="USD">16200.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt><Dt>2026-10-25</Dt></Dt>
      </Bal>
      <Bal>
        <Tp><CdOrPrtry><Cd>CLAV</Cd></CdOrPrtry></Tp>
        <Amt Ccy="USD">15700.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt><Dt>2026-10-25</Dt></Dt>
      </Bal>
      <Ntry>
        <NtryRef>1</NtryRef>
        <Amt Ccy="USD">1500.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Sts><Cd>BOOK</Cd></Sts>
        <BookgDt><Dt>2026-10-25</Dt></BookgDt>
        <ValDt><Dt>2026-10-25</Dt></ValDt>
        <AcctSvcrRef>FT2610250001</AcctSvcrRef>
        <BkTxCd>
          <Domn><Cd>PMNT</Cd><Fmly><Cd>RCDT</Cd><SubFmlyCd>XBCT</SubFmlyCd></Fmly></Domn>
        </BkTxCd>
        <NtryDtls>
          <TxDtls>
            <Refs><EndToEndId>INV-1001</EndToEndId></Refs>
            <Amt Ccy="USD">1500.00</Amt>
            <CdtDbtInd>CRDT</CdtDbtInd>
            <RltdPties><Dbtr><Pty><Nm>Acme Trading Ltd</Nm></Pty></Dbtr></RltdPties>
            <RmtInf><Ustrd>INVOICE INV-1001</Ustrd></RmtInf>
          </TxDtls>
        </NtryDtls>
      </Ntry>
      <Ntry>
        <NtryRef>2</NtryRef>
        <Amt Ccy="USD">300.00</Amt>
        <CdtDbtInd>DBIT</CdtDbtInd>
        <Sts><Cd>BOOK</Cd></Sts>
        <BookgDt><Dt>2026-10-25</Dt></BookgDt>
        <ValDt><Dt>2026-10-25</Dt></ValDt>
        <AcctSvcrRef>FT2610250002</AcctSvcrRef>
        <BkTxCd>
          <Domn><Cd>PMNT</Cd><Fmly><Cd>ICDT</Cd><SubFmlyCd>DMCT</SubFmlyCd></Fmly></Domn>
        </BkTxCd>
        <AddtlNtryInf>PAYMENT TO FICTIONAL SUPPLIES CO PO-7788</AddtlNtryInf>
      </Ntry>
    </Stmt>
  </BkToCstmrStmt>
</Document>

Reading balances

Loop over Stmt/Bal and read Tp/CdOrPrtry/Cd. OPBD is opening ledger, CLBD closing ledger and CLAV closing available. Some banks also send OPAV, PRCD or FWAV. Amt is always unsigned, so apply DBIT as negative. Check Bal/Dt and any SubTp INTM, which marks a page carry-forward rather than a true daily balance.

Parsing and reconciliation pitfalls

Schema versions differ. In camt.053.001.02 Sts holds the code directly; newer versions such as .08 wrap it in Cd. Detect the namespace before parsing.
One Ntry can be a batch. Its amount equals the sum of many TxDtls, so match payouts at transaction level, not entry level.
Amounts are unsigned. Always read CdtDbtInd, and check RvslInd, since a reversal flips the usual meaning of the indicator.
BookgDt and ValDt can differ, and BookgDt may carry DtTm instead of Dt. Pick one date rule for reconciliation and normalise time zones.
Multi-page statements use MsgPgntn or StmtPgntn with INTM sub-type balances. Merge pages and validate OPBD plus entries equals CLBD only on the full set.

How it compares

camt.053 is the ISO 20022 successor to MT940 and MT950. Unlike MT940, it separates parties, references and remittance into tagged XML fields instead of :86: free text. camt.052 covers intraday and pending activity. BAI2 remains common in North America for the same end-of-day job.

Polynopsis reads statement files like this one through a forwarding inbox and turns them into a live position alongside your API-connected accounts. See how it works.

Frequently asked questions

What is a camt.053 file?

camt.053 is the ISO 20022 BankToCustomerStatement message. It is XML, and it reports booked entries and balances for an account over a period, usually one business day. Each Stmt holds balances, entries and optional transaction details.

Which camt.053 balance code is the closing balance?

CLBD is the closing booked (ledger) balance. CLAV is the closing available balance. OPBD is the opening booked balance and should equal the previous statement's CLBD. Always read CdtDbtInd for the sign.

What is the difference between camt.052, camt.053 and camt.054?

camt.052 is an account report, often intraday, that can include pending entries. camt.053 is the statement of booked entries and balances. camt.054 is a debit or credit notification for individual entries, without a full statement.

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.053.001.02 (CGI version) · ING
Description of the camt.053.001.08 daily statement file format · mBank
CBPR+ roadmap beyond November 2025 (v6, September 2026) · Swift

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.

Book a demo →Learn more →