A Practical Guide to the Bank Statement CAMT.053 Format

Following on from the posts about the BAI2 and MT940 bank statement formats, I have had a few requests to provide an overview of the camt.053 format. I will not go into the details of each tag within the CAMT.053 format – for that you should ask your bank(s) to provide you with a detailed CAMT.053 specification and an example CAMT.053 file so you (and your source systems) know exactly what to expect. What i will share in this CAMT.053 format overview is the information you need in order to read and understand the example CAMT.053 file.

So, here goes…

What is a CAMT.053?

  • CAMT.053 is a Bank to Customer Statement, essentially providing you with a prior or previous day statement of your account
  • CAMT.053 will indicate all entries booked to the account for the previous business day
  • CAMT.053 is an updated and standardised version of the MT940 and prior-day BAI2 bank statement formats

To know the difference between a camt.052, camt.053 and camt.054, read this!

CAMT.053 – File Structure:

Each CAMT.053 file consists of:

  • CAMT.053
    • Group Header
      • Statement – There will be at least 1 Statement (for each account)
        • Balance – Contains the Opening and Closing Balance
        • Entry – There may be multiple entries
          • Entry details – There may be multiple entry details
            • Batch 
            • Transaction details
      • End of Statement

CAMT.053 – Supported XML Characters:

a b c d e f g h i j k l m n o p q r s t u v w x y z
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
0 1 2 3 4 5 6 7 8 9
/ – ? : ( ) . , ‘ +
Space

CAMT.053 Format Description:

The following will provide an overview of what information to expect to see within each section of the CAMT.053 file. Keep in mind that most of the below tags will expand to reveal additional / in-depth information about the tag. Please do consult your bank and request their specification and a sample file to understand exactly how your bank is generating the camt.053 bank statement format.

CAMT.053 Specification – Group Header:

Group Header:

  • <MsgId> – Message Identification
  • <CreDtTm> – Creation Date / Time Stamp
  • <MsgRcpt> – Message Recipient
  • <MsgPgntn> – Message Pagination

CAMT.053 Specification – Statement:

Statement:

  • <Id> – Unique identifier
  • <ElctrncSeqNb> – Electronic Sequence Number
  • <CreDtTm> – Creation Date / Time Stamp of the Statement record
  • <FrToDt> – From Date
  • <Acct> – Account
  • <Bal> – Balance – See details below
  • <Ntry> – Entry

CAMT.053 Specification – Balance:

Balance:

  • <Tp> – Type
    • Codes include:
      • OPBD – Opening balance
      • CLBD – Closing balance
      • CLAV – Closing available balance
      • OPAV – Opening available balance
      • PRCD – Last closing balance
      • ITBD – Interim booked
  • <Amt> – Balance amount with currency
  • <CdtDbtInd> – Credit / Debit Indicator
    • Valid values:
      • DBIT – Debit Balance
      • CRDT – Credit Balance
  • <Dt> – Date

CAMT.053 Specification – Entry:

Entry:

  • <Amt> – Transaction amount and currency
  • <CdtDbtInd> – Debit / Credit Indicator
    • Valid values:
      • DBIT – Debit Balance
      • CRDT – Credit Balance
  • <Sts> – Status
  • <BookgDt> Booking date – when entry is posted to the account
  • <Dt> – Transaction date
  • <ValDt> – Value date
  • <Dt> – Value date of the transaction
  • <AcctSvcrRef> – Account servicer reference
  • <BkTxCd> – Bank transaction code
  • <AddtlInfInd> – Additional information indicator
  • <MsgNmId> – Message name identification
  • <NtryDtls> – Entry details – See details below….
  • <AddtlNtryInf> – Additional Entry Information

 

CAMT.053 Specification – Entry Details:

Entry Details:

  • <Btch> – Batch – See details below…
  • <TxDtls>- Transaction Details – See details below…

CAMT.053 Specification – Batch:

Batch:

  • <MsgId> – Message Id
  • <PmtInfId> – Payment information identification
  • <NbOfTxs> Number of transactions in batch
  • <TtlAmt> – Total amount of batched transactions
  • <CdtDbtInd> – Credit / Debit Indicator
    • Valid values:
      • DBIT – Debit Balance
      • CRDT – Credit Balance

CAMT.053 Specification – Transaction Details:

Thanks for stopping by – Take a look around…!!

Transaction Details:

  • <Refs> – References
  • <MsgId> – Message Id from the incoming SEPA transaction (in PAIN.001)
    • <PmtInfId> – Payment Information Id from the incoming SEPA transaction (in PAIN.001)
    • <EndToEndId> – End to End Identification from the incoming SEPA payment
    • <TxId> – Transaction Identification
    • <MndtId> – Mandate Identification – for SEPA Direct Debit transactions
  • <AmtDtls> – Amount details
  • <InstdAmt> – Instructed amount
  • <BkTxCd> – Bank transaction code
  • <Chrgs> – Charges
  • <Intrst> – Interest
  • <RltdPties> – Related parties – i.e. name/address of initiating party and ordering party and their bank details
  • <RltdAgts> – Related agents – i.e. debtor agent and creditor agent bank details
  • <Purp> – Purpose – Reason for the transaction
  • <RmtInf> – Remittance Information
    • <Ustrd> – Unstructured
    • <Strd> – Structured
  • <RltdDts> – Related dates
  • <RtrInf> – Return Information
  • <AddtlTxInf> – Additional Transaction Information

Hope that helps. Please let me know if you have any pressing questions…!

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