Cash Management

BankToCustomerAccountReportV08

camtarea
052message
001variant
08version

Cash Management

Intraday account report. Berlin Group lets an ASPSP return this instead of JSON from GET /transactions when you ask for it in the Accept header.

Then the technical flows

Schema versions

SWIFT and ISO publish successive XSD revisions of the same business message (e.g. pacs.008.001.08 → .10 → .13; same pattern for camt and pain). Markets pin one via a usage guideline (EPC SEPA, CBPR+, Swiss SPS…) and may add a country suffix (pacs.008.001.08.ch.02) — the Document xmlns must match that XSD.

ISO catalogue (XSD) ↗SWIFT / CBPR+ ↗SWIFT & versioning glossary →

Catalogue entry camt.052.001.08 (variant 001, version 08).

Facts

Root element
BkToCstmrAcctRpt
Direction
Bank → customer
Namespace
urn:iso:std:iso:20022:tech:xsd:camt.052.001.08
Variant (flavour)
001
Version
08
reportingintradaytransactionscamt

Elements a validator will insist on

Not the full XSD — the paths whose absence causes the rejections you actually see in production.

  • BkToCstmrAcctRpt/GrpHdr/MsgId
  • BkToCstmrAcctRpt/GrpHdr/CreDtTm
  • BkToCstmrAcctRpt/Rpt/Id
  • BkToCstmrAcctRpt/Rpt/Acct/Id

Usage in flows

ISO 20022 payload· XML

camt.052 account report

What a Berlin Group ASPSP may return from GET /transactions when you set Accept: application/xml. Bal with OPBD is opening booked, CLBD closing booked. Switch XML | JSON in the inspector without leaving this sample.

<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.052.001.08">
<BkToCstmrAcctRpt>
<GrpHdr>
<MsgId>RPT-20260812-0912</MsgId>
<CreDtTm>2026-08-12T09:30:00</CreDtTm>
</GrpHdr>
<Rpt>
<Id>RPT-ACC-3F9A2B7E-20260812</Id>
<CreDtTm>2026-08-12T09:30:00</CreDtTm>
<Acct>
<Id>
<IBAN>FR7630006000011234567890189</IBAN>
</Id>
<Ccy>EUR</Ccy>
<Svcr>
<FinInstnId>
<BICFI>DEMOFRPPXXX</BICFI>
</FinInstnId>
</Svcr>
</Acct>
<Bal>
<Tp>
<CdOrPrtry>
<Cd>OPBD</Cd>
</CdOrPrtry>
</Tp>
<Amt Ccy="EUR">4820.35</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<Dt>
<Dt>2026-08-12</Dt>
</Dt>
</Bal>
<Ntry>
<NtryRef>ENT-0000441</NtryRef>
<Amt Ccy="EUR">1250.00</Amt>
<CdtDbtInd>DBIT</CdtDbtInd>
<Sts>
<Cd>BOOK</Cd>
</Sts>
<BookgDt>
<Dt>2026-08-12</Dt>
</BookgDt>
<ValDt>
<Dt>2026-08-13</Dt>
</ValDt>
<BkTxCd>
<Domn>
<Cd>PMNT</Cd>
<Fmly>
<Cd>ICDT</Cd>
<SubFmlyCd>ESCT</SubFmlyCd>
</Fmly>
</Domn>
</BkTxCd>
<NtryDtls>
<TxDtls>
<Refs>
<EndToEndId>E2E-2026-0842</EndToEndId>
</Refs>
<RltdPties>
<Cdtr>
<Pty>
<Nm>Atelier Rousseau SARL</Nm>
</Pty>
</Cdtr>
</RltdPties>
<RmtInf>
<Ustrd>Facture 2026-0842</Ustrd>
</RmtInf>
</TxDtls>
</NtryDtls>
</Ntry>
</Rpt>
</BkToCstmrAcctRpt>
</Document>
49 elementsdepth 9camt.052.001.081584 charsxml
Open in Try editor →

Edit in the XML / JSON tab, then run the check.