Cash Management

BankToCustomerStatementV08

camtarea
053message
001variant
08version

Cash Management

End-of-day statement. Closing booked balance is authoritative; intraday reports are not.

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.053.001.08 (variant 001, version 08).

Facts

Root element
BkToCstmrStmt
Direction
Bank → customer
Namespace
urn:iso:std:iso:20022:tech:xsd:camt.053.001.08
Variant (flavour)
001
Version
08
statementreconciliationend of daycamt

Elements a validator will insist on

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

  • BkToCstmrStmt/GrpHdr/MsgId
  • BkToCstmrStmt/Stmt/Id
  • BkToCstmrStmt/Stmt/Acct/Id
  • BkToCstmrStmt/Stmt/Bal

ISO 20022 payload· XML

camt.053 end-of-day statement

Bank-to-customer statement with closing booked balance. Switch XML | JSON in the inspector without leaving this sample.

<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.053.001.08">
<BkToCstmrStmt>
<GrpHdr>
<MsgId>CAMT53-20260812-001</MsgId>
<CreDtTm>2026-08-12T23:05:00</CreDtTm>
</GrpHdr>
<Stmt>
<Id>STMT-20260812</Id>
<CreDtTm>2026-08-12T23:05:00</CreDtTm>
<Acct>
<Id>
<IBAN>FR7630006000011234567890189</IBAN>
</Id>
</Acct>
<Bal>
<Tp>
<CdOrPrtry>
<Cd>CLBD</Cd>
</CdOrPrtry>
</Tp>
<Amt Ccy="EUR">4820.15</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<Dt>
<Dt>2026-08-12</Dt>
</Dt>
</Bal>
<Ntry>
<Amt Ccy="EUR">42.50</Amt>
<CdtDbtInd>DBIT</CdtDbtInd>
<Sts>
<Cd>BOOK</Cd>
</Sts>
<BookgDt>
<Dt>2026-08-12</Dt>
</BookgDt>
<BkTxCd>
<Domn>
<Cd>PMNT</Cd>
<Fmly>
<Cd>ICDT</Cd>
<SubFmlyCd>ESCT</SubFmlyCd>
</Fmly>
</Domn>
</BkTxCd>
<NtryDtls>
<TxDtls>
<Refs>
<EndToEndId>E2E-INST-2026-0042</EndToEndId>
</Refs>
</TxDtls>
</NtryDtls>
</Ntry>
</Stmt>
</BkToCstmrStmt>
</Document>
36 elementsdepth 7camt.053.001.081107 charsxml
Open in Try editor →

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