camt · ISO 20022 message

camt.053

Bank-to-Customer Statement — The authoritative end-of-day statement — every booked entry plus opening and closing balances. The workhorse of reconciliation.

Open in the interactive Academy →

Full identifier: camt.053.001.08
MT predecessor: MT940
Direction: Bank → Customer

Elements

Document BkToCstmrStmt GrpHdr MsgId CreDtTm Stmt Id Acct IBAN Ownr Nm Bal Cd Amt CdtDbtInd Dt Ntry Sts BookgDt NtryDtls TxDtls Refs EndToEndId UETR

Sample

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.053.001.08">
  <BkToCstmrStmt>
    <GrpHdr>
      <MsgId>HDFCINBB-STMT-20260627</MsgId>
      <CreDtTm>2026-06-27T23:59:00+05:30</CreDtTm>
    </GrpHdr>
    <Stmt>
      <Id>STMT-20260627-IN52</Id>
      <Acct>
        <Id><IBAN>IN52HDFC0000123456789012</IBAN></Id>
        <Ownr><Nm>Sweety Rao</Nm></Ownr>
      </Acct>
      <Bal>
        <Tp><CdOrPrtry><Cd>CLBD</Cd></CdOrPrtry></Tp>
        <Amt Ccy="USD">400.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt><Dt>2026-06-27</Dt></Dt>
      </Bal>
      <Ntry>
        <Amt Ccy="USD">400.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Sts><Cd>BOOK</Cd></Sts>
        <BookgDt><Dt>2026-06-27</Dt></BookgDt>
        <NtryDtls><TxDtls>
          <Refs><EndToEndId>BOB-INV0042</EndToEndId><UETR>eb6305c9-1f7c-4a9b-9b1e-2c2f4e7a91d4</UETR></Refs>
        </TxDtls></NtryDtls>
      </Ntry>
    </Stmt>
  </BkToCstmrStmt>
</Document>

Part of the ISO 20022 Dictionary — the reference layer of ISO 20022 Academy. Written by Revanth Sai Rayapati.