ISO 20022 Academy
camt · ISO 20022 message

camt.054

Bank-to-Customer Debit/Credit Notification — A single-event nudge: "one specific entry just hit your account."

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Full identifier
camt.054.001.08
MT predecessor
MT900 / MT910
Direction
Bank → Customer

Elements

DocumentBkToCstmrDbtCdtNtfctnGrpHdrMsgIdCreDtTmNtfctnIdAcctIBANOwnrNmNtryAmtCdtDbtIndStsCdBookgDtDtTmValDtDtNtryDtlsTxDtlsRefsEndToEndIdUETRRmtInfUstrd

Sample

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.054.001.08">
  <BkToCstmrDbtCdtNtfctn>
    <GrpHdr>
      <MsgId>HDFCINBB-NTF-20260627-77</MsgId>
      <CreDtTm>2026-06-27T15:02:11+05:30</CreDtTm>
    </GrpHdr>
    <Ntfctn>
      <Id>NTF-77-0042</Id>
      <Acct>
        <Id><IBAN>IN52HDFC0000123456789012</IBAN></Id>
        <Ownr><Nm>Sweety Rao</Nm></Ownr>
      </Acct>
      <Ntry>
        <Amt Ccy="USD">400.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Sts><Cd>BOOK</Cd></Sts>
        <BookgDt><DtTm>2026-06-27T15:02:00+05:30</DtTm></BookgDt>
        <ValDt><Dt>2026-06-27</Dt></ValDt>
        <NtryDtls><TxDtls>
          <Refs><EndToEndId>BOB-INV0042</EndToEndId><UETR>eb6305c9-1f7c-4a9b-9b1e-2c2f4e7a91d4</UETR></Refs>
          <RmtInf><Ustrd>Invoice 0042 - June freelance</Ustrd></RmtInf>
        </TxDtls></NtryDtls>
      </Ntry>
    </Ntfctn>
  </BkToCstmrDbtCdtNtfctn>
</Document>
Part of the ISO 20022 Dictionary — the reference layer of ISO 20022 Academy. Written by Revanth Sai Rayapati.