# Free camt.053 Bank Statement XML to CSV & Excel Converter
> Transform hierarchical ISO 20022 camt.053 bank-to-customer statements into flat, spreadsheet-ready CSV tables for financial reconciliation, treasury auditing, and accounting.

- **Canonical URL:** https://stanzaapi.com/tools/iso20022-parser/converter/camt-053-to-csv
- **Governing Standard:** ISO 20022 XML Financial Schemas (ISO 20022 Universal Financial Industry Message Scheme)
- **Edge Latency SLA:** <3ms Edge (Cloudflare V8 Isolates)
- **Execution Model:** Pure compute $f(x) = y$, 100% In-Memory (Zero Store, Zero Log)

## Technical Overview & Governing Rules
Flattens nested XML statement loops (GrpHdr -> Stmt -> Ntry -> TxDtls) into structured rows compatible with Microsoft Excel and Google Sheets.

Extracts ISO Bank Transaction Codes (Domain, Family, Subfamily) alongside debtor and creditor information.

Runs securely in edge compute with zero client data retention.

## Specification Matrix
| CSV Column | Source XML XPath | Description |
| --- | --- | --- |
| Statement ID | Stmt/Id | Unique bank statement identifier |
| Account IBAN | Stmt/Acct/Id/IBAN | Account number in ISO 13616 format |
| Booking Date | Stmt/Ntry/BookgDt/Dt | Accounting value date |
| Amount | Stmt/Ntry/Amt | Transaction value in account currency |
| Credit/Debit | Stmt/Ntry/CdtDbtInd | CRDT (credit) or DBIT (debit) |
| Bank Transaction Code | Stmt/Ntry/BkTxCd/Domn/Cd | Standardized ISO transaction classification |
| End to End ID | Stmt/Ntry/NtryDtls/TxDtls/Refs/EndToEndId | Remittance tracking reference |

## Standard JSON Response Model
```json
{
  "format": "csv",
  "columns": [
    "StatementId",
    "IBAN",
    "BookingDate",
    "Amount",
    "CreditDebit",
    "TransactionCode",
    "EndToEndId"
  ],
  "sampleRow": [
    "STMT-001",
    "DE89370400440532013000",
    "2026-08-15",
    "80300.00",
    "CRDT",
    "PMNT-RCDT-ESCT",
    "INVOICE-88129"
  ]
}
```

## Frequently Asked Questions & Edge Cases
### Q: Why convert camt.053 to CSV?
**A:** camt.053 is an XML standard intended for automated ERP interchange. Treasury and finance teams frequently require tabular CSV/Excel files for manual auditing, bank reconciliation, and cash reporting.