ISO 20022 camt.053 Bank-to-Customer Account Statement Parser
Parse end-of-day camt.053 electronic bank statement files, balances, and line item transactions into JSON. This specification documents the exact field layout, checksum rules, and validation behavior so your integration matches ISO 20022 XML Financial Schemas without reading the source standard.
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{
"status": "Click RUN VALIDATION to execute on the Cloudflare edge..."
}Quick Summary: Parse end-of-day camt.053 electronic bank statement files, balances, and line item transactions into JSON. Validates strictly against ISO 20022 XML Financial Schemas with sub-5ms in-memory response times.
Specification & Structural Breakdown
Technical Summary: Validates strictly against ISO 20022 XML Financial Schemas. Payloads are parsed in memory and return clean, typed JSON in milliseconds with zero data logged.
The camt.053 (Bank-to-Customer Statement) message is the ISO 20022 replacement for legacy SWIFT MT940 statement files.
Extracts Opening Booked (OPBD), Closing Booked (CLBD), and Interim Available (ITAV) balance amounts and dates.
Iterates over statement Entry (Ntry) elements capturing Booking Date, Credit/Debit Indicator (CRDT/DBIT), Bank Transaction Codes (Domain/Family/Subfamily), and Remittance data.
| XML Path | Description | Extracted JSON Field | Standard |
|---|---|---|---|
| Stmt/Bal/Tp/CdOrPrtry/Cd | Balance Type | balances[].type | OPBD / CLBD / CLAV |
| Stmt/Bal/Amt | Balance Amount & Currency | balances[].amount | Currency + Value |
| Stmt/Ntry/Amt | Entry Amount | entries[].amount | Transaction amount |
| Stmt/Ntry/CdtDbtInd | Credit / Debit Indicator | entries[].creditDebit | CRDT / DBIT |
| Stmt/Ntry/BkTxCd | Bank Transaction Code | entries[].bankTransactionCode | Domain / Family / Subfamily |
Parsed JSON Response Model
The edge microservice transforms input payloads into strongly-typed hierarchical JSON envelopes with sub-5ms latency:
{
"messageType": "camt.053.001.08",
"account": {
"iban": "CH9300762011623852957",
"currency": "CHF"
},
"openingBalance": {
"type": "OPBD",
"amount": 540200,
"date": "2026-08-01"
},
"closingBalance": {
"type": "CLBD",
"amount": 620500,
"date": "2026-08-31"
},
"entries": [
{
"bookingDate": "2026-08-15",
"amount": 80300,
"creditDebit": "CRDT",
"reference": "INVOICE-88129"
}
]
}Sample file
Copy or download this validated ISO 20022 sample. It is parsed by the production engine in the test suite, so it works as a fixture as-is.
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.053.001.08"><BkToCstmrStmt><GrpHdr><MsgId>STMT-2026-08</MsgId><CreDtTm>2026-08-31T23:59:59Z</CreDtTm></GrpHdr><Stmt><Id>STMT-001</Id><Acct><Id><IBAN>DE89370400440532013000</IBAN></Id><Ccy>EUR</Ccy></Acct><Bal><Tp><CdOrPrtry><Cd>OPBD</Cd></CdOrPrtry></Tp><Amt Ccy="EUR">500000.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><Dt><Dt>2026-08-01</Dt></Dt></Bal><Bal><Tp><CdOrPrtry><Cd>CLBD</Cd></CdOrPrtry></Tp><Amt Ccy="EUR">650000.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><Dt><Dt>2026-08-31</Dt></Dt></Bal><Ntry><Amt Ccy="EUR">150000.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><Sts><Cd>BOOK</Cd></Sts><BkTxCd><Domn><Cd>PMNT</Cd><Fmly><Cd>RCDT</Cd><SubFmlyCd>ESCT</SubFmlyCd></Fmly></Domn></BkTxCd><NtryDtls><TxDtls><Refs><EndToEndId>INV-2026-9901</EndToEndId></Refs><RltdPties><Dbtr><Nm>GLOBAL CLIENT GMBH</Nm></Dbtr></RltdPties></TxDtls></NtryDtls></Ntry></Stmt></BkToCstmrStmt></Document>Copy-Paste Integration Code (6 Languages)
Integrate ISO 20022 camt.053 Bank-to-Customer Account Statement Parser directly into your production application with native, zero-dependency code snippets in cURL, Node.js, Python, Go, C#, and a ready-to-paste Claude prompt. Get a free API key → (no credit card required):
curl --request POST \
--url "https://api.stanzaapi.com/iso20022-parser/api/v1/iso20022/parse" \
--header "Content-Type: application/json" \
--header "x-api-key: YOUR_API_KEY" \
--data '{
"rawXml": "<Document xmlns=\"urn:iso:std:iso:20022:tech:xsd:pacs.008.001.08\"><FIToFICstmrCdtTrf><GrpHdr><MsgId>MSG20260830-01</MsgId><CreDtTm>2026-08-30T12:00:00Z</CreDtTm><NbOfTxs>1</NbOfTxs><SttlmInf><SttlmMtd>CLRG</SttlmMtd></SttlmInf></GrpHdr><CdtTrfTxInf><PmtId><EndToEndId>E2E-991823</EndToEndId><UETR>eb9b1248-8422-441a-8c85-80252f9b8830</UETR></PmtId><IntrBkSttlmAmt Ccy=\"EUR\">150000.00</IntrBkSttlmAmt><Dbtr><Nm>ACME CORP</Nm></Dbtr><DbtrAcct><Id><IBAN>DE89370400440532013000</IBAN></Id></DbtrAcct><DbtrAgt><FinInstnId><BICFI>DBEUMM21XXX</BICFI></FinInstnId></DbtrAgt><CdtrAgt><FinInstnId><BICFI>BNPAFRPPXXX</BICFI></FinInstnId></CdtrAgt><Cdtr><Nm>GLOBAL LOGISTICS SAS</Nm></Cdtr><CdtrAcct><Id><IBAN>FR7630006000011234567890189</IBAN></Id></CdtrAcct></CdtTrfTxInf></FIToFICstmrCdtTrf></Document>"
}'const response = await fetch("https://api.stanzaapi.com/iso20022-parser/api/v1/iso20022/parse", {
method: "POST",
headers: {
"Content-Type": "application/json",
"x-api-key": process.env.API_KEY || "YOUR_API_KEY"
},
body: JSON.stringify({
"rawXml": "<Document xmlns=\"urn:iso:std:iso:20022:tech:xsd:pacs.008.001.08\"><FIToFICstmrCdtTrf><GrpHdr><MsgId>MSG20260830-01</MsgId><CreDtTm>2026-08-30T12:00:00Z</CreDtTm><NbOfTxs>1</NbOfTxs><SttlmInf><SttlmMtd>CLRG</SttlmMtd></SttlmInf></GrpHdr><CdtTrfTxInf><PmtId><EndToEndId>E2E-991823</EndToEndId><UETR>eb9b1248-8422-441a-8c85-80252f9b8830</UETR></PmtId><IntrBkSttlmAmt Ccy=\"EUR\">150000.00</IntrBkSttlmAmt><Dbtr><Nm>ACME CORP</Nm></Dbtr><DbtrAcct><Id><IBAN>DE89370400440532013000</IBAN></Id></DbtrAcct><DbtrAgt><FinInstnId><BICFI>DBEUMM21XXX</BICFI></FinInstnId></DbtrAgt><CdtrAgt><FinInstnId><BICFI>BNPAFRPPXXX</BICFI></FinInstnId></CdtrAgt><Cdtr><Nm>GLOBAL LOGISTICS SAS</Nm></Cdtr><CdtrAcct><Id><IBAN>FR7630006000011234567890189</IBAN></Id></CdtrAcct></CdtTrfTxInf></FIToFICstmrCdtTrf></Document>"
})
});
const data = await response.json();
console.log(data);import requests
import json
url = "https://api.stanzaapi.com/iso20022-parser/api/v1/iso20022/parse"
headers = {
"Content-Type": "application/json",
"x-api-key": "YOUR_API_KEY"
}
payload = {
"rawXml": "<Document xmlns=\"urn:iso:std:iso:20022:tech:xsd:pacs.008.001.08\"><FIToFICstmrCdtTrf><GrpHdr><MsgId>MSG20260830-01</MsgId><CreDtTm>2026-08-30T12:00:00Z</CreDtTm><NbOfTxs>1</NbOfTxs><SttlmInf><SttlmMtd>CLRG</SttlmMtd></SttlmInf></GrpHdr><CdtTrfTxInf><PmtId><EndToEndId>E2E-991823</EndToEndId><UETR>eb9b1248-8422-441a-8c85-80252f9b8830</UETR></PmtId><IntrBkSttlmAmt Ccy=\"EUR\">150000.00</IntrBkSttlmAmt><Dbtr><Nm>ACME CORP</Nm></Dbtr><DbtrAcct><Id><IBAN>DE89370400440532013000</IBAN></Id></DbtrAcct><DbtrAgt><FinInstnId><BICFI>DBEUMM21XXX</BICFI></FinInstnId></DbtrAgt><CdtrAgt><FinInstnId><BICFI>BNPAFRPPXXX</BICFI></FinInstnId></CdtrAgt><Cdtr><Nm>GLOBAL LOGISTICS SAS</Nm></Cdtr><CdtrAcct><Id><IBAN>FR7630006000011234567890189</IBAN></Id></CdtrAcct></CdtTrfTxInf></FIToFICstmrCdtTrf></Document>"
}
response = requests.post(url, json=payload, headers=headers)
print(response.json())package main
import (
"bytes"
"fmt"
"io"
"net/http"
"os"
)
func main() {
url := "https://api.stanzaapi.com/iso20022-parser/api/v1/iso20022/parse"
payload := []byte(`{"rawXml":"<Document xmlns=\"urn:iso:std:iso:20022:tech:xsd:pacs.008.001.08\"><FIToFICstmrCdtTrf><GrpHdr><MsgId>MSG20260830-01</MsgId><CreDtTm>2026-08-30T12:00:00Z</CreDtTm><NbOfTxs>1</NbOfTxs><SttlmInf><SttlmMtd>CLRG</SttlmMtd></SttlmInf></GrpHdr><CdtTrfTxInf><PmtId><EndToEndId>E2E-991823</EndToEndId><UETR>eb9b1248-8422-441a-8c85-80252f9b8830</UETR></PmtId><IntrBkSttlmAmt Ccy=\"EUR\">150000.00</IntrBkSttlmAmt><Dbtr><Nm>ACME CORP</Nm></Dbtr><DbtrAcct><Id><IBAN>DE89370400440532013000</IBAN></Id></DbtrAcct><DbtrAgt><FinInstnId><BICFI>DBEUMM21XXX</BICFI></FinInstnId></DbtrAgt><CdtrAgt><FinInstnId><BICFI>BNPAFRPPXXX</BICFI></FinInstnId></CdtrAgt><Cdtr><Nm>GLOBAL LOGISTICS SAS</Nm></Cdtr><CdtrAcct><Id><IBAN>FR7630006000011234567890189</IBAN></Id></CdtrAcct></CdtTrfTxInf></FIToFICstmrCdtTrf></Document>"}`)
req, _ := http.NewRequest("POST", url, bytes.NewBuffer(payload))
req.Header.Add("Content-Type", "application/json")
req.Header.Add("x-api-key", os.Getenv("API_KEY"))
res, err := http.DefaultClient.Do(req)
if err != nil {
panic(err)
}
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}using System;
using System.Net.Http;
using System.Text;
using System.Threading.Tasks;
class Program
{
static async Task Main()
{
using var client = new HttpClient();
client.DefaultRequestHeaders.Add("x-api-key", Environment.GetEnvironmentVariable("API_KEY") ?? "YOUR_API_KEY");
var json = @"{""rawXml"":""<Document xmlns=\""urn:iso:std:iso:20022:tech:xsd:pacs.008.001.08\""><FIToFICstmrCdtTrf><GrpHdr><MsgId>MSG20260830-01</MsgId><CreDtTm>2026-08-30T12:00:00Z</CreDtTm><NbOfTxs>1</NbOfTxs><SttlmInf><SttlmMtd>CLRG</SttlmMtd></SttlmInf></GrpHdr><CdtTrfTxInf><PmtId><EndToEndId>E2E-991823</EndToEndId><UETR>eb9b1248-8422-441a-8c85-80252f9b8830</UETR></PmtId><IntrBkSttlmAmt Ccy=\""EUR\"">150000.00</IntrBkSttlmAmt><Dbtr><Nm>ACME CORP</Nm></Dbtr><DbtrAcct><Id><IBAN>DE89370400440532013000</IBAN></Id></DbtrAcct><DbtrAgt><FinInstnId><BICFI>DBEUMM21XXX</BICFI></FinInstnId></DbtrAgt><CdtrAgt><FinInstnId><BICFI>BNPAFRPPXXX</BICFI></FinInstnId></CdtrAgt><Cdtr><Nm>GLOBAL LOGISTICS SAS</Nm></Cdtr><CdtrAcct><Id><IBAN>FR7630006000011234567890189</IBAN></Id></CdtrAcct></CdtTrfTxInf></FIToFICstmrCdtTrf></Document>""}";
var payload = new StringContent(json, Encoding.UTF8, "application/json");
var response = await client.PostAsync("https://api.stanzaapi.com/iso20022-parser/api/v1/iso20022/parse", payload);
var content = await response.Content.ReadAsStringAsync();
Console.WriteLine(content);
}
}Integrate the StanzaAPI iso20022-parser micro-API.
Endpoint: POST https://api.stanzaapi.com/iso20022-parser/api/v1/iso20022/parse
Auth header: x-api-key: YOUR_API_KEY
Content-Type: application/json
Request body:
{
"rawXml": "<Document xmlns=\"urn:iso:std:iso:20022:tech:xsd:pacs.008.001.08\"><FIToFICstmrCdtTrf><GrpHdr><MsgId>MSG20260830-01</MsgId><CreDtTm>2026-08-30T12:00:00Z</CreDtTm><NbOfTxs>1</NbOfTxs><SttlmInf><SttlmMtd>CLRG</SttlmMtd></SttlmInf></GrpHdr><CdtTrfTxInf><PmtId><EndToEndId>E2E-991823</EndToEndId><UETR>eb9b1248-8422-441a-8c85-80252f9b8830</UETR></PmtId><IntrBkSttlmAmt Ccy=\"EUR\">150000.00</IntrBkSttlmAmt><Dbtr><Nm>ACME CORP</Nm></Dbtr><DbtrAcct><Id><IBAN>DE89370400440532013000</IBAN></Id></DbtrAcct><DbtrAgt><FinInstnId><BICFI>DBEUMM21XXX</BICFI></FinInstnId></DbtrAgt><CdtrAgt><FinInstnId><BICFI>BNPAFRPPXXX</BICFI></FinInstnId></CdtrAgt><Cdtr><Nm>GLOBAL LOGISTICS SAS</Nm></Cdtr><CdtrAcct><Id><IBAN>FR7630006000011234567890189</IBAN></Id></CdtrAcct></CdtTrfTxInf></FIToFICstmrCdtTrf></Document>"
}
Rules:
- Send the request with a 2-second timeout.
- Parse the standard envelope { success, data, meta: { latency_ms, version } }.
- On failure, read { success: false, error, code } and branch on the code.
- Do not retry 4xx responses; surface the error code to the caller.
- Treat invalid-but-well-formed payloads as HTTP 200 with data.valid === false.Frequently Asked Questions & Technical Notes
The parser extracts the 4-character ISO Domain Code, Family Code, and Subfamily Code (e.g. PMNT-RCDT-ESCT for SEPA Credit Transfer).
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