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Latency: <4ms Edge Availability: 99.99% Standard: camt.053.001.08 V8 Pure Compute

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.

View Pricing & SLA → ⚡ Test in Live Workbench ← Back to ISO 20022 Financial Message Parser & Validator API
Official Regulatory Standard & Verification Protocol Authority: ISO 20022 Universal Financial Industry Message Scheme ↗

Quick Technical Summary: Parse end-of-day camt.053 electronic bank statement files, balances, and line item transactions into JSON. Implementation conforms to ISO 20022 XML Financial Schemas.

Execution SLA
<4ms Edge (Cloudflare V8)
Governing Norm
camt.053.001.08
Throughput Limit
512 KB / Payload
Data Privacy
100% In-Memory (Zero Store)

Specification & Structural Breakdown

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 PathDescriptionExtracted JSON FieldStandard
Stmt/Bal/Tp/CdOrPrtry/CdBalance Typebalances[].typeOPBD / CLBD / CLAV
Stmt/Bal/AmtBalance Amount & Currencybalances[].amountCurrency + Value
Stmt/Ntry/AmtEntry Amountentries[].amountTransaction amount
Stmt/Ntry/CdtDbtIndCredit / Debit Indicatorentries[].creditDebitCRDT / DBIT
Stmt/Ntry/BkTxCdBank Transaction Codeentries[].bankTransactionCodeDomain / Family / Subfamily
Interactive Edge Validator

Test ISO 20022 camt.053 Bank-to-Customer Account Statement Parser Live

Paste raw inputs up to 32KB and inspect deterministic parsed JSON in real-time across 330+ Cloudflare edge locations. Pure compute, zero cold-starts.

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Parsed JSON Response Model

The edge microservice transforms input payloads into strongly-typed hierarchical JSON with zero cold starts:

HTTP 200 JSON Payload 
{
  "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"
    }
  ]
}

Copy-Paste Integration Code

Integrate this validator directly into your application using your production API key:

cURL 
curl --request POST \
  --url "https://iso-20022-financial-message-parser-validator.stanzaapi.com/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>"
}'
Node.js (Fetch) 
const response = await fetch("https://iso-20022-financial-message-parser-validator.stanzaapi.com/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);
Python (Requests) 
import requests
import json

url = "https://iso-20022-financial-message-parser-validator.stanzaapi.com/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())
Go 
package main

import (
	"bytes"
	"fmt"
	"io"
	"net/http"
	"os"
)

func main() {
	url := "https://iso-20022-financial-message-parser-validator.stanzaapi.com/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))
}

Frequently Asked Questions & Technical Notes

How are Bank Transaction Codes (BTC) structured in camt.053?

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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