# 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.

- **Canonical URL:** https://stanzaapi.com/tools/iso20022-parser/messages/camt-053-bank-statement
- **Governing Standard:** ISO 20022 XML Financial Schemas (ISO 20022 Universal Financial Industry Message Scheme)
- **Latency:** <4ms Edge
- **Privacy:** In-memory execution only (zero data stored or logged)

## Technical Overview & Governing Rules
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.

## Specification Matrix
| 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 |

## Standard JSON Response Model
```json
{
  "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"
    }
  ]
}
```

## Frequently Asked Questions & Edge Cases
### Q: How are Bank Transaction Codes (BTC) structured in camt.053?
**A:** The parser extracts the 4-character ISO Domain Code, Family Code, and Subfamily Code (e.g. PMNT-RCDT-ESCT for SEPA Credit Transfer).