What is the difference between camt.053 and camt.054?
camt.053 is BankToCustomerStatement (BkToCstmrStmt / Stmt). camt.054 is BankToCustomerDebitCreditNotification (BkToCstmrDbtCdtNtfctn / Ntfctn). This site validates .001.02 and .001.08 of each.
camt.053 vs camt.054
camt.053 is a bank-to-customer statement. camt.054 is a bank-to-customer debit/credit notification. This checker validates .001.02 and .001.08 of both against the official ISO 20022 schemas, then reads statement or notification entries into the same JSON shape.
Elements this checker uses
| camt.053 | camt.054 | |
|---|---|---|
| Message name | BankToCustomerStatement | BankToCustomerDebitCreditNotification |
| Document element | BkToCstmrStmt | BkToCstmrDbtCdtNtfctn |
| Repeated block | Stmt | Ntfctn |
| Versions checked here | camt.053.001.02, camt.053.001.08 | camt.054.001.02, camt.054.001.08 |
| Bundled .001.08 sample | Balances OPBD 1000.00 EUR and CLBD 1104.50 EUR | No Bal elements, so balances is empty. First entry endToEndId E2E-054-08 |
Both samples are read by the same entry path: Ntry, and NtryDtls/TxDtls when those details exist. Bal is copied when the element is present. The camt.054 sample simply does not contain one.
Check a file
curl -F "file=@camt053.xml" https://checksepa.com/v1/camt/validatecurl -F "file=@camt053.xml" "https://checksepa.com/v1/camt/convert?format=json"Questions
Which sample has opening and closing balances?
The bundled camt.053.001.08 sample converts to balances OPBD 1000.00 EUR on 2026-10-01 and CLBD 1104.50 EUR on 2026-10-02. The bundled camt.054.001.08 sample converts to an empty balances array.
Does an empty balances array mean camt.054 forbids Bal?
No. The converter reads Bal on both Stmt and Ntfctn. The empty array is what the bundled camt.054.001.08 file contains.