What is a camt.053 file?
camt.053 is the bank-to-customer statement of the ISO 20022 standard, the XML format European banks use for SEPA. Banks offer it as an .xml download, sometimes inside a .zip with one file per day. It carries the same information as an MT940 statement, with more room for names and references.
Each statement (Stmt) names the account by IBAN and lists balances: the opening booked balance (OPBD) and the closing booked balance (CLBD). Each booking is an entry (Ntry) with its amount, a credit or debit mark, its dates, and details of the payment.
The converter reads versions .001.02 to .001.08, checks each statement against its balances, splits batch bookings into their payments when they add up exactly, and writes one row per transaction.
Choose where it is going
- Excel (CSV)Convert a camt.053 file to Excel
- QuickBooks (.qbo Web Connect)Convert a camt.053 file to QuickBooks (QBO)
- Xero (CSV)Import a camt.053 statement into Xero
- OFXConvert a camt.053 file to OFX
Files from a specific bank
How to export from your bank
- In your online banking open the account and look for Statements, Export or Download.
- Choose camt.053 (sometimes called ISO 20022, XML statement or CAMT).
- Pick the period and download. Some banks give a .zip with one .xml per day; unzip it and upload one .xml at a time.
- Upload the .xml file here exactly as downloaded.
What to know about camt.053 files
- Versions camt.053.001.02 to .001.08 are read.
- One file can hold statements for several accounts. Each converted file holds one account in one currency; you choose which.
- Only booked entries are converted; pending entries are left out with a note.
- A batch booking (for example one line for several direct debits) is split into its payments when they add up exactly to the booked amount.
- We check every statement: the opening balance plus the entries must equal the closing balance. If it does not, you get a clear warning.
- camt.052 account reports and camt.054 notifications have their own file types (spreadsheet CSV only).
Questions
- How do I know nothing went missing?
- Every camt.053 statement carries an opening and a closing booked balance. The converter adds up the booked entries of each statement and compares the result with the closing balance. If they do not match, you see a warning that names the statement and the difference.
- What about pending entries and batch bookings?
- Only booked entries are converted; pending ones are left out with a note, because they are not part of the booked balance yet. A batch booking, such as one line for several direct debits, is split into its payments when they add up exactly to the booked amount, and kept as one line otherwise.
- My bank gave me camt.052 or camt.054. Can I use it?
- Yes, to look at it as a spreadsheet: choose camt.052 or camt.054 under "From" (the converter also detects them). Only the spreadsheet CSV is offered for these two, because their bookings come again in the camt.053 statement and importing both into your books would count them twice. For your books, convert the camt.053 statement. See the camt.052 and camt.054 pages for what is checked and what is not.
- How are rows counted for the free limit?
- For MT940 and camt.053 statements, each entry counts as a row, across all accounts in the file. Files up to 50 rows are free, and one $9 file pass covers every account in the same file.