My statement shows one line for many QR-bill payments. Can I see each payment?

Yes. Ask your bank for the camt.054 for that booking. The converter splits the batch into one row per payer, with the amount and the QR or creditor reference, as long as the payments add up exactly to the booked amount.

Why does everything land in one column in Excel?

Excel uses the list separator of your computer's region. In much of Europe that is a semicolon and the decimal mark is a comma. Choose the semicolon style and download again, or open the file through Data > From Text/CSV and pick the separator there.

Can I import this into QuickBooks or Xero?

Not from this page. The same money is on your account statement, often as one batch line, so importing both into one account would count it twice. Only the spreadsheet CSV is offered. Use it to match payments to invoices.

Are accents and umlauts kept?

Yes. The file is UTF-8 and starts with the marker Excel looks for, so names such as Müller or Société open correctly.

Convert a camt.054 notification to Excel

In short: A camt.054 file is the ISO 20022 XML debit or credit notification. Banks use it to tell you about single bookings, and to list each payment inside a batch booking, such as Swiss QR-bill credits that show as one line on the statement. A spreadsheet needs one row per transaction with plain columns: dates, a signed amount, the currency, who paid or was paid, the description and the running balance. Drop the file below. It is converted on your device and never uploaded.

Before you start: A batch booking is split into one row per payment when the payments add up exactly to the booked amount, and the creditor reference (QR reference, ISO creditor reference or ISR reference) goes into the Reference column. A camt.054 has no balances, so nothing is balance-checked. Its bookings are also on your account statement, so do not import both into one account. Excel can show a long number reference in scientific notation; set the Reference column to Text when you open the file. An independent reviewer ran it on 18 published camt.054 sample files (bank and standards-body examples and open-source test files from Switzerland, Germany, Sweden and Norway) and compared every row with the file. It has not been tested by importing into any accounting program, and no bank has confirmed it.

Convert your file

camt.054 to Excel (CSV)

Choose file

An .xml file from your bank's camt.054 (debit and credit notification, QR-bill or batch detail) download

Your file stays on this device

It is read and converted by this page, inside your browser. Nothing from the file is uploaded, and the converter keeps working offline once the page has loaded.

No file handy? or download the sample to look at it first.

The data in the sample is invented. It is converted on this device, the same way your own file would be.

1. Export the file from your bank

In your online banking or banking software look for camt.054, credit notifications, QR-bill or ISR credits, or batch booking details.
Download the .xml file. If it comes as a .zip, unzip it and upload one .xml at a time.
Upload the .xml file here exactly as downloaded.

Why a raw camt.054 export fails in Excel, Google Sheets or LibreOffice

Opened in Excel, a camt.054 file is a deep XML tree. The payer, amount and reference of each payment in a batch sit several levels down inside one entry, so there is no table to sort or match.

Excel and Google Sheets open a CSV directly, but only if it is a simple table. A bank statement file has to be turned into one first.

What is unusual about the camt.054 file

Versions camt.054.001.02 to .001.08 are read.
A notification has no balances, so it is never balance-checked; the result says so.
A batch booking is split into its payments when they add up exactly to the booked amount. The creditor reference (QR reference, ISO creditor reference SCOR or ISR reference) goes into the reference column.
Only booked entries are converted; pending entries are left out with a warning.
The same bookings are on your account statement. Do not import both into one account.
Only the spreadsheet CSV is offered.

What Excel, Google Sheets or LibreOffice requires

One row per transaction: Date, Value date, Amount, Currency, Debit/Credit, Counterparty, Counterparty account, Description, Reference, Balance.
Comma style: commas between columns and 1234.56 amounts. Semicolon style: semicolons and 1234,56 amounts.
Dates are written as YYYY-MM-DD unless you choose another format.
Text that starts with = + - or @ gets an apostrophe in front so a spreadsheet does not run it as a formula.

2. Before and after

Before: the camt.054 notification as downloaded

<?xml version="1.0" encoding="UTF-8"?>
<!-- CONSTRUCTED fixture (BooksReady, 2026-11-09): invented account, payers, references and amounts.
     Layout: ISO 20022 camt.054.001.04 element names as used in the SIX Implementation
     Guidelines for Cash Management v2.0.2 (Ntfctn without Bal; QR reference under
     RmtInf/Strd/CdtrRefInf/Tp/CdOrPrtry/Prtry QRR; ISO creditor reference Cd SCOR).
     Entry 1: one batch credit of 3 QR-bill payments (120.00 + 75.50 + 304.50 = 500.00), split.
     Entry 2: one SCOR credit of 42.00. Entry 3: a pending credit of 10.00, left out.
     The QR and SCOR references are invented; their check digits are not valid. -->
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.054.001.04">

After: what Excel, Google Sheets or LibreOffice receives

After: camt054-2026-03-12-to-2026-03-12-spreadsheet.csv
Date	Value date	Amount	Currency	Debit/Credit	Counterparty	Counterparty account	Description	Reference
2026-03-12	2026-03-12	120.00	CHF	Credit	Anna Beispiel	CH1100000000000000001	QRR reference 000000000000000000000100015	000000000000000000000100015
2026-03-12	2026-03-12	75.50	CHF	Credit	Bruno Probe		QRR reference 000000000000000000000100028	000000000000000000000100028
2026-03-12	2026-03-12	304.50	CHF	Credit	Carla Test SA		Order 88	000000000000000000000100031
2026-03-12	2026-03-12	42.00	CHF	Credit	Dora Muster		SCOR reference RF00INVOICE4711	RF00INVOICE4711

Synthetic sample data that follows the real export layout, not a real account. The "after" output was produced from it by the same converter this page runs.

3. Import the converted file into Excel, Google Sheets or LibreOffice

Open the downloaded file in Excel, Google Sheets or LibreOffice.
If every value lands in one column, use the semicolon style (for European Excel) or import it with Data > From Text/CSV.

Questions

My statement shows one line for many QR-bill payments. Can I see each payment?: Yes. Ask your bank for the camt.054 for that booking. The converter splits the batch into one row per payer, with the amount and the QR or creditor reference, as long as the payments add up exactly to the booked amount.
Why does everything land in one column in Excel?: Excel uses the list separator of your computer's region. In much of Europe that is a semicolon and the decimal mark is a comma. Choose the semicolon style and download again, or open the file through Data > From Text/CSV and pick the separator there.
Can I import this into QuickBooks or Xero?: Not from this page. The same money is on your account statement, often as one batch line, so importing both into one account would count it twice. Only the spreadsheet CSV is offered. Use it to match payments to invoices.
Are accents and umlauts kept?: Yes. The file is UTF-8 and starts with the marker Excel looks for, so names such as Müller or Société open correctly.

Convert a camt.054 notification to Excel

Convert your file

Your file

1. Export the file from your bank

Why a raw camt.054 export fails in Excel, Google Sheets or LibreOffice

What is unusual about the camt.054 file

What Excel, Google Sheets or LibreOffice requires

2. Before and after

Before: the camt.054 notification as downloaded

After: what Excel, Google Sheets or LibreOffice receives

3. Import the converted file into Excel, Google Sheets or LibreOffice

Questions

Other exports to Excel (CSV)