Bank to customer account report provides a comprehensive, structured intraday data of account activity for reconciliation, cash management, and financial reporting.

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By default, the report will be a summary of the account and the current balances. To include transactional data, make sure to set includeTransactions to TRUE. Transactions will be sorted by the newest transaction first. When using the synchronous endpoint with cursor-based pagination, the recordsand recordCount fields refer to the amount of transactions returned. If transactions are not included, the fields will be emptyor return 0, respectively.

The report can be retrieved by Report On Request (asynchronous) or Cursor-based pagination (synchronous):

Supported Formats

The report is available in the following formats:

CSV - Flat, tabular format suitable for spreadsheets and simple integrations.
JSON - Structured format optimized for system-to-system integrations.
CAMT.052.001.08 (ISO 20022) - Standardized XML format for financial messaging and enterprise-grade integrations.

Report Content

The Bank To Customer Account Report includes:

Account identification and metadata
Interim Available Balance (ITAV) and Interim Booked Balance (ITBD)
Booked transactions
Transaction details, including:
- Amount
- Currency
- Transaction date and value date
- Transaction references
- Counterparty information

Balances

Balance	Description
ITAV - Interim Available Balance (Intraday)	Available balance calculated in the course of Banking Circle's business day, at the time specified, and subject to further changes during the business day. The interim balance is calculated on the basis of booked credit and debit items during the calculation time/period specified. Entries are included based on whether the Transaction Date falls within the specified time/period. Entries with a Value Date beyond the specified time/period are excluded.
ITBD - Interim Booked Balance (Intraday)	Balance calculated in the course of Banking Circle's business day, at the time specified, and subject to further changes during the business day. The interim balance is calculated on the basis of booked credit and debit items during the calculation time/period specified. Entries are included based on whether the Transaction Date falls within the specified time/period.

Balance

Description

ITAV - Interim Available Balance (Intraday)

Available balance calculated in the course of Banking Circle's business day, at the time specified, and subject to further changes during the business day. The interim balance is calculated on the basis of booked credit and debit items during the calculation time/period specified.

Entries are included based on whether the Transaction Date falls within the specified time/period. Entries with a Value Date beyond the specified time/period are excluded.

ITBD - Interim Booked Balance (Intraday)

Balance calculated in the course of Banking Circle's business day, at the time specified, and subject to further changes during the business day. The interim balance is calculated on the basis of booked credit and debit items during the calculation time/period specified.

Entries are included based on whether the Transaction Date falls within the specified time/period.

Properties

Logical Property	Description	CAMT.052 XPath	JSON	CSV
Header
Message Identification	Unique message identifier.	/Document/BkToCstmrAcctRpt/GrpHdr/MsgId	context.header.messageIdentification	MESSAGE_IDENTIFICATION
Group Creation Date Time	Message creation timestamp.	/Document/BkToCstmrAcctRpt/GrpHdr/CreDtTm	context.header.creationDateTime	GROUP_CREATION_DATETIME
Group Additional Information	Additional header info.	/Document/BkToCstmrAcctRpt/GrpHdr/AddtlInf	context.header.additionalInformation	GROUP_ADDITIONAL_INFORMATION
Account
Account IBAN	Account IBAN.	/Document/BkToCstmrAcctRpt/Rpt/Acct/Id/IBAN OR	context.accounts.0.iban	ACCOUNT_IBAN
Account Number	Account number.	/Document/BkToCstmrAcctRpt/Rpt/Acct/Id/Othr/Id	context.accounts.0.accountNumber	ACCOUNT_NUMBER
Account Currency	Account currency.	/Document/BkToCstmrAcctRpt/Rpt/Acct/Ccy	context.accounts.0.currency	ACCOUNT_CURRENCY
Account Servicer BIC	Servicing institution BIC.	/Document/BkToCstmrAcctRpt/Rpt/Acct/Svcr/FinInstnId/BICFI	context.accounts.0.servicerBic	ACCOUNT_SERVICER_BIC
Balances
Interim Booked Amount	Booked balance amount.	/Document/BkToCstmrAcctRpt/Rpt/Bal[0]/Amt	context.accounts.0.balances.0.amount.amount	BALANCE_INTERIM_BOOKED_AMOUNT
Interim Booked Currency	Booked balance currency.	/Document/BkToCstmrAcctRpt/Rpt/Bal[0]/Amt/@Ccy	context.accounts.0.balances.0.amount.currency	BALANCE_INTERIM_BOOKED_CURRENCY
Interim Booked Credit/Debit	Booked balance indicator.	/Document/BkToCstmrAcctRpt/Rpt/Bal[0]/CdtDbtInd	context.accounts.0.balances.0.creditDebitIndicator	BALANCE_INTERIM_BOOKED_CREDIT_DEBIT_INDICATOR
Interim Booked Date	Booked balance date.	/Document/BkToCstmrAcctRpt/Rpt/Bal[0]/Dt/Dt	context.accounts.0.balances.0.date	BALANCE_INTERIM_BOOKED_DATE
Interim Available Amount	Available balance amount.	/Document/BkToCstmrAcctRpt/Rpt/Bal[1]/Amt	context.accounts.0.balances.1.amount.amount	BALANCE_INTERIM_AVAILABLE_AMOUNT
Interim Available Currency	Available balance currency.	/Document/BkToCstmrAcctRpt/Rpt/Bal[1]/Amt/@Ccy	context.accounts.0.balances.1.amount.currency	BALANCE_INTERIM_AVAILABLE_CURRENCY
Interim Available Credit/Debit	Available balance indicator.	/Document/BkToCstmrAcctRpt/Rpt/Bal[1]/CdtDbtInd	context.accounts.0.balances.1.creditDebitIndicator	BALANCE_INTERIM_AVAILABLE_CREDIT_DEBIT_INDICATOR
Interim Available Date	Available balance date.	/Document/BkToCstmrAcctRpt/Rpt/Bal[1]/Dt/Dt	context.accounts.0.balances.1.date	BALANCE_INTERIM_AVAILABLE_DATE
Entry
Amount	Transaction amount.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/Amt	records.0.amount.amount	AMOUNT
Amount Currency	Transaction currency.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/Amt/@Ccy	records.0.amount.currency	AMOUNT_CURRENCY
Credit/Debit Indicator	Credit or debit.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/CdtDbtInd	records.0.creditDebitIndicator	CREDIT_DEBIT_INDICATOR
Reversal Indicator	Indicates reversal.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/RvslInd	records.0.reversalIndicator	REVERSAL_INDICATOR
Status	Entry status.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/Sts/Cd	records.0.status	STATUS
Booking Date	Entry booking date.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/BookgDt/Dt	records.0.bookingDate	BOOKING_DATE
Value Date	Entry value date.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/ValDt/Dt	records.0.valueDate	VALUE_DATE
Account Servicer Reference	Servicer-assigned reference for the entry.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/AcctSvcrRef	records.0.accountServicerReference	ACCOUNT_SERVICER_REFERENCE
Bank Transaction Code	Proprietary bank transaction code.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/BkTxCd/Prtry/Cd	records.0.bankTransactionCode	BANK_TRANSACTION_CODE
End To End Id	End-to-end identification.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/Refs/EndToEndId	records.0.endToEndId	END_TO_END_ID
Purpose	Purpose of the transaction (code or proprietary).	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/Purp/Cd or Prtry	records.0.purpose	PURPOSE
Return Reason	Return reason code.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RtrInf/Rsn/Cd	records.0.returnInformation.returnReason	RETURN_REASON
Return Additional Information	Return description.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RtrInf/AddtlInf	records.0.returnInformation.additionalInformation	RETURN_ADDITIONAL_INFORMATION
Remittance Information 1	Unstructured remittance line 1.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RmtInf/Ustrd[0]	records.0.remittanceInformation.0	REMITTANCE_INFORMATION_1
Remittance Information 2	Unstructured remittance line 2.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RmtInf/Ustrd[1]	records.0.remittanceInformation.1	REMITTANCE_INFORMATION_2
Remittance Information 3	Unstructured remittance line 3.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RmtInf/Ustrd[2]	records.0.remittanceInformation.2	REMITTANCE_INFORMATION_3
Remittance Information 4	Unstructured remittance line 4.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RmtInf/Ustrd[3]	records.0.remittanceInformation.3	REMITTANCE_INFORMATION_4
Debtor
Debtor Name	Debtor party name.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdPties/Dbtr/Pty/Nm	records.0.debtor.name	DEBTOR_NAME
Debtor Address Line 1	Debtor address line 1.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdPties/Dbtr/Pty/PstlAdr/AdrLine[0]	records.0.debtor.addressLines[0]	DEBTOR_ADDRESS_LINE_1
Debtor Address Line 2	Debtor address line 2.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdPties/Dbtr/Pty/PstlAdr/AdrLine[1]	records.0.debtor.addressLines[1]	DEBTOR_ADDRESS_LINE_2
Debtor Address Line 3	Debtor address line 3.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdPties/Dbtr/Pty/PstlAdr/AdrLine[2]	records.0.debtor.addressLines[2]	DEBTOR_ADDRESS_LINE_3
Debtor Country Code	Debtor postal address country.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdPties/Dbtr/Pty/PstlAdr/Ctry	records.0.debtor.countryCode	DEBTOR_COUNTRY_CODE
Debtor Account
Debtor Account Type^[1]	Debtor account type.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdPties/DbtrAcct/Type/Cd	records.0.debtorAccount.type	DEBTOR_ACCOUNT_TYPE
Debtor Account IBAN	Debtor account IBAN.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdPties/DbtrAcct/Id/IBAN OR	records.0.debtorAccount.iban	DEBTOR_ACCOUNT_IBAN
Debtor Account Number	Debtor account number.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdPties/DbtrAcct/Id/Othr/Id	records.0.debtorAccount.accountNumber	DEBTOR_ACCOUNT_NUMBER
Debtor Agent
Debtor Agent BIC	Debtor agent BIC.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdAgts/DbtrAgt/FinInstnId/BICFI OR	records.0.debtorAgent.bicFi	DEBTOR_AGENT_BIC_FI
Debtor Agent NCC	Debtor clearing code.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdAgts/DbtrAgt/FinInstnId/ClrSysMmbId/MmbId	records.0.debtorAgent.nationalClearingCode	DEBTOR_AGENT_NATIONAL_CLEARING_CODE
Ultimate Debtor
Ultimate Debtor Name	Ultimate debtor name.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdPties/UltmtDbtr/Pty/Nm	records.0.ultimateDebtor.name	ULTIMATE_DEBTOR_NAME
Ultimate Debtor Country	Ultimate debtor country code.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdPties/UltmtDbtr/Pty/PstlAdr/Ctry	records.0.ultimateDebtor.countryCode	ULTIMATE_DEBTOR_COUNTRY_CODE
Creditor
Creditor Name	Creditor party name.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdPties/Cdtr/Pty/Nm	records.0.creditor.name	CREDITOR_NAME
Creditor Address Line 1	Creditor address line 1.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdPties/Cdtr/Pty/PstlAdr/AdrLine[0]	records.0.creditor.addressLines[0]	CREDITOR_ADDRESS_LINE_1
Creditor Address Line 2	Creditor address line 2.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdPties/Cdtr/Pty/PstlAdr/AdrLine[1]	records.0.creditor.addressLines[1]	CREDITOR_ADDRESS_LINE_2
Creditor Address Line 3	Creditor address line 3.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdPties/Cdtr/Pty/PstlAdr/AdrLine[2]	records.0.creditor.addressLines[2]	CREDITOR_ADDRESS_LINE_3
Creditor Country Code	Creditor postal address country.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdPties/Cdtr/Pty/PstlAdr/Ctry	records.0.creditor.countryCode	CREDITOR_COUNTRY_CODE
Creditor Contact Details Name	Creditor contact details name (proxy alias).	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdPties/Cdtr/Pty/CtctDtls/Nm	records.0.creditor.contactDetailsName	CREDITOR_CONTACT_DETAILS_NAME
Creditor Account
Creditor Account Type^[1]	Creditor account type.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdPties/CdtrAcct/Type/Cd	records.0.creditorAccount.type	CREDITOR_ACCOUNT_TYPE
Creditor Account IBAN	Creditor account IBAN.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdPties/CdtrAcct/Id/IBAN OR	records.0.creditorAccount.iban	CREDITOR_ACCOUNT_IBAN
Creditor Account Number	Creditor account number.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdPties/CdtrAcct/Id/Othr/Id	records.0.creditorAccount.accountNumber	CREDITOR_ACCOUNT_NUMBER
Creditor Proxy
Creditor Proxy Type	Proxy account type.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdPties/CdtrAcct/Prxy/Tp/Prtry	records.0.creditorAccount.proxy.type	CREDITOR_PROXY_ACCOUNT_TYPE
Creditor Proxy Identification	Proxy identifier.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdPties/CdtrAcct/Prxy/Id	records.0.creditorAccount.proxy.identification	CREDITOR_PROXY_ACCOUNT_IDENTIFICATION
Creditor Agent
Creditor Agent BIC	Creditor agent BIC.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdAgts/CdtrAgt/FinInstnId/BICFI OR	records.0.creditorAgent.bicFi	CREDITOR_AGENT_BIC_FI
Creditor Agent NCC	Creditor clearing code.	/Document/BkToCstmrAcctRpt/Rpt/Ntry/NtryDtls/TxDtls/RltdAgts/CdtrAgt/FinInstnId/ClrSysMmbId/MmbId	records.0.creditorAgent.nationalClearingCode	CREDITOR_AGENT_NATIONAL_CLEARING_CODE

References

This field will only be populated if the account is a virtual account. In CSV and JSON formats, the value will be VirtualAccount, whereas in CAMT.052 format it will be VACC.