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Bank To Customer Statement

Bank-to-Customer Statement is an End-of-day statement that provides detailed information about the transactions and balances on specified accounts for a given period. It includes credits, debits, opening and closing balances, and transaction metadata, allowing reconciliation of account activity and monitoring of cash flow.

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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.

The report can be retrieved by Report of Request (asynchronous) via (API Reference) Bank To Customer Statement.

Supported Formats

The report is available in the following formats:

  • (future planned) CSV - Flat, tabular format suitable for spreadsheets and simple integrations.
  • (future planned) JSON - Structured format optimized for system-to-system integrations.
  • CAMT.053.001.08 (ISO 20022) - Standardized XML format for financial messaging and enterprise-grade integrations.

Report Content

The Bank To Customer Statement includes:

  • Account identification and metadata
  • Opening Booked Balance (OPBD) and Closing Booked Balance (CLBD)
  • Booked transactions
  • Transaction details, including:
    • Amount
    • Currency
    • Transaction date and value date
    • Transaction references
    • Counterparty information

Balances

Balance

Description

OPBD - Opening Booked Balance (End-of-day)

Book balance of the account at the beginning of the account reporting period. It always equals the closing book balance from the previous report.

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

CLBD - Closing Booked Balance (End-of-day)

Balance of the account at the end of the specified account reporting period. It is the sum of the opening booked balance at the beginning of the period and all entries booked to the account during the specified account reporting period.

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

Properties

Logical PropertyDescriptionCAMT.053 XPath
Header
Message IdentificationUnique message identifier./Document/BkToCstmrStmt/GrpHdr/MsgId
Group Creation Date TimeMessage creation timestamp./Document/BkToCstmrStmt/GrpHdr/CreDtTm
Group Additional InformationAdditional header info./Document/BkToCstmrStmt/GrpHdr/AddtlInf
Statement
Statement IdentificationUnique statement reference./Document/BkToCstmrStmt/Stmt/Id
Statement Sequence NumberSequential number of the statement./Document/BkToCstmrStmt/Stmt/ElctrncSeqNb
Copy/Duplicate IndicatorIndicates whether the document is a copy, a duplicate, or a duplicate of a copy/Document/BkToCstmrStmt/Stmt/CpyDplctInd
Account
Account Servicer BICBIC of the financial institution servicing the account./Document/BkToCstmrStmt/Stmt/Acct/Svcr/FinInstnId/BICFI
Account IBANIBAN of the account for which the statement is issued./Document/BkToCstmrStmt/Stmt/Acct/Id/IBAN
OR
Account NumberNumber of the account for which the statement is issued./Document/BkToCstmrStmt/Stmt/Acct/Id/Othr/Id
Account CurrencyCurrency of the account./Document/BkToCstmrStmt/Stmt/Acct/Ccy
Balances
Balance TypeCode identifying the type of balance (e.g. opening or closing)./Document/BkToCstmrStmt/Stmt/Bal/Tp/CdOrPrtry/Cd
Balance AmountBalance of the account./Document/BkToCstmrStmt/Stmt/Bal/Amt
Balance DateDate on which the balance is calculated./Document/BkToCstmrStmt/Stmt/Bal/Dt/Dt
Entry
Account Servicer ReferenceReference assigned by the account servicing institution./Document/BkToCstmrStmt/Stmt/Ntry/AcctSvcrRef
End-to-End IDIdentifier passed end-to-end through the payment chain./Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/Refs/EndToEndId
AmountAmount of the booked transaction./Document/BkToCstmrStmt/Stmt/Ntry/Amt
CurrencyCurrency of the entry amount./Document/BkToCstmrStmt/Stmt/Ntry/Amt/@Ccy
Credit/Debit IndicatorIndicates whether the entry is a credit or debit./Document/BkToCstmrStmt/Stmt/Ntry/CdtDbtInd
Reversal IndicatorIndicates whether or not the entry is the result of a reversal./Document/BkToCstmrStmt/Stmt/Ntry/RvslInd
StatusStatus of an entry./Document/BkToCstmrStmt/Stmt/Ntry/Sts/Cd
Booking DateDate when the transaction was booked on the account./Document/BkToCstmrStmt/Stmt/Ntry/BookgDt/Dt
Value DateDate when the transaction amount becomes effective for interest calculation./Document/BkToCstmrStmt/Stmt/Ntry/ValDt/Dt
Bank Transaction CodeProprietary code identifying the transaction type./Document/BkToCstmrStmt/Stmt/Ntry/BkTxCd/Prtry/Cd
PurposeUnderlying reason for the payment transaction./Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/Purp (Cd or Prtry)
Transaction AmountAmount of the individual transaction./Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/AmtDtls/TxAmt/Amt
Remittance InformationUnstructured remittance information associated with the transaction./Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RmtInf/Ustrd
Debtor
Debtor NameName of the party whose account was debited./Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdPties/Dbtr/Pty/Nm
Debtor Address Line 1Information that locates and identifies a specific address/Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdPties/Dbtr/Pty/PstlAdr/AdrLine[0]
Debtor Address Line 2Information that locates and identifies a specific address/Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdPties/Dbtr/Pty/PstlAdr/AdrLine[1]
Debtor Address Line 3Information that locates and identifies a specific address/Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdPties/Dbtr/Pty/PstlAdr/AdrLine[2]
Debtor CountryCountry of the party whose account was debited./Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdPties/Dbtr/Pty/PstlAdr/Ctry
Debtor Account
Debtor Account IBANIBAN of the debtor account./Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdPties/DbtrAcct/Id/IBAN
OR
Debtor Account NumberNumber of the debtor account/Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdPties/DbtrAcct/Id/Othr/Id
Debtor Account Type[1]Type of the debtor account/Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdPties/DbtrAcct/Type/Cd
Debtor Agent
Debtor Agent BICBIC of the debtor's servicing bank./Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdAgts/DbtrAgt/FinInstnId/BICFI
OR
Debtor Agent NCCNCC of the debtor's servicing bank./Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdAgts/DbtrAgt/FinInstnId/ClrSysMmbId/MmbId
Ultimate Debtor
Ultimate Debtor NameName of the ultimate party that owes an amount of money to the (ultimate) creditor./Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdPties/UltmtDbtr/Pty/Nm
Ultimate Debtor CountryCountry of the ultimate party that owes an amount of money to the (ultimate) creditor./Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdPties/UltmtDbtr/Pty/PstlAdre/Ctry
Creditor
Creditor NameName of the party receiving the funds./Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdPties/Cdtr/Pty/Nm
Creditor Address Line 1Information that locates and identifies a specific address/Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdPties/Cdtr/Pty/PstlAdr/AdrLine[0]
Creditor Address Line 2Information that locates and identifies a specific address/Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdPties/Cdtr/Pty/PstlAdr/AdrLine[1]
Creditor Address Line 3Information that locates and identifies a specific address/Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdPties/Cdtr/Pty/PstlAdr/AdrLine[2]
Creditor CountryCountry of the party receiving the funds./Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdPties/Cdtr/Pty/PstlAdr/Ctry
Creditor Account
Creditor Account IBANIBAN of the creditor account./Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdPties/CdtrAcct/Id/IBAN
OR
Creditor Account NumberNumber of the creditor account/Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdPties/CdtrAcct/Id/Othr/Id
Creditor Account Type[1]Type of the creditor account/Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdPties/CdtrAcct/Type/Cd
Creditor Agent
Creditor Agent BICBIC of the creditor's servicing bank./Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdAgts/CdtrAgt/FinInstnId/BICFI
OR
Creditor Agent NCCNCC of the creditor's servicing bank./Document/BkToCstmrStmt/Stmt/Ntry/NtryDtls/TxDtls/RltdAgts/CdtrAgt/FinInstnId/ClrSysMmbId/MmbId

  1. 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.053 format it will be VACC.

CAMT.053.001.08 Samples

<?xml version="1.0" encoding="utf-8"?>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
    xmlns:xsd="http://www.w3.org/2001/XMLSchema"
    xmlns="urn:iso:std:iso:20022:tech:xsd:camt.053.001.08">
    <BkToCstmrStmt>
        <GrpHdr>
            <MsgId>4944d2fc459142c0994440a6e9697a90</MsgId>
            <CreDtTm>2026-04-28T10:31:36.9305643Z</CreDtTm>
            <AddtlInf>EOD</AddtlInf>
        </GrpHdr>
        <Stmt>
            <Id>118103136-EOD0001</Id>
            <ElctrncSeqNb>155</ElctrncSeqNb>
            <RptgSrc>
                <Prtry>BCConnect</Prtry>
            </RptgSrc>
            <Acct>
                <Id>
                    <IBAN>DK9589000000024040</IBAN>
                </Id>
                <Ccy>EUR</Ccy>
                <Svcr>
                    <FinInstnId>
                        <BICFI>SXPYDKKKXXX</BICFI>
                    </FinInstnId>
                </Svcr>
            </Acct>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>OPBD</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="EUR">1050907570.22</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <Dt>2026-04-27</Dt>
                </Dt>
            </Bal>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>CLBD</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="EUR">1050908295.87</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <Dt>2026-04-27</Dt>
                </Dt>
            </Bal>
            <Ntry>
                <Amt Ccy="EUR">100.00</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <RvslInd>false</RvslInd>
                <Sts>
                    <Cd>BOOK</Cd>
                </Sts>
                <BookgDt>
                    <Dt>2026-04-27</Dt>
                </BookgDt>
                <ValDt>
                    <Dt>2026-04-27</Dt>
                </ValDt>
                <AcctSvcrRef>010F703261170008</AcctSvcrRef>
                <BkTxCd>
                    <Prtry>
                        <Cd>PMNT</Cd>
                    </Prtry>
                </BkTxCd>
                <NtryDtls>
                    <TxDtls>
                        <Refs />
                        <AmtDtls>
                            <TxAmt>
                                <Amt Ccy="EUR">100.00</Amt>
                            </TxAmt>
                        </AmtDtls>
                        <RltdPties>
                            <Dbtr>
                                <Pty>
                                    <Nm>Debtor Name</Nm>
                                    <PstlAdr>
                                        <AdrLine>ADD1</AdrLine>
                                        <AdrLine>ADD2</AdrLine>
                                        <AdrLine>ADD3</AdrLine>
                                    </PstlAdr>
                                </Pty>
                            </Dbtr>
                            <DbtrAcct>
                                <Id>
                                    <Othr>
                                        <Id>00011012345</Id>
                                    </Othr>
                                </Id>
                            </DbtrAcct>
                            <Cdtr>
                                <Pty>
                                    <Nm>Creditor Name</Nm>
                                    <PstlAdr>
                                        <AdrLine>ADD1</AdrLine>
                                        <AdrLine>ADD2</AdrLine>
                                        <AdrLine>ADD3</AdrLine>
                                    </PstlAdr>
                                </Pty>
                            </Cdtr>
                            <CdtrAcct>
                                <Id>
                                    <IBAN>DK9589000000024040</IBAN>
                                </Id>
                            </CdtrAcct>
                        </RltdPties>
                        <RltdAgts>
                            <DbtrAgt>
                                <FinInstnId>
                                    <BICFI>BFXCCAT2XXX</BICFI>
                                </FinInstnId>
                            </DbtrAgt>
                            <CdtrAgt>
                                <FinInstnId>
                                    <BICFI>IRVTUS3NXXX</BICFI>
                                </FinInstnId>
                            </CdtrAgt>
                        </RltdAgts>
                        <RmtInf>
                            <Ustrd>Payment Reference</Ustrd>
                        </RmtInf>
                    </TxDtls>
                </NtryDtls>
            </Ntry>  
        </Stmt>
    </BkToCstmrStmt>
</Document>
<?xml version="1.0" encoding="utf-8"?>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
    xmlns:xsd="http://www.w3.org/2001/XMLSchema"
    xmlns="urn:iso:std:iso:20022:tech:xsd:camt.053.001.08">
    <BkToCstmrStmt>
        <GrpHdr>
            <MsgId>126fc579c3f14947adfda4d4822cdb50</MsgId>
            <CreDtTm>2026-05-20T09:23:00.6788915Z</CreDtTm>
            <AddtlInf>EOD</AddtlInf>
        </GrpHdr>
        <Stmt>
            <Id>140092300-EOD0001</Id>
            <ElctrncSeqNb>177</ElctrncSeqNb>
            <RptgSrc>
                <Prtry>BCConnect</Prtry>
            </RptgSrc>
            <Acct>
                <Id>
                    <IBAN>DK9589000000024040</IBAN>
                </Id>
                <Ccy>EUR</Ccy>
                <Svcr>
                    <FinInstnId>
                        <BICFI>SXPYDKKKXXX</BICFI>
                    </FinInstnId>
                </Svcr>
            </Acct>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>OPBD</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="EUR">1050906453.93</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <Dt>2026-05-19</Dt>
                </Dt>
            </Bal>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>CLBD</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="EUR">1050906488.53</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <Dt>2026-05-19</Dt>
                </Dt>
            </Bal>
            <Ntry>
                <Amt Ccy="EUR">38.22</Amt>
                <CdtDbtInd>DBIT</CdtDbtInd>
                <RvslInd>false</RvslInd>
                <Sts>
                    <Cd>BOOK</Cd>
                </Sts>
                <BookgDt>
                    <Dt>2026-05-19</Dt>
                </BookgDt>
                <ValDt>
                    <Dt>2026-05-19</Dt>
                </ValDt>
                <AcctSvcrRef>010F331261390002</AcctSvcrRef>
                <BkTxCd>
                    <Prtry>
                        <Cd>PMNT</Cd>
                    </Prtry>
                </BkTxCd>
                <NtryDtls>
                    <TxDtls>
                        <Refs>
                            <EndToEndId>S260519144806035</EndToEndId>
                        </Refs>
                        <AmtDtls>
                            <TxAmt>
                                <Amt Ccy="EUR">38.22</Amt>
                            </TxAmt>
                        </AmtDtls>
                        <RltdPties>
                            <Dbtr>
                                <Pty>
                                    <Nm>Debtor Name</Nm>
                                    <PstlAdr>
                                        <Ctry>DK</Ctry>
                                        <AdrLine>ADD1</AdrLine>
                                        <AdrLine>ADD2</AdrLine>
                                        <AdrLine>ADD3</AdrLine>
                                    </PstlAdr>
                                </Pty>
                            </Dbtr>
                            <DbtrAcct>
                                <Id>
                                    <IBAN>DK9589000000024040</IBAN>
                                </Id>
                            </DbtrAcct>
                            <Cdtr>
                                <Pty>
                                    <Nm>Creditor Name</Nm>
                                </Pty>
                            </Cdtr>
                            <CdtrAcct>
                                <Id>
                                    <IBAN>DE10202208000000030642</IBAN>
                                </Id>
                            </CdtrAcct>
                        </RltdPties>
                        <RltdAgts>
                            <DbtrAgt>
                                <FinInstnId>
                                    <ClrSysMmbId>
                                        <MmbId>GR1234567</MmbId>
                                    </ClrSysMmbId>
                                </FinInstnId>
                            </DbtrAgt>
                            <CdtrAgt>
                                <FinInstnId>
                                    <BICFI>SXPYDEHHXXX</BICFI>
                                </FinInstnId>
                            </CdtrAgt>
                        </RltdAgts>
                        <RmtInf>
                            <Ustrd>/ROC/S260519144806050//BlaBla</Ustrd>
                        </RmtInf>
                    </TxDtls>
                </NtryDtls>
            </Ntry>
        </Stmt>
    </BkToCstmrStmt>
</Document>
<?xml version="1.0" encoding="utf-8"?>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
    xmlns:xsd="http://www.w3.org/2001/XMLSchema"
    xmlns="urn:iso:std:iso:20022:tech:xsd:camt.053.001.08">
    <BkToCstmrStmt>
        <GrpHdr>
            <MsgId>126fc579c3f14947adfda4d4822cdb50</MsgId>
            <CreDtTm>2026-05-20T09:23:00.6788915Z</CreDtTm>
            <AddtlInf>EOD</AddtlInf>
        </GrpHdr>
        <Stmt>
            <Id>139181802-EOD0002</Id>
            <ElctrncSeqNb>181</ElctrncSeqNb>
            <RptgSrc>
                <Prtry>BCConnect</Prtry>
            </RptgSrc>
            <Acct>
                <Id>
                    <IBAN>DK8189000000020800</IBAN>
                </Id>
                <Ccy>SEK</Ccy>
                <Svcr>
                    <FinInstnId>
                        <BICFI>SXPYDKKKXXX</BICFI>
                    </FinInstnId>
                </Svcr>
            </Acct>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>OPBD</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="SEK">509052.43</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <Dt>2026-05-19</Dt>
                </Dt>
            </Bal>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>CLBD</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="SEK">509052.43</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <Dt>2026-05-19</Dt>
                </Dt>
            </Bal>
        </Stmt>
    </BkToCstmrStmt>
</Document>

Updated 4 days ago