{"id":3075,"date":"2025-10-14T19:28:32","date_gmt":"2025-10-14T17:28:32","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&p=3075"},"modified":"2026-02-26T13:58:32","modified_gmt":"2026-02-26T12:58:32","slug":"camt-053","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/standards-in-payments\/camt-053\/","title":{"rendered":"CAMT.053"},"content":{"rendered":"\n

What is CAMT.053?<\/h2>\n\n\n\n

CAMT.053 is a message format within the ISO 20022 standard<\/u><\/strong><\/a> and is used for the digital exchange of daily bank statements<\/strong> between banks and their customers. It is the modern successor to the MT940 message from SWIFT<\/u><\/strong><\/a> and offers more comprehensive and better structured data. As a result, the format supports automated processing in ERP systems, accounting packages, and treasury solutions.<\/p>\n\n\n\n

Key features<\/h3>\n\n\n\n
    \n
  • XML message structure based on ISO 20022<\/li>\n\n\n\n
  • Overview of opening balance, closing balance, and interim positions<\/li>\n\n\n\n
  • Detailed transaction lines with references and additional data<\/li>\n\n\n\n
  • Ability to include information from multiple accounts in a single file<\/li>\n\n\n\n
  • Suitable for automatic processing, reducing or eliminating the need for manual processing of bank statements<\/li>\n<\/ul>\n\n\n\n

    CAMT.053 in the Netherlands<\/h2>\n\n\n\n

    In the Netherlands, CAMT.053 is already offered to business customers by various banks. The Dutch Payments Association supports this through knowledge sharing, coordination with banks and software suppliers, and the management of the Dutch Implementation Guidelines CAMT.053<\/strong>. These guidelines ensure that CAMT.053 is applied uniformly in the Netherlands.<\/p>\n\n\n\n

    Future and developments<\/h2>\n\n\n\n

    Due to the global transition to ISO 20022, CAMT.053 will continue to evolve. Richer data and further standardization support more efficient reconciliation, reporting, and automation for businesses.pportage en automatisering bij bedrijven.<\/p>\n\n\n\n\t

    \n\t\t\n\t\t
      \n\t\t\t\t\t\t\t
    • \n\t\t\t\t\t\t\t\t\t\t\n\n\n\n\n\t\n\t\t\t\n\t\t\tView the SEPA Implementation Guidelines\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t\n\t\t\t\n\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t<\/div>\n","protected":false},"excerpt":{"rendered":"

      CAMT.053 is an international standard for digital bank statements. It offers companies and organizations a uniform and informative way to receive and process daily account data.<\/p>\n","protected":false},"featured_media":1790,"parent":21,"menu_order":0,"template":"","meta":{"_acf_changed":true,"editor_notices":[]},"btv_subject_tax":[19],"class_list":["post-3075","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-payment-standards"],"acf":[],"yoast_head":"\nCAMT.053 - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"CAMT.053 is an ISO 20022 XML bank statement format enabling automated processing, richer data exchange and efficient reconciliation for businesses.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/standards-in-payments\/camt-053\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CAMT.053\" \/>\n<meta property=\"og:description\" content=\"CAMT.053 is an ISO 20022 XML bank statement format enabling automated processing, richer data exchange and efficient reconciliation for businesses.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/standards-in-payments\/camt-053\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-26T12:58:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2024\/09\/Vacature-Senior-Product-Consultant-Giraal-610x343-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"610\" \/>\n\t<meta property=\"og:image:height\" content=\"343\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/standards-in-payments\/camt-053\/\",\"url\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/standards-in-payments\/camt-053\/\",\"name\":\"CAMT.053 - 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