camt.052.001.14 BankToCustomerAccountReportV14

ISO 20022 camt Messages

Provide a view of account entries, account balances, or both, for cash-management and reconciliation use. Pending and booked entries can both be represented.

Intraday view of one booked EUR 1250.00 debit, with EUR 10000.00 opening and EUR 8750.00 interim booked balance.

This guide covers the exact base ISO message version named here. It does not establish compliance with SEPA, CBPR+, a bank’s implementation guide or any other scheme profile.

Delivery times, supported options, duplicate handling and operational responses depend on the service agreed between the parties.

XML Schema validity establishes structure and lexical constraints, not valid external-code membership, complete business-rule compliance or proof that money is available.

Often used for intraday visibility, but the base definition is not a hard-coded intraday schedule.

A report may provide entries without balances or balances without entries. Multiple accounts are possible through repeated report blocks.

A booked entry describes a ledger posting. Availability depends on the reported balance/availability category and account terms, not merely on the presence of that entry.

Explore the complete Payment Life Cycle