What camt.053 is
camt.053 is the ISO 20022 machine-readable statement used in Finnish banking in place of the older Finnish TITO format. It contains account balances and individual transactions in structured XML, including reference data for incoming payments.
The structured format enables automatic reconciliation: software can match incoming reference payments to sales invoices with no manual work.
camt.053, camt053, or camt 053?
The spellings camt.053, camt053, and camt 053 refer to the same ISO 20022 Bank-to-Customer Statement message family. Banks also identify a schema version, such as camt.053.001.08. Your software must recognize the version delivered by the bank and its bank-specific implementation guidelines.
Key elements of a camt.053 statement
The element paths below are the ones accounting and ERP software reads most often. They exist in both camt.053.001.02 and camt.053.001.08; in version 08 the entry status is nested as Sts/Cd. The bank's implementation guideline defines which optional elements it fills.
The shortened example is illustrative, not a file produced by a bank.
| Element | Meaning |
|---|---|
GrpHdr/ | Unique message identifier assigned by the bank. |
Stmt/ | Statement identifier and its running statement number. |
Stmt/ | Period the statement covers. |
Stmt/ | Account the statement is for. |
Stmt/ | Balances. Tp/CdOrPrtry/Cd names the type: OPBD opening booked, CLBD closing booked, CLAV closing available. |
Stmt/ | One booked entry: Amt with Ccy, CdtDbtInd (CRDT credit, DBIT debit), Sts (BOOK), BookgDt booking date and ValDt value date. |
Ntry/ | Bank transaction code (domain, family, sub-family), for example PMNT/RCDT/ESCT for a received SEPA credit transfer. |
Ntry/ | Transaction details. One entry can hold several transactions, such as a lump-sum credit of reference payments. |
TxDtls/ | Payer's end-to-end reference from the original payment. |
TxDtls/ | Payer name on credits; on debits the payee is Cdtr. |
TxDtls/ | Structured creditor reference (Finnish reference number or RF reference) used for automatic matching. Free text goes in RmtInf/Ustrd. |
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.053.001.02">
<BkToCstmrStmt>
<GrpHdr>
<MsgId>STMT-20260127-001</MsgId>
<CreDtTm>2026-01-27T06:00:00</CreDtTm>
</GrpHdr>
<Stmt>
<Id>2026-017</Id>
<LglSeqNb>17</LglSeqNb>
<FrToDt>
<FrDtTm>2026-01-26T00:00:00</FrDtTm>
<ToDtTm>2026-01-26T23:59:59</ToDtTm>
</FrToDt>
<Acct><Id><IBAN>FI2112345600000785</IBAN></Id></Acct>
<Bal>
<Tp><CdOrPrtry><Cd>OPBD</Cd></CdOrPrtry></Tp>
<Amt Ccy="EUR">12500.00</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<Dt><Dt>2026-01-26</Dt></Dt>
</Bal>
<Bal>
<Tp><CdOrPrtry><Cd>CLBD</Cd></CdOrPrtry></Tp>
<Amt Ccy="EUR">13740.00</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<Dt><Dt>2026-01-26</Dt></Dt>
</Bal>
<Ntry>
<Amt Ccy="EUR">1240.00</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<Sts>BOOK</Sts>
<BookgDt><Dt>2026-01-26</Dt></BookgDt>
<ValDt><Dt>2026-01-26</Dt></ValDt>
<BkTxCd>
<Domn><Cd>PMNT</Cd><Fmly><Cd>RCDT</Cd><SubFmlyCd>ESCT</SubFmlyCd></Fmly></Domn>
</BkTxCd>
<NtryDtls>
<TxDtls>
<Refs><EndToEndId>INV-10452</EndToEndId></Refs>
<RltdPties><Dbtr><Nm>Example Oy</Nm></Dbtr></RltdPties>
<RmtInf><Strd><CdtrRefInf><Ref>RF7010452</Ref></CdtrRefInf></Strd></RmtInf>
</TxDtls>
</NtryDtls>
</Ntry>
</Stmt>
</BkToCstmrStmt>
</Document>How the statement is retrieved
The statement is retrieved over the bank's Web Services channel with a signed message. Retrieval requires valid certificates and a Web Services agreement with the bank. Incoming reference payments can be retrieved similarly as a separate file.
- camt.053 statement with balances and transactions
- Matching data for incoming reference payments
- Retrieval over the Web Services channel, signed with certificates
- Automatic reconciliation to accounts receivable
camt.053 and camt.054 serve different needs
camt.053 summarizes account balances and booked entries for a reporting period. camt.054 is a debit or credit notification that a bank may provide before the next statement. Availability and delivery frequency depend on the bank agreement.
What Finnish bank specifications say about camt.053
Finance Finland's ISO 20022 Transaction Reporting Guide (version 1.4, August 2020) defines camt.053 as the official account statement supplied by the bank and approved by the Finnish Accounting Standards Board. It reports booked transactions, their specifying transactions and balances; intraday reporting uses camt.052.
OP's XML account reporting guide (April 2016) describes three camt.053 files: statement (TI), re-issued statement (TU) and group account statement (KT). Retrieval requires a written agreement that fixes the camt version and the maximum uncompressed file size; larger files are split.
Nordea's Corporate Access Account Reporting guide (version 1.8, November 2021) covers Finland, Sweden, Norway and Denmark. One file holds one message, and each entry holds one or more transaction details depending on the booking option the customer has chosen. Danske Bank's CGI guide (version 7.0, September 2026) builds on the Common Global Implementation recommendation and the Finnish national recommendations. Samlink's Web Services service description (version 1.5, July 2025) lists the XML statement as file type XT.
Every document listed below describes version camt.053.001.02.
Statements through ISECure
ISECure retrieves camt.053 statements from the Finnish banks we support through one REST API. We handle certificates and signing, so your software gets statements from one place with the same integration.
Frequently asked questions
What is the camt.053 format?
camt.053 is the ISO 20022 Bank-to-Customer Statement: a machine-readable XML bank statement with account balances and booked entries for a reporting period. In Finland it replaced the older TITO statement format.
What does camt.053.001.08 mean?
camt.053 names the message family and 001.08 the schema version. Banks state the version they deliver in their implementation guidelines, and your software must parse the version your bank sends.
What is the difference between camt.053 and camt.054?
camt.053 is the periodic statement with balances and booked entries. camt.054 is a debit or credit notification a bank may deliver before the next statement. Availability and frequency depend on the bank agreement.
How do I retrieve camt.053 files from Finnish banks?
Statements are retrieved over the bank's Web Services channel with signed requests and valid certificates. ISECure retrieves them from the supported Finnish banks through one REST API and handles certificates and signing.