camt.053.001.04
Scope The BankToCustomerStatement message is sent by the account servicer to an account owner or to a party authorised by the account owner to receive the message. It is used to inform the account owner, or authorised party, of the entries booked to the account, and to provide the owner with balance information on the account at a given point in time. Usage The BankToCustomerStatement message can contain reports for more than one account. It provides information for cash management and/or reconciliation. It contains information on booked entries only. It can include underlying details of transactions that have been included in the entry. The message is exchanged as defined between the account servicer and the account owner. It provides information on items that have been booked to the account and also balance information. Depending on services and schedule agreed between banks and their customers, statements may be generated and exchanged accordingly, for example for intraday or prior day periods. It is possible that the receiver of the message is not the account owner, but a party entitled through arrangement with the account owner to receive the account information (also known as recipient).
Message Construction
Every ISO20022 message has at the highest level what we call ‘building blocks’. Because the message is constructed as immutable records, the association is by composition. Below you can see the relationship between the message and its constituent building blocks: For comparison, see the ISO20022 official specification
classDiagram
direction LR
%% BankToCustomerStatementV04 recursion level 0 with max 0
BankToCustomerStatementV04 *-- "1..1" GroupHeader58 : GroupHeader
BankToCustomerStatementV04 *-- "1..1" AccountStatement4 : Statement
BankToCustomerStatementV04 *-- "0..1" SupplementaryData1 : SupplementaryData
Now, we will zero-in one-by-one on each of these building blocks.
GroupHeader building block
Common information for the message. Provides further details on the message. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% GroupHeader58 recursion level 0 with max 1
class GroupHeader58{
MessageIdentification IsoMax35Text
CreationDateTime IsoISODateTime
AdditionalInformation IsoMax500Text
}
GroupHeader58 *-- "0..1" PartyIdentification43 : MessageRecipient
GroupHeader58 *-- "0..1" Pagination : MessagePagination
GroupHeader58 *-- "0..1" OriginalBusinessQuery1 : OriginalBusinessQuery
%% PartyIdentification43 recursion level 1 with max 1
class PartyIdentification43{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification43 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification43 *-- "0..1" IParty11Choice : Identification
PartyIdentification43 *-- "0..1" ContactDetails2 : ContactDetails
%% Pagination recursion level 1 with max 1
class Pagination{
PageNumber IsoMax5NumericText
LastPageIndicator IsoYesNoIndicator
}
%% OriginalBusinessQuery1 recursion level 1 with max 1
class OriginalBusinessQuery1{
MessageIdentification IsoMax35Text
MessageNameIdentification IsoMax35Text
CreationDateTime IsoISODateTime
}
GroupHeader58 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| MessageIdentification | Point to point reference, as assigned by the account servicing institution, and sent to the account owner or the party authorised to receive the message, to unambiguously identify the message. | Usage: The account servicing institution has to make sure that MessageIdentification is unique per account owner for a pre-agreed period. |
| CreationDateTime | Date and time at which the message was created. | IsoISODateTime - Required 1..1 |
| MessageRecipient | Party authorised by the account owner to receive information about movements on the account. | Usage: MessageRecipient should only be identified when different from the account owner. |
| MessagePagination | Provides details on the page number of the message. | |
| OriginalBusinessQuery | Unique identification, as assigned by the original requestor, to unambiguously identify the business query message. | OriginalBusinessQuery1 - Optional 0..1 |
| AdditionalInformation | Further details of the message. | IsoMax500Text - Optional 0..1 |
Statement building block
Reports on booked entries and balances for a cash account. Provides further details of the account statement. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% AccountStatement4 recursion level 0 with max 1
class AccountStatement4{
Identification IsoMax35Text
ElectronicSequenceNumber IsoNumber
LegalSequenceNumber IsoNumber
CreationDateTime IsoISODateTime
CopyDuplicateIndicator CopyDuplicate1Code
AdditionalStatementInformation IsoMax500Text
}
AccountStatement4 *-- "0..1" Pagination : StatementPagination
AccountStatement4 *-- "0..1" DateTimePeriodDetails : FromToDate
AccountStatement4 *-- "0..1" IReportingSource1Choice : ReportingSource
AccountStatement4 *-- "1..1" CashAccount25 : Account
AccountStatement4 *-- "0..1" CashAccount24 : RelatedAccount
AccountStatement4 *-- "0..0" AccountInterest2 : Interest
AccountStatement4 *-- "1..0" CashBalance3 : Balance
AccountStatement4 *-- "0..1" TotalTransactions4 : TransactionsSummary
AccountStatement4 *-- "0..0" ReportEntry4 : Entry
%% Pagination recursion level 1 with max 1
class Pagination{
PageNumber IsoMax5NumericText
LastPageIndicator IsoYesNoIndicator
}
%% DateTimePeriodDetails recursion level 1 with max 1
class DateTimePeriodDetails{
FromDateTime IsoISODateTime
ToDateTime IsoISODateTime
}
%% IReportingSource1Choice recursion level 1 with max 1
%% CashAccount25 recursion level 1 with max 1
class CashAccount25{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount25 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount25 *-- "0..1" ICashAccountType2Choice : Type
CashAccount25 *-- "0..1" PartyIdentification43 : Owner
CashAccount25 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : Servicer
%% CashAccount24 recursion level 1 with max 1
class CashAccount24{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount24 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount24 *-- "0..1" ICashAccountType2Choice : Type
%% AccountInterest2 recursion level 1 with max 1
class AccountInterest2{
Reason IsoMax35Text
}
AccountInterest2 *-- "0..1" IInterestType1Choice : Type
AccountInterest2 *-- "0..0" Rate3 : Rate
AccountInterest2 *-- "0..1" DateTimePeriodDetails : FromToDate
%% CashBalance3 recursion level 1 with max 1
class CashBalance3{
Amount IsoActiveOrHistoricCurrencyAndAmount
CreditDebitIndicator CreditDebitCode
}
CashBalance3 *-- "1..1" BalanceType12 : Type
CashBalance3 *-- "0..1" CreditLine2 : CreditLine
CashBalance3 *-- "1..1" IDateAndDateTimeChoice : Date
CashBalance3 *-- "0..0" CashBalanceAvailability2 : Availability
%% TotalTransactions4 recursion level 1 with max 1
TotalTransactions4 *-- "0..1" NumberAndSumOfTransactions4 : TotalEntries
TotalTransactions4 *-- "0..1" NumberAndSumOfTransactions1 : TotalCreditEntries
TotalTransactions4 *-- "0..1" NumberAndSumOfTransactions1 : TotalDebitEntries
TotalTransactions4 *-- "0..0" TotalsPerBankTransactionCode3 : TotalEntriesPerBankTransactionCode
%% ReportEntry4 recursion level 1 with max 1
class ReportEntry4{
EntryReference IsoMax35Text
Amount IsoActiveOrHistoricCurrencyAndAmount
CreditDebitIndicator CreditDebitCode
ReversalIndicator IsoTrueFalseIndicator
Status EntryStatus2Code
AccountServicerReference IsoMax35Text
CommissionWaiverIndicator IsoYesNoIndicator
AdditionalEntryInformation IsoMax500Text
}
ReportEntry4 *-- "0..1" IDateAndDateTimeChoice : BookingDate
ReportEntry4 *-- "0..1" IDateAndDateTimeChoice : ValueDate
ReportEntry4 *-- "0..0" CashBalanceAvailability2 : Availability
ReportEntry4 *-- "1..1" BankTransactionCodeStructure4 : BankTransactionCode
ReportEntry4 *-- "0..1" MessageIdentification2 : AdditionalInformationIndicator
ReportEntry4 *-- "0..1" AmountAndCurrencyExchange3 : AmountDetails
ReportEntry4 *-- "0..1" Charges4 : Charges
ReportEntry4 *-- "0..1" ITechnicalInputChannel1Choice : TechnicalInputChannel
ReportEntry4 *-- "0..1" TransactionInterest3 : Interest
ReportEntry4 *-- "0..1" CardEntry1 : CardTransaction
ReportEntry4 *-- "0..0" EntryDetails3 : EntryDetails
AccountStatement4 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| Identification | Unique identification, as assigned by the account servicer, to unambiguously identify the account statement. | IsoMax35Text - Required 1..1 |
| StatementPagination | Provides details on the page number of the statement. Usage: The pagination of the statement is only allowed when agreed between the parties. | Pagination - Optional 0..1 |
| ElectronicSequenceNumber | Sequential number of the statement, as assigned by the account servicer. | Usage: The sequential number is increased incrementally for each statement sent electronically. |
| LegalSequenceNumber | Legal sequential number of the statement, as assigned by the account servicer. It is increased incrementally for each statement sent. | |
| CreationDateTime | Date and time at which the message was created. | IsoISODateTime - Required 1..1 |
| FromToDate | Range of time between a start date and an end date for which the account statement is issued. | DateTimePeriodDetails - Optional 0..1 |
| CopyDuplicateIndicator | Indicates whether the document is a copy, a duplicate, or a duplicate of a copy. | CopyDuplicate1Code - Optional 0..1 |
| ReportingSource | Specifies the application used to generate the reporting. | IReportingSource1Choice - Optional 0..1 |
| Account | Unambiguous identification of the account to which credit and debit entries are made. | CashAccount25 - Required 1..1 |
| RelatedAccount | Identifies the parent account of the account for which the statement has been issued. | CashAccount24 - Optional 0..1 |
| Interest | Provides general interest information that applies to the account at a particular moment in time. | AccountInterest2 - Unknown 0..0 |
| Balance | Set of elements used to define the balance as a numerical representation of the net increases and decreases in an account at a specific point in time. | CashBalance3 - Unknown 1..0 |
| TransactionsSummary | Provides summary information on entries. | TotalTransactions4 - Optional 0..1 |
| Entry | Set of elements used to specify an entry in the statement. | Usage: At least one reference must be provided to identify the entry and its underlying transaction(s). |
| AdditionalStatementInformation | Further details of the account statement. | IsoMax500Text - Optional 0..1 |
SupplementaryData building block
Additional information that cannot be captured in the structured elements and/or any other specific block. Additional information that can not be captured in the structured fields and/or any other specific block. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% SupplementaryData1 recursion level 0 with max 1
class SupplementaryData1{
PlaceAndName IsoMax350Text
}
SupplementaryData1 *-- "1..1" IsoSupplementaryDataEnvelope1 : Envelope
%% IsoSupplementaryDataEnvelope1 recursion level 1 with max 1
SupplementaryData1 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| PlaceAndName | Unambiguous reference to the location where the supplementary data must be inserted in the message instance. In the case of XML, this is expressed by a valid XPath. | IsoMax350Text - Optional 0..1 |
| Envelope | Technical element wrapping the supplementary data. | IsoSupplementaryDataEnvelope1 - Required 1..1 |
Extensibility and generalization considerations
To facilitate generalized design patterns in the system, the BankToCustomerStatementV04 implementation follows a specific implementaiton pattern. First of all, BankToCustomerStatementV04 impleemnts IOuterRecord indicating it is the outermost logical part of the message definition. Like all message wrappers, BankToCustomerStatementV04Document implements IOuterDocument. Because BankToCustomerStatementV04 implements IOuterDocument, it is a suitable template parameter for IOuterDocument, and causes the internal ‘Message’ to be of type BankToCustomerStatementV04.
classDiagram
class IOuterRecord
BankToCustomerStatementV04 --|> IOuterRecord : Implements
BankToCustomerStatementV04Document --|> IOuterDocument~BankToCustomerStatementV04~ : Implements
class IOuterDocument~BankToCustomerStatementV04~ {
BankToCustomerStatementV04 Message
}
Document wrapper for serialization
The only real purpose BankToCustomerStatementV04Document serves is to cause the document to be serialized into the ‘urn:iso:std:iso:20022:tech:xsd:camt.053.001.04’ namespace. Therefore, it will probably be the usual practice to build the message and construct this wrapper at the last minute using BankToCustomerStatementV04.ToDocument() method. The returned BankToCustomerStatementV04Document value will serialize correctly according to ISO 20022 standards.
classDiagram
BankToCustomerStatementV04Document *-- BankToCustomerStatementV04 : Document
Sample of message format
This is an abbreviated version of what the message should look like.
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.053.001.04">
<BkToCstmrStmt>
<GrpHdr>
<!-- GroupHeader inner content -->
</GrpHdr>
<Stmt>
<!-- Statement inner content -->
</Stmt>
<SplmtryData>
<!-- SupplementaryData inner content -->
</SplmtryData>
</BkToCstmrStmt>
</Document>
Data from ISO specification
This is the technical data from the specification document.
<messageDefinition
xmi:id="_53IqESGnEeKjd4jizyIDGA"
nextVersions="_t4RSQRPdEeSVo-TFVwFHvA"
previousVersion="_r8LGgFkyEeGeoaLUQk__nA_-352559724"
name="BankToCustomerStatementV04"
definition="Scope
The BankToCustomerStatement message is sent by the account servicer to an account owner or to a party authorised by the account owner to receive the message. It is used to inform the account owner, or authorised party, of the entries booked to the account, and to provide the owner with balance information on the account at a given point in time.
Usage
The BankToCustomerStatement message can contain reports for more than one account. It provides information for cash management and/or reconciliation.
It contains information on booked entries only.
It can include underlying details of transactions that have been included in the entry.
The message is exchanged as defined between the account servicer and the account owner. It provides information on items that have been booked to the account and also balance information. Depending on services and schedule agreed between banks and their customers, statements may be generated and exchanged accordingly, for example for intraday or prior day periods.
It is possible that the receiver of the message is not the account owner, but a party entitled through arrangement with the account owner to receive the account information (also known as recipient)."
registrationStatus="Registered"
messageSet="_urpIICeJEeOCeO5e7islRQ"
xmlTag="BkToCstmrStmt"
rootElement="Document"
xmlns:xmi="http://www.omg.org/XMI">
<constraint
xmi:id="_53IqEyGnEeKjd4jizyIDGA"
nextVersions="_t4RSQxPdEeSVo-TFVwFHvA"
name="MessageOrStatementPaginationRule"
definition="MessagePagination may be present or StatementPagination may be present, but not both."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition><SimpleRule xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:type="SimpleRule"><mustBe><connector>OR</connector><BooleanRule xsi:type="Absence"><leftOperand>/GroupHeader/MessagePagination</leftOperand></BooleanRule><BooleanRule xsi:type="Absence"><leftOperand>/Statement[*]/StatementPagination</leftOperand></BooleanRule></mustBe></SimpleRule></RuleDefinition>" />
<constraint
xmi:id="_UmiOpSHZEeKGEZlIMFwKzg"
nextVersions="_t4RSRRPdEeSVo-TFVwFHvA"
name="SupplementaryDataRule"
definition="The SupplementaryData building block at message level must not be used to provide additional information about a transaction. The SupplementaryData element at transaction level should be used for that purpose."
registrationStatus="Provisionally Registered" />
<messageBuildingBlock
xmi:id="_53IqFyGnEeKjd4jizyIDGA"
nextVersions="_t4RSRxPdEeSVo-TFVwFHvA"
name="GroupHeader"
definition="Common information for the message."
registrationStatus="Provisionally Registered"
maxOccurs="1"
minOccurs="1"
xmlTag="GrpHdr"
complexType="_s-L9JFkyEeGeoaLUQk__nA_460842520" />
<messageBuildingBlock
xmi:id="_53IqGyGnEeKjd4jizyIDGA"
nextVersions="_t4RSSRPdEeSVo-TFVwFHvA"
name="Statement"
definition="Reports on booked entries and balances for a cash account."
registrationStatus="Provisionally Registered"
minOccurs="1"
xmlTag="Stmt"
complexType="_9cVDkSGxEeKjd4jizyIDGA" />
<messageBuildingBlock
xmi:id="_53IqHyGnEeKjd4jizyIDGA"
nextVersions="_t4RSSxPdEeSVo-TFVwFHvA"
name="SupplementaryData"
definition="Additional information that cannot be captured in the structured elements and/or any other specific block."
registrationStatus="Provisionally Registered"
minOccurs="0"
xmlTag="SplmtryData"
complexType="_Qn0zC9p-Ed-ak6NoX_4Aeg_468227563" />
<messageDefinitionIdentifier
businessArea="camt"
messageFunctionality="053"
flavour="001"
version="04" />
</messageDefinition>
ISO Building Blocks
The following items are used as building blocks to construct this message.