camt.053.001.11
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
%% BankToCustomerStatementV11 recursion level 0 with max 0
BankToCustomerStatementV11 *-- "1..1" GroupHeader81 : GroupHeader
BankToCustomerStatementV11 *-- "1..1" AccountStatement12 : Statement
BankToCustomerStatementV11 *-- "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
%% GroupHeader81 recursion level 0 with max 1
class GroupHeader81{
MessageIdentification IsoMax35Text
CreationDateTime IsoISODateTime
AdditionalInformation IsoMax500Text
}
GroupHeader81 *-- "0..1" PartyIdentification135 : MessageRecipient
GroupHeader81 *-- "0..1" Pagination1 : MessagePagination
GroupHeader81 *-- "0..1" OriginalBusinessQuery1 : OriginalBusinessQuery
%% PartyIdentification135 recursion level 1 with max 1
class PartyIdentification135{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification135 *-- "0..1" PostalAddress24 : PostalAddress
PartyIdentification135 *-- "0..1" IParty38Choice : Identification
PartyIdentification135 *-- "0..1" Contact4 : ContactDetails
%% Pagination1 recursion level 1 with max 1
class Pagination1{
PageNumber IsoMax5NumericText
LastPageIndicator IsoYesNoIndicator
}
%% OriginalBusinessQuery1 recursion level 1 with max 1
class OriginalBusinessQuery1{
MessageIdentification IsoMax35Text
MessageNameIdentification IsoMax35Text
CreationDateTime IsoISODateTime
}
GroupHeader81 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
%% AccountStatement12 recursion level 0 with max 1
class AccountStatement12{
Identification IsoMax35Text
ElectronicSequenceNumber IsoNumber
LegalSequenceNumber IsoNumber
CreationDateTime IsoISODateTime
CopyDuplicateIndicator CopyDuplicate1Code
AdditionalStatementInformation IsoMax500Text
}
AccountStatement12 *-- "0..1" Pagination1 : StatementPagination
AccountStatement12 *-- "0..1" ISequenceRange1Choice : ReportingSequence
AccountStatement12 *-- "0..1" DateTimePeriod1 : FromToDate
AccountStatement12 *-- "0..1" IReportingSource1Choice : ReportingSource
AccountStatement12 *-- "1..1" CashAccount41 : Account
AccountStatement12 *-- "0..1" CashAccount40 : RelatedAccount
AccountStatement12 *-- "0..0" AccountInterest4 : Interest
AccountStatement12 *-- "1..0" CashBalance8 : Balance
AccountStatement12 *-- "0..1" TotalTransactions6 : TransactionsSummary
AccountStatement12 *-- "0..0" ReportEntry13 : Entry
%% Pagination1 recursion level 1 with max 1
class Pagination1{
PageNumber IsoMax5NumericText
LastPageIndicator IsoYesNoIndicator
}
%% ISequenceRange1Choice recursion level 1 with max 1
%% DateTimePeriod1 recursion level 1 with max 1
class DateTimePeriod1{
FromDateTime IsoISODateTime
ToDateTime IsoISODateTime
}
%% IReportingSource1Choice recursion level 1 with max 1
%% CashAccount41 recursion level 1 with max 1
class CashAccount41{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount41 *-- "0..1" IAccountIdentification4Choice : Identification
CashAccount41 *-- "0..1" ICashAccountType2Choice : Type
CashAccount41 *-- "0..1" ProxyAccountIdentification1 : Proxy
CashAccount41 *-- "0..1" PartyIdentification135 : Owner
CashAccount41 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : Servicer
%% CashAccount40 recursion level 1 with max 1
class CashAccount40{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount40 *-- "0..1" IAccountIdentification4Choice : Identification
CashAccount40 *-- "0..1" ICashAccountType2Choice : Type
CashAccount40 *-- "0..1" ProxyAccountIdentification1 : Proxy
%% AccountInterest4 recursion level 1 with max 1
class AccountInterest4{
Reason IsoMax35Text
}
AccountInterest4 *-- "0..1" IInterestType1Choice : Type
AccountInterest4 *-- "0..0" Rate4 : Rate
AccountInterest4 *-- "0..1" DateTimePeriod1 : FromToDate
AccountInterest4 *-- "0..1" TaxCharges2 : Tax
%% CashBalance8 recursion level 1 with max 1
class CashBalance8{
Amount IsoActiveOrHistoricCurrencyAndAmount
CreditDebitIndicator CreditDebitCode
}
CashBalance8 *-- "1..1" BalanceType13 : Type
CashBalance8 *-- "0..0" CreditLine3 : CreditLine
CashBalance8 *-- "1..1" IDateAndDateTime2Choice : Date
CashBalance8 *-- "0..0" CashAvailability1 : Availability
%% TotalTransactions6 recursion level 1 with max 1
TotalTransactions6 *-- "0..1" NumberAndSumOfTransactions4 : TotalEntries
TotalTransactions6 *-- "0..1" NumberAndSumOfTransactions1 : TotalCreditEntries
TotalTransactions6 *-- "0..1" NumberAndSumOfTransactions1 : TotalDebitEntries
TotalTransactions6 *-- "0..0" TotalsPerBankTransactionCode5 : TotalEntriesPerBankTransactionCode
%% ReportEntry13 recursion level 1 with max 1
class ReportEntry13{
EntryReference IsoMax35Text
Amount IsoActiveOrHistoricCurrencyAndAmount
CreditDebitIndicator CreditDebitCode
ReversalIndicator IsoTrueFalseIndicator
AccountServicerReference IsoMax35Text
CommissionWaiverIndicator IsoYesNoIndicator
AdditionalEntryInformation IsoMax500Text
}
ReportEntry13 *-- "1..1" IEntryStatus1Choice : Status
ReportEntry13 *-- "0..1" IDateAndDateTime2Choice : BookingDate
ReportEntry13 *-- "0..1" IDateAndDateTime2Choice : ValueDate
ReportEntry13 *-- "0..0" CashAvailability1 : Availability
ReportEntry13 *-- "1..1" BankTransactionCodeStructure4 : BankTransactionCode
ReportEntry13 *-- "0..1" MessageIdentification2 : AdditionalInformationIndicator
ReportEntry13 *-- "0..1" AmountAndCurrencyExchange4 : AmountDetails
ReportEntry13 *-- "0..1" Charges6 : Charges
ReportEntry13 *-- "0..1" ITechnicalInputChannel1Choice : TechnicalInputChannel
ReportEntry13 *-- "0..1" TransactionInterest4 : Interest
ReportEntry13 *-- "0..1" CardEntry5 : CardTransaction
ReportEntry13 *-- "0..0" EntryDetails12 : EntryDetails
AccountStatement12 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. | Pagination1 - 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. |
| ReportingSequence | Specifies the range of identification sequence numbers, as provided in the request. | ISequenceRange1Choice - Optional 0..1 |
| 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 statement was created. | IsoISODateTime - Optional 0..1 |
| FromToDate | Range of time between a start date and an end date for which the account statement is issued. | DateTimePeriod1 - 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. | CashAccount41 - Required 1..1 |
| RelatedAccount | Identifies the parent account of the account for which the statement has been issued. | CashAccount40 - Optional 0..1 |
| Interest | Provides general interest information that applies to the account at a particular moment in time. | AccountInterest4 - 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. | CashBalance8 - Unknown 1..0 |
| TransactionsSummary | Provides summary information on entries. | TotalTransactions6 - Optional 0..1 |
| Entry | Specify an entry in the statement. Usage: At least one reference must be provided to identify the entry and its underlying transaction(s). Usage Rule: In case of a Payments R-transaction the creditor / debtor referenced of the original payment initiation messages is also used for reporting of the R-transaction. The original debtor/creditor in the reporting of R-Transactions is not inverted. Following elements all defined in the TransactionDetails in RelatedParties or RelatedAgents are impacted by this usage rule: Creditor, UltimateCreditor, CreditorAccount, CreditorAgent, Debtor, UltimateDebtor, DebtorAccount and DebtorAgent. | ReportEntry13 - Unknown 0..0 |
| 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 BankToCustomerStatementV11 implementation follows a specific implementaiton pattern. First of all, BankToCustomerStatementV11 impleemnts IOuterRecord indicating it is the outermost logical part of the message definition. Like all message wrappers, BankToCustomerStatementV11Document implements IOuterDocument. Because BankToCustomerStatementV11 implements IOuterDocument, it is a suitable template parameter for IOuterDocument, and causes the internal ‘Message’ to be of type BankToCustomerStatementV11.
classDiagram
class IOuterRecord
BankToCustomerStatementV11 --|> IOuterRecord : Implements
BankToCustomerStatementV11Document --|> IOuterDocument~BankToCustomerStatementV11~ : Implements
class IOuterDocument~BankToCustomerStatementV11~ {
BankToCustomerStatementV11 Message
}
Document wrapper for serialization
The only real purpose BankToCustomerStatementV11Document serves is to cause the document to be serialized into the ‘urn:iso:std:iso:20022:tech:xsd:camt.053.001.11’ namespace. Therefore, it will probably be the usual practice to build the message and construct this wrapper at the last minute using BankToCustomerStatementV11.ToDocument() method. The returned BankToCustomerStatementV11Document value will serialize correctly according to ISO 20022 standards.
classDiagram
BankToCustomerStatementV11Document *-- BankToCustomerStatementV11 : 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.053.001.11">
<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="_8gJCcQ5qEe2xs7BqO31w6w"
previousVersion="_DS9m0StuEeysar7zFstVmw"
name="BankToCustomerStatementV11"
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="_wRx2xE2rEeG_I4xRYCA_7g"
xmlTag="BkToCstmrStmt"
rootElement="Document"
xmlns:xmi="http://www.omg.org/XMI">
<constraint
xmi:id="_8gJCcw5qEe2xs7BqO31w6w"
previousVersion="_DS9m0ytuEeysar7zFstVmw"
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="_8gJCdQ5qEe2xs7BqO31w6w"
previousVersion="_DS9m1StuEeysar7zFstVmw"
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="_8gJCdw5qEe2xs7BqO31w6w"
previousVersion="_DS9m3ytuEeysar7zFstVmw"
name="GroupHeader"
definition="Common information for the message."
registrationStatus="Provisionally Registered"
maxOccurs="1"
minOccurs="1"
xmlTag="GrpHdr"
complexType="_I5uXpW49EeiU9cctagi5ow" />
<messageBuildingBlock
xmi:id="_8gJpgQ5qEe2xs7BqO31w6w"
previousVersion="_DS9m4StuEeysar7zFstVmw"
name="Statement"
definition="Reports on booked entries and balances for a cash account."
registrationStatus="Provisionally Registered"
minOccurs="1"
xmlTag="Stmt"
complexType="_mjERsQ5rEe2xs7BqO31w6w" />
<messageBuildingBlock
xmi:id="_8gJpgw5qEe2xs7BqO31w6w"
previousVersion="_DS9m4ytuEeysar7zFstVmw"
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="11" />
</messageDefinition>
ISO Building Blocks
The following items are used as building blocks to construct this message.