camt.054 — Bank To Customer Debit Credit Notification

camt.054 is the ISO 20022 message for notifications of single debits or credits on an account — intraday or as a breakdown of batch bookings in camt.053.

Structure

Every ISO 20022 message has a Document root in the message's own namespace (urn:iso:std:iso:20022:tech:xsd:camt.054.<variant>.<version>), with exactly one child — here BkToCstmrDbtCdtNtfctn:

• GrpHdr — message id and creation time
• Ntfctn — one notification per account
• Ntry / TxDtls — the bookings with references, parties and remittance information

The exact content differs between versions (camt.054.001.03, .001.09, …) and is usually restricted further by your bank's or scheme's implementation guide (for example the EPC rulebooks for SEPA).

View the schema

Open camt.054.001.12, the latest version, directly in the viewer — or pick another version of camt.054 in the ISO 20022 tab. Then explore Document/BkToCstmrDbtCdtNtfctn as a diagram, search for element names (Ctrl/⌘ + K), and export the diagram or an HTML documentation for your team.

The schemas are loaded from a public mirror of the ISO 20022 catalogue, unchanged; the authoritative source is the ISO 20022 message catalogue. Your bank's implementation guide may require a specific version — the version is the last part of the file's namespace.

Validate a camt.054 file

Load the XSD, then validate your XML document against it — in the browser or via the REST API from a script. For a file-first workflow with an Excel list of all errors, use the XML Viewer. Schema validation checks structure, types, lengths and code lists; rules from bank-specific implementation guides (MIGs) are outside an XSD and need your bank's own validator.

Typical use: Detailed reconciliation of batch bookings, incoming payment notifications.

Open camt.054.001.12 in the viewer