📖 Bank Reconciliation · 2 min read

What are CAMT.053 and CAMT.054 Files? (Bank Reconciliation)

⚡ Quick Summary & Key Takeaway

While pain.001 sends outgoing payment orders to the bank, CAMT (Cash Management) messages are reports transmitted BACK from the bank to confirm executed transactions and balances.

CAMT.053: Electronic Bank Statement

CAMT.053 is an electronic bank statement listing opening balances, booked transactions, value dates, and closing balances for a given period. It modernizes the legacy SWIFT MT940 format.

CAMT.054: Debit / Credit Notification

CAMT.054 notifies the corporate treasury of individual executed or rejected payment instructions, simplifying matching against ERP accounts payable.

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