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iso 20022 · camt · schema + business rules

CAMT.053 validator

Free ISO 20022 schema + business-rule checker for CAMT.052, .053, and .054. Catches namespace, BIC, IBAN, and balance-reconciliation errors before the bank silently rejects your file.

Open the validator CAMT → CSV →
Browser-side
Account holders + counterparties never leave your device.
Three layers
XML well-formedness → XSD schema → business rules.
Plain-English errors
Line/column + the actual ISO 20022 rule violated — not a stack trace.

What gets checked

Namespace declaration
Schema version
Document → BkToCstmrStmt
GrpHdr.MsgId uniqueness
Stmt.Id present
ElctrncSeqNb monotonic
Acct.Id.IBAN checksum
Acct.Ccy ISO 4217
Bal type codes (OPBD/CLBD)
Bal arithmetic
Ntry.Amt.Ccy consistency
Ntry.BookgDt order
CdtDbtInd present
Sts (BOOK/PDNG)
DbtrAgt.BIC format
CdtrAgt.BIC format
DbtrAcct.IBAN
CdtrAcct.IBAN
RmtInf length limits
Ntry.AcctSvcrRef unique

Who needs this

Corporate treasury
Validating CAMT.053 from new banking partners before ingesting into Kyriba, GTreasury, or SAP S/4HANA Cash Management.
Banks & PSPs
QA'ing CAMT generation before customer rollout. ISO 20022 migration is global — every bank is shipping new CAMT pipelines through 2025–2027.
ERP integration teams
Diagnosing why SAP, Oracle, or NetSuite refuses a CAMT import. Usually a namespace or balance-arithmetic issue the validator pinpoints instantly.
Fintechs & open banking
Verifying CAMT output from PSD2 account information aggregators before pushing to downstream consumers.

Related tools

CAMT → CSV
Once it validates, convert it.
MT940 → CSV
Legacy SWIFT statements.
MT940 vs CAMT.053
Migration guide.

FAQ

What does the validator actually check?+

Three layers. (1) XML well-formedness. (2) Schema validation against the official ISO 20022 CAMT.053.001.02 / .08 / .10 XSDs. (3) Business rules — BIC format, IBAN checksum, balance arithmetic (opening + sum(entries) = closing), date ordering, and currency consistency.

Which CAMT variants are supported?+

CAMT.052 (Bank to Customer Account Report — intraday), CAMT.053 (Bank to Customer Statement — end-of-day), and CAMT.054 (Bank to Customer Debit/Credit Notification). All major version revisions: .02, .06, .08, .10.

Why do I need a validator?+

Banks reject CAMT files silently. A missing namespace, wrong BIC length, or off-by-a-cent balance can cause your entire payment run to be discarded with no useful error. Validating client-side catches it in seconds.

Does it validate PAIN files too?+

Not yet — this validator is CAMT-only (statements & notifications). PAIN (payment initiation) validation is on the roadmap.

Is my CAMT file uploaded?+

No. Schema validation, XPath checks, and BIC/IBAN arithmetic all run entirely in your browser. CAMT files contain account holders and counterparties — keeping them local is mandatory under most treasury policies.