XML message for Bank to Customer Statement (camt.053) Implementation ...

XML message for Bank to Customer Statement (camt.053) Implementation Guidelines for the Netherlands

Disclaimer These guidelines may be subject to changes. Utmost care has been taken to ensure the information in this publication is accurate. However, the Dutch Banking Association shall not be liable for any errors, inaccuracies or omissions in the contents of this publication. Version 1.0 ? May 2011

NVB IG Bank to Customer Statement (camt.053)

Contents

1. Introduction ..................................................................................................................................................................................... 3 2. Coverage .......................................................................................................................................................................................... 4 3. General Principles ............................................................................................................................................................................ 5 4. Use of these Guidelines ................................................................................................................................................................... 6 5. Character set .................................................................................................................................................................................... 7 6. Message Structure ........................................................................................................................................................................... 8 7. Principles governing the structure of reporting ............................................................................................................................. 11 8. Usage rules as determined by the NVB.......................................................................................................................................... 15 9. Message Items description ............................................................................................................................................................ 19 Annex A Detailed Message Item overview ............................................................................................................................................ 155 Annex B Comparison MT 940 to camt.053 ............................................................................................................................................ 193 Annex C Rulebook attribute equivalent................................................................................................................................................. 194 Annex D ISO error codes and mapping to VerWinfo error codes .......................................................................................................... 196 Annex E PAIN.002 (rejects) fields and usage rules.................................................................................................................................201 Annex F Overview ISO codes ................................................................................................................................................................. 209 Annex G Generic ISO Message Items..................................................................................................................................................... 219 Annex H Example messages................................................................................................................................................................... 227

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1. Introduction

NVB IG Bank to Customer Statement (camt.053)

This document describes the Implementation Guidelines for the XML Bank to Customer Statement message ISO20022 "camt.053.001.02" in the Netherlands.

The purpose of these Implementation Guidelines is to provide guidance on the use of Bank to Customer Statement Message sent by banks, residing in The Netherlands. These guidelines for Bank to Customer Statement are compliant with the Bank to Customer Statement message ISO20022.

These Implementation Guidelines have been developed by the Dutch banks together with the Dutch Banking Association (NVB).

This publication has been prepared with the utmost care. Nevertheless, the NVB can by no means be held responsible for any loss or damage incurred to any incorrect or incomplete information contained in this document.

Please contact your bank for any further information.

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NVB IG Bank to Customer Statement (camt.053)

2. Coverage

The Bank To CustomerStatement message (camt.053) 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. The Bank To Customer Statement 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 as well as 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).

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3. General Principles

NVB IG Bank to Customer Statement (camt.053)

Contents of the message

- The message can hold the reporting on one or more accounts; - The contents of the message will be limited to information about the transactions that have been entered into

bookkeeping; - Reporting will be done in the account currency. Any transaction in an other currency first will be converted into the

account currency; - Reporting as for the transactions that have been entered into bookkeeping, will be carried out through MX

camt053.001.02 BankToCustomerStatementV02; - The message can be split up into several messages depending on the volume of data to be transferred.

Periodicity of the message

- As a matter of principle, a message will be created each bank working day when transactions are taking place. Exceptionally, this may also be the case on a day without any transactions;

- It will be possible for some banks to send a message, at their customers' request, which contains the reporting as for different dates (on a weekly, monthly, ... basis).

Aggregating of transactions

- This principle has been adopted for `customer' aggregating (e.g. a data record for invoicing or a data record for the payment of salaries or for paying suppliers for which a single amount is credited or debited to the customer) as well as for `bank' aggregating, e.g. the total amount of a series of money transfers for which aggregating is acquired.

- The details of these aggregating can be sent as well in the full message as in a separate message.

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