Updated: July 2026
What the file represents
CAMT.053 is an ISO 20022 bank-to-customer statement message. It is XML, which means data is stored in named elements rather than fixed spreadsheet columns.
Entry-level information
A statement entry can include amount, currency, debit or credit direction, booking date, value date, bank reference and additional information. Nested transaction details can contain richer remittance and party data.
Why CSV exports vary
A converter must decide which XML level to flatten. One bank entry can contain multiple nested transaction details, so a simple statement-level CSV may summarize information rather than expose every nested field.
Namespace compatibility
CAMT versions use XML namespaces. A parser that reads element local names can support several common namespace prefixes, but new versions and bank extensions still require testing.
How to verify the output
Compare the number of entries, currencies, debit/credit direction and date range. For grouped entries, inspect the original XML or use a specialized accounting import rather than assuming one CSV row equals one underlying payment.
Useful tools
Bank Statement Converter · QuickBooks CSV Formatter · Xero CSV Formatter