camt.052 — Bank-to-Customer Account Report
Intraday report sent by the bank to its customer (corporate or other bank) to give a point-in-time view of movements and balance on an account. Cornerstone of modern intraday cash management.
Purpose: intraday reporting
Where camt.053 gives the end-of-day statement, camt.052 is used for multiple daily notifications (hourly, on demand via camt.060, or when a balance threshold is crossed). Essential to notional cash pooling, intra-day netting and short placement / funding decisions.
XML structure
Wrapped in <BkToCstmrAcctRpt>. GrpHdr + Rpt (one per account).
| Element | Role |
|---|---|
Rpt/FrToDt | Covered time range (intraday). |
Rpt/Acct | Account (IBAN, currency, owner, servicer). |
Rpt/Bal | Balances (OPBD opening, ITAV intermediate available, CLBD closing, etc.). |
Rpt/Ntry | Entries (transactions) with ISO 20022 External Codeset BkTxCd. |
Major balance types (ISO 20022 ExtBalType): OPBD Opening Booked, CLBD Closing Booked, ITBD Interim Booked, CLAV Closing Available, ITAV Interim Available, FWAV Forward Available.
Example: midday report
ACME SARL with BNP Paribas — opening 125,000 EUR, intermediate available 137,250 EUR at 14:30:
<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.052.001.08">
<BkToCstmrAcctRpt>
<GrpHdr>
<MsgId>INTRA-20260518-001</MsgId>
<CreDtTm>2026-05-18T14:30:00+02:00</CreDtTm>
<MsgPgntn>
<PgNb>1</PgNb>
<LastPgInd>true</LastPgInd>
</MsgPgntn>
</GrpHdr>
<Rpt>
<Id>INTRA-RPT-001</Id>
<RptPgntn>
<PgNb>1</PgNb>
<LastPgInd>true</LastPgInd>
</RptPgntn>
<CreDtTm>2026-05-18T14:30:00+02:00</CreDtTm>
<FrToDt>
<FrDtTm>2026-05-18T00:00:00+02:00</FrDtTm>
<ToDtTm>2026-05-18T14:30:00+02:00</ToDtTm>
</FrToDt>
<Acct>
<Id><IBAN>FR7630006000011234567890189</IBAN></Id>
<Ccy>EUR</Ccy>
<Ownr><Nm>ACME SARL</Nm></Ownr>
<Svcr><FinInstnId><BICFI>BNPAFRPP</BICFI></FinInstnId></Svcr>
</Acct>
<Bal>
<Tp><CdOrPrtry><Cd>OPBD</Cd></CdOrPrtry></Tp>
<Amt Ccy="EUR">125000.00</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<Dt><Dt>2026-05-18</Dt></Dt>
</Bal>
<Bal>
<Tp><CdOrPrtry><Cd>ITAV</Cd></CdOrPrtry></Tp>
<Amt Ccy="EUR">137250.00</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<Dt><DtTm>2026-05-18T14:30:00+02:00</DtTm></Dt>
</Bal>
<TxsSummry>
<TtlNtries>
<NbOfNtries>3</NbOfNtries>
<Sum>15250.00</Sum>
</TtlNtries>
</TxsSummry>
<Ntry>
<Amt Ccy="EUR">12500.00</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<Sts><Cd>BOOK</Cd></Sts>
<BookgDt><DtTm>2026-05-18T10:30:00+02:00</DtTm></BookgDt>
<ValDt><Dt>2026-05-18</Dt></ValDt>
<AcctSvcrRef>BNPP-2026-005</AcctSvcrRef>
<BkTxCd>
<Domn>
<Cd>PMNT</Cd>
<Fmly><Cd>RCDT</Cd><SubFmlyCd>ESCT</SubFmlyCd></Fmly>
</Domn>
</BkTxCd>
</Ntry>
</Rpt>
</BkToCstmrAcctRpt>
</Document>Common pitfalls
- Mixing OPBD / CLBD: opening must be dated for the current day ; closing has no sense in an intraday camt.052 (use camt.053).
- BkTxCd outside codeset: PMNT/RCDT/ESCT, etc. — use ISO 20022 ExternalBankTransactionDomain1Code codes.
- NbOfNtries != count(Ntry): the stack sees inconsistency and triggers a reject.
- Confusion with camt.054: camt.054 notifies a single debit/credit ; camt.052 is an aggregated report.
MT942 equivalence
The MT equivalent is MT942 (Interim Transaction Report). camt.052 is richer: explicit pagination, structured time intervals, more balance types, strict transaction codification through External Codesets.