camt.060 — Account Reporting Request

The message that asks the bank to produce a statement on demand: intraday camt.052, end-of-day camt.053, camt.054 notification. ISO 20022 successor of SWIFT MT920.

Purpose and place in the flow

camt.060 allows an account holder (corporate, correspondent bank, other PSP) to trigger the on-demand production of a statement from their account-holding bank. It is the ISO 20022 equivalent of a SWIFT MT920, and complements the recurring subscription (handled by MT960 or portal configuration).

Typical use cases:

• a treasurer triggers an ad-hoc camt.053 on a multi-currency account at 15:00 to close their CCB;
• a reconciliation system requests an intraday camt.052 when an expected amount is late;
• a fund management agent asks for the statement of a specific past date (back-dating);
• a correspondent bank asks its nostro for a technical statement before cut-off.

XML structure

Wrapped in <Document> with the namespace, then in <AcctRptgReq> (Account Reporting Request). Two main blocks:

• GrpHdr (Group Header) — sending metadata: MsgId, CreDtTm, MsgSndr (sender).
• RptgReq (Reporting Request) — the request, repeatable 1 to n: identifier, requested report type (ReqdMsgNmId), concerned account (AcctOwnr, Acct, AcctSvcr), period (RptgPrd).

Key fields

• GrpHdr/MsgId — unique message identifier, max 35 chars.
• GrpHdr/CreDtTm — creation datetime.
• GrpHdr/MsgSndr — sender (may be the holder or a technical agent).
• RptgReq/Id — request identifier (distinct from MsgId).
• RptgReq/ReqdMsgNmId — requested message. camt.052.001.08, camt.053.001.08, camt.054.001.08.
• RptgReq/AcctOwnr — account holder.
• RptgReq/Acct/Id/IBAN — IBAN of the concerned account.
• RptgReq/AcctSvcr/FinInstnId/BICFI — account-holding bank BIC.
• RptgReq/RptgPrd/FrToDt — requested period (dates).
• RptgReq/RptgPrd/FrToTm — times (for intraday).
• RptgReq/RptgPrd/Tp — period type: ALLL (All), CHGS (Changes), BOOK (Booked items), INTM (Interim).

XML example

ACME SARL requests BNP Paribas to produce the camt.053 of 13 May 2026 on its IBAN FR7630006000011234567890189:

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.060.001.07">
  <AcctRptgReq>
    <GrpHdr>
      <MsgId>RPT-REQ-2026-05-14-001</MsgId>
      <CreDtTm>2026-05-14T10:00:00+01:00</CreDtTm>
      <MsgSndr>
        <Pty>
          <Nm>ACME SARL</Nm>
        </Pty>
      </MsgSndr>
    </GrpHdr>
    <RptgReq>
      <Id>RPTREQ-001</Id>
      <ReqdMsgNmId>camt.053.001.08</ReqdMsgNmId>
      <AcctOwnr>
        <Pty>
          <Nm>ACME SARL</Nm>
        </Pty>
      </AcctOwnr>
      <Acct>
        <Id>
          <IBAN>FR7630006000011234567890189</IBAN>
        </Id>
      </Acct>
      <AcctSvcr>
        <FinInstnId>
          <BICFI>BNPAFRPP</BICFI>
        </FinInstnId>
      </AcctSvcr>
      <RptgPrd>
        <FrToDt>
          <FrDt>2026-05-13</FrDt>
          <ToDt>2026-05-13</ToDt>
        </FrToDt>
        <FrToTm>
          <FrTm>00:00:00</FrTm>
          <ToTm>23:59:59</ToTm>
        </FrToTm>
        <Tp>ALLL</Tp>
      </RptgPrd>
    </RptgReq>
  </AcctRptgReq>
</Document>

• ReqdMsgNmId=camt.053.001.08: requests an end-of-day camt.053 statement.
• RptgPrd/FrToDt: 13 May 2026 (full day).
• RptgPrd/Tp=ALLL: all movements.
• Acct/Id/IBAN: ACME's IBAN.
• AcctSvcr/FinInstnId/BICFI: BNP Paribas as account-holding bank.

Versions

Common pitfalls

• Unsupported ReqdMsgNmId — not all banks can produce camt.054 (notification) on demand; some only accept camt.052/053. Check the bank CapabilityStatement first.
• Period too long — many banks cap the period at 31 days for camt.053 or 24h for camt.052. A 3-month period triggers a rejection or paginated production.
• IBAN not held — the account-holding bank (AcctSvcr) must actually hold the IBAN; otherwise rejection.
• Time without timezone — for FrToTm, specify the timezone (ISO 8601), especially for multi-currency / multi-timezone accounts.
• Request spamming — a client sending 10 camt.060 in 5 minutes on the same account is typically throttled. Space requests (CBPR+ recommends max 1/min per account).
• No explicit ACK — camt.060 does not generate a confirmation response: the response is the statement (camt.052/053/054) itself, or a business error camt.087.

Equivalence with MT920 / MT960

Related messages

• camt.053 — Bank-to-Customer Statement (end-of-day statement).
• camt.052 — Bank-to-Customer Account Report (intraday statement).
• camt.054 — Bank-to-Customer Debit/Credit Notification.
• camt.087 — Request to Modify Payment / Acknowledgement of error.
• admi.005 — Report Query Request.
• reda.029 — Calendar Query.