{"title":"Account statements","category":"default","creationDate":1776961628,"content":"<p>Adyen provides account statements in the industry-standard CAMT.053 format, which is part of the <a href=\"https:\/\/www.iso20022.org\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">ISO 20022<\/a> financial messaging standard. CAMT.053 uses structured codes to classify the type and status of each transaction. This ensures consistency and interoperability across financial institutions.<\/p>\n<p>Account statements summarize the financial activity in a business account for a specific period, such as a day or a month. You can use these auditable statements to reconcile balances and provide detailed transaction reports to your users.<\/p>\n<h2>Requirements<\/h2>\n<p>Before you begin, take into account the following requirements and preparations.<\/p>\n<table>\n<thead>\n<tr>\n<th style=\"text-align: left;\">Requirement<\/th>\n<th style=\"text-align: left;\">Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: left;\"><strong>Integration type<\/strong><\/td>\n<td style=\"text-align: left;\">You must have an Adyen <a href=\"\/pt\/business-accounts\/\">business accounts integration<\/a>.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><strong><a href=\"\/pt\/development-resources\/api-credentials\/\">API credentials<\/a><\/strong><\/td>\n<td style=\"text-align: left;\">Generate an API key for <strong>Report user<\/strong> for the balance platform. Your API credential must have the following role:  <ul><li markdown=\"1\"><strong>Bank_Download ReportsRole<\/strong><\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><strong><a href=\"\/pt\/development-resources\/webhooks\">Webhooks<\/a><\/strong><\/td>\n<td style=\"text-align: left;\">Your server must be able to receive and accept webhooks. You must subscribe to the  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/report-webhooks\/latest\/post\/balancePlatform.report.created\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">balancePlatform.report.created<\/a> webhook.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><strong>Setup steps<\/strong><\/td>\n<td style=\"text-align: left;\">Reach out to your Adyen contact to:<ul><li markdown=\"1\">Enable the feature on your balance platform.<\/li><li markdown=\"1\">Configure your <a href=\"#account-statement-settings\">account statement settings<\/a>.<\/li><\/ul><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>Account statement settings<\/h3>\n<p>When you contact Adyen to enable the feature, you can customize the following statement configurations:<\/p>\n<table>\n<thead>\n<tr>\n<th style=\"text-align: left;\">Feature<\/th>\n<th style=\"text-align: center;\">Required<\/th>\n<th style=\"text-align: left;\">Description<\/th>\n<th style=\"text-align: left;\">Options<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: left;\"><strong>Timeframe<\/strong><\/td>\n<td style=\"text-align: center;\"><div align=\"center\"><span class=\"hint--bottom\" data-hint=\"Required\" markdown=\"1\"><img style=\"width: 25px;\" alt=\"Required\" src=\"\/user\/pages\/reuse\/image-library\/01.icons\/required\/required.svg?decoding=auto&amp;fetchpriority=auto\" \/><\/span><\/div><\/td>\n<td style=\"text-align: left;\">Sets the reporting frequency.<\/td>\n<td style=\"text-align: left;\">Daily, monthly, or both<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><strong><a href=\"#bai-codes-optional-\">BAI codes<\/a><\/strong><\/td>\n<td style=\"text-align: center;\"><\/td>\n<td style=\"text-align: left;\">Enables Bank Administration Institute codes for standardized transaction classification.<\/td>\n<td style=\"text-align: left;\">Enabled or disabled<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><strong>Summary<\/strong><\/td>\n<td style=\"text-align: center;\"><\/td>\n<td style=\"text-align: left;\">Includes a <a href=\"#7-transaction-summary-stmttxssummry\">transaction summary<\/a> block for an overview of totals.<\/td>\n<td style=\"text-align: left;\">Included or excluded<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><strong>Date format<\/strong><\/td>\n<td style=\"text-align: center;\"><div align=\"center\"><span class=\"hint--bottom\" data-hint=\"Required\" markdown=\"1\"><img style=\"width: 25px;\" alt=\"Required\" src=\"\/user\/pages\/reuse\/image-library\/01.icons\/required\/required.svg?decoding=auto&amp;fetchpriority=auto\" \/><\/span><\/div><\/td>\n<td style=\"text-align: left;\">Defines which date is used for transactions in the statement.<\/td>\n<td style=\"text-align: left;\">Value date or booking date<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Download an account statement<\/h2>\n<p>Adyen automatically generates account statements. When a statement is ready:<\/p>\n<ol>\n<li>Adyen sends a  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/report-webhooks\/latest\/post\/balancePlatform.report.created\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">balancePlatform.report.created<\/a> webhook message to your configured endpoint in the <a href=\"https:\/\/ca-test.adyen.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Customer Area<\/a>. The webhook includes the <code>balanceAccount<\/code>, <code>fileName<\/code>, and <code>downloadUrl<\/code> fields.<\/li>\n<\/ol>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Example of an account statement webhook'\" :id=\"''\" :code-data='[{\"language\":\"json\",\"tabTitle\":\"\",\"content\":\"{\\n    \\\"type\\\": \\\"balancePlatform.report.created\\\",\\n    \\\"environment\\\": \\\"live\\\",\\n    \\\"data\\\": {\\n        \\\"balancePlatform\\\": \\\"YOUR_BALANCE_PLATFORM\\\",\\n        \\\"id\\\": \\\"CAMT053_BA00000000000000000000001_20260101000000_20260101235959_EUR.xml\\\",\\n        \\\"creationDate\\\": \\\"2026-01-02T00:59:59+01:00\\\",\\n        \\\"fileName\\\": \\\"CAMT053_BA00000000000000000000001_20260101000000_20260101235959_EUR.xml\\\",\\n        \\\"downloadUrl\\\": \\\"https:\\\/\\\/balanceplatform-live.adyen.com\\\/balanceplatform\\\/reportDownload\\\/statements\\\/v1\\\/balanceaccount\\\/BA00000000000000000000001\\\/CAMT053_BA00000000000000000000001_20260101000000_20260101235959_EUR.xml\\\",\\n        \\\"accountHolder\\\": {\\n            \\\"id\\\": \\\"AH00000000000000000000001\\\",\\n            \\\"description\\\": \\\"Your description for the account holder\\\"\\n        },\\n        \\\"balanceAccount\\\": {\\n            \\\"id\\\": \\\"BA00000000000000000000001\\\",\\n            \\\"description\\\": \\\"Your description for the balance account\\\"\\n        }\\n    },\\n    \\\"timestamp\\\": \\\"2026-01-02T00:59:59+01:00\\\"\\n}\"}]' :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<ol start=\"2\">\n<li>Use the download URL to retrieve the statement file with a <code>GET<\/code> request.<\/li>\n<\/ol>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Example download statement request'\" :id=\"'download-account-statement-request'\" :code-data='[{\"language\":\"bash\",\"tabTitle\":\"\",\"content\":\"curl -X GET \\\"https:\\\/\\\/balanceplatform-api-test.adyen.com\\\/balanceplatform\\\/reportDownload\\\/statements\\\/v1\\\/balanceaccount\\\/BA00000000000000000000001\\\/statement-2026-03-01.xml\\\" \\\\\\n  -H \\\"X-API-Key: REPORT_USER_API_KEY\\\" \\\\\\n  -H \\\"Content-Type: application\\\/xml\\\" \\\\\\n  -o {LOCAL_FILE_NAME}.xml\"}]' :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<hr \/>\n<h2>Account statement elements<\/h2>\n<p>Adyen provides account statements in ISO 20022 CAMT.053 format. Each CAMT.053 statement follows a fixed XML hierarchy. This section explains the key blocks and their corresponding XML tags. The CAMT.053 statement has the following high-level structure:<\/p>\n<div class=\"row\" style=\"align-items: center;justify-content: center;\">\n<div class=\"col col-12 col-md-6\" style=\"background-color:transparent;;\"><pre><code class=\"language-text\">BkToCstmrStmt\n    \u251c\u2500 GrpHdr\n    \u2514\u2500 Stmt\n        \u251c\u2500 Acct\n        \u251c\u2500 Bal\n        \u2514\u2500 Ntry\n            \u2514\u2500 NtryDtls\n                \u2514\u2500 TxDtls<\/code><\/pre><\/div><div class=\"col col-12 col-md-6\" style=\"background-color:transparent;;\"><pre><code class=\"language-text\">BankToCustomerStatement\n    \u251c\u2500 GroupHeader\n    \u2514\u2500 Statement\n        \u251c\u2500 Account\n        \u251c\u2500 Balance\n        \u2514\u2500 Entry\n            \u2514\u2500 EntryDetails\n                \u2514\u2500 TransactionDetails<\/code><\/pre><\/div><\/div>\n<p>Each block is described below.<\/p>\n<div class=\"accordion-shortcode adl-accordion adl-accordion--max-height-transition\" data-expand=\"true\" data-ignore=\"anchorjs-link\">\n    \n    <div class=\"adl-accordion__item\" style=\"\">\n        <div tabindex=\"0\" role=\"item\" aria-expanded=\"false\" class=\"adl-accordion__header\">\n            <i class=\"adl-accordion__toggle adl-icon-chevron-down\"><\/i>\n            <div class=\"adl-accordion__title-wrapper\" data-accordion=\"#1-group-header-block-grp-hdr\">\n                                    <h4 class=\"adl-accordion__title\">1. Group header block (GrpHdr)<\/h4>\n                            <\/div>\n        <\/div>\n        <div role=\"region\" class=\"adl-accordion__content\">\n            \n<p>Metadata for the entire statement message. Includes general information about the statement and its intended recipient.<\/p>\n<table>\n<thead>\n<tr>\n<th>Tag<\/th>\n<th>Element name<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><code>&lt;GrpHdr&gt;<\/code><\/td>\n<td>Group Header<\/td>\n<td>Container for metadata regarding the statement message and recipient.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;MsgId&gt;<\/code><\/td>\n<td>Message Identification<\/td>\n<td>Adyen-generated unique ID of the statement message.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;CreDtTm&gt;<\/code><\/td>\n<td>Creation Date Time<\/td>\n<td>The date and time the statement was generated.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;MsgRcpt&gt;<\/code><\/td>\n<td>Message Recipient<\/td>\n<td>Contains information regarding the legal entity of the balance platform owner.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;Nm&gt;<\/code><\/td>\n<td>Name<\/td>\n<td>The name of the legal entity receiving the statement.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;PstlAdr&gt;<\/code><\/td>\n<td>Postal Address<\/td>\n<td>The mailing address of the message recipient.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;PstCd&gt;<\/code><\/td>\n<td>Post Code<\/td>\n<td>The postal code of the recipient.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;TwnNm&gt;<\/code><\/td>\n<td>Town Name<\/td>\n<td>The city or town of the recipient.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;CtrySubDvsn&gt;<\/code><\/td>\n<td>Country Sub Division<\/td>\n<td>The state, province, or region of the recipient.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;Ctry&gt;<\/code><\/td>\n<td>Country<\/td>\n<td>The ISO country code of the recipient.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;AdrLine&gt;<\/code><\/td>\n<td>Address Line<\/td>\n<td>Up to 7 lines of additional address information.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;MsgPgntn&gt;<\/code><\/td>\n<td>Message Pagination<\/td>\n<td>Used if the statement is split across multiple files.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;PgNb&gt;<\/code><\/td>\n<td>Page Number<\/td>\n<td>The current page number of the message.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;LastPgInd&gt;<\/code><\/td>\n<td>Last Page Indicator<\/td>\n<td>Indicates whether this is the final page of the statement.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;AddtlInf&gt;<\/code><\/td>\n<td>Additional Information<\/td>\n<td>General additional information regarding the message.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"accordion-shortcode adl-accordion adl-accordion--max-height-transition\" data-expand=\"true\" data-ignore=\"anchorjs-link\">\n    \n    <div class=\"adl-accordion__item\" style=\"\">\n        <div tabindex=\"0\" role=\"item\" aria-expanded=\"false\" class=\"adl-accordion__header\">\n            <i class=\"adl-accordion__toggle adl-icon-chevron-down\"><\/i>\n            <div class=\"adl-accordion__title-wrapper\" data-accordion=\"#2-statement-block-stmt\">\n                                    <h4 class=\"adl-accordion__title\">2. Statement block (Stmt)<\/h4>\n                            <\/div>\n        <\/div>\n        <div role=\"region\" class=\"adl-accordion__content\">\n            \n<p>Each <Stmt> represents one account and one currency. A file can contain multiple statements.<\/p>\n<table>\n<thead>\n<tr>\n<th>Tag<\/th>\n<th>Element name<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><code>&lt;Stmt&gt;<\/code><\/td>\n<td>Statement<\/td>\n<td>Main container for a specific account statement<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;Id&gt;<\/code><\/td>\n<td>Identification<\/td>\n<td>Unique identifier for the statement<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;CreDtTm&gt;<\/code><\/td>\n<td>Creation Date Time<\/td>\n<td>The date and time this statement block was created<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;FrToDt&gt;<\/code><\/td>\n<td>From To Date<\/td>\n<td>Container for the reporting period of the statement<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;FrDtTm&gt;<\/code><\/td>\n<td>From Date Time<\/td>\n<td>The start date and time of the reporting period<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;ToDtTm&gt;<\/code><\/td>\n<td>To Date Time<\/td>\n<td>The end date and time of the reporting period<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;CpyDplctInd&gt;<\/code><\/td>\n<td>Copy Duplicate Indicator<\/td>\n<td>Indicates whether the statement is a copy or duplicate<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;RptgSrc&gt;<\/code><\/td>\n<td>Reporting Source<\/td>\n<td>Identifies the reporting source<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;AddtlStmtInf&gt;<\/code><\/td>\n<td>Additional Statement Information<\/td>\n<td>Additional details about the statement<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"accordion-shortcode adl-accordion adl-accordion--max-height-transition\" data-expand=\"true\" data-ignore=\"anchorjs-link\">\n    \n    <div class=\"adl-accordion__item\" style=\"\">\n        <div tabindex=\"0\" role=\"item\" aria-expanded=\"false\" class=\"adl-accordion__header\">\n            <i class=\"adl-accordion__toggle adl-icon-chevron-down\"><\/i>\n            <div class=\"adl-accordion__title-wrapper\" data-accordion=\"#3-account-details-stmt-acct\">\n                                    <h4 class=\"adl-accordion__title\">3. Account details (Stmt\/Acct)<\/h4>\n                            <\/div>\n        <\/div>\n        <div role=\"region\" class=\"adl-accordion__content\">\n            \n<p>Identifies the account the statement applies to. The <code>&lt;Acct&gt;<\/code> element contains details about the business account for which the statement was generated.<\/p>\n<table>\n<thead>\n<tr>\n<th>Tag<\/th>\n<th>Element name<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><code>&lt;Acct&gt;<\/code><\/td>\n<td>Account<\/td>\n<td>Container for account details.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;Id&gt;<\/code><\/td>\n<td>Identification<\/td>\n<td>Unique identifier for the account.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;IBAN&gt;<\/code><\/td>\n<td>IBAN<\/td>\n<td>Adyen-issued IBAN, used if the account is a SEPA bank account.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;Othr&gt;<\/code><\/td>\n<td>Other<\/td>\n<td>Container for non-IBAN identifiers.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;Othr&gt;&lt;Id&gt;<\/code><\/td>\n<td>Identification<\/td>\n<td>Account number for US or UK bank accounts, or the Adyen business account ID for generic accounts.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;Ccy&gt;<\/code><\/td>\n<td>Currency<\/td>\n<td>The three-letter ISO currency code of the account.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"accordion-shortcode adl-accordion adl-accordion--max-height-transition\" data-expand=\"true\" data-ignore=\"anchorjs-link\">\n    \n    <div class=\"adl-accordion__item\" style=\"\">\n        <div tabindex=\"0\" role=\"item\" aria-expanded=\"false\" class=\"adl-accordion__header\">\n            <i class=\"adl-accordion__toggle adl-icon-chevron-down\"><\/i>\n            <div class=\"adl-accordion__title-wrapper\" data-accordion=\"#4-balances-bal\">\n                                    <h4 class=\"adl-accordion__title\">4. Balances (Bal)<\/h4>\n                            <\/div>\n        <\/div>\n        <div role=\"region\" class=\"adl-accordion__content\">\n            \n<p>Reports balances at specific points in time. Multiple <code>&lt;Bal&gt;<\/code> elements can appear within an account statement. Depending on the configuration, either booked balances (<code>OPBD<\/code>, <code>CLBD<\/code>) or value balances (<code>OPAV<\/code>, <code>CLAV<\/code>) are reported.<\/p>\n<p>The statement reports balances as either booked or available:<\/p>\n<ul>\n<li><strong>Booked<\/strong> balances show transactions that have been fully processed and recorded on the account.<\/li>\n<li><strong>Available<\/strong> balances show the funds you can use, after taking into account pending debits or credits.<\/li>\n<\/ul>\n<table>\n<thead>\n<tr>\n<th>Tag<\/th>\n<th>Element name<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><code>&lt;Bal&gt;<\/code><\/td>\n<td>Balance<\/td>\n<td>Container for opening and closing balance data.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;Tp&gt;<\/code><\/td>\n<td>Type<\/td>\n<td>Container for the balance type.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;CdOrPrtry&gt;<\/code><\/td>\n<td>Code Or Proprietary<\/td>\n<td>Indicates whether a standard ISO code or a proprietary code is used.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;Cd&gt;<\/code><\/td>\n<td>Code<\/td>\n<td>Balance type code. Common values include:<ul><li markdown=\"1\"><code>OPBD<\/code> \u2013 Opening booked balance<\/li><li markdown=\"1\"><code>OPAV<\/code> \u2013 Opening available balance<\/li><li markdown=\"1\"><code>CLBD<\/code> \u2013 Closing booked balance<\/li><li markdown=\"1\"><code>CLAV<\/code> \u2013 Closing available balance<\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td><code>&lt;Amt&gt;<\/code><\/td>\n<td>Amount<\/td>\n<td>The balance amount, including the currency as an attribute, for example, <code>Ccy=\"EUR\"<\/code>.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;CdtDbtInd&gt;<\/code><\/td>\n<td>Credit Debit Indicator<\/td>\n<td>Indicates whether the balance is credit (<code>CRDT<\/code>) or debit (<code>DBIT<\/code>).<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;Dt&gt;<\/code><\/td>\n<td>Date<\/td>\n<td>Container for the balance timestamp.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;DtTm&gt;<\/code><\/td>\n<td>Date Time<\/td>\n<td>The date and time the balance was recorded.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;Avlbty&gt;<\/code><\/td>\n<td>Availability<\/td>\n<td>Information about the availability of the balance.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"accordion-shortcode adl-accordion adl-accordion--max-height-transition\" data-expand=\"true\" data-ignore=\"anchorjs-link\">\n    \n    <div class=\"adl-accordion__item\" style=\"\">\n        <div tabindex=\"0\" role=\"item\" aria-expanded=\"false\" class=\"adl-accordion__header\">\n            <i class=\"adl-accordion__toggle adl-icon-chevron-down\"><\/i>\n            <div class=\"adl-accordion__title-wrapper\" data-accordion=\"#5-entries-stmt-ntry\">\n                                    <h4 class=\"adl-accordion__title\">5. Entries (Stmt\/Ntry)<\/h4>\n                            <\/div>\n        <\/div>\n        <div role=\"region\" class=\"adl-accordion__content\">\n            \n<p>Each <code>&lt;Ntry&gt;<\/code> represents a booked debit or credit that affects the account balance. Multiple entries can appear in a statement.<\/p>\n<table>\n<thead>\n<tr>\n<th>Tag<\/th>\n<th>Element name<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><code>&lt;Ntry&gt;<\/code><\/td>\n<td>Entry<\/td>\n<td>Container for a single transaction booked on the account.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;NtryRef&gt;<\/code><\/td>\n<td>Entry Reference<\/td>\n<td>Adyen-generated unique identifier for the transaction.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;Amt&gt;<\/code><\/td>\n<td>Amount<\/td>\n<td>The transaction amount, including the currency as an attribute (for example, <code>Ccy=\"EUR\"<\/code>).<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;CdtDbtInd&gt;<\/code><\/td>\n<td>Credit Debit Indicator<\/td>\n<td>Indicates whether the entry is credit (<code>CRDT<\/code>) or debit (<code>DBIT<\/code>).<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;Sts&gt;<\/code><\/td>\n<td>Status<\/td>\n<td>The status of the entry, typically <code>BOOK<\/code> (Booked).<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;BookgDt&gt;<\/code><\/td>\n<td>Booking Date<\/td>\n<td>Container for the date the transaction was booked.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;DtTm&gt;<\/code> (under <code>&lt;BookgDt&gt;<\/code>)<\/td>\n<td>Date Time<\/td>\n<td>The date and time the transaction was booked.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;ValDt&gt;<\/code><\/td>\n<td>Value Date<\/td>\n<td>Container for the date the funds become available or are debited.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;DtTm&gt;<\/code> (under <code>&lt;ValDt&gt;<\/code>)<\/td>\n<td>Date Time<\/td>\n<td>The date and time of the value date.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;AcctSvcrRef&gt;<\/code><\/td>\n<td>Account Servicer Reference<\/td>\n<td>Adyen-generated identifier for the transaction.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;BkTxCd&gt;<\/code><\/td>\n<td>Bank Transaction Code<\/td>\n<td>Structured classification (domain, family, sub-family) for the transaction.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;Domn&gt;<\/code><\/td>\n<td>Domain<\/td>\n<td>The broad business area, such as <code>PMNT<\/code> (Payments).<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;Fmly&gt;<\/code><\/td>\n<td>Family<\/td>\n<td>Defines the transaction type within a domain, such as <code>ICDT<\/code> (Issued Credit Transfer).<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;SubFmlyCd&gt;<\/code><\/td>\n<td>Sub Family Code<\/td>\n<td>Granular classification, such as <code>BOOK<\/code> (Internal book transfer).<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;NtryDtls&gt;<\/code><\/td>\n<td>Entry Details<\/td>\n<td>Container for detailed transaction information.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"accordion-shortcode adl-accordion adl-accordion--max-height-transition\" data-expand=\"true\" data-ignore=\"anchorjs-link\">\n    \n    <div class=\"adl-accordion__item\" style=\"\">\n        <div tabindex=\"0\" role=\"item\" aria-expanded=\"false\" class=\"adl-accordion__header\">\n            <i class=\"adl-accordion__toggle adl-icon-chevron-down\"><\/i>\n            <div class=\"adl-accordion__title-wrapper\" data-accordion=\"#6-transaction-details-stmt-ntry-ntry-dtls-tx-dtls\">\n                                    <h4 class=\"adl-accordion__title\">6. Transaction details (Stmt\/Ntry\/NtryDtls\/TxDtls)<\/h4>\n                            <\/div>\n        <\/div>\n        <div role=\"region\" class=\"adl-accordion__content\">\n            \n<p>The <code>&lt;TxDtls&gt;<\/code> element contains information about a transfer associated with the transaction, including:<\/p>\n<ul>\n<li>Your transfer reference.<\/li>\n<li>The Adyen-generated transfer ID.<\/li>\n<\/ul>\n<p>These identifiers help you reconcile activity on the business account.<\/p>\n<table>\n<thead>\n<tr>\n<th>Tag<\/th>\n<th>Element name<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><code>&lt;TxDtls&gt;<\/code><\/td>\n<td>Transaction Details<\/td>\n<td>Container for detailed information about the transfer related to the transaction.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;Refs&gt;<\/code><\/td>\n<td>References<\/td>\n<td>Container for identifiers associated with the transfer.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;AcctSvcrRef&gt;<\/code><\/td>\n<td>Account Servicer Reference<\/td>\n<td>Adyen-generated identifier for the transfer (corresponds to the <code>id<\/code> field in the API).<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;InstrId&gt;<\/code><\/td>\n<td>Instruction Identification<\/td>\n<td>Your reference for the transfer.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;EndToEndId&gt;<\/code><\/td>\n<td>End To End Identification<\/td>\n<td>Reference intended for the beneficiary.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;TxId&gt;<\/code><\/td>\n<td>Transaction Identification<\/td>\n<td>Adyen-generated internal reference used for tracing and debugging.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;RmtInf&gt;<\/code><\/td>\n<td>Remittance Information<\/td>\n<td>Container for remittance-related data.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;Ustrd&gt;<\/code><\/td>\n<td>Unstructured<\/td>\n<td>Description, memo, or remittance information for the transfer.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"accordion-shortcode adl-accordion adl-accordion--max-height-transition\" data-expand=\"true\" data-ignore=\"anchorjs-link\">\n    \n    <div class=\"adl-accordion__item\" style=\"\">\n        <div tabindex=\"0\" role=\"item\" aria-expanded=\"false\" class=\"adl-accordion__header\">\n            <i class=\"adl-accordion__toggle adl-icon-chevron-down\"><\/i>\n            <div class=\"adl-accordion__title-wrapper\" data-accordion=\"#7-transaction-summary-stmt-txs-summry\">\n                                    <h4 class=\"adl-accordion__title\">7. Transaction summary (Stmt\/TxsSummry)<\/h4>\n                            <\/div>\n        <\/div>\n        <div role=\"region\" class=\"adl-accordion__content\">\n            \n<p>Provides aggregated totals for the reporting period. The <code>&lt;TtlNtries&gt;<\/code> element summarizes entries by <a href=\"#iso-20022-component-reference\">Bank Transaction Code (ISO 20022)<\/a>, showing:<\/p>\n<ul>\n<li>The number of entries.<\/li>\n<li>The total amount (<code>&lt;Sum&gt;<\/code>) per code.<\/li>\n<\/ul>\n<p>Each Bank Transaction Code can also be mapped to a corresponding <a href=\"#bai-codes-optional\">BAI2 code<\/a>.<\/p>\n<table>\n<thead>\n<tr>\n<th>Tag<\/th>\n<th>Element name<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><code>&lt;TxsSummry&gt;<\/code><\/td>\n<td>Transaction summary<\/td>\n<td>Container for transaction totals.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;TtlNtries&gt;<\/code><\/td>\n<td>Total entries<\/td>\n<td>Total number and amount of entries.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;TtlCdtNtries&gt;<\/code><\/td>\n<td>Total credit entries<\/td>\n<td>Total number and amount of credit entries.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;TtlDbtNtries&gt;<\/code><\/td>\n<td>Total debit entries<\/td>\n<td>Total number and amount of debit entries.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;TtlNtriesPerBkTxCd&gt;<\/code><\/td>\n<td>Total entries per bank transaction code<\/td>\n<td>Totals grouped by bank transaction code.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;NbOfNtries&gt;<\/code><\/td>\n<td>Number of entries<\/td>\n<td>Number of entries.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;Sum&gt;<\/code><\/td>\n<td>Sum<\/td>\n<td>Total gross amount.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;TtlNetNtryAmt&gt;<\/code><\/td>\n<td>Net total entry amount<\/td>\n<td>Net total amount.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;CdtDbtInd&gt;<\/code><\/td>\n<td>Credit\/debit indicator<\/td>\n<td>Indicates whether totals represent credits or debits.<\/td>\n<\/tr>\n<tr>\n<td><code>&lt;BkTxCd&gt;<\/code><\/td>\n<td>Bank transaction code<\/td>\n<td>Structured transaction classification (domain, family, and sub-family) defined by <a href=\"#iso-20022-component-reference\">ISO 20022<\/a>.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<h3>Example account statement<\/h3>\n<p>The following example shows a CAMT.053 account statement file. It includes the group header, account details, an opening booked balance (<code>OPBD<\/code>), and an entry with its corresponding transaction details.<\/p>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Example account statement'\" :id=\"''\" :code-data='[{\"language\":\"xml\",\"tabTitle\":\"\",\"content\":\"&lt;BkToCstmrStmt&gt;\\n    &lt;GrpHdr&gt;\\n        &lt;MsgId&gt;CAMT05300000000000000000001&lt;\\\/MsgId&gt;\\n        &lt;CreDtTm&gt;2026-03-02T08:15:00+01:00&lt;\\\/CreDtTm&gt;\\n    &lt;\\\/GrpHdr&gt;\\n    &lt;Stmt&gt;\\n        &lt;Id&gt;0-EUR&lt;\\\/Id&gt;\\n        &lt;Acct&gt;\\n            &lt;Id&gt;\\n                &lt;IBAN&gt;NL02ABNA0123456789&lt;\\\/IBAN&gt;\\n            &lt;\\\/Id&gt;\\n            &lt;Ccy&gt;EUR&lt;\\\/Ccy&gt;\\n            &lt;Svcr&gt;\\n                &lt;FinInstnId&gt;\\n                    &lt;BIC&gt;ADYXNL2AXXX&lt;\\\/BIC&gt;\\n                &lt;\\\/FinInstnId&gt;\\n            &lt;\\\/Svcr&gt;\\n        &lt;\\\/Acct&gt;\\n        &lt;Bal&gt;\\n            &lt;Tp&gt;\\n                &lt;CdOrPrtry&gt;\\n                    &lt;Cd&gt;OPBD&lt;\\\/Cd&gt;\\n                &lt;\\\/CdOrPrtry&gt;\\n            &lt;\\\/Tp&gt;\\n            &lt;Amt Ccy=\\\"EUR\\\"&gt;00.10&lt;\\\/Amt&gt;\\n            &lt;CdtDbtInd&gt;CRDT&lt;\\\/CdtDbtInd&gt;\\n            &lt;Dt&gt;\\n                &lt;DtTm&gt;2026-03-01T00:00:00+01:00&lt;\\\/DtTm&gt;\\n            &lt;\\\/Dt&gt;\\n        &lt;\\\/Bal&gt;\\n        &lt;Ntry&gt;\\n            &lt;NtryRef&gt;EVJN422XC22422295HQCGFZ2QX3X3QEUR&lt;\\\/NtryRef&gt;\\n            &lt;Amt Ccy=\\\"EUR\\\"&gt;1.00&lt;\\\/Amt&gt;\\n            &lt;Sts&gt;BOOK&lt;\\\/Sts&gt;\\n            &lt;BookgDt&gt;\\n                &lt;DtTm&gt;2026-03-01T10:23:09+01:00&lt;\\\/DtTm&gt;\\n            &lt;\\\/BookgDt&gt;\\n            &lt;NtryDtls&gt;\\n                &lt;TxDtls&gt;\\n                    &lt;Refs&gt;\\n                        &lt;InstrId&gt;Fund - AdyenCA-CAD-XXXXX - Fmyc&lt;\\\/InstrId&gt;\\n                        &lt;AcctSvcrRef&gt;4IZQR05YMKIOIQP0&lt;\\\/AcctSvcrRef&gt;\\n                    &lt;\\\/Refs&gt;\\n                &lt;\\\/TxDtls&gt;\\n            &lt;\\\/NtryDtls&gt;\\n        &lt;\\\/Ntry&gt;\\n    &lt;\\\/Stmt&gt;\\n&lt;\\\/BkToCstmrStmt&gt;\"}]' :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<h3>ISO 20022 component reference<\/h3>\n<p>In a CAMT.053 account statement, each transaction entry includes a Bank Transaction Code (<code>&lt;BkTxCd&gt;<\/code>) element. This element classifies the transaction using the ISO 20022 Bank Transaction Code structure. This structure helps you identify the type and direction of the transaction.<\/p>\n<p>ISO 20022 uses a three-tier classification system to define Bank Transaction Codes. This hierarchy moves from broad business areas to granular transaction details:<\/p>\n<ol>\n<li><strong>Domain<\/strong>: The broad functional area. On Adyen's balance platform, this is always <span translate=\"no\"><strong>PMNT<\/strong><\/span> (Payments).<\/li>\n<li><strong>Family<\/strong>: The category of transaction, for example, <span translate=\"no\"><strong>RCDT<\/strong><\/span> for Received Credit\/Inbound.<\/li>\n<li><strong>SubFamily<\/strong>: The specific outcome or method, for example, <span translate=\"no\"><strong>ACDT<\/strong><\/span> for Account Deposit.<\/li>\n<\/ol>\n<p>The following table explains the codes:<\/p>\n<table>\n<thead>\n<tr>\n<th>Category<\/th>\n<th>Code<\/th>\n<th>Transfer name<\/th>\n<th>Direction<\/th>\n<th>Transfer outcome<\/th>\n<th>Used for<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Domain<\/strong><\/td>\n<td><span translate=\"no\"><strong>PMNT<\/strong><\/span><\/td>\n<td>Payment<\/td>\n<td>N\/A<\/td>\n<td>N\/A<\/td>\n<td>All payment-related transaction types<\/td>\n<\/tr>\n<tr>\n<td><strong>Family<\/strong><\/td>\n<td><span translate=\"no\"><strong>RRCT<\/strong><\/span><\/td>\n<td>Received Real-Time<\/td>\n<td>Inbound<\/td>\n<td>N\/A<\/td>\n<td>Instant or real-time inbound transfers<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><span translate=\"no\"><strong>RCDT<\/strong><\/span><\/td>\n<td>Received Credit<\/td>\n<td>Inbound<\/td>\n<td>N\/A<\/td>\n<td>Inbound ACH, wire, same-day, cross-border, and internal transfers<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><span translate=\"no\"><strong>IRCT<\/strong><\/span><\/td>\n<td>Initiated Real-Time<\/td>\n<td>Outbound<\/td>\n<td>N\/A<\/td>\n<td>Instant or real-time outbound transfers<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><span translate=\"no\"><strong>ICDT<\/strong><\/span><\/td>\n<td>Initiated Credit<\/td>\n<td>Outbound<\/td>\n<td>N\/A<\/td>\n<td>Outbound ACH, wire, same-day, cross-border, and internal transfers<\/td>\n<\/tr>\n<tr>\n<td><strong>Sub-family<\/strong><\/td>\n<td><span translate=\"no\"><strong>ACDT<\/strong><\/span><\/td>\n<td>Account Deposit<\/td>\n<td>N\/A<\/td>\n<td>Success<\/td>\n<td>Standard deposits, such as instant or ACH<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><span translate=\"no\"><strong>SDVA<\/strong><\/span><\/td>\n<td>Same-Day Value<\/td>\n<td>N\/A<\/td>\n<td>Success<\/td>\n<td>Fast or same-day transfers<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><span translate=\"no\"><strong>PRCT<\/strong><\/span><\/td>\n<td>Priority Credit<\/td>\n<td>N\/A<\/td>\n<td>Success<\/td>\n<td>Urgent or wire transfers<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><span translate=\"no\"><strong>XBCT<\/strong><\/span><\/td>\n<td>Cross-border Credit<\/td>\n<td>N\/A<\/td>\n<td>Success<\/td>\n<td>Transfers via correspondent banks<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><span translate=\"no\"><strong>BOOK<\/strong><\/span><\/td>\n<td>Booked Transfer<\/td>\n<td>N\/A<\/td>\n<td>Success<\/td>\n<td>Internal (book) transfers<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><span translate=\"no\"><strong>OTHR<\/strong><\/span><\/td>\n<td>Other<\/td>\n<td>N\/A<\/td>\n<td>Success<\/td>\n<td>General or uncategorised transfers<\/td>\n<\/tr>\n<tr>\n<td><strong>Any<\/strong><\/td>\n<td><span translate=\"no\"><strong>RRTN<\/strong><\/span><\/td>\n<td>Return<\/td>\n<td>N\/A<\/td>\n<td>Reversal<\/td>\n<td>Returns, reversals, or rejections<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Example ISO 20022 Bank Transaction Code'\" :id=\"''\" :code-data='[{\"language\":\"xml\",\"tabTitle\":\"\",\"content\":\"&lt;BkTxCd&gt;\\n    &lt;Domn&gt;\\n        &lt;Cd&gt;PMNT&lt;\\\/Cd&gt;\\n        &lt;Fmly&gt;\\n            &lt;Cd&gt;RCDT&lt;\\\/Cd&gt;\\n            &lt;SubFmlyCd&gt;PRCT&lt;\\\/SubFmlyCd&gt;\\n        &lt;\\\/Fmly&gt;\\n    &lt;\\\/Domn&gt;\\n&lt;\\\/BkTxCd&gt;\"}]' :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<h3>BAI codes (optional)<\/h3>\n<p>BAI codes are a set of classification codes defined by the Bank Administration Institute. They are widely used in the BAI2 file format and are common across banking systems for categorizing transactions. When enabled, BAI codes are included in the CAMT.053 statement to provide additional transaction classification alongside ISO 20022 codes. This mapping focuses on the series used for active payment and transfer methods:<\/p>\n<ul>\n<li><strong>100 to 200 series<\/strong>: Successful inbound deposits and credit returns.<\/li>\n<li><strong>400 to 500 series<\/strong>: Successful outbound disbursements and debit reversals.<\/li>\n<\/ul>\n<h4>Credits (inbound)<\/h4>\n<p>Transactions where funds are deposited into the business account.<\/p>\n<div class=\"notices green\">\n<p>All returned credit transactions use the same ISO 20022 return code (<code>RRTN<\/code>) per transfer family.<\/p>\n<\/div>\n<table>\n<thead>\n<tr>\n<th>Transfer type<\/th>\n<th>ISO 20022 (Booked)<\/th>\n<th>ISO 20022 (Returned)<\/th>\n<th>BAI2 (Booked)<\/th>\n<th>BAI2 (Returned)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Instant or real-time<\/strong><\/td>\n<td><span translate=\"no\"><strong>PMNT\/RRCT\/ACDT<\/strong><\/span><\/td>\n<td><span translate=\"no\"><strong>PMNT\/RRCT\/RRTN<\/strong><\/span><\/td>\n<td><strong>158<\/strong><\/td>\n<td><strong>496<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>ACH<\/strong><\/td>\n<td><span translate=\"no\"><strong>PMNT\/RCDT\/ACDT<\/strong><\/span><\/td>\n<td><span translate=\"no\"><strong>PMNT\/RCDT\/RRTN<\/strong><\/span><\/td>\n<td><strong>165<\/strong><\/td>\n<td><strong>557<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Fast or same-day<\/strong><\/td>\n<td><span translate=\"no\"><strong>PMNT\/RCDT\/SDVA<\/strong><\/span><\/td>\n<td><span translate=\"no\"><strong>PMNT\/RCDT\/RRTN<\/strong><\/span><\/td>\n<td><strong>165<\/strong><\/td>\n<td><strong>557<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Urgent or wire<\/strong><\/td>\n<td><span translate=\"no\"><strong>PMNT\/RCDT\/PRCT<\/strong><\/span><\/td>\n<td><span translate=\"no\"><strong>PMNT\/RCDT\/RRTN<\/strong><\/span><\/td>\n<td><strong>195<\/strong><\/td>\n<td><strong>496<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Cross-border<\/strong><\/td>\n<td><span translate=\"no\"><strong>PMNT\/RCDT\/XBCT<\/strong><\/span><\/td>\n<td><span translate=\"no\"><strong>PMNT\/RCDT\/RRTN<\/strong><\/span><\/td>\n<td><strong>208<\/strong><\/td>\n<td><strong>496<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Internal or book<\/strong><\/td>\n<td><span translate=\"no\"><strong>PMNT\/RCDT\/BOOK<\/strong><\/span><\/td>\n<td><span translate=\"no\"><strong>PMNT\/RCDT\/RRTN<\/strong><\/span><\/td>\n<td><strong>206<\/strong><\/td>\n<td><strong>496<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Other<\/strong><\/td>\n<td><span translate=\"no\"><strong>PMNT\/RCDT\/OTHR<\/strong><\/span><\/td>\n<td><span translate=\"no\"><strong>PMNT\/RCDT\/RRTN<\/strong><\/span><\/td>\n<td><strong>195<\/strong><\/td>\n<td><strong>496<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h4>Debits (outbound)<\/h4>\n<p>Transactions where funds are sent or withdrawn from the business account.<\/p>\n<div class=\"notices green\">\n<p>All returned debit transactions use the same ISO 20022 return code (<code>RRTN<\/code>) per transfer family.<\/p>\n<\/div>\n<table>\n<thead>\n<tr>\n<th>Transfer type<\/th>\n<th>ISO 20022 (Booked)<\/th>\n<th>ISO 20022 (Returned)<\/th>\n<th>BAI2 (Booked)<\/th>\n<th>BAI2 (Returned)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Instant or real-time<\/strong><\/td>\n<td><span translate=\"no\"><strong>PMNT\/IRCT\/ACDT<\/strong><\/span><\/td>\n<td><span translate=\"no\"><strong>PMNT\/IRCT\/RRTN<\/strong><\/span><\/td>\n<td><strong>458<\/strong><\/td>\n<td><strong>196<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Regular or ACH<\/strong><\/td>\n<td><span translate=\"no\"><strong>PMNT\/ICDT\/ACDT<\/strong><\/span><\/td>\n<td><span translate=\"no\"><strong>PMNT\/ICDT\/RRTN<\/strong><\/span><\/td>\n<td><strong>466<\/strong><\/td>\n<td><strong>168<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Fast or same-day<\/strong><\/td>\n<td><span translate=\"no\"><strong>PMNT\/ICDT\/SDVA<\/strong><\/span><\/td>\n<td><span translate=\"no\"><strong>PMNT\/ICDT\/RRTN<\/strong><\/span><\/td>\n<td><strong>466<\/strong><\/td>\n<td><strong>168<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Urgent or wire<\/strong><\/td>\n<td><span translate=\"no\"><strong>PMNT\/ICDT\/PRCT<\/strong><\/span><\/td>\n<td><span translate=\"no\"><strong>PMNT\/ICDT\/RRTN<\/strong><\/span><\/td>\n<td><strong>495<\/strong><\/td>\n<td><strong>196<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Cross-border<\/strong><\/td>\n<td><span translate=\"no\"><strong>PMNT\/ICDT\/XBCT<\/strong><\/span><\/td>\n<td><span translate=\"no\"><strong>PMNT\/ICDT\/RRTN<\/strong><\/span><\/td>\n<td><strong>508<\/strong><\/td>\n<td><strong>196<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Internal or book<\/strong><\/td>\n<td><span translate=\"no\"><strong>PMNT\/ICDT\/BOOK<\/strong><\/span><\/td>\n<td><span translate=\"no\"><strong>PMNT\/ICDT\/RRTN<\/strong><\/span><\/td>\n<td><strong>506<\/strong><\/td>\n<td><strong>196<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>General or other<\/strong><\/td>\n<td><span translate=\"no\"><strong>PMNT\/ICDT\/OTHR<\/strong><\/span><\/td>\n<td><span translate=\"no\"><strong>PMNT\/ICDT\/RRTN<\/strong><\/span><\/td>\n<td><strong>495<\/strong><\/td>\n<td><strong>266<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>See also<\/h2>\n<div class=\"see-also-links output-inline\" id=\"see-also\">\n<ul><li><a href=\"\/platforms\/reports-and-fees\/\"\n                        target=\"_self\"\n                        >\n                    Reports and fee types\n                <\/a><\/li><li><a href=\"\/platforms\/compliance-financial-products\/account-statements\/\"\n                        target=\"_self\"\n                        >\n                    Compliance requirements for account statements\n                <\/a><\/li><\/ul><\/div>\n","url":"https:\/\/docs.adyen.com\/pt\/business-accounts\/business-account-statement","articleFields":{"description":"Automate reconciliation and provide your users with transaction reports.","robots":"noindex,nofollow","feedback_component":true,"id":"","type":"page","_expandable":{"operations":""},"status":"current","section_label":"Reports"},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/business-accounts\/business-account-statement","title":"Account statements","content":"Adyen provides account statements in the industry-standard CAMT.053 format, which is part of the ISO 20022 financial messaging standard. CAMT.053 uses structured codes to classify the type and status of each transaction. This ensures consistency and interoperability across financial institutions.\nAccount statements summarize the financial activity in a business account for a specific period, such as a day or a month. You can use these auditable statements to reconcile balances and provide detailed transaction reports to your users.\nRequirements\nBefore you begin, take into account the following requirements and preparations.\n\n\n\nRequirement\nDescription\n\n\n\n\nIntegration type\nYou must have an Adyen business accounts integration.\n\n\nAPI credentials\nGenerate an API key for Report user for the balance platform. Your API credential must have the following role:  Bank_Download ReportsRole\n\n\nWebhooks\nYour server must be able to receive and accept webhooks. You must subscribe to the  balancePlatform.report.created webhook.\n\n\nSetup steps\nReach out to your Adyen contact to:Enable the feature on your balance platform.Configure your account statement settings.\n\n\n\nAccount statement settings\nWhen you contact Adyen to enable the feature, you can customize the following statement configurations:\n\n\n\nFeature\nRequired\nDescription\nOptions\n\n\n\n\nTimeframe\n\nSets the reporting frequency.\nDaily, monthly, or both\n\n\nBAI codes\n\nEnables Bank Administration Institute codes for standardized transaction classification.\nEnabled or disabled\n\n\nSummary\n\nIncludes a transaction summary block for an overview of totals.\nIncluded or excluded\n\n\nDate format\n\nDefines which date is used for transactions in the statement.\nValue date or booking date\n\n\n\nDownload an account statement\nAdyen automatically generates account statements. When a statement is ready:\n\nAdyen sends a  balancePlatform.report.created webhook message to your configured endpoint in the Customer Area. The webhook includes the balanceAccount, fileName, and downloadUrl fields.\n\n\n    \n\n\nUse the download URL to retrieve the statement file with a GET request.\n\n\n    \n\n\nAccount statement elements\nAdyen provides account statements in ISO 20022 CAMT.053 format. Each CAMT.053 statement follows a fixed XML hierarchy. This section explains the key blocks and their corresponding XML tags. The CAMT.053 statement has the following high-level structure:\n\nBkToCstmrStmt\n    \u251c\u2500 GrpHdr\n    \u2514\u2500 Stmt\n        \u251c\u2500 Acct\n        \u251c\u2500 Bal\n        \u2514\u2500 Ntry\n            \u2514\u2500 NtryDtls\n                \u2514\u2500 TxDtlsBankToCustomerStatement\n    \u251c\u2500 GroupHeader\n    \u2514\u2500 Statement\n        \u251c\u2500 Account\n        \u251c\u2500 Balance\n        \u2514\u2500 Entry\n            \u2514\u2500 EntryDetails\n                \u2514\u2500 TransactionDetails\nEach block is described below.\n\n    \n    \n        \n            \n            \n                                    1. Group header block (GrpHdr)\n                            \n        \n        \n            \nMetadata for the entire statement message. Includes general information about the statement and its intended recipient.\n\n\n\nTag\nElement name\nDescription\n\n\n\n\n&lt;GrpHdr&gt;\nGroup Header\nContainer for metadata regarding the statement message and recipient.\n\n\n&lt;MsgId&gt;\nMessage Identification\nAdyen-generated unique ID of the statement message.\n\n\n&lt;CreDtTm&gt;\nCreation Date Time\nThe date and time the statement was generated.\n\n\n&lt;MsgRcpt&gt;\nMessage Recipient\nContains information regarding the legal entity of the balance platform owner.\n\n\n&lt;Nm&gt;\nName\nThe name of the legal entity receiving the statement.\n\n\n&lt;PstlAdr&gt;\nPostal Address\nThe mailing address of the message recipient.\n\n\n&lt;PstCd&gt;\nPost Code\nThe postal code of the recipient.\n\n\n&lt;TwnNm&gt;\nTown Name\nThe city or town of the recipient.\n\n\n&lt;CtrySubDvsn&gt;\nCountry Sub Division\nThe state, province, or region of the recipient.\n\n\n&lt;Ctry&gt;\nCountry\nThe ISO country code of the recipient.\n\n\n&lt;AdrLine&gt;\nAddress Line\nUp to 7 lines of additional address information.\n\n\n&lt;MsgPgntn&gt;\nMessage Pagination\nUsed if the statement is split across multiple files.\n\n\n&lt;PgNb&gt;\nPage Number\nThe current page number of the message.\n\n\n&lt;LastPgInd&gt;\nLast Page Indicator\nIndicates whether this is the final page of the statement.\n\n\n&lt;AddtlInf&gt;\nAdditional Information\nGeneral additional information regarding the message.\n\n\n\n\n        \n    \n\n\n\n    \n    \n        \n            \n            \n                                    2. Statement block (Stmt)\n                            \n        \n        \n            \nEach  represents one account and one currency. A file can contain multiple statements.\n\n\n\nTag\nElement name\nDescription\n\n\n\n\n&lt;Stmt&gt;\nStatement\nMain container for a specific account statement\n\n\n&lt;Id&gt;\nIdentification\nUnique identifier for the statement\n\n\n&lt;CreDtTm&gt;\nCreation Date Time\nThe date and time this statement block was created\n\n\n&lt;FrToDt&gt;\nFrom To Date\nContainer for the reporting period of the statement\n\n\n&lt;FrDtTm&gt;\nFrom Date Time\nThe start date and time of the reporting period\n\n\n&lt;ToDtTm&gt;\nTo Date Time\nThe end date and time of the reporting period\n\n\n&lt;CpyDplctInd&gt;\nCopy Duplicate Indicator\nIndicates whether the statement is a copy or duplicate\n\n\n&lt;RptgSrc&gt;\nReporting Source\nIdentifies the reporting source\n\n\n&lt;AddtlStmtInf&gt;\nAdditional Statement Information\nAdditional details about the statement\n\n\n\n\n        \n    \n\n\n\n    \n    \n        \n            \n            \n                                    3. Account details (Stmt\/Acct)\n                            \n        \n        \n            \nIdentifies the account the statement applies to. The &lt;Acct&gt; element contains details about the business account for which the statement was generated.\n\n\n\nTag\nElement name\nDescription\n\n\n\n\n&lt;Acct&gt;\nAccount\nContainer for account details.\n\n\n&lt;Id&gt;\nIdentification\nUnique identifier for the account.\n\n\n&lt;IBAN&gt;\nIBAN\nAdyen-issued IBAN, used if the account is a SEPA bank account.\n\n\n&lt;Othr&gt;\nOther\nContainer for non-IBAN identifiers.\n\n\n&lt;Othr&gt;&lt;Id&gt;\nIdentification\nAccount number for US or UK bank accounts, or the Adyen business account ID for generic accounts.\n\n\n&lt;Ccy&gt;\nCurrency\nThe three-letter ISO currency code of the account.\n\n\n\n\n        \n    \n\n\n\n    \n    \n        \n            \n            \n                                    4. Balances (Bal)\n                            \n        \n        \n            \nReports balances at specific points in time. Multiple &lt;Bal&gt; elements can appear within an account statement. Depending on the configuration, either booked balances (OPBD, CLBD) or value balances (OPAV, CLAV) are reported.\nThe statement reports balances as either booked or available:\n\nBooked balances show transactions that have been fully processed and recorded on the account.\nAvailable balances show the funds you can use, after taking into account pending debits or credits.\n\n\n\n\nTag\nElement name\nDescription\n\n\n\n\n&lt;Bal&gt;\nBalance\nContainer for opening and closing balance data.\n\n\n&lt;Tp&gt;\nType\nContainer for the balance type.\n\n\n&lt;CdOrPrtry&gt;\nCode Or Proprietary\nIndicates whether a standard ISO code or a proprietary code is used.\n\n\n&lt;Cd&gt;\nCode\nBalance type code. Common values include:OPBD \u2013 Opening booked balanceOPAV \u2013 Opening available balanceCLBD \u2013 Closing booked balanceCLAV \u2013 Closing available balance\n\n\n&lt;Amt&gt;\nAmount\nThe balance amount, including the currency as an attribute, for example, Ccy=\"EUR\".\n\n\n&lt;CdtDbtInd&gt;\nCredit Debit Indicator\nIndicates whether the balance is credit (CRDT) or debit (DBIT).\n\n\n&lt;Dt&gt;\nDate\nContainer for the balance timestamp.\n\n\n&lt;DtTm&gt;\nDate Time\nThe date and time the balance was recorded.\n\n\n&lt;Avlbty&gt;\nAvailability\nInformation about the availability of the balance.\n\n\n\n\n        \n    \n\n\n\n    \n    \n        \n            \n            \n                                    5. Entries (Stmt\/Ntry)\n                            \n        \n        \n            \nEach &lt;Ntry&gt; represents a booked debit or credit that affects the account balance. Multiple entries can appear in a statement.\n\n\n\nTag\nElement name\nDescription\n\n\n\n\n&lt;Ntry&gt;\nEntry\nContainer for a single transaction booked on the account.\n\n\n&lt;NtryRef&gt;\nEntry Reference\nAdyen-generated unique identifier for the transaction.\n\n\n&lt;Amt&gt;\nAmount\nThe transaction amount, including the currency as an attribute (for example, Ccy=\"EUR\").\n\n\n&lt;CdtDbtInd&gt;\nCredit Debit Indicator\nIndicates whether the entry is credit (CRDT) or debit (DBIT).\n\n\n&lt;Sts&gt;\nStatus\nThe status of the entry, typically BOOK (Booked).\n\n\n&lt;BookgDt&gt;\nBooking Date\nContainer for the date the transaction was booked.\n\n\n&lt;DtTm&gt; (under &lt;BookgDt&gt;)\nDate Time\nThe date and time the transaction was booked.\n\n\n&lt;ValDt&gt;\nValue Date\nContainer for the date the funds become available or are debited.\n\n\n&lt;DtTm&gt; (under &lt;ValDt&gt;)\nDate Time\nThe date and time of the value date.\n\n\n&lt;AcctSvcrRef&gt;\nAccount Servicer Reference\nAdyen-generated identifier for the transaction.\n\n\n&lt;BkTxCd&gt;\nBank Transaction Code\nStructured classification (domain, family, sub-family) for the transaction.\n\n\n&lt;Domn&gt;\nDomain\nThe broad business area, such as PMNT (Payments).\n\n\n&lt;Fmly&gt;\nFamily\nDefines the transaction type within a domain, such as ICDT (Issued Credit Transfer).\n\n\n&lt;SubFmlyCd&gt;\nSub Family Code\nGranular classification, such as BOOK (Internal book transfer).\n\n\n&lt;NtryDtls&gt;\nEntry Details\nContainer for detailed transaction information.\n\n\n\n\n        \n    \n\n\n\n    \n    \n        \n            \n            \n                                    6. Transaction details (Stmt\/Ntry\/NtryDtls\/TxDtls)\n                            \n        \n        \n            \nThe &lt;TxDtls&gt; element contains information about a transfer associated with the transaction, including:\n\nYour transfer reference.\nThe Adyen-generated transfer ID.\n\nThese identifiers help you reconcile activity on the business account.\n\n\n\nTag\nElement name\nDescription\n\n\n\n\n&lt;TxDtls&gt;\nTransaction Details\nContainer for detailed information about the transfer related to the transaction.\n\n\n&lt;Refs&gt;\nReferences\nContainer for identifiers associated with the transfer.\n\n\n&lt;AcctSvcrRef&gt;\nAccount Servicer Reference\nAdyen-generated identifier for the transfer (corresponds to the id field in the API).\n\n\n&lt;InstrId&gt;\nInstruction Identification\nYour reference for the transfer.\n\n\n&lt;EndToEndId&gt;\nEnd To End Identification\nReference intended for the beneficiary.\n\n\n&lt;TxId&gt;\nTransaction Identification\nAdyen-generated internal reference used for tracing and debugging.\n\n\n&lt;RmtInf&gt;\nRemittance Information\nContainer for remittance-related data.\n\n\n&lt;Ustrd&gt;\nUnstructured\nDescription, memo, or remittance information for the transfer.\n\n\n\n\n        \n    \n\n\n\n    \n    \n        \n            \n            \n                                    7. Transaction summary (Stmt\/TxsSummry)\n                            \n        \n        \n            \nProvides aggregated totals for the reporting period. The &lt;TtlNtries&gt; element summarizes entries by Bank Transaction Code (ISO 20022), showing:\n\nThe number of entries.\nThe total amount (&lt;Sum&gt;) per code.\n\nEach Bank Transaction Code can also be mapped to a corresponding BAI2 code.\n\n\n\nTag\nElement name\nDescription\n\n\n\n\n&lt;TxsSummry&gt;\nTransaction summary\nContainer for transaction totals.\n\n\n&lt;TtlNtries&gt;\nTotal entries\nTotal number and amount of entries.\n\n\n&lt;TtlCdtNtries&gt;\nTotal credit entries\nTotal number and amount of credit entries.\n\n\n&lt;TtlDbtNtries&gt;\nTotal debit entries\nTotal number and amount of debit entries.\n\n\n&lt;TtlNtriesPerBkTxCd&gt;\nTotal entries per bank transaction code\nTotals grouped by bank transaction code.\n\n\n&lt;NbOfNtries&gt;\nNumber of entries\nNumber of entries.\n\n\n&lt;Sum&gt;\nSum\nTotal gross amount.\n\n\n&lt;TtlNetNtryAmt&gt;\nNet total entry amount\nNet total amount.\n\n\n&lt;CdtDbtInd&gt;\nCredit\/debit indicator\nIndicates whether totals represent credits or debits.\n\n\n&lt;BkTxCd&gt;\nBank transaction code\nStructured transaction classification (domain, family, and sub-family) defined by ISO 20022.\n\n\n\n\n        \n    \n\n\nExample account statement\nThe following example shows a CAMT.053 account statement file. It includes the group header, account details, an opening booked balance (OPBD), and an entry with its corresponding transaction details.\n\n    \n\nISO 20022 component reference\nIn a CAMT.053 account statement, each transaction entry includes a Bank Transaction Code (&lt;BkTxCd&gt;) element. This element classifies the transaction using the ISO 20022 Bank Transaction Code structure. This structure helps you identify the type and direction of the transaction.\nISO 20022 uses a three-tier classification system to define Bank Transaction Codes. This hierarchy moves from broad business areas to granular transaction details:\n\nDomain: The broad functional area. On Adyen's balance platform, this is always PMNT (Payments).\nFamily: The category of transaction, for example, RCDT for Received Credit\/Inbound.\nSubFamily: The specific outcome or method, for example, ACDT for Account Deposit.\n\nThe following table explains the codes:\n\n\n\nCategory\nCode\nTransfer name\nDirection\nTransfer outcome\nUsed for\n\n\n\n\nDomain\nPMNT\nPayment\nN\/A\nN\/A\nAll payment-related transaction types\n\n\nFamily\nRRCT\nReceived Real-Time\nInbound\nN\/A\nInstant or real-time inbound transfers\n\n\n\nRCDT\nReceived Credit\nInbound\nN\/A\nInbound ACH, wire, same-day, cross-border, and internal transfers\n\n\n\nIRCT\nInitiated Real-Time\nOutbound\nN\/A\nInstant or real-time outbound transfers\n\n\n\nICDT\nInitiated Credit\nOutbound\nN\/A\nOutbound ACH, wire, same-day, cross-border, and internal transfers\n\n\nSub-family\nACDT\nAccount Deposit\nN\/A\nSuccess\nStandard deposits, such as instant or ACH\n\n\n\nSDVA\nSame-Day Value\nN\/A\nSuccess\nFast or same-day transfers\n\n\n\nPRCT\nPriority Credit\nN\/A\nSuccess\nUrgent or wire transfers\n\n\n\nXBCT\nCross-border Credit\nN\/A\nSuccess\nTransfers via correspondent banks\n\n\n\nBOOK\nBooked Transfer\nN\/A\nSuccess\nInternal (book) transfers\n\n\n\nOTHR\nOther\nN\/A\nSuccess\nGeneral or uncategorised transfers\n\n\nAny\nRRTN\nReturn\nN\/A\nReversal\nReturns, reversals, or rejections\n\n\n\n\n    \n\nBAI codes (optional)\nBAI codes are a set of classification codes defined by the Bank Administration Institute. They are widely used in the BAI2 file format and are common across banking systems for categorizing transactions. When enabled, BAI codes are included in the CAMT.053 statement to provide additional transaction classification alongside ISO 20022 codes. This mapping focuses on the series used for active payment and transfer methods:\n\n100 to 200 series: Successful inbound deposits and credit returns.\n400 to 500 series: Successful outbound disbursements and debit reversals.\n\nCredits (inbound)\nTransactions where funds are deposited into the business account.\n\nAll returned credit transactions use the same ISO 20022 return code (RRTN) per transfer family.\n\n\n\n\nTransfer type\nISO 20022 (Booked)\nISO 20022 (Returned)\nBAI2 (Booked)\nBAI2 (Returned)\n\n\n\n\nInstant or real-time\nPMNT\/RRCT\/ACDT\nPMNT\/RRCT\/RRTN\n158\n496\n\n\nACH\nPMNT\/RCDT\/ACDT\nPMNT\/RCDT\/RRTN\n165\n557\n\n\nFast or same-day\nPMNT\/RCDT\/SDVA\nPMNT\/RCDT\/RRTN\n165\n557\n\n\nUrgent or wire\nPMNT\/RCDT\/PRCT\nPMNT\/RCDT\/RRTN\n195\n496\n\n\nCross-border\nPMNT\/RCDT\/XBCT\nPMNT\/RCDT\/RRTN\n208\n496\n\n\nInternal or book\nPMNT\/RCDT\/BOOK\nPMNT\/RCDT\/RRTN\n206\n496\n\n\nOther\nPMNT\/RCDT\/OTHR\nPMNT\/RCDT\/RRTN\n195\n496\n\n\n\nDebits (outbound)\nTransactions where funds are sent or withdrawn from the business account.\n\nAll returned debit transactions use the same ISO 20022 return code (RRTN) per transfer family.\n\n\n\n\nTransfer type\nISO 20022 (Booked)\nISO 20022 (Returned)\nBAI2 (Booked)\nBAI2 (Returned)\n\n\n\n\nInstant or real-time\nPMNT\/IRCT\/ACDT\nPMNT\/IRCT\/RRTN\n458\n196\n\n\nRegular or ACH\nPMNT\/ICDT\/ACDT\nPMNT\/ICDT\/RRTN\n466\n168\n\n\nFast or same-day\nPMNT\/ICDT\/SDVA\nPMNT\/ICDT\/RRTN\n466\n168\n\n\nUrgent or wire\nPMNT\/ICDT\/PRCT\nPMNT\/ICDT\/RRTN\n495\n196\n\n\nCross-border\nPMNT\/ICDT\/XBCT\nPMNT\/ICDT\/RRTN\n508\n196\n\n\nInternal or book\nPMNT\/ICDT\/BOOK\nPMNT\/ICDT\/RRTN\n506\n196\n\n\nGeneral or other\nPMNT\/ICDT\/OTHR\nPMNT\/ICDT\/RRTN\n495\n266\n\n\n\nSee also\n\n\n                    Reports and fee types\n                \n                    Compliance requirements for account statements\n                \n","type":"page","locale":"pt","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Business accounts","lvl2":"Account statements"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/business-accounts","lvl2":"\/pt\/business-accounts\/business-account-statement"},"levels":3,"category":"","category_color":"","tags":["Account","statements"]}}