Download daily statements (CAMT.053)

Card admins can perform this task.

For reconciliation and treasury purposes, Perk lets you download Perk Card transactions in CAMT.053 format.

The CAMT.053 format provides a clear, standardized breakdown of all transactions, credits, debits, and balances. It provides you with full visibility over card transactions and account balances. This file can be automatically integrated into financial systems, allowing you to automatically reconcile transactions, reducing manual effort and errors in bookkeeping, and streamlining month-end processes.

CAMT files also help with cash flow management by giving insights into spending patterns.

Perk supports camt.053.001.02. You can access this file in Finance > Card management > Corporate cards and then clicking on Actions. After clicking Daily statements, you see a list of CAMT statements for download.

File specification

The statement contains multiple rows, which may appear once or several times depending on the type. For example, Opening balance and Closing balance only appear once per file. Transactions, chargeback, refund and pay in/out may appear several times.

Document header

This section includes key information about the issuer of the file and when the file was created.

Attribute	Description/Comments
`MsgId`	Unique file ID by Perk (format: camt53_YYYY_DD_MM_HH_MM_SS_YOKOY)
`CreDtTm`	Date-timestamp of when CAMT file was generated.
`MsgRcpt/Nm`	Entity name
`MsgRcpt/Id/OrgId/Othr/Id`	Perk organization ID

Statement

This section provides information about the statement period for the card account, and identifiers such as statement ID and sequence numbers.

Attribute	Description/Comments
`Id`	ID of the monthly statement.
`ElctrncSeqNb`	Incremented by 1 with each file.
`LglSeqNb`	Legal sequence number.
`CreDtTm`	Timestamp of when the statement was created.
`FrToDt/FrDtTm`	Start date of the timeframe for the statement.
`FrToDt/ToDtTm`	End date of the timeframe of the statement.

Account information

This section provides information on the bank account associated with the statement.

Attribute	Description/Comments
`Acct/Id/Othr/Id`	IBAN of the Perk Card account.
`Acct/Tp/Prtry`	Bank’s proprietary account type
`Acct/Ccy`	Account currency of the Perk Card account.
`Acct/Nm`	Account name of the Perk Card account.
`Acct/Svcr/FinInstnId/BIC`	Bank BIC
`Acct/Svcr/FinInstnId/Nm`	Bank name

Balance information

This section provides information about the bank account’s opening and closing balance for the statement period.

Attribute	Description/Comments
`Bal/Tp/CdOrPrtry/Cd`	Balance type code. This can be CLBD: Closing Booked Balance OPBD: Opening Booked Balance CLAV: Closing Available Balance
`Bal/Amt`	Currency and Amount of Balance
`Bal/CdtDbtInd`	`CRDT` (positive balance) or `DBIT` (negative balance)
`Bal/Dt/DtTm`	Time of balance amount

Transaction summary

This section provides a summary of all transactions performed during the statement period, such as the number of entries, the total amount of all movements, and the total amount of credit and debit entries separately.

Attribute	Description/Comments
`TxsSummry/TtlNtries/NbOfNtries`	Total entries count in statement.
`TxsSummry/TtlNtries/Sum`	Total amount for all account movements regardless of debit/credit.
`TxsSummry/TtlNtries/TtlNetNtryAmt`	Net result after subtracting debits from credits.
`TxsSummry/TtlNtries/CdtDbtInd`	Indicator of net result (CRDT or DBIT).
`TxsSummry/TtlCdtNtries/NbOfNtries`	Number of credit entries.
`TxsSummry/TtlCdtNtries/Sum`	Sum of credit entries.
`TxsSummry/TtlDbtNtries/NbOfNtries`	Number of debit entries.
`TxsSummry/TtlDbtNtries/Sum`	Sum of debit entries.

Transaction details

This section contains specific information on the transaction performed, such as type of entry, the status, and the transaction type.

Attribute	Description/comments
`Ntry/NtryRef`	Reference for a single entry (transaction).
`Ntry/Amt`	Currency and amount of transaction.
`Ntry/CdtDbtInd`	Type of entry. It can be: CRDT: credit, or DBIT: debit
`Ntry/RvslInd`	Indicator showing whether entry is a return.
`Ntry/Sts`	Transaction status. It can be: BOOK: Booked transactions INFO: Information transactions PDNG: Pending transactions
`Ntry/BookgDt/DtTm`	Booking date (clearing date).
`Ntry/ValDt/Dt`	Value date (authorization date).
`Ntry/BkTxCd/Prtry/Cd`	Transaction type. It can be: Pay In: Money received into account Pay Out: Money transferred from account to third party Transaction: General transaction Refund: Return of previously transferred money

Detailed transaction information

This section contains additional information about specific transactions.

Attribute	Description/comments
`NtryDtls/TxDtls/Refs/MsgId`	Unique transaction identifier.
`NtryDtls/TxDtls/Refs/AcctSvcrRef`	Bank-specific transaction identifier.
`NtryDtls/TxDtls/AmtDtls/InstdAmt/Amt`	Original transaction amount.
`NtryDtls/TxDtls/AmtDtls/TxAmt/Amt`	Transaction amount in card’s or merchant’s currency.
`NtryDtls/TxDtls/AmtDtls/CntrValAmt/Amt`	Equivalent amount after currency conversion.
`NtryDtls/TxDtls/RltdPties/Cdtr/Nm`	Name of the creditor.
`NtryDtls/TxDtls/RltdPties/CdtrAcct/Id/Othr/Id`	IBAN of creditor account.
`NtryDtls/TxDtls/CcyXchg/SrcCcy`	Source currency in currency exchange.
`NtryDtls/TxDtls/CcyXchg/TrgtCcy`	Target currency in currency exchange.
`NtryDtls/TxDtls/CcyXchg/XchgRate`	Exchange rate applied.
`NtryDtls/TxDtls/RmtInf/Ustrd`	Unstructured remittance information.

Example of CAMT.053 file

?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.053.001.02">
  <BkToCstmrStmt>
    <GrpHdr>
      <MsgId>camt053_2025_05_21T13_50_27_428Z</MsgId>
      <CreDtTm>2025-05-21T13:50:27.428Z</CreDtTm>
      <MsgRcpt>
        <Nm>Sample Company</Nm>
        <Id>
          <OrgId>
            <Othr>
              <Id>ExampleOrg123</Id>
            </Othr>
          </OrgId>
        </Id>
      </MsgRcpt>
    </GrpHdr>

    <Stmt>
      <Id>camt053_2025_05_21T13_50_27_428Z</Id>
      <ElctrncSeqNb>1001</ElctrncSeqNb>
      <LglSeqNb>1001</LglSeqNb>
      <CreDtTm>2025-05-21T13:50:27.428Z</CreDtTm>
      <FrToDt>
        <FrDtTm>2025-05-20T00:00:00.000Z</FrDtTm>
        <ToDtTm>2025-05-20T23:59:59.999Z</ToDtTm>
      </FrToDt>

      <Acct>
        <Id>
          <IBAN>IE71MODR99035500658731</IBAN>
        </Id>
        <Tp>
          <Prtry>Standard</Prtry>
        </Tp>
        <Ccy>EUR</Ccy>
        <Nm>Sample GmbH</Nm>
        <Svcr>
          <FinInstnId>
            <BIC>MODRIE22XXX</BIC>
          </FinInstnId>
        </Svcr>
      </Acct>

      <Bal>
        <Tp><CdOrPrtry><Cd>OPBD</Cd></CdOrPrtry></Tp>
        <Amt Ccy="EUR">1000.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt><DtTm>2025-05-20T00:00:00.000Z</DtTm></Dt>
      </Bal>

      <Bal>
        <Tp><CdOrPrtry><Cd>CLBD</Cd></CdOrPrtry></Tp>
        <Amt Ccy="EUR">850.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt><DtTm>2025-05-20T23:59:59.999Z</DtTm></Dt>
      </Bal>

      <Bal>
        <Tp><CdOrPrtry><Cd>CLAV</Cd></CdOrPrtry></Tp>
        <Amt Ccy="EUR">870.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt><DtTm>2025-05-20T23:59:59.999Z</DtTm></Dt>
      </Bal>

      <TxsSummry>
        <TtlNtries>
          <NbOfNtries>4</NbOfNtries>
          <Sum>150.00</Sum>
          <TtlNetNtryAmt>-150.00</TtlNetNtryAmt>
        </TtlNtries>
        <TtlCdtNtries>
          <NbOfNtries>1</NbOfNtries>
          <Sum>100.00</Sum>
        </TtlCdtNtries>
        <TtlDbtNtries>
          <NbOfNtries>3</NbOfNtries>
          <Sum>250.00</Sum>
        </TtlDbtNtries>
      </TxsSummry>

      <Ntry>
        <NtryRef>l0Z9URgXnJGZhw08XISh</NtryRef>
        <Amt Ccy="EUR">50.00</Amt>
        <CdtDbtInd>DBIT</CdtDbtInd>
        <RvslInd>false</RvslInd>
        <Sts>BOOK</Sts>
        <BookgDt><Dt>2025-05-20</Dt></BookgDt>
        <ValDt><Dt>2025-05-19</Dt></ValDt>
        <BkTxCd><Prtry><Cd>Transaction</Cd></Prtry></BkTxCd>
        <NtryDtls>
          <TxDtls>
            <Refs><MsgId>TXN0001</MsgId><AcctSvcrRef>ref0001</AcctSvcrRef></Refs>
            <AmtDtls><TxAmt><Amt Ccy="EUR">50.00</Amt></TxAmt></AmtDtls>
          </TxDtls>
        </NtryDtls>
      </Ntry>

      <Ntry>
        <NtryRef>WRwAeM2idrLu5uz3j2uu</NtryRef>
        <Amt Ccy="EUR">100.00</Amt>
        <CdtDbtInd>DBIT</CdtDbtInd>
        <RvslInd>false</RvslInd>
        <Sts>BOOK</Sts>
        <BookgDt><Dt>2025-05-20</Dt></BookgDt>
        <ValDt><Dt>2025-05-20</Dt></ValDt>
        <BkTxCd><Prtry><Cd>Pay Out</Cd></Prtry></BkTxCd>
        <NtryDtls>
          <TxDtls>
            <Refs><MsgId>TXN0002</MsgId><AcctSvcrRef>ref0002</AcctSvcrRef></Refs>
            <AmtDtls><TxAmt><Amt Ccy="EUR">100.00</Amt></TxAmt></AmtDtls>
          </TxDtls>
        </NtryDtls>
      </Ntry>

      <Ntry>
        <NtryRef>TpGLKygkEEbFBAd2UQ4J</NtryRef>
        <Amt Ccy="EUR">100.00</Amt>
        <CdtDbtInd>DBIT</CdtDbtInd>
        <RvslInd>false</RvslInd>
        <Sts>BOOK</Sts>
        <BookgDt><Dt>2025-05-20</Dt></BookgDt>
        <ValDt><Dt>2025-05-20</Dt></ValDt>
        <BkTxCd><Prtry><Cd>Refund</Cd></Prtry></BkTxCd>
        <NtryDtls>
          <TxDtls>
            <Refs><MsgId>TXN0003</MsgId><AcctSvcrRef>ref0003</AcctSvcrRef></Refs>
            <AmtDtls><TxAmt><Amt Ccy="EUR">100.00</Amt></TxAmt></AmtDtls>
          </TxDtls>
        </NtryDtls>
      </Ntry>

      <Ntry>
        <NtryRef>XkPEzLqAbFZnMs90vNpa</NtryRef>
        <Amt Ccy="EUR">100.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <RvslInd>false</RvslInd>
        <Sts>BOOK</Sts>
        <BookgDt><Dt>2025-05-20</Dt></BookgDt>
        <ValDt><Dt>2025-05-20</Dt></ValDt>
        <BkTxCd><Prtry><Cd>Pay In</Cd></Prtry></BkTxCd>
        <NtryDtls>
          <TxDtls>
            <Refs><MsgId>TXN0004</MsgId><AcctSvcrRef>ref0004</AcctSvcrRef></Refs>
            <AmtDtls><TxAmt><Amt Ccy="EUR">100.00</Amt></TxAmt></AmtDtls>
          </TxDtls>
        </NtryDtls>
      </Ntry>
    </Stmt>
  </BkToCstmrStmt>
</Document>