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Understand Your Bank Statement and Payment Files

"I want to understand what's actually in a bank statement or payment file, and how to read it."

  1. 1
    Problem

    Work out what information you actually need from the bank, and in what shape.

    ARTICLE

    Appendix: Outline of Different Electronic Message Types in Treasury

  2. 2
    Mechanism

    Distinguish the message standards — legacy MT formats versus ISO 20022.

    ARTICLE

    MT940 vs CAMT.053: Guide to Bank Statement Migration & Automation

  3. 3
    Example

    Follow one concrete file migration end to end, field by field.

    ARTICLE

    MT101 to Pain.001: Treasury Migration Guide

    TOOL

    Payment Message Explorer

    Click through a real pain.001.001.03 payment file, field by field — what each tag means and why it matters.

    TOOL

    Payment Status Journey

    Five scenarios, including the ones that go wrong — the difference between technical receipt, acceptance, execution, and reporting.

  4. 4
    Tool

    Parse and check your own statement files without waiting on IT.

    ARTICLE

    CAMT.053 Transaction Processor

    ARTICLE

    CAMT.053 Fee Analyzer

    TOOL

    Bank Statement Data Lab

    A synthetic camt.053 statement, field by field, plus the table treasury actually reads from — built from the same data.

  5. 5
    Implementation questions

    Identify what to clarify with your bank about the exact format and fields you will receive.

    TOOL

    Profile Your Bank File

    Document the type, format, delivery, and ownership of one file — get a list of what's still unclear, generated from your own answers.