What is the difference between CAMT.052 and CAMT.053?

When they are cut, and what they can therefore say about a balance. CAMT.053 reports a closed statement period and states an opening and a closing balance for it. CAMT.052 reports the same account mid-period and states interim balances instead, with a timestamp saying when they were true. The entries themselves are the same element in both, which is why one reader handles both and why an entry seen intraday is recognizable as the same entry on the statement that follows.

What do ITBD and ITAV mean?

ITBD is the interim booked balance: everything the bank has posted to the account by the moment the report was cut. ITAV is the interim available balance: the same money minus whatever is not yet at your disposal, which is usually a credit booked today with tomorrow’s value date. They differ for a reason, and the reason is a date rather than a discrepancy.

How often does a bank send a CAMT.052?

As often as you arrange with it. Hourly and three-times-a-morning are both common, and some banks publish on request as well as on a schedule. Each report carries its own creation timestamp, so a series of them is a sequence rather than a set of snapshots you have to date yourself. A report with no new entries in it still states its balances.

Can I reconcile from a CAMT.052?

You can match against it, and the day’s close is still footed on the closed statement. Matching intraday is what makes the close a formality instead of an evening: an entry recognized at eleven is already explained when the CAMT.053 arrives with it, and the reference chain that identified it is the same one in both messages. What the interim report cannot carry is a closing balance, so the last check of the day belongs to the CAMT.053.

ISO 20022 · intraday

What a CAMT.052 tells you before the day closes

A CAMT.052 is the same account as a CAMT.053, reported while the day is still running. It states what the bank has booked so far and two balances for it — one you have and one you can spend — and neither of them is the balance the day will close on.

The account every page here reads

EUR

Published by: ISO 20022
What it carries: One account, part of a day: what is booked so far, and two balances for it.
Account: ES21 0049 0001 5323 4567 8901

Closing balance · Aug 14, 2026EUR 2,990,901.67

The definition

What a CAMT.052 actually is

The intraday half of the ISO 20022 reporting pair, sent as often as you agree with your bank and stamped with the moment it was true.

A CAMT.052 is the ISO 20022 XML message a bank sends to report an account before its statement period closes. It carries BkToCstmrAcctRpt where the closed statement carries BkToCstmrStmt, and one Rpt per account where that one carries a Stmt. The balances are the interim pair: ITBD is what the bank has booked by the moment stamped on the report, and ITAV is the part of it a customer can draw on. Entries are the same Ntry element the closed statement uses, each carrying a status that says whether the bank has booked it or is still holding it as pending.

Who sends it: Your bank, on whatever schedule the two of you agree: hourly, three times a morning, or on request. The message does not change with the frequency, and the CreDtTm on the report is what tells you which one you are holding.
When it arrives: Through the day, as often as the account earns it. A report with nothing new in it still arrives and still states its balances, which is how a quiet account is told apart from a feed that stopped in the night.
What it looks like: The same XML as the closed statement, without the closing balance and with a timestamp in its place. A team that reads one of the two reads the other without a second parser and without a second set of rules per bank.

What its parts are called

CAMT.052 ITBD
camt.052 vs camt.053
CAMT.052 BkToCstmrAcctRpt
CAMT.052 TxsSummry
camt.052 intraday balance

The file

One account at half past eleven, with the day still open

The same account this library uses everywhere, reported before the close. Two of the day’s three movements are on it. The bank’s own quarterly charges post in the fee run after the close and are not here yet, which is why the interim balance is higher than the balance this day ends on.

CAMT.052Two interim balances, a summary block, and the entries booked so far

<BkToCstmrAcctRpt>
  <GrpHdr>
    <MsgId>RPT2608140016101</MsgId>
    <CreDtTm>2026-08-14T11:30:00+02:00</CreDtTm>
  </GrpHdr>
  <Rpt>
    <Id>2608140016101</Id>
    <CreDtTm>2026-08-14T11:30:00+02:00</CreDtTm>
    <Acct><Id><IBAN>ES2100490001532345678901</IBAN></Id><Ccy>EUR</Ccy></Acct>
    <Bal>
      <Tp><CdOrPrtry><Cd>ITBD</Cd></CdOrPrtry></Tp>
      <Amt Ccy="EUR">3003840.12</Amt><CdtDbtInd>CRDT</CdtDbtInd>
      <Dt><DtTm>2026-08-14T11:30:00+02:00</DtTm></Dt>
    </Bal>
    <Bal>
      <Tp><CdOrPrtry><Cd>ITAV</Cd></CdOrPrtry></Tp>
      <Amt Ccy="EUR">2821793.57</Amt><CdtDbtInd>CRDT</CdtDbtInd>
      <Dt><DtTm>2026-08-14T11:30:00+02:00</DtTm></Dt>
    </Bal>
    <TxsSummry>
      <TtlNtries><NbOfNtries>2</NbOfNtries><Sum>224365.45</Sum><TtlNetNtryAmt>139727.65</TtlNetNtryAmt><CdtDbtInd>CRDT</CdtDbtInd></TtlNtries>
      <TtlCdtNtries><NbOfNtries>1</NbOfNtries><Sum>182046.55</Sum></TtlCdtNtries>
      <TtlDbtNtries><NbOfNtries>1</NbOfNtries><Sum>42318.90</Sum></TtlDbtNtries>
    </TxsSummry>
    <Ntry>
      <Amt Ccy="EUR">182046.55</Amt><CdtDbtInd>CRDT</CdtDbtInd><Sts><Cd>BOOK</Cd></Sts>
      <BookgDt><Dt>2026-08-14</Dt></BookgDt><ValDt><Dt>2026-08-15</Dt></ValDt>
      <AcctSvcrRef>BK26081401</AcctSvcrRef>
      <BkTxCd><Domn><Cd>PMNT</Cd><Fmly><Cd>RCDT</Cd><SubFmlyCd>ESCT</SubFmlyCd></Fmly></Domn></BkTxCd>
      <NtryDtls><TxDtls>
        <Refs><EndToEndId>4471QX</EndToEndId></Refs>
        <RltdPties><Dbtr><Pty><Nm>NORTE TESORERIA SL</Nm></Pty></Dbtr></RltdPties>
        <RmtInf><Ustrd>FRA 4471</Ustrd></RmtInf>
      </TxDtls></NtryDtls>
    </Ntry>
    <Ntry>
      <Amt Ccy="EUR">42318.90</Amt><CdtDbtInd>DBIT</CdtDbtInd><Sts><Cd>BOOK</Cd></Sts>
      <BookgDt><Dt>2026-08-14</Dt></BookgDt><ValDt><Dt>2026-08-14</Dt></ValDt>
      <AcctSvcrRef>BK26081402</AcctSvcrRef>
      <BkTxCd><Domn><Cd>PMNT</Cd><Fmly><Cd>RDDT</Cd><SubFmlyCd>ESDD</SubFmlyCd></Fmly></Domn></BkTxCd>
      <AddtlNtryInf>NORTE SUMINISTROS SL SUMINISTRO JULIO</AddtlNtryInf>
    </Ntry>
  </Rpt>
</BkToCstmrAcctRpt>

Where each fact lives in this file

Which account it is: <Acct><Id><IBAN>
The moment it is a picture of: <Rpt><CreDtTm>
The balance so far today: <Bal><Tp><CdOrPrtry><Cd>ITBD · ITAV
How many moved, and for how much: <TxsSummry><TtlCdtNtries> · <TtlDbtNtries>
One movement, and which way it went: <Ntry><Amt> · <CdtDbtInd>
The day it was booked, and the day the money is yours: <BookgDt> · <ValDt>
What the bank wrote about it: <RmtInf> · <AddtlNtryInf>
The reference that ties it to a payment: <EndToEndId> · <AcctSvcrRef>

What comes out

Two balances, and neither one is the close

The interim booked balance is above the figure this day will actually close on, because the charges have not posted. That is the report being correct, and it is the single most misread thing in it.

We take the interim booked balance as the position at the stamp and the interim available balance as what can leave today. The gap between the two here is the morning’s collection: booked, and valued tomorrow, so it counts toward what you have and not toward what you can send. The summary block gives the count and the sum per direction, which is what lets the entries under it be footed rather than trusted, and the stamp travels with every figure we take off the report so a position always says when it was true.

Then the statuses need care. A report can carry pending entries beside booked ones, and a pending entry is the bank’s expectation rather than a fact — count one into a booked balance and the arithmetic stops matching the record it came from. We keep the status with the entry the whole way through, so a movement that was pending at eleven and booked at four is one movement with a history rather than two movements with one amount.

Format profiles · CAMT.052

Which account it is<Acct><Id><IBAN>: ES21 0049 0001 5323 4567 8901
One movement, and which way it went<Ntry><Amt> · <CdtDbtInd>: EUR +182,046.55
The day it was booked, and the day the money is yours<BookgDt> · <ValDt>: Aug 15, 2026
What the bank wrote about it<RmtInf> · <AddtlNtryInf>: NORTE TESORERIA SL · FRA 4471
The reference that ties it to a payment<EndToEndId> · <AcctSvcrRef>: 4471QX

Every value beside the tag it was read from, so the reading can be checked against the record above.

The close is still footed on the closed statement. What this message buys is a morning that already knows what the close is going to say.

The same morning, and the same day finished

MT942 is this report in the SWIFT message most banks send beside it, and it has no balance at all. CAMT.053 is this account once the day is closed, with the balance codes that end it. MT940 is that same close in the older spelling.

Formats to read beside it

What reads it here

The same day written in four formats, side by side, is on Format library

Asked about CAMT.052

The questions a practitioner actually types

01What is the difference between CAMT.052 and CAMT.053?: When they are cut, and what they can therefore say about a balance. CAMT.053 reports a closed statement period and states an opening and a closing balance for it. CAMT.052 reports the same account mid-period and states interim balances instead, with a timestamp saying when they were true. The entries themselves are the same element in both, which is why one reader handles both and why an entry seen intraday is recognizable as the same entry on the statement that follows.
02What do ITBD and ITAV mean?: ITBD is the interim booked balance: everything the bank has posted to the account by the moment the report was cut. ITAV is the interim available balance: the same money minus whatever is not yet at your disposal, which is usually a credit booked today with tomorrow’s value date. They differ for a reason, and the reason is a date rather than a discrepancy.
03How often does a bank send a CAMT.052?: As often as you arrange with it. Hourly and three-times-a-morning are both common, and some banks publish on request as well as on a schedule. Each report carries its own creation timestamp, so a series of them is a sequence rather than a set of snapshots you have to date yourself. A report with no new entries in it still states its balances.
04Can I reconcile from a CAMT.052?: You can match against it, and the day’s close is still footed on the closed statement. Matching intraday is what makes the close a formality instead of an evening: an entry recognized at eleven is already explained when the CAMT.053 arrives with it, and the reference chain that identified it is the same one in both messages. What the interim report cannot carry is a closing balance, so the last check of the day belongs to the CAMT.053.

Send a morning’s CAMT.052 and see the position.

One account, one day of intraday reports. You get back the position at every stamp, what was booked, what was pending, and what could actually leave.

Request a demo Back to the format library

Bring the closed statement for the same day too, and the two will be reconciled against each other.