CAMT - Cash Management

CAMT (Cash Management) account statement messages will ensure SEPA becomes the
optimum banking format.

The new banking format - SEPA (Single Euro Payments Area) which is the vehicle for facilitating
credit transfers &
direct debit transactions for countries in the SEPA zone via ISO 20022 xml-
based formats will necessitate the availability of more detailed and structured information on the
return loop. CAMT messages are the perfect choice to achieve this goal.

One of the routes CAMT takes to achieve this is the use of the xml notation in the bank-to-
corporate communication; this contains more details and provides more structured information
for the ERP  system concerned. This in turn, enables seamless and automatic processing of rich
payment information throughout the entire financial value chain. The additional information
contained in CAMT messages has the potential to make automated accounting processes
significantly easier and particularly accurate in areas like bank reconciliation.

These CAMT messages are processed as ZIP container files and can be divided into three types
of bank-to-customer information: camt.052 for account reports, camt.053 for statements, and
camt.054 for debit/credit notifications.

Whilst the old MT940 and MT942 messages are very much still supported by Banks around the
world, it is likely that more Banks, particularly in the SEPA zone, will offer their clients account
information in the new CAMT format thereby contributing substantially to improvements in their
inhouse automation.

For assistance on how Cashbook can assist your organisation in the SEPA & CAMT process,
please contact:                                                 or


  • Cashbook reads XML files directly
  • Greater data in the files leads to more invoice automation and matching


  • Reduces bank statement processing time
  • CAMT reduces resources required for cash application
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This will be a big time saver for our
business. In addition to the product
installed, we appreciate the continued
product support afterwards in working
through minor issues that cropped up.
Thanks again for your help.

Rene Stasiak, AR Controller,Atlas Copco
CMT USA - Customer since 2005
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