camt.053/054 validator

A statement and a notification are different

camt.053 reports an account statement. camt.054 reports debit/credit notifications, including booked or pending items; it is not required to close a daily balance. Choose the exact namespace and bank-agreed version.

The ISO catalogue lists .14; the German DK/EBICS lifecycle points to V08 for account information. This does not establish your bank’s exact .054 profile. There is no automatic namespace rewrite or MT940 conversion requirement.

Read the layers and conditions

• XML: bounded local syntax check. XSD: authorised complete local BYO only; not executed without a package. Bank XSD is separate.
• Independent checks: account identity/IBAN, currency shape, amount/sign, booking calendar and period; duplicate references are review warnings. No cross-file duplicate history.
• Totals: exact decimal CRDT/DBIT arithmetic. Compare only attested complete, single-page, booked, same-currency sets. Transaction sums require complete comparable TxAmt details without FX, charges or interest. InstdAmt and CntrValAmt are not silently substituted.
• camt.053 balance: only OPBD → CLBD with matching subtype/currency and exact period boundaries. Available, interim, multiple or incomparable balances, pending entries and incomplete pages skip reconciliation. Reversals are signed once by CdtDbtInd, never inverted again.
• Not checked: complete national/bank profile, external code-list membership, authenticity, signatures, account ownership and bank acceptance. Unknown bank scope never becomes fully green.

Sources, rights and reproducible examples

ISO catalogue · ISO archive · ISO IPR · ISO terms of use · DK / EBICS lifecycle. Rechecked 6 November 2026. ISO repository use is royalty-free subject to its published terms and notices. National/bank artifacts require separate rights. Our direct downloads returned maintenance HTML, so no unverified XSD is bundled. Obtain an authorised official version locally and supply every dependency.

Artifact and engine notices · camt.053 rule-only sample · camt.054 rule-only sample · XSD-error fixture · Additional-rule error · All four versions: known outcomes and locations.

Each document/version has an independently authored passing rule-only sample, an XSD-error and an extra-rule error. XSD-error fixtures were tested with our independent test subset, not the official ISO XSD. No bank templates, guides, protected rules, Schematron, plugins or external code-list pack are supplied.