GLOBAL PAYMENTS KNOWLEDGEISO 20022 / SWIFT / SEPA / MT / MX
PAYMENTSSIGNAL

The interactive academy for the standards, messages, and rails that move money.

PROGRESS
ANNOTATED SAMPLE

camt.052 intraday account report

A fictional intraday report containing one booked credit entry.

Contributor Shubham Mathure

Illustrative, non-production example. Values are fictional and the message is not validated for any specific network, scheme, or implementation guide.

EVIDENCE AT ARM'S REACH

DOWNLOAD AND GOVERNING SOURCES

Download the canonical fictional sample, then open the exact official definition and profile needed for implementation testing.

An XSD checks XML structure. A usage guideline adds profile rules, conditional fields, code restrictions, and business controls. XSD-valid does not mean scheme-compliant.

XSD + definitionBase ISO 20022current

ISO 20022 message definitions and XSDs

Choose the exact message definition in the official catalogue. The base XSD checks XML structure; it does not prove compliance with a scheme profile.

Owner
ISO 20022 Registration Authority
Checked
2026-07-12
Access
Official page · Public official catalogue; select the required message version before downloading.
OPEN OFFICIAL SOURCE
Usage guidelineCBPR+current

CBPR+ usage guidelines

The network profile that restricts how ISO 20022 payment and reporting messages are used for cross-border traffic.

Owner
Swift (CBPR+ working group)
Version
Standards Release 2025
Checked
2026-07-19
Access
Login required · Full message-level guidelines require the relevant Swift MyStandards access.
VERSION TRACK
  • upcomingStandards Release 2026
    Published
    2026-03-20
    Effective
    2026-11-14
    Supersedes
    Standards Release 2025
    Access
    Login required
    Checked
    2026-07-19

    Adds the November 2026 validation and structured-address changes; implement against the final SR2026 usage guidelines.

    Final usage guidelines are published through MyStandards; the public release page gives the implementation timeline.

    Open version source
OPEN OFFICIAL SOURCE
Usage guidelineCBPR+current

PMPG correspondent-payment and reporting market practice

Non-binding market practice for structured party data, cover payments, investigations, and the transition between MT and ISO 20022 reporting.

Owner
Payments Market Practice Group
Checked
2026-07-12
Access
Official page · Public market-practice hub; individual papers remain owned and versioned by PMPG and Swift.
OPEN OFFICIAL SOURCE
Usage guidelineT2current

T2 functional specifications, validation rules, and binding XSDs

The ECB release library for T2 RTGS and central-liquidity messaging, including public user specifications, business validation rules, and binding schemas.

Owner
European Central Bank
Version
R2026.JUN
Checked
2026-07-19
Access
Official page · Public ECB release page with owner-hosted specifications and ZIP packages; select the release for the implementation window.
OPEN OFFICIAL SOURCE
Teaching sampleScheme-neutral teachingcurrent

camt.052 intraday account report — raw XML

A fictional intraday report containing one booked credit entry. SYNTHETIC / TRAINING ONLY; illustrative unvalidated.

Owner
Payments Signal
Version
camt.052.001.14
Checked
2026-07-19
Integrity
crc32:de514164
Access
Payments Signal download · Original fictional teaching sample; no login required.
DOWNLOAD
Lifecycle packScheme-neutral teachingcurrent

Corporate MX positive lifecycle — ZIP pack

Initiation, customer and interbank status, payment, notification, intraday report, and statement.

Owner
Payments Signal
Checked
2026-07-19
Integrity
crc32:705aa0af
Access
Payments Signal download · Original fictional teaching pack; no login required.
DOWNLOAD
MappingCBPR+current

MT941 → camt.052 implementation mapping

Field correspondence, transformation treatment, and data-loss notes for Intraday balance reporting migration.

Owner
Payments Signal
Checked
2026-07-19
Integrity
crc32:739da5e8
Access
Payments Signal download · Original, source-backed teaching asset; no login required.
DOWNLOAD
MappingCBPR+current

MT942 → camt.052 implementation mapping

Field correspondence, transformation treatment, and data-loss notes for Interim transaction reporting migration.

Owner
Payments Signal
Checked
2026-07-19
Integrity
crc32:6c2b3d52
Access
Payments Signal download · Original, source-backed teaching asset; no login required.
DOWNLOAD
Field matrixBase ISO 20022current

camt.052 field matrix

Curated field requirements, contexts, operational meaning, and implementation cautions.

Owner
Payments Signal
Checked
2026-07-19
Integrity
crc32:66f49e6f
Access
Payments Signal download · Original, source-backed teaching asset; no login required.
DOWNLOAD
Test packScheme-neutral teachingcurrent

Payment lifecycle test cases

Positive and negative test cases across validation, rejection, return, recall, reversal, investigation, reconciliation, migration, instant payments, and screening.

Owner
Payments Signal
Checked
2026-07-19
Integrity
crc32:98c48cc7
Access
Payments Signal download · Original, source-backed teaching asset; no login required.
DOWNLOAD
Field matrixT2current

T2 RTGS implementation pack field and process matrix

Verified profile constraints with versioned evidence and explicit operating conditions.

Owner
Payments Signal
Checked
2026-07-19
Integrity
crc32:ce355754
Access
Payments Signal download · Original, source-backed teaching asset; no login required.
DOWNLOAD
Test packT2current

T2 RTGS implementation pack test cases

Positive and negative lifecycle tests linked to verified profile rules.

Owner
Payments Signal
Checked
2026-07-19
Integrity
crc32:52175ca5
Access
Payments Signal download · Original, source-backed teaching asset; no login required.
DOWNLOAD
BA checklistT2current

T2 RTGS implementation pack BA checklist

Discovery, controls, testing and operational-readiness checks for the profile.

Owner
Payments Signal
Checked
2026-07-19
Integrity
crc32:dabcc15d
Access
Payments Signal download · Original, source-backed teaching asset; no login required.
DOWNLOAD
Acceptance criteriaT2current

T2 RTGS implementation pack acceptance criteria

Outcome-focused profile acceptance criteria with honest release gates.

Owner
Payments Signal
Checked
2026-07-19
Integrity
crc32:90dc18ba
Access
Payments Signal download · Original, source-backed teaching asset; no login required.
DOWNLOAD
Migration notesT2current

T2 RTGS implementation pack migration notes

Version, transformation, cutover and reconciliation controls.

Owner
Payments Signal
Checked
2026-07-19
Integrity
crc32:90393a22
Access
Payments Signal download · Original, source-backed teaching asset; no login required.
DOWNLOAD
Coverage gapsT2current

T2 RTGS implementation pack restricted and release-specific gaps

Evidence that must be obtained from the owner before production readiness can be claimed.

Owner
Payments Signal
Checked
2026-07-19
Integrity
crc32:581e94a5
Access
Payments Signal download · Original, source-backed teaching asset; no login required.
DOWNLOAD
Profile packCBPR+current

CBPR+ implementation pack

Generated mapping, field-matrix, test, checklist, acceptance-criteria, migration, manifest, checksum, and source-inventory bundle.

Owner
Payments Signal
Checked
2026-07-19
Integrity
crc32:9d2559ed
Access
Payments Signal download · Original generated teaching pack; no login required.
DOWNLOAD
Profile packSEPA SCTcurrent

SEPA credit-transfer implementation pack

Generated mapping, field-matrix, test, checklist, acceptance-criteria, migration, manifest, checksum, and source-inventory bundle.

Owner
Payments Signal
Checked
2026-07-19
Integrity
crc32:39e4ef6d
Access
Payments Signal download · Original generated teaching pack; no login required.
DOWNLOAD
Profile packSEPA SDD Corecurrent

SEPA direct-debit implementation pack

Generated mapping, field-matrix, test, checklist, acceptance-criteria, migration, manifest, checksum, and source-inventory bundle.

Owner
Payments Signal
Checked
2026-07-19
Integrity
crc32:458732a2
Access
Payments Signal download · Original generated teaching pack; no login required.
DOWNLOAD
Profile packHVPS+current

High-value payments implementation pack

Generated mapping, field-matrix, test, checklist, acceptance-criteria, migration, manifest, checksum, and source-inventory bundle.

Owner
Payments Signal
Checked
2026-07-19
Integrity
crc32:02c424d8
Access
Payments Signal download · Original generated teaching pack; no login required.
DOWNLOAD
Profile packT2current

T2 RTGS implementation pack

Generated mapping, field-matrix, test, checklist, acceptance-criteria, migration, manifest, checksum, and source-inventory bundle.

Owner
Payments Signal
Checked
2026-07-19
Integrity
crc32:4e9cc3db
Access
Payments Signal download · Original generated teaching pack; no login required.
DOWNLOAD
camt.052
<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.052.001.14">
  <BkToCstmrAcctRpt>
    <GrpHdr>

      <CreDtTm>2026-07-18T12:00:00Z</CreDtTm>
    </GrpHdr>
    <Rpt>

      <ElctrncSeqNb>3</ElctrncSeqNb>
      <Acct>

      </Acct>
      <Bal><Tp><CdOrPrtry><Cd>ITBD</Cd></CdOrPrtry></Tp><Amt Ccy="EUR">48750.00</Amt><CdtDbtInd>CRDT</CdtDbtInd></Bal>
      <Ntry>
        <Amt Ccy="EUR">1250.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <BookgDt><Dt>2026-07-18</Dt></BookgDt>
        <NtryDtls><TxDtls><Refs>
          <EndToEndId>DEMO-E2E-001</EndToEndId>
        </Refs></TxDtls></NtryDtls>
      </Ntry>
    </Rpt>
  </BkToCstmrAcctRpt>
</Document>

EVERY ANNOTATED FIELD

GrpHdr/MsgId Message identification — mandatory

Unique reference for this physical report message.

Rpt/Id Report identification — mandatory

Identifier for this account report within the reporting service.

Rpt/ElctrncSeqNb Electronic sequence number — optional

Sequence used to detect a missing or duplicated report.

Swift's 2026 CBPR+ changes mandate this element for camt.052 usage in that context.

Rpt/Acct/Id Account identification — mandatory

The account whose position and entries are being reported.

Rpt/Bal Reported balance — optional

An interim booked or available balance at the stated date and time.

⚠ Booked and available balances are not interchangeable.

Rpt/Ntry/Amt Entry amount — optional

Amount of a reported debit or credit entry.

Rpt/Ntry/BookgDt Booking date — optional

When the account servicer booked the entry.

Rpt/Ntry/NtryDtls/TxDtls/Refs/EndToEndId End-to-end reference — optional

Customer reference used to match the account entry to the originating payment.

FULL camt.052 REFERENCE →

COMMUNITY SIGNAL

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