Account reporting

Camt.053 statements

You can request a statement containing all payment activity across your ClearBank accounts (sterling and multi-currency) for a completed business day, also referred to as a 'Bank to Customer Statement'. The statement is delivered in an ISO 20022 compliant XML file known as camt.053 (Cash Management message).

The statement is populated with transaction activity across all of your accounts within a given time range. Note that a transaction must be in a Settled state to be included. The startDateTime and endDateTime in your statement request must:

• be less than or equal to 25 hours apart
• be within the last 24 months (for example, on 1 July 2025, you can request transaction data back to and including 1 July 2023)
• be in the past

UK time zone examples

The following examples highlight the differences in startDateTimeUtc and endDateTimeUtc depending on the current UK time zone including specific examples of the first day of a new time zone. See the diagram for a visual representation of these changes.

In these examples, the following parameters remain constant:

• ClearBank completes its reconciliation based on the current UK timezone
• The endpoint request must be in UTC time

How to request and download your statement

Use the POST /v1/statementrequests endpoint to request the generation of a camt.053 statement for a specific time range.

The process is shown in this message flow diagram:

Once the statement has been generated, you will receive a Statement Ready For Download webhook containing a unique MessageId and a TotalPages value. The statement is divided into pages and each page is assigned a PageNumber value. If a page reaches the maximum number of transactions (5000), the statement is continued on a new page. Each page is a complete XML file starting with a group header.

To download a statement page, use the GET /v1/statements/{messageId} and provide the unique MessageID contained in the webhook and the PageNumber you wish to download. You can only download one statement page per request. If the generated statement contains multiple pages and you wish to download them all, repeat the GET call with an incremented page number until:

• PageNumber is equal to the TotalPages value in the webhook, or,
• LastPageIndicator in the Group Header of the XML is true

We'll respond to the GET statement call with a 200 OK response containing an XMLObject. This object contains the requested page of the camt.053 statement in XML format. The start of the statement page can be identified by the XML group header which will be in this format:

<?xml version="1.0" encoding="UTF-8" standalone="no"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.053.001.11">
<BkToCstmrStmt>       
       <GrpHdr>
            <MsgId>1234567891234567891234567891234</MsgId>
            <CreDtTm>2023-06-22T04:59:59.000Z</CreDtTm>
            <MsgRcpt>
                <Nm>Institution Name</Nm>
                <Id>
                    <OrgId>
                        <Othr>
                            <Id>12345678901039488545</Id>
                        </Othr>
                    </OrgId>
                </Id>
            </MsgRcpt>
            <MsgPgntn>
                <PgNb>1</PgNb>
                <LastPgInd>Yes</LastPgInd>
            </MsgPgntn>
        </GrpHdr>

{
  "startDateTimeUtc": "string",
  "endDateTimeUtc": "string"
}

{
  "type": "string",
  "title": "string",
  "status": 0,
  "detail": "string",
  "instance": "string",
  "errors": {
    "property1": [
      "string"
    ],
    "property2": [
      "string"
    ]
  },
  "property1": null,
  "property2": null
}

{
  "type": "string",
  "title": "string",
  "status": 0,
  "detail": "string",
  "instance": "string",
  "errors": {
    "property1": [
      "string"
    ],
    "property2": [
      "string"
    ]
  },
  "property1": null,
  "property2": null
}

Key camt.053 fields

There are many fields in camt.053 messages as defined in the ISO 20022 Standard. This table provides information on the most relevant fields within the messages and their associated conversions.

Group header

Statement