ISO 20022 CAMT.052/053/054 bank statement parser with exact integer-cent amounts and SEPA reference extraction. The go-forward statement format for EBICS banking (MT940 is legacy — see @fin.cx/mt940 for that).

Built as the ingestion layer for @fin.cx/bankrec (bank reconciliation) and the @fin.cx/skr accounting core: amounts never touch IEEE floats — they are parsed from the XML strings straight into integer cents.

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What This Package Does

Parses camt.053 (statements), camt.052 (account reports), and camt.054 (debit/credit notifications), normalized into one statement model
Handles the namespace versions in circulation (.001.02 classic through .001.08+ post-2019 EBICS); structural differences are normalized
Exact integer-cent amounts (amountCents) — 0.01 parses to 1, never 0.010000000000000002
Extracts SEPA references (EndToEndId, MandateId, TxId), counterparty name/IBAN/BIC (direction-aware: debtor for credits, creditor for debits), unstructured and structured remittance info (RF creditor references), return reasons (e.g. AC04), reversal flags, and bank transaction codes
Statement-internal completeness check: opening booked balance + booked movement must equal the closing booked balance to the cent

Installation

pnpm add @fin.cx/camt

Usage

import { parseCamt, validateStatementConsistency } from '@fin.cx/camt';

const statements = parseCamt(camtXmlString);

for (const statement of statements) {
  const consistency = validateStatementConsistency(statement);
  if (!consistency.valid) {
    throw new Error(`Statement broken: ${consistency.issues.join('; ')}`);
  }
  for (const entry of statement.entries) {
    entry.amountCents; // integer cents, exact
    entry.creditDebit; // 'CRDT' | 'DBIT'
    entry.details[0]?.endToEndId;
    entry.details[0]?.counterpartyIban;
    entry.details[0]?.remittanceUnstructured;
  }
}

Cross-statement continuity (gapless statement sequences across files) is the job of @fin.cx/bankrec, which consumes this model.

Development

pnpm build
pnpm test

License and Legal Information

This repository contains open-source code licensed under the MIT License. A copy of the license can be found in the license file.

Please note: The MIT License does not grant permission to use the trade names, trademarks, service marks, or product names of the project, except as required for reasonable and customary use in describing the origin of the work and reproducing the content of the NOTICE file.

Trademarks

This project is owned and maintained by Task Venture Capital GmbH. The names and logos associated with Task Venture Capital GmbH and any related products or services are trademarks of Task Venture Capital GmbH or third parties, and are not included within the scope of the MIT license granted herein.

Use of these trademarks must comply with Task Venture Capital GmbH's Trademark Guidelines or the guidelines of the respective third-party owners, and any usage must be approved in writing. Third-party trademarks used herein are the property of their respective owners and used only in a descriptive manner, e.g. for an implementation of an API or similar.

readme.md

@fin.cx/camt