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CAMT messages for incoming payment data

What is the CAMT format?

The CAMT format is used for messages that banks send to their customers. There are multiple versions, including:


  • camt.054  for credit and debit notifications linked to orange (BVR) payment slips.
  • camt.053 – the new electronic version of an account statement. It can be sent daily, weekly, or monthly.




When do you need to use CAMT files?

  • Do you want to receive grouped incoming payment files?
  • Do you regularly issue QR bills using a QR-IBAN?
  • Do you want to automate your accounting processes?
  • Do you use – or want to use – billing software to make your accounting easier?

Why switch to the new format?

  • camt.054. As soon as someone who owes you money makes a payment, you will receive a reference number for the transaction. Your software will process the transaction data, comparing it with the information on file, and update your accounting records accordingly. The CAMT format therefore allows for greater automation of your invoice processing.
  • camt.053. Receiving account statements in a single standardized electronic format makes it easier for you to manage your financial accounts. Your accounting software can process the account statements, comparing the information with your records, and reconcile your account accordingly. With this format, you save time and decrease the chance of making an accounting mistake.

Using CAMT at BCV


If you use BCV-net

Go to Preferences > CAMT message files.


Click on Modify to the right of the account for which you want to receive CAMT messages .

Présentation PowerPoint Présentation PowerPoint

To download camt.054 files, go to Payments > File Transfer > BVR files.

You can download camt.053 files from the e-Statements section.

If you use BCV-connect

Call our business banking hotline at 0844 228 228 and request to receive CAMT files.

Message flow

EntreprisecréancièreÉmission d’une factureClientTéléchargement des fichiers dencaissements en format cam.054 mis àdisposition par la banque.Téléchargement des relevés de compte enformat camt.053 mis à disposition par labanquePaiement de la facture par l’intermédiaire de la banqueTransfert interbancaireÉtablissement financier du créancierÉtablissement financier du débiteur

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If you are a BCV client with BCV-net, we suggest you log in to BCV-net and contact us using the secure messaging service

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