ValidateFin

camt.053.001.08 — reversal, pending entry, accents

Built for the camt.053 → MT940 converter: it carries the three things a camt.053 can say and an MT940 cannot. A REVERSAL (RvslInd) — the bank claws back the duplicate credit of entry 1, which is not a payment in the opposite direction and becomes an RC mark, not a plain debit. A PENDING entry (Sts=PDNG) — the money has not moved, so it must be left OUT of the MT940 or :60F: ± :61: = :62F: no longer holds; the CSV, which has a Status column, keeps it. And "Sté Générale" and "Müller & Co.", whose characters are outside the SWIFT set and are adapted, with the tool saying so. Booked: 10 000.00 + 2 500.00 − 2 500.00 − 1 200.00 = 8 800.00.

camt.053.001.08 — Valid

Built for the camt.053 → MT940 converter: it carries the three things a camt.053 can say and an MT940 cannot. A REVERSAL (RvslInd) — the bank claws back the duplicate credit of entry 1, which is not a payment in the opposite direction and becomes an RC mark, not a plain debit. A PENDING entry (Sts=PDNG) — the money has not moved, so it must be left OUT of the MT940 or :60F: ± :61: = :62F: no longer holds; the CSV, which has a Status column, keeps it. And "Sté Générale" and "Müller & Co.", whose characters are outside the SWIFT set and are adapted, with the tool saying so. Booked: 10 000.00 + 2 500.00 − 2 500.00 − 1 200.00 = 8 800.00.

Bank statement (camt.052 / 053 / 054) camt.053.001.08 ISO 20022Expected result: Valid

What this file shows

Built for the camt.053 → MT940 converter: it carries the three things a camt.053 can say and an MT940 cannot. A REVERSAL (RvslInd) — the bank claws back the duplicate credit of entry 1, which is not a payment in the opposite direction and becomes an RC mark, not a plain debit. A PENDING entry (Sts=PDNG) — the money has not moved, so it must be left OUT of the MT940 or :60F: ± :61: = :62F: no longer holds; the CSV, which has a Status column, keeps it. And "Sté Générale" and "Müller & Co.", whose characters are outside the SWIFT set and are adapted, with the tool saying so. Booked: 10 000.00 + 2 500.00 − 2 500.00 − 1 200.00 = 8 800.00.

Transactions4
Date in the file2026-06-30
Last verified: License: CC-BY-4.0
Download the file Open the matching validator

Every party, IBAN and amount below is fictitious. The IBANs are structurally valid — they pass the mod-97 check — but they belong to no real account.

File content

<?xml version="1.0" encoding="UTF-8"?>
<!--
  ValidateFin sample file — bank statement, camt.053.001.08.
  Expected validation result: VALID — 4 entries, balances reconcile over the
  BOOKED entries only.

  This file exists for the camt.053 -> MT940 converter. It carries the three
  things a camt.053 can say and an MT940 cannot, all in one statement:

    * a REVERSAL (RvslInd = true on entry 2): the bank claws back the duplicate
      credit of entry 1. It is NOT a payment in the opposite direction — MT940
      has a dedicated mark for it (RC = reversal of credit, RD = reversal of
      debit), and a converter that emitted an ordinary movement would turn one
      cancelled transaction into two unrelated payments.
    * a PENDING entry (Sts = PDNG on entry 4): the money has not moved. MT940
      cannot say "not settled yet", so the entry must be LEFT OUT of the MT940 —
      including it would break :60F: +/- :61: = :62F:. A CSV, which has a Status
      column, keeps it.
    * characters outside the SWIFT "x" set: "Sté Générale", "Müller & Co.".
      MT940 cannot carry them; they are adapted, and the tool says so.

  The arithmetic: OPBD 10 000.00 + 2 500.00 - 2 500.00 - 1 200.00 = CLBD 8 800.00.
  The pending 800.00 is deliberately NOT in it — pending money is not booked money.

  All parties and account numbers are fictitious.
  Reference page: https://validatefin.com/en/resources/samples/camt053-reversal-pending
  License: CC-BY-4.0
-->
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.053.001.08"
          xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <BkToCstmrStmt>
    <GrpHdr>
      <MsgId>CAMT053-REV-20260630</MsgId>
      <CreDtTm>2026-06-30T22:00:00</CreDtTm>
    </GrpHdr>
    <Stmt>
      <Id>STMT-FR-2026-06</Id>
      <LglSeqNb>6</LglSeqNb>
      <CreDtTm>2026-06-30T22:00:00</CreDtTm>
      <FrToDt>
        <FrDtTm>2026-06-01T00:00:00</FrDtTm>
        <ToDtTm>2026-06-30T23:59:59</ToDtTm>
      </FrToDt>
      <Acct>
        <Id>
          <IBAN>FR7630006000011234567890189</IBAN>
        </Id>
        <Ccy>EUR</Ccy>
        <Nm>Atelier Duval SARL</Nm>
        <Ownr>
          <Nm>Atelier Duval SARL</Nm>
        </Ownr>
        <Svcr>
          <FinInstnId>
            <BICFI>AGRIFRPP</BICFI>
          </FinInstnId>
        </Svcr>
      </Acct>
      <!-- Solde d'ouverture -->
      <Bal>
        <Tp>
          <CdOrPrtry>
            <Cd>OPBD</Cd>
          </CdOrPrtry>
        </Tp>
        <Amt Ccy="EUR">10000.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt>
          <Dt>2026-06-01</Dt>
        </Dt>
      </Bal>
      <!-- Solde de clôture : écritures COMPTABILISÉES uniquement -->
      <Bal>
        <Tp>
          <CdOrPrtry>
            <Cd>CLBD</Cd>
          </CdOrPrtry>
        </Tp>
        <Amt Ccy="EUR">8800.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt>
          <Dt>2026-06-30</Dt>
        </Dt>
      </Bal>
      <!-- Solde disponible : devient le :64: du MT940 -->
      <Bal>
        <Tp>
          <CdOrPrtry>
            <Cd>CLAV</Cd>
          </CdOrPrtry>
        </Tp>
        <Amt Ccy="EUR">8800.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt>
          <Dt>2026-06-30</Dt>
        </Dt>
      </Bal>
      <!-- 1. Virement client reçu — le nom porte des accents -->
      <Ntry>
        <NtryRef>FR-2026-06-001</NtryRef>
        <Amt Ccy="EUR">2500.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Sts>
          <Cd>BOOK</Cd>
        </Sts>
        <BookgDt>
          <Dt>2026-06-08</Dt>
        </BookgDt>
        <ValDt>
          <Dt>2026-06-08</Dt>
        </ValDt>
        <BkTxCd>
          <Domn>
            <Cd>PMNT</Cd>
            <Fmly>
              <Cd>RCDT</Cd>
              <SubFmlyCd>ESCT</SubFmlyCd>
            </Fmly>
          </Domn>
        </BkTxCd>
        <NtryDtls>
          <TxDtls>
            <Refs>
              <AcctSvcrRef>BNKREF-20260608-77</AcctSvcrRef>
              <EndToEndId>FACT-2026-0421</EndToEndId>
            </Refs>
            <RltdPties>
              <Dbtr>
                <Pty>
                  <Nm>Sté Générale Nord SA</Nm>
                </Pty>
              </Dbtr>
              <DbtrAcct>
                <Id>
                  <IBAN>FR1420041010050500013M02606</IBAN>
                </Id>
              </DbtrAcct>
            </RltdPties>
            <RmtInf>
              <Ustrd>Facture 2026-0421 — solde</Ustrd>
            </RmtInf>
          </TxDtls>
        </NtryDtls>
        <AddtlNtryInf>VIREMENT RECU STE GENERALE NORD</AddtlNtryInf>
      </Ntry>
      <!-- 2. CONTRE-PASSEMENT du crédit ci-dessus (doublon) : RvslInd = true.
           En MT940 : RC (reversal of credit), pas un débit ordinaire. -->
      <Ntry>
        <NtryRef>FR-2026-06-002</NtryRef>
        <Amt Ccy="EUR">2500.00</Amt>
        <CdtDbtInd>DBIT</CdtDbtInd>
        <RvslInd>true</RvslInd>
        <Sts>
          <Cd>BOOK</Cd>
        </Sts>
        <BookgDt>
          <Dt>2026-06-09</Dt>
        </BookgDt>
        <ValDt>
          <Dt>2026-06-08</Dt>

160 / 284 lines shown — the complete file is in the download above.

How we know these results hold

Every file in this library is run through the site's own validator on each build. The expected result stated above is asserted by an automated test — if a file stopped matching what this page claims, the build would fail. Two inherited fixtures were repaired this way before publication: three IBANs failed the mod-97 check and several names used characters outside the basic SEPA character set.

Bank statement (camt.052 / 053 / 054)

All sample fileshttps://validatefin.com/samples/camt053-reversal-pending.xml