MT940 na camt.053: odczyt i konwersja wyciągów SWIFT w 2026
MT940 jest wycofywany wraz z migracją SWIFT do ISO 20022. Przewodnik wyjaśnia format MT940, mapowanie na camt.053 i jak przekonwertować plik za darmo w przeglądarce.
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What is an MT940 file?
MT940 is the SWIFT "Customer Statement Message": a plain-text, tag-delimited format that banks have used for decades to deliver end-of-day account statements to ERP and treasury systems. Each statement is a set of fields introduced by a colon-wrapped tag — :20: for the transaction reference, :25: for the account, :60F: for the opening balance, :61: for each transaction line, :86: for the free-text details, and :62F: for the closing balance.
The format is compact and human-readable, but rigid: it carries little structured data compared with modern XML statements, the debit/credit direction is encoded in a one- or two-letter mark, amounts use a comma as the decimal separator, and the :86: remittance information is largely unstructured free text that varies from bank to bank. That flexibility is exactly what makes MT940 hard to parse reliably across institutions.
MT940 has no schema. Unlike an XML file validated against an XSD, the only built-in integrity check is arithmetic: the opening balance plus the net of all transactions must equal the stated closing balance. A statement that does not reconcile has almost certainly lost, duplicated or mis-signed a line.
The tags inside an MT940 statement
An MT940 statement is built from a handful of tags that always appear in the same order. Here are the ones that carry the account, the balances and the transactions.
:20: — Transaction reference
Opens the statement. A reference assigned by the bank to this statement message.
:25: — Account identification
The account the statement is for, usually the IBAN or the bank/account number.
:60F: — Opening balance
The balance at the start of the statement: a debit/credit mark (C or D), the date (YYMMDD), the currency and the amount (comma decimal). :60M: is an intermediate opening balance for continued statements.
:61: — Statement line
One record per transaction: value date, optional entry date (MMDD), debit/credit mark (C, D, or RC/RD for reversals), amount, a 4-character SWIFT transaction type (NTRF, NDDT, NMSC…) and the reference.
:86: — Information to account owner
The remittance information / description attached to the preceding :61: line. Often wraps across several lines and is mostly free text.
:62F: — Closing balance
The balance at the end of the statement, in the same layout as :60F:. :64: optionally carries the closing available balance.
How MT940 maps to ISO 20022 camt.053
camt.053 (Bank-to-Customer Statement) is the ISO 20022 XML replacement for MT940. Where MT940 packs a balance into a single line like C231231EUR1000,00, camt.053 expresses the same information as a structured <Bal> element with an explicit type code (OPBD for opening, CLBD for closing), an amount with a currency attribute, a credit/debit indicator and a date. A camt.053 statement can carry almost 1,600 possible fields, against a few dozen for MT940 — richer, unambiguous and machine-validated against an official XSD.
The mapping is direct for the essentials: :25: becomes the account identifier, :60F: and :62F: become the OPBD and CLBD balance blocks, and every :61:/:86: pair becomes an <Ntry> (booked entry) with its amount, credit/debit indicator, booking and value dates, the SWIFT transaction type carried as a proprietary bank transaction code, and the :86: text as remittance information. A reversal (RC/RD) flips the economic direction — a reversed credit is booked as a debit — so the converted statement stays consistent.
Właśnie dlatego migracja ma znaczenie w praktyce: termin SWIFT z listopada 2025 roku dotyczył komunikatów płatności transgranicznych; okres koegzystencji dla komunikatów wyciągów MT9xx (MT940/MT942/MT950) został przedłużony poza tę datę, a wycofanie oczekiwane jest około 2027-2028 roku. Systemy ERP i skarbowe (SAP, Sage i inne) coraz częściej importują wyłącznie camt.053, więc zespoły finansowe korzystające z kanałów MT940 potrzebują niezawodnego sposobu ich konwersji.
Converting MT940 to camt.053 without uploading your data
A conversion is only useful if the output is a valid camt.053 that your ERP will actually accept. The key is to carry the real opening and closing balances straight from :60F:/:62F:, keep the debit and credit entries in the same statement (an MT940 mixes both, unlike a payment-initiation file), map each SWIFT transaction type faithfully, and split the :61: reference into the customer reference and the bank reference so nothing is lost.
Just as important is what you do NOT send anywhere. A bank statement is sensitive data: account numbers, counterparties, amounts. ValidateFin parses and converts MT940 entirely in your browser — the file never leaves your machine, there is no upload, and nothing is stored on a server. That is the difference between a quick paste-and-convert and emailing a statement to a third-party service.
Before you convert, the tool also reconciles the statement: opening balance plus the net turnover must equal the closing balance. If they disagree, you get a warning rather than a silently broken camt.053 — the same arithmetic check a careful treasury analyst would do by hand.
Convert your MT940 to camt.053 now
Drop your MT940 file into the ValidateFin MT940 viewer to see the balances and transactions, then export a valid camt.053.001.02 statement — entirely in your browser. No MT940 file is ever uploaded to a server.
Open the MT940 viewer & converterCzęsto zadawane pytania
What replaced MT940?
Wyciąg XML ISO 20022 camt.053 (Bank-to-Customer Statement) zastąpił MT940. Termin ISO 20022 wyznaczony przez SWIFT na listopad 2025 obejmował komunikaty płatności transgranicznych; komunikaty wyciągów MT9xx pozostają na razie dostępne (wycofanie oczekiwane około 2027-2028), ale większość systemów ERP i skarbowych już importuje camt.053.
Can I convert MT940 to camt.053 for free?
Yes. The ValidateFin MT940 tool reads an MT940 file and exports a valid camt.053.001.02 statement for free, entirely in your browser. No signup and no upload.
Is my bank statement uploaded to a server?
No. The MT940 file is read, parsed and converted entirely in your browser using JavaScript. No statement data is ever sent to or stored on a server.
What are the main MT940 tags?
:20: transaction reference, :25: account, :28C: statement number, :60F: opening balance, :61: transaction line, :86: transaction details, :62F: closing balance.
How does an MT940 :61: line encode a debit or a credit?
By a debit/credit mark after the dates: C for credit, D for debit. Reversals are marked RC (reversed credit) and RD (reversed debit), which flip the economic direction of the amount.
How do I know an MT940 file is correct?
MT940 has no schema, so the core check is arithmetic: the opening balance plus the net of all transactions must equal the closing balance. If it does not reconcile, a line has been lost, duplicated or mis-signed.
Why is MT940 being replaced by camt.053?
MT940 is a rigid text format with limited structured data. camt.053 is XML, validated against an official ISO 20022 schema, and carries far richer, unambiguous data — which is why the global ISO 20022 migration is moving statements from MT940 to camt.053.
Does the converter handle files with several statements?
Yes. The parser reads every statement in the file; the viewer shows each one, and the camt.053 export covers the first statement — the common one-file-one-account migration case.