Sample camt.052 file with Structured Remittance
The below sample demonstrates how Structured Remittance enables richer transaction details by showing Invoicer/Invoicee and Discount related details for an Incoming Wire.
Note - The sample reports include comments for guidance. You may remove these comments based on your parsing requirements or intended use case.
Sample 1
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.052.001.08">
<BkToCstmrAcctRpt>
<GrpHdr>
<MsgId>15875741400</MsgId>
<CreDtTm>2025-05-06T14:51:39.728Z</CreDtTm>
<AddtlInf>INTR</AddtlInf>
</GrpHdr>
<Rpt>
<Id>11871053550</Id>
<ElctrncSeqNb>980</ElctrncSeqNb>
<LglSeqNb>980</LglSeqNb>
<CreDtTm>2025-05-06T14:51:39.731Z</CreDtTm>
<FrToDt>
<FrDtTm>2025-04-29T11:30:00.000Z</FrDtTm>
<ToDtTm>2025-04-29T12:30:00.000Z</ToDtTm>
</FrToDt>
<Acct>
<Id>
<Othr>
<Id>103116583</Id>
</Othr>
</Id>
<Tp>
<Prtry>IBDA_DDA</Prtry>
</Tp>
<Ccy>USD</Ccy>
<Nm>Receiver</Nm>
<Svcr>
<FinInstnId>
<BICFI>GSCRUS30</BICFI>
<Nm>Goldman Sachs Bank</Nm>
</FinInstnId>
</Svcr>
</Acct>
<Bal>
<Tp>
<CdOrPrtry>
<Cd>ITAV</Cd>
</CdOrPrtry>
</Tp>
<Amt Ccy="USD">165766826571.94</Amt>
<CdtDbtInd>DBIT</CdtDbtInd>
<Dt>
<DtTm>2025-04-29T23:59:00.000Z</DtTm>
</Dt>
</Bal>
<Bal>
<Tp>
<CdOrPrtry>
<Cd>ITBD</Cd>
</CdOrPrtry>
</Tp>
<Amt Ccy="USD">165766826571.94</Amt>
<CdtDbtInd>DBIT</CdtDbtInd>
<Dt>
<DtTm>2025-04-29T23:59:00.000Z</DtTm>
</Dt>
</Bal>
<TxsSummry>
<TtlNtries>
<NbOfNtries>1</NbOfNtries>
<Sum>850.0</Sum>
<TtlNetNtry>
<Amt>850.0</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
</TtlNetNtry>
</TtlNtries>
<TtlCdtNtries>
<NbOfNtries>1</NbOfNtries>
<Sum>850.0</Sum>
</TtlCdtNtries>
<TtlDbtNtries>
<NbOfNtries>0</NbOfNtries>
<Sum>0</Sum>
</TtlDbtNtries>
</TxsSummry>
<Ntry>
<NtryRef>325421350</NtryRef>
<Amt Ccy="USD">850.00</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<RvslInd>false</RvslInd>
<Sts>
<Cd>BOOK</Cd>
</Sts>
<BookgDt>
<DtTm>2025-04-29T11:48:47.000Z</DtTm>
</BookgDt>
<ValDt>
<Dt>2025-04-29</Dt>
</ValDt>
<BkTxCd>
<Domn>
<Cd>PMNT</Cd>
<Fmly>
<Cd>RCDT</Cd>
<SubFmlyCd>DMCT</SubFmlyCd>
</Fmly>
</Domn>
<Prtry>
<Cd>Incoming Wire</Cd>
</Prtry>
</BkTxCd>
<NtryDtls>
<TxDtls>
<Refs>
<MsgId>79250429GSTXBFWR039325</MsgId>
<AcctSvcrRef>SI2511900000177</AcctSvcrRef>
<EndToEndId>39307281YSXJEHQI202701</EndToEndId>
<TxId>SI2511900000177</TxId>
<ClrSysRef>39307281YSXJEHQI202701</ClrSysRef>
</Refs>
<AmtDtls>
<InstdAmt>
<Amt Ccy="USD">850.00</Amt> <!-- The Strd block provides more -->
<!-- details about the payment -->
</InstdAmt>
<TxAmt>
<Amt Ccy="USD">850.00</Amt>
</TxAmt>
</AmtDtls>
<RltdPties>
<Dbtr>
<Pty>
<Nm>Corporation Z</Nm>
</Pty>
</Dbtr>
<DbtrAcct>
<Id>
<Othr>
<Id>FED123456</Id>
</Othr>
</Id>
<Nm>Corporation Z</Nm>
</DbtrAcct>
</RltdPties>
<RltdAgts>
<DbtrAgt>
<FinInstnId>
<Othr>
<Id>021000089</Id>
</Othr>
</FinInstnId>
</DbtrAgt>
</RltdAgts>
<RmtInf>
<Strd> <!-- The content for Strd block are directly -->
<!-- picked up from Pain001 -->
<RfrdDocInf>
<Tp>
<CdOrPrtry>
<Cd>CINV</Cd> <!-- CINV implies the document -->
<!-- type is a Commercial Invoice -->
</CdOrPrtry>
</Tp>
<Nb>INV/123456/2025/04/01</Nb> <!-- Invoice number for -->
<!-- payment being made -->
<!-- enables invoice -->
<!-- to payments matching -->
<RltdDt>2025-04-29</RltdDt>
</RfrdDocInf>
<RfrdDocAmt>
<DuePyblAmt Ccy="USD">1000.0</DuePyblAmt>
<DscntApldAmt>
<Tp>
<Cd>APDS</Cd> <!-- Code for Promotional Discount -->
</Tp>
<Amt Ccy="USD">50.0</Amt>
</DscntApldAmt>
<AdjstmntAmtAndRsn>
<Amt Ccy="USD">100.00</Amt> <!-- Adjustment Amount -->
<CdtDbtInd>DBIT</CdtDbtInd> <!-- Credit/Debit -->
<AddtlInf>Deduction for missing item </AddtlInf>
</AdjstmntAmtAndRsn>
<RmtdAmt Ccy="USD">850.0</RmtdAmt> <!-- Final Amount paid -->
</RfrdDocAmt>
<Invcr> <!-- Invoicer's details as provided -->
<!-- in the Payment file -->
<Nm>ABC Corp.</Nm>
<PstlAdr>
<AdrType>
<Cd>ADDR</Cd>
<Dept>Finance</Dept>
<SubDept>Account Receivables</SubDept>
<StrtNm>MANNING ST</StrtNm>
<BldgNb>1616</BldgNb>
<BldgNm>Bldg Name</BldgNm>
<Flr>02</Flr>
<PstBx>1122</PstBx>
<Room>121</Room>
<PstCd>93309</PstCd>
<TwnNm>BAKERSFIELD</TwnNm>
<TwnLctnNm>Twn Lctn Nm</TwnLctnNm>
<DstrctNm>Dstrct Nm</DstrctNm>
<CtrySubDvsn>CA</CtrySubDvsn>
<Ctry>US</Ctry>
<AdrLine>Address Line</AdrLine>
</PstlAdr>
<Id>
<PrvtId>
<DtAndPlcOfBirth>
<BirthDt>1991-09-01</BirthDt>
<PrvcOfBirth>Province</PrvcOfBirth>
<CityOfBirth>NewYork</CityOfBirth>
<CtryOfBirth>US</CtryOfBirth>
</DtAndPlcOfBirth>
</PrvtId>
</Id>
</Invcr>
<Invcee> <!-- Invoicee's details as provided -->
<!-- in the Payment file -->
<Nm>XYZ Corp.</Nm>
<PstlAdr>
<Dept>Finance</Dept>
<SubDept>Account Payables</SubDept>
<StrtNm>Fun ST</StrtNm>
<BldgNb>2009</BldgNb>
<BldgNm>ASAP Studios</BldgNm>
<Flr>01</Flr>
<PstBx>200721</PstBx>
<Room>121</Room>
<PstCd>93309</PstCd>
<TwnNm>BAKERSFIELD</TwnNm>
<Ctry>US</Ctry>
<AdrLine>Unstructured Address123</AdrLine>
</PstlAdr>
<Id>
<PrvtId>
<DtAndPlcOfBirth>
<BirthDt>1985-09-10</BirthDt>
<PrvcOfBirth>Adam</PrvcOfBirth>
<CityOfBirth>Leicester</CityOfBirth>
<CtryOfBirth>GB</CtryOfBirth>
</DtAndPlcOfBirth>
</PrvtId>
</Id>
<CtctDtls> <!-- Invoicee's contact details -->
<Nm>John Doe</Nm>
<MobNb>123456789</MobNb>
<EmailAdr>johnd1@xyzcorp.com</EmailAdr>
<JobTitl> CFO </JobTitl>
</CtctDtls>
</Invcee>
</Strd>
</RmtInf>
<RltdDts>
<IntrBkSttlmDt>2025-04-29</IntrBkSttlmDt>
</RltdDts>
<AddtlTxInf>Desc: From: Corporation Z, Remittance Info: "CINV, INV/123456
/2025/04/01, 2025-04-29, USD, 1000, APDS, USD, 50, USD, 10, USD, 850, ABC
D123, Finance, Account Receivables, MANNING ST, 1616, Bldg Name, 02, 1122
, 121", Client Ref ID: 39307281YSXJEHQI202701, GS ID: SI2511900000177, Cl
earing Ref: 39307281YSXJEHQI202701</AddtlTxInf>
</TxDtls>
</NtryDtls>
</Ntry>
</Rpt>
</BkToCstmrAcctRpt>
</Document>
Sample 2
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.052.001.08">
<BkToCstmrAcctRpt>
<GrpHdr>
<MsgId>15875741400</MsgId>
<CreDtTm>2025-05-06T14:51:39.728Z</CreDtTm>
<AddtlInf>INTR</AddtlInf>
</GrpHdr>
<Rpt>
<Id>11871053550</Id>
<ElctrncSeqNb>980</ElctrncSeqNb>
<LglSeqNb>980</LglSeqNb>
<CreDtTm>2025-05-06T14:51:39.731Z</CreDtTm>
<FrToDt>
<FrDtTm>2025-04-29T11:30:00.000Z</FrDtTm>
<ToDtTm>2025-04-29T12:30:00.000Z</ToDtTm>
</FrToDt>
<Acct>
<Id>
<Othr>
<Id>103116583</Id>
</Othr>
</Id>
<Tp>
<Prtry>IBDA_DDA</Prtry>
</Tp>
<Ccy>USD</Ccy>
<Nm>Innatech Liquidity Management</Nm>
<Svcr>
<FinInstnId>
<BICFI>GSCRUS30</BICFI>
<Nm>Goldman Sachs Bank</Nm>
</FinInstnId>
</Svcr>
</Acct>
<Bal>
<Tp>
<CdOrPrtry>
<Cd>ITAV</Cd>
</CdOrPrtry>
</Tp>
<Amt Ccy="USD">165766826571.94</Amt>
<CdtDbtInd>DBIT</CdtDbtInd>
<Dt>
<DtTm>2025-04-29T23:59:00.000Z</DtTm>
</Dt>
</Bal>
<Bal>
<Tp>
<CdOrPrtry>
<Cd>ITBD</Cd>
</CdOrPrtry>
</Tp>
<Amt Ccy="USD">165766826571.94</Amt>
<CdtDbtInd>DBIT</CdtDbtInd>
<Dt>
<DtTm>2025-04-29T23:59:00.000Z</DtTm>
</Dt>
</Bal>
<TxsSummry>
<TtlNtries>
<NbOfNtries>1</NbOfNtries>
<Sum>10000.0</Sum>
<TtlNetNtry>
<Amt>10000.0</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
</TtlNetNtry>
</TtlNtries>
<TtlCdtNtries>
<NbOfNtries>1</NbOfNtries>
<Sum>10000.0</Sum>
</TtlCdtNtries>
<TtlDbtNtries>
<NbOfNtries>0</NbOfNtries>
<Sum>0</Sum>
</TtlDbtNtries>
</TxsSummry>
<Ntry>
<NtryRef>330094150</NtryRef>
<Amt Ccy="USD">10000.00</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<RvslInd>false</RvslInd>
<Sts>
<Cd>BOOK</Cd>
</Sts>
<BookgDt>
<DtTm>2025-05-22T13:08:30.000Z</DtTm>
</BookgDt>
<ValDt>
<Dt>2025-05-22</Dt>
</ValDt>
<BkTxCd>
<Domn>
<Cd>PMNT</Cd>
<Fmly>
<Cd>IDDT</Cd>
<SubFmlyCd>PADD</SubFmlyCd>
</Fmly>
</Domn>
<Prtry>
<Cd>ACH Debit Collection</Cd>
</Prtry>
</BkTxCd>
<NtryDtls>
<TxDtls>
<Refs>
<MsgId>4483201</MsgId>
<AcctSvcrRef>SB2514200029136</AcctSvcrRef>
<PmtInfId>BP25142111549723</PmtInfId>
<EndToEndId>GSBNOPHMNFZT7P</EndToEndId>
<TxId>SB2514200029136</TxId>
</Refs>
<AmtDtls>
<InstdAmt>
<Amt Ccy="USD">10000.00</Amt>
</InstdAmt>
<TxAmt>
<Amt Ccy="USD">10000.00</Amt> <!-- Payment for 2 invoices -->
</TxAmt>
</AmtDtls>
<RltdPties>
<Dbtr>
<Pty>
<Nm>Impact</Nm>
</Pty>
</Dbtr>
<DbtrAcct>
<Id>
<Othr>
<Id>101152038</Id>
</Othr>
</Id>
<Nm>Impact</Nm>
</DbtrAcct>
</RltdPties>
<RltdAgts>
<DbtrAgt>
<FinInstnId>
<Othr>
<Id>026015079</Id>
</Othr>
</FinInstnId>
</DbtrAgt>
</RltdAgts>
<Purp>
<Prtry>BILL PMT</Prtry>
</Purp>
<RmtInf> <!-- The RmtInf block contains 2 Strd blocks -->
<!-- covering 2 invoice details -->
<Strd> <!-- Invoice 1 of 5000 USD -->
<RfrdDocInf>
<Tp>
<CdOrPrtry>
<Cd>CINV</Cd>
</CdOrPrtry>
</Tp>
<Nb>INV/213231/2025/04/01</Nb>
<RltdDt>2025-04-29</RltdDt>
</RfrdDocInf>
<RfrdDocAmt>
<DuePyblAmt Ccy="USD">5150.0</DuePyblAmt>
<DscntApldAmt>
<Tp>
<Cd>APDS</Cd>
</Tp>
<Amt Ccy="USD">50.0</Amt>
</DscntApldAmt>
<AdjstmntAmtAndRsn>
<Amt Ccy="USD">100.0</Amt>
<CdtDbtInd>DBIT</CdtDbtInd>
<AddtlInf>100 USD deducted for delays</AddtlInf>
</AdjstmntAmtAndRsn>
<RmtdAmt Ccy="USD">5000.0</RmtdAmt>
</RfrdDocAmt>
<Invcr>
<Nm>ABCD123</Nm>
<PstlAdr>
<Dept>Finance</Dept>
<SubDept>Account Receivables</SubDept>
<StrtNm>MANNING ST</StrtNm>
<BldgNb>1616</BldgNb>
<BldgNm>Bldg Name</BldgNm>
<Flr>02</Flr>
<PstBx>1122</PstBx>
<Room>121</Room>
<PstCd>93309</PstCd>
<TwnNm>BAKERSFIELD</TwnNm>
<TwnLctnNm>Twn Lctn Nm</TwnLctnNm>
<DstrctNm>Dstrct Nm</DstrctNm>
<CtrySubDvsn>CA</CtrySubDvsn>
<Ctry>US</Ctry>
<AdrLine>Address Line</AdrLine>
</PstlAdr>
<Id>
<PrvtId>
<DtAndPlcOfBirth>
<BirthDt>1991-09-01</BirthDt>
<PrvcOfBirth>Province</PrvcOfBirth>
<CityOfBirth>NewYork</CityOfBirth>
<CtryOfBirth>US</CtryOfBirth>
</DtAndPlcOfBirth>
</PrvtId>
</Id>
</Invcr>
<Invcee>
<Nm>XYZ1234</Nm>
<PstlAdr>
<Dept>Finance</Dept>
<SubDept>Account Payables</SubDept>
<StrtNm>Fun ST</StrtNm>
<BldgNb>2009</BldgNb>
<BldgNm>ASAP Studios</BldgNm>
<Flr>01</Flr>
<PstBx>200721</PstBx>
<Room>121</Room>
<PstCd>93309</PstCd>
<TwnNm>BAKERSFIELD</TwnNm>
<Ctry>US</Ctry>
<AdrLine>Unstructured Address123</AdrLine>
</PstlAdr>
</Invcee>
</Strd>
<Strd> <!-- Invoice 2 of 5000 USD -->
<RfrdDocInf>
<Tp>
<CdOrPrtry>
<Cd>CINV</Cd>
</CdOrPrtry>
</Tp>
<Nb>INV/9999/2025/04/01</Nb>
<RltdDt>2025-04-29</RltdDt>
</RfrdDocInf>
<RfrdDocAmt>
<DuePyblAmt Ccy="USD">5000.0</DuePyblAmt>
<RmtdAmt Ccy="USD">5000.0</RmtdAmt>
</RfrdDocAmt>
<Invcr>
<Nm>ABC Goods Delivery</Nm>
</Invcr>
<Invcee>
<Nm>Sample Furniture Company</Nm>
</Invcee>
</Strd>
</RmtInf>
<RltdDts>
<IntrBkSttlmDt>2025-05-22</IntrBkSttlmDt>
</RltdDts>
<AddtlTxInf>SEC Code: PPD,Desc: Entry Description: BILL PMT; -, SEC: PPD,
Client Ref ID: FB/GS/DDFILEFB0003/DDBA0004, GS ID: BP25142111549723
</AddtlTxInf>
</TxDtls>
</NtryDtls>
</Ntry>
</Rpt>
</BkToCstmrAcctRpt>
</Document>
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