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Convert a camt.053 file to OFX

In short: A camt.053 file is the ISO 20022 XML bank statement that is replacing MT940 in Europe. Each booking sits in an Ntry element with its amount, a CRDT or DBIT mark, booking and value dates, and the other party's name, IBAN and payment reference. OFX (Open Financial Exchange) is the standard bank statement file. Xero, GnuCash, Moneydance and many other programs import it without asking you to map columns. Drop the file below. It is converted on your device and never uploaded.

Convert your file

camt.053 to OFX

An .xml file from your bank's camt.053 (ISO 20022) statement download

Your file stays on this device

It is read and converted by this page, inside your browser. Nothing from the file is uploaded, and the converter keeps working offline once the page has loaded.

One email when it ships. The address is used for nothing else. Details.

1. Export the file from your bank

  1. In your online banking open the account and look for Statements, Export or Download.
  2. Choose camt.053 (sometimes called ISO 20022, XML statement or CAMT).
  3. Pick the period and download. Some banks give a .zip with one .xml per day; unzip it and upload one .xml at a time.
  4. Upload the .xml file here exactly as downloaded.

Why a raw camt.053 export fails in Xero, Wave, GnuCash, Moneydance, MS Money and others

QuickBooks and Quicken read Web Connect files, not ISO 20022 XML. The statement has to be rebuilt as a .qbo file, with the account, the dates and a signed amount for each booking.

Programs that read OFX do not ask you to map columns, which avoids the date and sign mistakes a hand-mapped CSV invites. Payment apps rarely offer OFX themselves, so the file has to be built from their CSV.

What is unusual about the camt.053 file

  • Versions camt.053.001.02 to .001.08 are read.
  • One file can hold statements for several accounts. Each converted file holds one account in one currency; you choose which.
  • Only booked entries are converted; pending entries are left out with a note.
  • A batch booking (for example one line for several direct debits) is split into its payments when they add up exactly to the booked amount.
  • We check every statement: the opening balance plus the entries must equal the closing balance. If it does not, you get a clear warning.
  • camt.052 reports and camt.054 notifications are not statements and are refused with a note.

What Xero, Wave, GnuCash, Moneydance, MS Money and others requires

  • Plain OFX 1.0.2 SGML with no Intuit extensions.
  • One account and one currency per file.
  • Stable transaction ids: the same row in two overlapping exports gets the same id.

2. Before and after

Before: the camt.053 statement as downloaded

<?xml version="1.0" encoding="UTF-8"?>
<!-- Constructed test file. Layout and element names follow ISO 20022 camt.053.001.02 and the ING sample
     (assets.ing.com Sample-Files-CAMT.pdf); names, IBANs and amounts are invented. -->
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.053.001.02">
<BkToCstmrStmt>
<GrpHdr><MsgId>TEST-20251231</MsgId><CreDtTm>2026-01-01T06:00:00</CreDtTm></GrpHdr>
<Stmt>
<Id>STMT-EUR-1</Id>
<ElctrncSeqNb>12</ElctrncSeqNb>

After: what Xero, Wave, GnuCash, Moneydance, MS Money and others receives

...
<STMTTRN>
<TRNTYPE>CREDIT</TRNTYPE>
<DTPOSTED>20251230120000</DTPOSTED>
<TRNAMT>660.12</TRNAMT>
<FITID>639E1B6C1419E5B6</FITID>
<NAME>Muller &amp; Sohne GmbH</NAME>
<MEMO>Invoice 2025-118</MEMO>
</STMTTRN>
<STMTTRN>
<TRNTYPE>DEBIT</TRNTYPE>
<DTPOSTED>20251230120000</DTPOSTED>
<TRNAMT>-289.00</TRNAMT>
<FITID>9AD8F0AF2D42B31F</FITID>
<NAME>=HYPERLINK("http://x")</NAME>
<MEMO>RF18539007547034</MEMO>
</STMTTRN>
...

Synthetic sample data that follows the real export layout, not a real account. The "after" output was produced from it by the same converter this page runs.

3. Import the converted file into Xero, Wave, GnuCash, Moneydance, MS Money and others

  1. In your accounting software open the bank account and choose Import statement (or File > Import > OFX).
  2. Choose this .ofx file.
  3. Review and confirm the transactions.

Questions

How do I know nothing went missing?
Every camt.053 statement carries an opening and a closing booked balance. The converter adds up the booked entries of each statement and compares the result with the closing balance. If they do not match, you see a warning that names the statement and the difference.
Which programs accept OFX files?
Xero, Wave, GnuCash, Moneydance and many desktop finance programs offer an OFX import. QuickBooks prefers .qbo and Quicken prefers .qfx; use those variants for Intuit products.
What about pending entries and batch bookings?
Only booked entries are converted; pending ones are left out with a note, because they are not part of the booked balance yet. A batch booking, such as one line for several direct debits, is split into its payments when they add up exactly to the booked amount, and kept as one line otherwise.
What happens with overlapping exports or repeated rows?
Each transaction gets an id built from its date, amount, description and platform id, so the same row in two overlapping exports gets the same id. Whether your software uses that id to skip a repeat is up to the software, so avoiding overlapping date ranges is still the safest habit. Within one file, exact repeats of the same platform transaction are dropped and the notes say how many.

Other ways to convert camt.053

Other exports to OFX