SEPA XML Output (camt.053)

The camt.053.001.02 (ISO 20022) format for Czech and Slovak accounting systems

Introduction

SEPA XML outputs are generated in the camt.053.001.02 format (ISO 20022 Bank-to-Customer Statement). This is an international standard for bank statements supported by all major accounting systems.

Download SEPA XML

After unlocking the processed file, you have 4 output formats available for download:

Format File type Description
GPC ABO/GPC txt Pohoda, Money S3, FlexiBee — standard Czech format
SEPA CZ camt.053.001.02 xml Czech banks — contains the ČBA code
SEPA SK camt.053.001.02 xml Slovak banks — without ČBA code
CB.ua 1CClientBankExchange txt Ukrainian accounting — BAS, 1C, M.E.Doc

Compatibility with accounting systems

Accounting system GPC SEPA XML Note
POHODA Yes Yes Validates against the XSD schema; asks for the statement number during import
Money S3 Yes Yes Supports camt.053 import
FlexiBee Yes Yes Also accepts less strict XML

Cleaner output Ustrd and EndToEndId New

The SEPA XML generator produces cleaner output that is more compatible with accounting software:

  • Empty SS and KS are skipped — if a transaction lacks a specific or constant symbol, the element is not written to the XML at all (instead of an empty value that violated the XSD minLength=1).
  • Cleaner Ustrd — without redundant separators and empty segments.
  • Cleaner "EndToEndId" — better composition of the payment identifier; the 35-character limit (ISO 20022 Max35Text) is respected.

VS: Preserve special characters New

A new variable symbol mode, “Preserve special characters,” has been added for SEPA XML, which retains the original VS including letters, hyphens, and slashes. It is suitable for references from payment gateways and marketplace platforms (Stripe, PayPal, Allegro, Amazon) where the VS is not purely numeric.

For details, see the Variable Symbol Settings guide.

XSD Validation

The generated XML is fully compatible with the standard XSD schema camt.053.001.02. The schema is identical to the one used by POHODA to verify imported files.

Tip: If the accounting system rejects the XML file, try downloading it again—the XML is generated with the current version of the generator each time you download it.

Sending via email

SEPA XML files can be sent directly via email (e.g., to an accountant). All output formats—GPC and SEPA XML—are sent in the email.