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ISO 20022 bank transaction code

ACMT/MDOP/CHRG: Account charges

Charges on the account itself, not on a single payment: account maintenance, statement or package fees.

ACMT/MDOP/CHRG at a glance
DomainACMT Account Management
FamilyMDOP Miscellaneous Debit Operations
Sub-familyCHRG Charges
DirectionDebit (money out): CdtDbtInd DBIT
MT940 type with the same meaningNCHG Charges and other expenses

What ACMT/MDOP/CHRG means

A bank transaction code classifies an entry in three levels, each narrower than the last. Read together, ACMT/MDOP/CHRG reads Account Management › Miscellaneous Debit Operations › Charges.

  • ACMT (Account Management). Operations between the bank and the account owner on the account itself, such as fees, charges and interest.
  • MDOP (Miscellaneous Debit Operations). Debits that are not a payment to a third party, such as fees, charges or interest.
  • CHRG (Charges).

Where it sits in a camt.053

The code is in each entry’s BkTxCd/Domn block, the same way in camt.052, camt.053 and camt.054 and in every version from .001.02 to .001.13:

camt.053.001.08 · an entry
<Ntry>
  <Amt Ccy="EUR">1250.00</Amt>
  <CdtDbtInd>DBIT</CdtDbtInd>
  <Sts><Cd>BOOK</Cd></Sts>
  <BkTxCd>
    <Domn>
      <Cd>ACMT</Cd>
      <Fmly>
        <Cd>MDOP</Cd>
        <SubFmlyCd>CHRG</SubFmlyCd>
      </Fmly>
    </Domn>
  </BkTxCd>
  …
</Ntry>

Banks may add their own code in BkTxCd/Prtry, next to the ISO code or instead of it (a German bank’s three-digit business transaction code, for example). Prefer the ISO code for rules that should work across banks.

What the entry carries

Usually one entry per charging period, with the period or the fee type in AddtlNtryInf. Some banks book the same fees as PMNT/MDOP/CHRG or with FEES instead of CHRG.

In an MT940

An MT940 has no ISO code: each :61: statement line carries a three-letter transaction type after an identification letter. The one with the same meaning is NCHG (Charges and other expenses). It is coarser than the ISO code, so several ISO codes share it.

The MT940 Viewer converts MT940 to camt.053, and keeps the :61: type as a proprietary code (BkTxCd/Prtry, issuer SWIFT) rather than guessing an ISO code. All the types are in the MT940 transaction type codes.

Look up ACMT/MDOP/CHRG from a script or an AI agent

Scripts and AI agents get this code’s name, definition, where it sits and the address of this page from GET /api/v1/explain, keyless, or from the explain_code tool of the MCP server (API and MCP docs; add it to Claude, Cursor or VS Code).

REST · curl
curl -s 'https://iso20022-navigator.com/api/v1/explain?code=ACMT%2FMDOP%2FCHRG'