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ISO 20022 bank transaction code

CAMT/ACCB/TOPG: Topping

Topping: the bank brings the account’s balance up to an agreed floor, moving funds in from another account.

CAMT/ACCB/TOPG at a glance
DomainCAMT Cash Management
FamilyACCB Account Balancing
Sub-familyTOPG Topping
DirectionEither: a debit on one account and a credit on the other
MT940 type with the same meaningNCMT Cash management item — topping

What CAMT/ACCB/TOPG means

A bank transaction code classifies an entry in three levels, each narrower than the last. Read together, CAMT/ACCB/TOPG reads Cash Management › Account Balancing › Topping.

  • CAMT (Cash Management). Moves between your own accounts to concentrate or balance cash, such as sweeping, zero balancing and topping.
  • ACCB (Account Balancing). Automated moves that set an account’s balance to an agreed level.
  • TOPG (Topping).

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>CAMT</Cd>
      <Fmly>
        <Cd>ACCB</Cd>
        <SubFmlyCd>TOPG</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 a credit here and a debit on the funding account. As with sweeps, the bank books it under the cash management agreement.

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 NCMT (Cash management item — topping). 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 CAMT/ACCB/TOPG 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=CAMT%2FACCB%2FTOPG'