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ISO 20022 bank transaction code

CAMT/ACCB/ZABA: Zero balancing

Zero balancing: each day the bank empties or fills the account to zero against a main account at the same bank.

CAMT/ACCB/ZABA at a glance
DomainCAMT Cash Management
FamilyACCB Account Balancing
Sub-familyZABA Zero Balancing
DirectionEither: a debit on one account and a credit on the other
MT940 type with the same meaningNCMZ Cash management item — zero balancing

What CAMT/ACCB/ZABA means

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

  • 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.
  • ZABA (Zero Balancing).

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>ZABA</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

A credit balance moves to the main account (a debit here) and an overdraft is covered from it (a credit here), so the account closes the day at zero. The matching entry is on the main account’s statement.

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 NCMZ (Cash management item — zero balancing). 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/ZABA 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%2FZABA'