Free MT940 viewer & MT940 to camt.053 converter
Read any MT940, line by line.
SWIFT retired MT messages for cross-border payments in November 2025, and banks are moving statements from MT940 to camt.053. Open an MT940, MT942 or MT950 to see its balances, entries and :86: details decoded and checked, and convert it to camt.053 — in your browser, with nothing uploaded.
- Every :61: and :86: decoded
- Roll-forward & pages checked
- Converts to camt.053
Drag & drop an MT940 file hereOpen an MT940 file
Or click to browse. Reads .sta, .940, .mt940 and .txt: MT940, MT942 and MT950, with or without SWIFT blocks
More samples:
100% in-browser.
Your file never leaves this device.
Parsed on your device
JavaScript on this page reads the file. Nothing is uploaded, stored or transmitted.
No account, no cost
Every tool is free to use. No sign-up, no paywall, ever.
Open about usage
Our public analytics show exactly what we count — never what your files contain.
Anatomy of an MT940 entry
Tags, marks and subfields, decoded.
An MT940 is plain text: numbered tags (:61:, :86:) followed by values packed without separators. The viewer splits every value out, names it and checks it.
- Accounts & IDs
- Amounts
- Dates
- Names & text
- Codes
- Reserved
Lines 6–9 · one entry
A SEPA credit, subfield by subfield
- 1Value date
261028October 28, 2026, written YYMMDD: when the money starts to count for interest - 2Entry date
1028Booked on October 28. Only MMDD is written; the year comes from the value date - 3D/C mark
CCredit: money in. D is a debit; RC and RD reverse an earlier credit or debit - 4Amount
1190,001,190.00 EUR. A comma is the decimal mark and the amount is never signed - 5Transaction type
NTRFN + TRF: a transfer, from the SWIFT code list. S103 would mean “caused by an MT103” - 6References
AW-2026-0815 // COBA261028001The account owner’s reference, then the bank’s own reference after // - 7Remittance
SVWZ+RE 2026-0815 Kd 4711In the ?20–?29 lines, SEPA keywords: EREF+ end-to-end id, SVWZ+ the remittance text - 8Counterparty
Adventure Works GmbHThe payer: name in ?32, IBAN in ?31, BIC in ?30
A short MT940 primer
Twelve fields, one balance story.
An MT940 customer statement opens with a balance, lists the bookings (:61:, each optionally followed by :86:) and closes with a balance. MT942 reports the entries of the day so far; MT950 is the same layout as MT940 without :86:.
Fields of an MT940
| Tag | Field | Format |
|---|---|---|
| :20: | Transaction Reference Number | 16x |
| :21: | Related Reference (optional) | 16x |
| :25: | Account Identification | 35x |
| :28C: | Statement Number / Sequence Number | 5n[/5n] |
| :60F: | Opening Balance (first) | 1!a6!n3!a15d |
| :60M: | Opening Balance (intermediate) | 1!a6!n3!a15d |
| :61: | Statement Line (optional) | 6!n[4!n]2a[1!a]15d1!a3!c16x[//16x][34x] |
| :86: | Information to Account Owner (optional) | 6*65x |
| :62F: | Closing Balance (final) | 1!a6!n3!a15d |
| :62M: | Closing Balance (intermediate) | 1!a6!n3!a15d |
| :64: | Closing Available Balance (optional) | 1!a6!n3!a15d |
| :65: | Forward Available Balance (optional) | 1!a6!n3!a15d |
The :61: statement line, in order
- 6!n
- Value date — YYMMDD
- [4!n]
- Entry date — MMDD, optional
- 2a
- Debit/credit mark — C, D, RC or RD
- [1!a]
- Funds code — third letter of the currency, optional
- 15d
- Amount — comma decimal
- 1!a3!c
- Transaction type — N, S or F + three characters
- 16x
- Reference for the account owner — or NONREF
- [//16x]
- Bank reference — after //, optional
- [34x]
- Supplementary details — on the next line, optional
Commas, not points
Amounts are digits with one comma as the decimal mark:
1190,00, or500,for a whole amount. They are never signed — the D/C mark gives the direction.RC is a debit, RD a credit
C: credit; D: debit; RC: reversal of credit (a debit entry); RD: reversal of debit (a credit entry). The balance moves by the booking effect, so a reversal of a debit adds to it.
Statements span pages
A long statement is split over several messages:
:28C:numbers the pages, each page but the last closes with:62M:and the next opens with the same amount in:60M:.:86: is free text — mostly
Banks structure it by convention: German banks with
?00…?63subfields and SEPA keywords (EREF+,SVWZ+), Dutch and SWIFT-style with/NAME/,/REMI/. The viewer reads both.
From MT940 to camt.053
Every field has a place, almost.
The converter writes one camt.053.001.08 statement per MT940 statement and one booked entry per :61:, and invents nothing the MT940 does not say. The workspace lists the notes that apply to your file and the full mapping.
- :20:
- Stmt/Id
- :21:
- not mapped (noted)
- :25:
- Stmt/Acct/Id/IBAN or Othr/Id
- :28C:
- Stmt/ElctrncSeqNb, StmtPgntn/PgNb
- :60F:
- Bal with Tp OPBD
- :60M:
- Bal OPBD, sub-type INTM
- :61:
- Ntry
- :86:
- Ntry/AddtlNtryInf, RmtInf, RltdPties; or Stmt/AddtlStmtInf
- :62F:
- Bal with Tp CLBD
- :62M:
- Bal CLBD, sub-type INTM
- :64:
- Bal with Tp CLAV
- :65:
- Bal with Tp FWAV
The D/C mark becomes CdtDbtInd, with RvslInd for RC and RD. The :61: transaction type stays a proprietary bank transaction code: the MT codes are too coarse to map to ISO domain, family and sub-family reliably.
A structured :86: fills the counterparty (RltdPties), its bank, the remittance (RmtInf/Ustrd), the end-to-end id and the mandate id; the full text is kept in AddtlNtryInf. MT942 maps to camt.052, which the converter does not produce.
The full mapping table, every code list and the message family are in the ISO 20022 reference.
What it shows
From packed text to a readable statement.
Every view shares one selection: open an entry in the statement and “Show in raw” lands on its line, with each subfield explained in the inspector.
No. 01
Statements
Per message: account, BIC, references, statement and page numbers, every balance with intermediate pages marked, the roll-forward worked out, credits, debits and each entry with its counterparty and remittance.
No. 02
Entry detail
Open any entry for every :61: subfield, the D/C mark with its booking effect, the transaction type in words, and the :86: in full with each structured subfield named.
No. 03
camt.053 conversion
MT940 to camt.053.001.08 in one step: the notes that apply to your file, the field-by-field mapping, an XML preview, download, or open it straight in the camt viewer.
No. 04
Raw & validation
Every line with its subfields colour-coded and a field inspector; mandatory fields, lengths, decimals, dates, IBANs, the roll-forward and page chaining checked.
Related tools
More free tools for payment files.
The same private, in-browser approach for camt statements and payment initiation files — and an API and MCP server for agents.
camt.053 · camt.052 · camt.054
camt Statement Viewer
Bank statements and intraday reports per account: balances with their codes explained, every entry and its references, and the roll-forward checked.
.xml · .camt · .053
pain.001 · pain.008 · pain.002
Payment File Viewer
Credit transfer and direct debit files checked before they go to the bank: control totals, IBANs, BICs, decimals and SEPA rules. Status reports with every reason code explained.
.xml