What is the latest version of camt.004?

The latest version in the ISO 20022 e-Repository release of 24 April 2025 is camt.004.001.10.

What is the root element of camt.004?

The XML document is Document with the namespace urn:iso:std:iso:20022:tech:xsd:camt.004.001.10, and its message element is RtrAcct (ReturnAccount).

Is there an MT equivalent of camt.004?

No Swift MT message is listed as its direct equivalent on this site. Many ISO 20022 messages have no MT counterpart.

camt: Cash Management

camt.004 Return Account

Written and maintained by ZagTrader. Last reviewed 21 October 2026. How this page is sourced and checked

camt.004 is the ISO 20022 ReturnAccount message in the Cash Management business area (camt). The latest version is camt.004.001.10, and 3 versions are in the repository.

Message: ReturnAccount
Latest version: camt.004.001.10
Submitting organisation: Swift
MT equivalent: None listed

In use: published in the current ISO 20022 catalogue.

What camt.004 is for

The ReturnAccount message is sent by the transaction administrator to a member.
It is used to provide information on the details of one or more accounts held at the transaction administrator, including information on the balances.
The Return Account message can be sent as a response to a related GetAccount message (pull mode) or initiated by the transaction administrator (push mode). The push of information can take place either at prearranged times or as a warning or alarm when a problem has occurred.
At any time during the operating hours of the system, the member can query the transaction administrator to get information about the account(s) that the transaction administrator maintains for the member.
For example, this may be necessary in order to perform the appropriate liquidity management and the necessary funds transfers between accounts.
The member can request information about accounts through a series of criteria, corresponding to the known information stored at the transaction administrator.
The query can concern one or more specific accounts, accounts of a particular identification, or a particular type. The purpose of the query may be to obtain one or more types of balance.
The transaction administrator may also send a ReturnAccount message with pre-defined information, at times previously agreed with the member, or to warn the member about a particular problem that may have arisen and which needs attention.
The message from the transaction administrator can contain information based on the following elements:
- account identification
- account name
- account type (this is used when the account identification represents, for example, a group of accounts)
- currency of the account (this is used for example when the account identification represents a group of account in various currencies, or when it is a multi-currency account with one single identifier)

Definition from the ISO 20022 e-Repository, release of 24 April 2025.

camt.004 versions

Every version published in the e-Repository, newest first. A message keeps its business purpose across versions; each new version is a separate schema with its own namespace.

Version	Registration status	Published in
camt.004.001.10latest	Registered	Latest version set
camt.004.001.09	Registered	Previous version set
camt.004.001.08	Registered	Archive

camt.004 message structure

The building blocks of camt.004.001.10 to three levels, with multiplicity ([0..1] optional, [1..1] mandatory, * any number) and the data type or component. Element names and definitions are from the ISO 20022 repository; usage guidelines such as CBPR+ or a market infrastructure's rules can restrict them further.

Document [1..1]
- RtrAcct ReturnAccount [1..1]
  - MsgHdr Message Header [1..1]MessageHeader7
    Common business identification for the message.
    - MsgId Message Identification [1..1]Max35Text
      Point to point reference, as assigned by the sender, to unambiguously identify the message.
    - CreDtTm Creation Date Time [0..1]ISODateTime
      Date and time at which the message was created.
    - ReqTp Request Type [0..1]RequestType4Choice (choice)
      Specific actions to be executed through the request.
      - PmtCtrl Payment Control [1..1]ExternalPaymentControlRequestType1Code
      - Enqry Enquiry [1..1]ExternalEnquiryRequestType1Code
      - Prtry Proprietary [1..1]GenericIdentification1
    - OrgnlBizQry Original Business Query [0..1]OriginalBusinessQuery1
      Unique identification of the original query message.
      - MsgId Message Identification [1..1]Max35Text
      - MsgNmId Message Name Identification [0..1]Max35Text
      - CreDtTm Creation Date Time [0..1]ISODateTime
    - QryNm Query Name [0..1]Max35Text
      Recalls the criteria (search and return criteria) defined in a preceding query.
  - RptOrErr Report Or Error [1..1]AccountOrOperationalError6Choice (choice)
    Reports on accounts.
    - AcctRpt Account Report [1..*]AccountReport35
      Reports either on the account information or on a business error.
      - AcctId Account Identification [1..1]AccountIdentification4Choice (choice)
      - AcctOrErr Account Or Error [1..1]AccountOrBusinessError6Choice (choice)
    - OprlErr Operational Error [1..*]ErrorHandling5
      Indicates that an operational error has been issued during the processing of the related request.
      - Err Error [1..1]ErrorHandling3Choice (choice)
      - Desc Description [0..1]Max140Text
  - SplmtryData Supplementary Data [0..*]SupplementaryData1
    Additional information that cannot be captured in the structured elements and/or any other specific block.
    - PlcAndNm Place And Name [0..1]Max350Text
      Unambiguous reference to the location where the supplementary data must be inserted in the message instance.
    - Envlp Envelope [1..1]SupplementaryDataEnvelope1
      Technical element wrapping the supplementary data.

Have a camt.004 message? Paste it into the parser to see every element with its name and definition, and format checks on BICs, IBANs, dates and amounts.

External code sets used in camt.004

These elements take their values from ISO 20022 external code sets, which are published separately and updated every quarter without a new message version.

camt.004 questions

What is the latest version of camt.004?: The latest version in the ISO 20022 e-Repository release of 24 April 2025 is camt.004.001.10.
What is the root element of camt.004?: The XML document is Document with the namespace urn:iso:std:iso:20022:tech:xsd:camt.004.001.10, and its message element is RtrAcct (ReturnAccount).
Is there an MT equivalent of camt.004?: No Swift MT message is listed as its direct equivalent on this site. Many ISO 20022 messages have no MT counterpart.

All ISO 20022 messages · ISO 20022 code sets · MT messages

The ISO 20022 message definitions, element names and definitions on this page are reproduced from material published at iso20022.org under the ISO 20022 Intellectual Property Rights policy. This is not the official source: the up-to-date ISO 20022 standards and repository material are published only at iso20022.org. Explanations in our own words are by ZagTrader. ZagTrader is not affiliated with or endorsed by ISO or Swift.