What is the latest version of camt.105?

The latest version in the ISO 20022 e-Repository release of 24 April 2025 is camt.105.001.03.

What is the root element of camt.105?

The XML document is Document with the namespace urn:iso:std:iso:20022:tech:xsd:camt.105.001.03, and its message element is ChrgsPmtNtfctn (ChargesPaymentNotification).

Is there an MT equivalent of camt.105?

Yes. camt.105 does the same business job as MT190. Field-level translation has gaps in both directions.

camt: Cash Management

camt.105 Charges Payment Notification

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

camt.105 is the ISO 20022 ChargesPaymentNotification message in the Cash Management business area (camt). The latest version is camt.105.001.03, and 3 versions are in the repository.

Message: ChargesPaymentNotification
Latest version: camt.105.001.03
Submitting organisation: Swift
MT equivalent: MT190

In use: published in the current ISO 20022 catalogue.

What camt.105 is for

The ChargesPaymentNotification message is sent by the account servicing institution to the account owner to advise charges, interest or other adjustments to the owner's account. It provides details of charges which were previously unknown to the Receiver.

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

camt.105 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.105.001.03latest	Registered	Latest version set
camt.105.001.02	Registered	Previous version set
camt.105.001.01	Registered	Archive

camt.105 message structure

The building blocks of camt.105.001.03 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]
- ChrgsPmtNtfctn ChargesPaymentNotification [1..1]
  - GrpHdr Group Header [1..1]GroupHeader126
    Unique identification of the charges message.
    - MsgId Message Identification [1..1]Max35Text
      Point to point reference, as assigned by the instructing party, and sent to the next party in the chain to unambiguously identify the message.
    - CreDtTm Creation Date Time [1..1]ISODateTime
      Date and time at which the message was created.
    - ChrgsRqstr Charges Requestor [0..1]BranchAndFinancialInstitutionIdentification8
      Agent that requests the charges, if other than the sender.
      - FinInstnId Financial Institution Identification [1..1]FinancialInstitutionIdentification23
      - BrnchId Branch Identification [0..1]BranchData5
    - TtlChrgs Total Charges [0..1]TotalCharges7
      Total charges claimed through this message.
      - NbOfChrgsRcrds Number Of Charges Records [1..1]Max15NumericText
      - CtrlSum Control Sum [0..1]DecimalNumber
      - TtlChrgsAmt Total Charges Amount [0..1]ActiveCurrencyAndAmount
      - CdtDbtInd Credit Debit Indicator [0..1]CreditDebitCode
    - ChrgsAcct Charges Account [0..1]CashAccount40
      Identifies the account that has been debited or credited for the charges, interest or other adjustment(s).
      - Id Identification [0..1]AccountIdentification4Choice (choice)
      - Tp Type [0..1]CashAccountType2Choice (choice)
      - Ccy Currency [0..1]ActiveOrHistoricCurrencyCode
      - Nm Name [0..1]Max70Text
      - Prxy Proxy [0..1]ProxyAccountIdentification1
    - ChrgsAcctOwnr Charges Account Owner [0..1]BranchAndFinancialInstitutionIdentification8
      Agent that owns the charges account.
      - FinInstnId Financial Institution Identification [1..1]FinancialInstitutionIdentification23
      - BrnchId Branch Identification [0..1]BranchData5
  - Chrgs Charges [1..1]Charges5Choice (choice)
    Provides information on the charges to be paid by the charge bearer(s) related to the processing of the underlying transaction.
    - Sngl Single [1..1]ChargesRecord11
      Charges related to a single payment transaction.
      - ChrgsId Charges Identification [0..1]Max35Text
      - RcrdId Record Identification [0..1]Max35Text
      - ChrgsRqstr Charges Requestor [0..1]BranchAndFinancialInstitutionIdentification8
      - UndrlygTx Underlying Transaction [1..1]TransactionReferences7
      - Amt Amount [1..1]ActiveCurrencyAndAmount
      - CdtDbtInd Credit Debit Indicator [0..1]CreditDebitCode
      - ValDt Value Date [0..1]DateAndDateTime2Choice (choice)
      - Dbtr Debtor [0..1]PartyIdentification272
      - DbtrAcct Debtor Account [0..1]CashAccount40
      - DbtrAgt Debtor Agent [0..1]BranchAndFinancialInstitutionIdentification8
      - DbtrAgtAcct Debtor Agent Account [0..1]CashAccount40
      - ChrgsAcct Charges Account [0..1]CashAccount40
      - ChrgsAcctOwnr Charges Account Owner [0..1]BranchAndFinancialInstitutionIdentification8
      - Tp Type [0..1]ChargeType3Choice (choice)
      - InstrForInstdAgt Instruction For Instructed Agent [0..1]InstructionForInstructedAgent1
      - AddtlInf Additional Information [0..1]Max140Text
    - PerTx Per Transaction [1..1]ChargesPerTransaction5
      Charges broken down per payment transaction.
      - ChrgsId Charges Identification [0..1]Max35Text
      - TtlChrgsPerTx Total Charges Per Transaction [0..1]TotalCharges7
      - ChrgsAcct Charges Account [0..1]CashAccount40
      - ChrgsAcctOwnr Charges Account Owner [0..1]BranchAndFinancialInstitutionIdentification8
      - Rcrd Record [1..*]ChargesPerTransactionRecord5
      - AddtlInf Additional Information [0..1]Max140Text
    - PerTp Per Type [1..*]ChargesPerType5
      Charges broken down per type of charges.
      - ChrgsId Charges Identification [0..1]Max35Text
      - TtlChrgsPerChrgTp Total Charges Per Charge Type [0..1]TotalCharges7
      - ChrgsAcct Charges Account [0..1]CashAccount40
      - ChrgsAcctOwnr Charges Account Owner [0..1]BranchAndFinancialInstitutionIdentification8
      - Tp Type [1..1]ChargeType3Choice (choice)
      - Rcrd Record [1..*]ChargesPerTypeRecord5
      - AddtlInf Additional Information [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.105 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.105

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.105 questions

What is the latest version of camt.105?: The latest version in the ISO 20022 e-Repository release of 24 April 2025 is camt.105.001.03.
What is the root element of camt.105?: The XML document is Document with the namespace urn:iso:std:iso:20022:tech:xsd:camt.105.001.03, and its message element is ChrgsPmtNtfctn (ChargesPaymentNotification).
Is there an MT equivalent of camt.105?: Yes. camt.105 does the same business job as MT190. Field-level translation has gaps in both directions.

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.