Transaction Notification
Transaction Notification (Debit-Credit Notification) service description
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Transaction Notification (Debit-Credit Notification) service description
Last updated
Was this helpful?
Transaction Notification or Debit-Credit Notification messages are created automatically for every incoming or outgoing transaction on the account. This includes Account to Account Payments as well as other types of transactions, such as fee or interest payments.
The ISO 20022 Bank To Customer Debit Credit Notification camt.054.001.02 standard is used - content and format is very similar to Account Statement camt.053.001.02.
Response message is created and can be requests by the Messages services - Messages Services
Message root
[1..1]
MessageRoot
<BkToCstmrDbtCdtNtfctn>
Group header
[1..1]
+GroupHeader
<GrpHdr>
[1..1]
++MessageIdentification
<MsgId>
Unique message identifier generated by LHV.
[1..1]
++CreationDateTime
<CreDtTm>
Date and time when the notification message is created at LHV.
[1..n]
+Notification
<Ntfctn>
[1..1]
++Identification
<Id>
Unique notification identifier generated by LHV.
[1..1]
++CreationDateTime
<CreDtTm>
Date and time when the notification is created at LHV.
[1..1]
++Account
<Acct>
[1..1]
+++ Identification
<Id>
[1..1]
++++IBAN
<IBAN>
IBAN for which this notification block is generated. When using Virtual/Agency account services - the master account IBAN is used here, and Virtual/Agency account in debitor and creditor blocks.
[1..1]
+++Currency
<Ccy>
Currency for which this notification block is generated.
[0..1]
+++Owner
<Ownr>
Account owner information.
[1..1]
++++Name
<Nm>
Account owner name.
[1..1]
++++Identification
<Id>
Legal customer registry code or private customer personal code.
[1..1]
{Or
+++++OrganisationIdentification
<OrgId>
[1..1]
++++++Other
<Othr>
[1..1]
+++++++Identification
<Id>
Legal customer registry code.
[1..1]
Or}
+++++PrivateIdentification
<PrvtId>
[1..1]
++++++Other
<Othr>
[1..1]
+++++++Identification
<Id>
Private customer personal code.
[1..1]
+++Servicer
<Svcr>
[1..1]
++++FinInstnId
[0..1]
+++++BIC
<BIC>
LHV Bank BIC
[0..1]
+++++Name
<Nm>
LHV BANK LIMITED
[0..1]
+++++PostalAddress
<PstlAdr>
LHV Bank address.
[1..1]
++Entry
<Ntry>
Transaction level entry.
[0..1]
+++NtryRef
<NtryRef>
Entry Reference Identifier.
[1..1]
+++Amount
<Amt Ccy="AAA">
Transaction amount (may be zero).
[1..1]
+++CreditDebitIndicator
<CdtDbtInd>
[0..1]
+++ReversalIndicator
<RvslInd>
When set to True, then corresponding entry is a reversal of a previously booked entry.
[1..1]
+++Status
<Sts>
BOOK.
[1..1]
+++BookingDate
<BookgDt>
[1..1]
++++Date
<Dt>
Transaction date.
[1..1]
+++ValueDate
<ValDt>
[1..1]
++++DateTime
<DtTm>
Transaction date with time and offset.
[1..1]
+++AccountServicerReference
<AcctSvcrRef>
Unique payment ID assigned by the bank.
[1..1]
+++BankTransactionCode
<BkTxCd>
[1..1]
++++Domain
<Domn>
[1..1]
+++++Code
<Cd>
[1..1]
+++++Family
<Fmly>
[1..1]
++++++Code
<Cd>
[1..1]
++++++SubFamilyCode
<SubFmlyCd>
[0..1]
++++Proprietary
<Prtry>
[1..1]
+++++Code
<Cd>
[1..n]
+++EntryDetails
<NtryDtls>
[1..n]
++++TransactionDetails
<TxDtls>
[1..1]
+++++References
<Refs>
[0..1]
++++++AccountServicerReference
<AcctSvcrRef>
Unique payment ID assigned by the bank.
[0..1]
++++++PaymentInformationIdentification
<PmtInfId>
[0..1]
++++++InstructionIdentification
<InstrId>
Payment order number.
[0..1]
++++++EndToEndIdentification
<EndToEndId>
[1..1]
+++++AmountDetails
<AmtDtls>
[1..1]
++++++InstructedAmount
<InstdAmt>
[1..1]
+++++++Amount
<Amt Ccy="AAA">
Transaction amount (may be zero).
[0..1]
+++++RelatedParties
<RltdPties>
[0..1]
++++++Debtor
<Dbtr>
Block is included for: credit transactions; debit transactions for Virtual/Agency account master account
[0..1]
+++++++Name
<Nm>
Remitter’s name.
[0..1]
+++++++PostalAddress
<PstlAdr>
[0..1]
++++++++Country
<Ctry>
Remitter’s country ISO code.
[0..7]
++++++++AddressLine
<AdrLine>
Remitter’s address.
[0..1]
+++++++Identification
<Id>
[1..1]
{Or
++++++++OrganisationIdentification
<OrgId>
[0..1]
{{Or
+++++++++BICOrBEI
<BICOrBEI>
Remitter’s BIC or BEI.
[0..n]
Or}}
+++++++++Other
<Othr>
[1..1]
++++++++++Identification
<Id>
Remitter’s identification.
[0..1]
++++++++++Issuer
<Issr>
[1..1]
Or}
++++++++PrivateIdentification
<PrvtId>
[0..1]
+++++++++DateAndPlaceOfBirth
<DtAndPlcOfBirth>
[1..1]
++++++++++BirthDate
<BirthDt>
[1..1]
++++++++++CityOfBirth
<CityOfBirth>
[1..1]
++++++++++CountryOfBirth
<CtryOfBirth>
[0..n]
+++++++++Other
<Othr>
[1..1]
++++++++++Identification
<Id>
Remitter’s personal code.
[0..1]
++++++++++SchemeName
<SchmeNm>
[1..1]
+++++++++++Code
<Cd>
[0..1]
++++++DebtorAccount
<DbtrAcct>
Block is included for: credit transactions; debit transactions for Virtual/Agency account master account
+++++++Identification
<Id>
[1..1]
{Or
++++++++IBAN
<IBAN>
Remitter’s IBAN for credit transaction and Virtual/Agency account for debit transactions.
[1..1]
Or}
++++++++Other
<Othr>
[1..1]
+++++++++Identification
<Id>
Remitter’s bank account number which is not IBAN. For Faster Payments (incoming): UK sort code + account nr (14 characters)
[0..1]
++++++UltimateDebtor
<UltmtDbtr>
[0..1]
+++++++Name
<Nm>
Ultimate remitter’s name.
[0..1]
+++++++Identification
<Id>
[0..7]
{Or
++++++++OrganisationIdentification
<OrgId>
[0..1]
{{Or
+++++++++BICOrBEI
<BICOrBEI>
Ultimate remitter’s BIC or BEI.
[1..1]
Or}}
+++++++++Other
<Othr>
[0..1]
++++++++++Identification
<Id>
Ultimate remitter’s identification.
[1..1]
Or}
++++++++PrivateIdentification
<PrvtId>
[1..1]
+++++++++DateAndPlaceOfBirth
<DtAndPlcOfBirth>
[0..1]
++++++++++BirthDate
<BirthDt>
Ultimate remitter’s birth date.
[1..1]
++++++++++CityOfBirth
<CityOfBirth>
Ultimate remitter’s city of birth.
[0..1]
++++++++++CountryOfBirth
<CtryOfBirth>
Ultimate remitter’s country of birth.
[1..1]
+++++++++Other
<Othr>
[1..1]
++++++++++Identification
<Id>
Ultlimate remitter’s identification.
[0..1]
++++++++++SchemeName
<SchmeNm>
[1..1]
+++++++++++Code
<Cd>
[0..1]
++++++Creditor
<Cdtr>
Block is included for: debit transactions; credit transactions for Virtual/Agency account master account
[0..1]
+++++++Name
<Nm>
Creditor’s name.
[0..1]
+++++++PostalAddress
<PstlAdr>
[0..1]
++++++++Country
<Ctry>
Remitter’s country ISO code.
[0..7]
++++++++AddressLine
<AdrLine>
Remitter’s address.
[0..1]
+++++++Identification
<Id>
[0..7]
{Or
++++++++OrganisationIdentification
<OrgId>
[0..1]
{{Or
+++++++++BICOrBEI
<BICOrBEI>
Creditor’s BIC or BEI.
[1..1]
Or}}
+++++++++Other
<Othr>
[0..1]
++++++++++Identification
<Id>
Creditor’s identification.
[1..1]
Or}
++++++++PrivateIdentification
<PrvtId>
[1..1]
+++++++++DateAndPlaceOfBirth
<DtAndPlcOfBirth>
[0..1]
++++++++++BirthDate
<BirthDt>
Creditor’s birth date.
[1..1]
++++++++++CityOfBirth
<CityOfBirth>
Creditor’s city of birth.
[0..1]
++++++++++CountryOfBirth
<CtryOfBirth>
Creditor’s country of birth.
[1..1]
+++++++++Other
<Othr>
[1..1]
++++++++++Identification
<Id>
Creditor’s identification.
[0..1]
++++++++++SchemeName
<SchmeNm>
[1..1]
+++++++++++Code
<Cd>
[1..1]
++++++CreditorAccount
<CdtrAcct>
Block is included for: debit transactions; credit transactions for Virtual/Agency account master account
[1..1]
+++++++Identification
<Id>
[1..1]
{Or
++++++++IBAN
<IBAN>
Creditor’s IBAN for debit transaction and Virtual/Agency account for credit transactions. UK Faster Payments - used when also payment request contained IBAN.
[1..1]
Or}
++++++++Other
<Othr>
[1..1]
+++++++++Identification
<Id>
Creditor’s account number which is not IBAN. UK Faster Payments (outgoing) - when also payment request contained sort code + domestic account nr. For Faster Payments (incoming): UK sort code + account nr (14 characters)
[0..1]
++++++UltimateCreditor
<UltmtCdtr>
[0..1]
+++++++Name
<Nm>
Ultimate creditor’s name.
[0..1]
+++++++Identification
<Id>
[0..7]
{Or
++++++++OrganisationIdentification
<OrgId>
[0..1]
{{Or
+++++++++BICOrBEI
<BICOrBEI>
Ultimate creditor’s BIC or BEI.
[1..1]
Or}}
+++++++++Other
<Othr>
[0..1]
++++++++++Identification
<Id>
Ultimate creditor’s identification.
[1..1]
Or}
++++++++PrivateIdentification
<PrvtId>
[1..1]
+++++++++DateAndPlaceOfBirth
<DtAndPlcOfBirth>
[0..1]
++++++++++BirthDate
<BirthDt>
Ultimate creditor’s birth date.
[1..1]
++++++++++CityOfBirth
<CityOfBirth>
Ultimate creditor’s city of birth.
[0..1]
++++++++++CountryOfBirth
<CtryOfBirth>
Ultimate creditor’s country of birth.
[1..1]
+++++++++Other
<Othr>
[1..1]
++++++++++Identification
<Id>
Ultimate creditor’s identification.
[0..1]
++++++++++SchemeName
<SchmeNm>
[1..1]
+++++++++++Code
<Cd>
[0..1]
+++++RelatedAgents
<RltdAgts>
[0..1]
++++++DebtorAgent
<DbtrAgt>
[1..1]
+++++++FinancialInstitutionIdentification
<FinInstnId>
[0..1]
++++++++BIC
<BIC>
BIC of the remitter’s bank.
[0..1]
++++++++Name
<Nm>
Name of the remitter’s bank.
[0..1]
++++++CreditorAgent
<CdtrAgt>
[1..1]
+++++++FinancialInstitutionIdentification
<FinInstnId>
[0..1]
++++++++BIC
<BIC>
BIC of the creditor’s bank.
[0..1]
++++++++Name
<Nm>
Name of the creditor’s bank.
[0..1]
+++++Purpose
<Purp>
[1..1]
{Or
++++++Code
<Cd>
[1..1]
Or}
++++++Proprietary
<Prtry>
[0..1]
+++++RemittanceInformation
<RmtInf>
[0..n]
++++++Unstructured
<Ustrd>
Payment description.
[0..n]
++++++Structured
<Strd>
[0..1]
+++++++CreditorReferenceInformation
<CdtrRefInf>
[0..1]
++++++++Type
<Tp>
[1..1]
+++++++++CodeOrProprietary
<CdOrPrtry>
[1..1]
{Or
++++++++++Code
<Cd>
SCOR
[1..1]
Or}
++++++++++Proprietary
<Prtry>
[0..1]
+++++++++Issuer
<Issr>
[0..1]
++++++++Reference
<Ref>
Payment reference number.
[0..1]
+++++ReturnInformation
<RtrInf>
Return information. Element is present when RvslInd is True. Provides details about the return, including the reason code (if available) and original payment reference.
[0..1]
++++++Reason
<Rsn>
[1..1]
{Or
+++++++Code
<Cd>
NARR if AdditionalInformation is present.
[1..1]
Or}
+++++++Proprietary
<Prtry>
[0..n]
++++++AdditionalInformation
<AddtlInf>
[0..n]
++++++AdditionalInformation
<AddtlInf>
Contains original payment Account Servicer Reference.
The value follows the format ORIG:{reference}, for example: ORIG:C9512AB4B85A4410A73BA8E94DDED3A9.
Example of outgoing payment
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.054.001.02">
<BkToCstmrDbtCdtNtfctn>
<GrpHdr>
<MsgId>MSGID-20250605-0001</MsgId>
<CreDtTm>2025-06-05T07:54:29.073+01:00</CreDtTm>
</GrpHdr>
<Ntfctn>
<Id>NTFCTNID-20250605-GBP</Id>
<CreDtTm>2025-06-05T07:54:29.073+01:00</CreDtTm>
<Acct>
<Id>
<IBAN>GB12LHVB04031000000682</IBAN>
</Id>
<Ccy>GBP</Ccy>
<Ownr>
<Nm>Connect Demo Customer 1</Nm>
<Id>
<OrgId>
<Othr>
<Id>ORGID-20250605</Id>
</Othr>
</OrgId>
</Id>
</Ownr>
<Svcr>
<FinInstnId>
<BIC>LHVBGB2L</BIC>
<Nm>LHV BANK LIMITED</Nm>
<PstlAdr>
<AdrTp>BIZZ</AdrTp>
<StrtNm>Angel Court</StrtNm>
<BldgNb>1</BldgNb>
<PstCd>EC2R 7HJ</PstCd>
<TwnNm>London</TwnNm>
<Ctry>GB</Ctry>
</PstlAdr>
</FinInstnId>
</Svcr>
</Acct>
<Ntry>
<NtryRef>1</NtryRef>
<Amt Ccy="GBP">1.00</Amt>
<CdtDbtInd>DBIT</CdtDbtInd>
<RvslInd>false</RvslInd>
<Sts>BOOK</Sts>
<BookgDt>
<Dt>2025-06-05</Dt>
</BookgDt>
<ValDt>
<DtTm>2025-06-05T07:54:28.720+01:00</DtTm>
</ValDt>
<AcctSvcrRef>68F9D8CD77AE4F91869EFCAB0F63DED6</AcctSvcrRef>
<BkTxCd>
<Domn>
<Cd>PMNT</Cd>
<Fmly>
<Cd>ICDT</Cd>
<SubFmlyCd>OTHR</SubFmlyCd>
</Fmly>
</Domn>
<Prtry>
<Cd>INTERNAL</Cd>
</Prtry>
</BkTxCd>
<NtryDtls>
<TxDtls>
<Refs>
<AcctSvcrRef>68F9D8CD77AE4F91869EFCAB0F63DED6</AcctSvcrRef>
<InstrId>INSTRID-20250605-001</InstrId>
</Refs>
<AmtDtls>
<InstdAmt>
<Amt Ccy="GBP">1.00</Amt>
</InstdAmt>
<TxAmt>
<Amt Ccy="GBP">1.00</Amt>
</TxAmt>
</AmtDtls>
<RltdPties>
<Dbtr>
<Id>
<OrgId>
<Othr>
<Id>ORGID-20250605</Id>
<SchmeNm>
<Cd>COID</Cd>
</SchmeNm>
</Othr>
</OrgId>
</Id>
</Dbtr>
<Cdtr>
<Nm>John Smith</Nm>
</Cdtr>
<CdtrAcct>
<Id>
<IBAN>GB12LHVB04031700000986</IBAN>
</Id>
</CdtrAcct>
</RltdPties>
<RltdAgts>
<CdtrAgt>
<FinInstnId>
<BIC>LHVBGB2LXXX</BIC>
<Nm>LHV BANK LIMITED</Nm>
</FinInstnId>
</CdtrAgt>
</RltdAgts>
<RmtInf>
<Ustrd>Payment Description</Ustrd>
</RmtInf>
</TxDtls>
</NtryDtls>
</Ntry>
</Ntfctn>
</BkToCstmrDbtCdtNtfctn>
</Document>Service specific errors
errStatement_NoAccess
No access to the account.
errStatement_PeriodLong
Period is too long.
errStatement_PeriodInvalid
From date cannot be later than to date.
errStatement_RequestInvalid
Request message fails xsd validation.
See Zero amount is considered a credit amount.
See the codes in
See the codes in
See the codes in
Payment scheme code, see codes in
Unique identification assigned by a sending party. For outgoing payment, reference to the original message value PmtInf.PmtInfId.
See the supported values in
See the supported values in
See the supported values in
See the supported values in
See the codes in
Contains return reason code. The value is a scheme-specific code, see codes in