CAMT.053 Converter for AccountantsFrom N26 CSV to standard-compliant accounting files
CAMT.053 converter for accountants: Camtly is a web application that automatically turns N26 bank statements into standards-compliant CAMT.053 XML (ISO 20022) – no manual rework, no spreadsheet detour, no format errors.
What the CAMT.053 Converter Solves
N26 is a popular direct bank among freelancers and small businesses, but it only exports statements as CSV. Most accounting software and DATEV-style interfaces instead expect the CAMT.053 format defined by the international ISO 20022 standard. Accountants and bookkeepers looking after clients with an N26 account used to close that gap by hand – copy-pasting, reformatting in a spreadsheet, or paying for one-off conversion tools. That’s exactly where the Camtly CAMT.053 converter comes in: upload the CSV, download the XML, done.
Why CAMT.053 (ISO 20022)?
CAMT.053 is part of the international ISO 20022 standard for payment transactions and is accepted by banks, accounting software, and tax authorities across Europe as a bank statement format. Unlike a CSV export, CAMT.053 is structured and standardized for machine readability: transaction amounts are clearly identified as debit (DBIT) or credit (CRDT), IBAN, BIC, and payment references are assigned to fixed fields, and the file can be imported into virtually any modern accounting software without room for interpretation. A CAMT.053 converter like Camtly performs exactly this translation between what the bank provides and what the accounting system requires.
How Camtly Works
The workflow is deliberately reduced to three steps: upload a statement, pick or create a client account with IBAN, BIC and name, and download the finished CAMT.053 XML. Multiple files can be processed at once and are automatically bundled into a ZIP archive – handy for accountants converting for several clients in one sitting. Client accounts, once created, stay saved and can be selected again with a single click next time, IBAN and BIC pre-filled automatically. Every conversion is also verified against the source data: transaction counts and totals are cross-checked before the file is offered for download, so errors surface before they ever reach the books.
Who is Camtly for?
Camtly is built primarily for accountants and bookkeeping firms managing several clients with N26 business accounts – but also for freelancers and small businesses who want to feed their own N26 statements straight into their accounting software without a spreadsheet detour. Account management is deliberately open-ended: a user can create as many client accounts as needed, each with its own name, IBAN and BIC, and switch between them in the converter with one click instead of retyping details every time. For firms with a growing client list, that adds up to real time saved.
Technical Implementation
Camtly is built as a bilingual, German and English, Flask web application with login-protected access, user management in an admin area, and full hosting on an EU server at Hetzner – important given the sensitive client account data it processes. Security was considered from day one: hashed passwords, CSRF protection, encrypted HTTPS connections and an email-based password reset flow. Much like with iPROT, another purpose-built application developed from scratch, the real challenge wasn’t the format conversion itself but building a tool that fits into a firm’s daily workflow instead of complicating it.
Design Approach
Visually, Camtly follows the same principle as most projects here: as little as possible, as clear as necessary. A calm, light interface with clear typography, a restrained amber accent, and forms that show exactly what’s needed in the moment – no cluttered dashboards, no unnecessary clicks. The two-tone Camtly wordmark, “Camt” in dark grey and “ly” in amber, recurs as a consistent element across the landing page, login and app.
Outlook
Camtly is under continuous development: a pricing model based on the number of active client accounts rather than the number of conversions is in the works, along with payment integration, a fair-use check against abuse, and eventually support for bank export formats beyond N26. The CAMT.053 converter is less a finished product than a tool that keeps growing close to the real needs of accountants and their clients – shaped by practice rather than drawn up on a whiteboard.
Interested in a similar professional application for your business? Get in touch.
