CAMT Support in KMyMoney

[Jan Ritzerfeld]

Am Donnerstag, 23. Januar 2025, 08:26:25 CET schrieb Thomas Baumgart via 
KMyMoney:
> On Sonntag, 12. Januar 2025 16:48:49 CET Jan Ritzerfeld via KMyMoney wrote:
> > Hi all,
> > 
> > I've been a happy user of KMyMoney for 16 years--thank you for providing
> > such a reliable tool! However, I’ve encountered challenges related to
> > transaction details that I’d like to share.
> > 
> > I currently use FinTS (Sparkasse in Rhineland) with SWIFT (MT940) for my
> > transactions. Since my wife and I share a joint account, I often need to
> > determine who initiated certain transactions, such as direct debits.
> > Unfortunately, this information isn’t available in MT940 raw data, so I
> > couldn't expect KMyMoney to show it either. However, since October 2018,
> > the MREF field in the Memo section has helped me attribute some direct
> > debits, which has been invaluable for resolving ambiguities.
> > 
> > Recently, my bank introduced the Kundensystem-ID check, requiring me to
> > update AqBanking. During this process, I discovered that CAMT is now
> > supported and offers significantly more structured and detailed
> > information than MT940. AqBanking, for example, imports:
> > "NtryDtls/TxDtls/RltdPties/Dbtr/Nm" or
> > "NtryDtls/TxDtls/RltdPties/Cdtr/Nm" as "localName".
> > 
> > Unfortunately, KMyMoney does not seem to import or display this field when
> > switching to CAMT. Worse, the previously helpful MREF details no longer
> > appear in the Memo field. As a result, I cannot determine who (my wife or
> > me) triggered certain transactions.
> 
> How would one go about switching to CAMT? How do I find out, if my bank
> supports it? Maybe dumb questions, but I have not looked into the topic
> at all.

In this (unrelated) screenshot of the KMyMoneys AqBanking Edit Account dialog 
there is the option "Prefer Statement Download as CAMT":
https://discuss.kde.org/t/kmymoney-create-a-bank-withdrawal-to-send-money-to-iban-account/4287/5

And I've found some AqBanking online documentation:
| ungesetzt: beim Umsatzabruf wird das veraltete MT90 verwendet
| gesetzt: beim Umsatzabruf wird eine zeitgemäße xml Datei angefordert
https://www.aquamaniac.de/rdm/projects/aqbanking/wiki/Account-flags#preferCamtDownload

For Sparkassen and Volksbanken, in the best practice section of the changes 
needed for PSD2 some years ago, CAMT is enabled:
https://www.aquamaniac.de/rdm/projects/aqbanking/wiki/SetupPinTan#best-practice

You can just try to enable this flag. If your bank doesn't support it, 
AqBanking should fall back to SWIFT. However, you'll get duplicates because of 
the limited SWIFT format.

> > As far as I know, there will be a mandatory switch to CAMT in November
> > this
> > year. Does anyone know if KMyMoney supports these specific fields or if
> > there’s a workaround to view this information from AqBanking?
> 
> Where did you get the information that CAMT will become mandatory
> later this year? Once details are clear(er) we can certainly work out
> a solution. I doubt that there currently is a workaround.

Regarding EBICS I'm pretty confident:
https://www.ebics.de/de/datenformate/format-lifecycle

And the Sparkassen (Finanz Informatik) mention both FinTS and EBICS: 
https://www.ksk-koeln.de/fi/home/produkte/banking-und-software/weitere-services/formatabkuendigung.html

CAMT should make the life much easier because there is more well structured 
information that can be directly extracted.

Gruß
 Jan