Norma 43, also called Cuaderno 43 or C43, is the account statement file that Spanish banks deliver to their business customers. It is defined by the Asociación Española de Banca (AEB) as standardised current account information, last revised in June 2012 to add SEPA transfer and direct debit data. A file is plain text in fixed-length records of 80 positions. Klarbon reads and writes Norma 43 in beta.
What is in a Norma 43 file?
| Record | Holds |
|---|---|
| Account header | bank, branch, account number, period, opening balance, currency, information mode |
| Main movement record | dates, common concept, own concept, debit or credit, amount, document number, references |
| Concept records, up to 5, optional | free text agreed with the customer, two fields of 38 positions each |
| Amount equivalence record, optional | the original currency and amount when it differs from the account's |
| End of account | totals of debits and credits, closing balance |
| End of file | the number of records |
The header, movement and end-of-account sequence repeats for every account in the file. Three information modes set how much detail each movement carries; the third adds standardised SEPA data. Every movement has a common concept code, such as 04 for transfers or 12 for cards, plus the bank's own code (CaixaBank, in Spanish).
Norma 43 or CAMT.053?
Norma 43 is a national format that Spanish accounting software has imported for decades. CAMT.053 is the ISO 20022 XML statement used across Europe, with richer structured remittance data. Use whichever your software's import screen asks for.
What does Klarbon do with Norma 43?
| Task | Status |
|---|---|
| Read a Norma 43 file (June 2012, modes 1 to 3) and write it as CSV, Excel, CAMT.053, MT940 or OFX | beta |
| Write Norma 43 from another bank file Klarbon reads, such as CAMT.053 or MT940 | beta, after the balance check |
| Import into a specific Spanish accounting package | not tested |
Klarbon's Norma 43 support is tested on synthetic files, not yet on files from every bank. Test a short period in your software first. See supported bank statement files.
Related
Frequently asked questions
What is a Norma 43 file?
A Spanish bank statement file defined in Cuaderno 43 of the Asociación Española de Banca (AEB). It is plain text in fixed-length records of 80 positions, holding the account, its movements and its balances.
Can I convert Norma 43 to Excel?
Reading a Norma 43 file and writing it as Excel, CSV or CAMT.053 is in beta in Klarbon. Check the balances and a few movements against your bank's statement afterwards.
Is there a PDF version of a Norma 43 statement?
Your bank's online banking usually offers the same period as a PDF statement. Klarbon does not read PDF statements yet, but it can write a Norma 43 file from another bank file it reads, such as CAMT.053, in beta.
What are the common concepts in Norma 43?
Two-digit codes that classify each movement the same way at every bank, for example 04 for transfers, 12 for card payments and 17 for interest, fees and charges. Each bank adds its own codes alongside.