your friendly MT940 SWIFT file parser for bank statements
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Uepsilon Merge pull request #13 from railslove/strip-header
Added strip_headers conifguration option to remove SWIFT header data before parsing
Latest commit 5d9cda7 Oct 8, 2018

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Cmxl - your friendly ruby MT940 parser

At Railslove we build a lot of financial applications and work on integrating applications with banks and banking functionality. Our goal is to make simple solutions for what often looks complicated.

Cmxl is a friendly and extendible MT940 bank statement file parser that helps your extracting data from the bank statement files.

What is MT940?

MT940 (MT = Message Type) is the SWIFT-Standard for the electronic transfer of bank statement files. When integrating with banks you often get MT940 files as interface. For more information have a look at the different SWIFT message types

At some point in the future MT940 file should be exchanged with newer XML documents - but banking institutions are slow so MT940 will stick around for a while.


Cmxl is a pure ruby parser and has no dependency on native extensions.

  • Ruby 1.9.3 or newer (jruby, etc.)


Add this line to your application's Gemfile:

gem 'cmxl'

And then execute:

$ bundle

Or install it yourself as:

$ gem install cmxl


Simple usage:

# Configuration:

# statement divider regex to split the individual statements in one file - the default is standard and should be good for most files
Cmxl.config[:statement_separator] = /\n-.\n/m

# do you want an error to be raised when a line can not be parsed? default is true
Cmxl.config[:raise_line_format_errors] = true

# try to stip the SWIFT header data. This strips everything until the actual first MT940 field. (if parsing fails try this!)
Cmxl.config[:strip_headers] = true

# Statment parsing:

statements = Cmxl.parse('mt940.txt'), :encoding => 'ISO-8859-1') # parses the file and returns an array of statement objects. Please note: if no encoding is given Cmxl tries to guess the encoding from the content and converts it to UTF-8. 
statements.each do |s|
  puts s.reference
  puts s.generation_date
  puts s.opening_balance.amount
  puts s.closing_balance.amount
  puts s.sha # SHA of the statement source - could be used as an unique identifier
  s.transactions.each do |t|
    puts t.information
    puts t.description
    puts t.entry_date
    puts t.funds_code
    puts t.debit?
    puts t.sign # -1 if it's a debit; 1 if it's a credit
    puts t.iban
    puts t.sepa
    puts t.sub_fields
    puts t.reference
    puts t.bank_reference
    # ...

Every object responds to to_h and let's you easily convert the data to a hash. Also every object responds to to_json which lets you easily represent the statements as JSON with your favorit JSON library.

A note about encoding and file wirednesses

You probably will encounter encoding issues (hey, you are building banking applications!). We try to handle encoding and format wirednesses as much as possible. If no encoding is passed we try to guess the encoding of the data and convert it to UTF8. In the likely case that you encouter encoding issues you can pass encoding options to the Cmxl.parse(<string>, <options hash>) it accepts the same options as String#encode If that fails try to motify the file before you pass it to the parser - and please create an issue.

MT940 SWIFT header data

Cmxl currently does not support parsing of the SWIFT headers (like {1:F01AXISINBBA ....) If your file comes with these headers try the strip_headers configuration option to strip data execpt the actual MT940 fields.

Cmxl.config[:strip_headers] = true

Custom field parsers

Because a lot of banks implement the MT940 format slightly different one of the design goals of this library is to be able to customize the individual field parsers. Every line get parsed with a special parser. Here is how to write your own parser:

# simply create a new parser class inheriting from Cmxl::Field
class MyFieldParser < Cmxl::Field
  self.tag = 42 # define which MT940 tag your parser can handle. This will automatically register your parser and overwriting existing parsers
  self.parser = /(?<world>.*)/ # the regex to parse the line. Use named regexp to access your match.

  def upcased['world'].upcase

my_field_parser = MyFieldParser.parse(":42:hello from mt940") #=> hello from MT940
my_field_parser.upcased #=> HELLO FROM MT940 #=> {'world' => 'hello from mt940'} - data is the accessor to the regexp matches

Parsing issues? - please create an issue with your file

The Mt940 format often looks different for the different banks and the different countries. Especially the not strict defined fields are often used for custom bank data. If you have a file that can not be parsed please open an issue. We hope to build a parser that handles most of the files.


  • collect MT940 files from different banks and use them as example for specs
  • support for Mt942
  • better header data handling

Looking for other Banking and EBICS tools?

Maybe these are also interesting for you.


Automated tests: We use rspec to test Cmxl. Simply run rake to execute the whole test suite.

  1. Fork it ( )
  2. Create your feature branch (git checkout -b my-new-feature)
  3. Commit your changes (git commit -am 'Add some feature')
  4. Push to the branch (git push origin my-new-feature)
  5. Create new Pull Request

Credits and other parsers

Cmxl is inspired and borrows ideas from the mt940_parser by the great people at betterplace.

other parsers:


Build Status Code Climate Test Coverage Gem Version

2014 - built with love by Railslove and released under the MIT-Licence. We have built quite a number of FinTech products. If you need support we are happy to help. Please contact us at