diff --git a/Samples/statementOfAccountXML.php b/Samples/statementOfAccountXML.php
new file mode 100644
index 00000000..454223e4
--- /dev/null
+++ b/Samples/statementOfAccountXML.php
@@ -0,0 +1,74 @@
+<?php
+
+/** @noinspection PhpUnhandledExceptionInspection */
+
+/**
+ * SAMPLE - Displays the statement of account using XML format (CAMT).
+ * This sample demonstrates how to use GetStatementOfAccountXML directly when you need
+ * raw XML access, or shows that GetStatementOfAccount now automatically falls back to
+ * XML format when MT940 is not available.
+ */
+
+// See login.php, it returns a FinTs instance that is already logged in.
+/** @var \Fhp\FinTs $fints */
+$fints = require_once 'login.php';
+
+// Just pick the first account, for demonstration purposes. You could also have the user choose, or have SEPAAccount
+// hard-coded and not call getSEPAAccounts() at all.
+$getSepaAccounts = \Fhp\Action\GetSEPAAccounts::create();
+$fints->execute($getSepaAccounts);
+if ($getSepaAccounts->needsTan()) {
+    handleStrongAuthentication($getSepaAccounts); // See login.php for the implementation.
+}
+$oneAccount = $getSepaAccounts->getAccounts()[0];
+
+$from = new \DateTime('2022-07-15');
+$to = new \DateTime();
+
+// Option 1: Use GetStatementOfAccount - it will automatically use XML if MT940 is not available
+$getStatement = \Fhp\Action\GetStatementOfAccount::create($oneAccount, $from, $to, false, true);
+$fints->execute($getStatement);
+if ($getStatement->needsTan()) {
+    handleStrongAuthentication($getStatement); // See login.php for the implementation.
+}
+
+$soa = $getStatement->getStatement();
+foreach ($soa->getStatements() as $statement) {
+    echo $statement->getDate()->format('Y-m-d') . ': Start Saldo: '
+        . ($statement->getCreditDebit() == \Fhp\Model\StatementOfAccount\Statement::CD_DEBIT ? '-' : '')
+        . $statement->getStartBalance() . PHP_EOL;
+    echo 'Transactions:' . PHP_EOL;
+    echo '=======================================' . PHP_EOL;
+    foreach ($statement->getTransactions() as $transaction) {
+        echo "Booked      : " . ($transaction->getBooked() ? "true" : "false") . PHP_EOL;
+        echo 'Amount      : ' . ($transaction->getCreditDebit() == \Fhp\Model\StatementOfAccount\Transaction::CD_DEBIT ? '-' : '') . $transaction->getAmount() . PHP_EOL;
+        echo 'Booking text: ' . $transaction->getBookingText() . PHP_EOL;
+        echo 'Name        : ' . $transaction->getName() . PHP_EOL;
+        echo 'Description : ' . $transaction->getMainDescription() . PHP_EOL;
+        echo 'EREF        : ' . $transaction->getEndToEndID() . PHP_EOL;
+        echo '=======================================' . PHP_EOL . PHP_EOL;
+    }
+}
+echo 'Found ' . count($soa->getStatements()) . ' statements.' . PHP_EOL;
+
+echo PHP_EOL . PHP_EOL;
+echo '========================================' . PHP_EOL;
+echo 'Option 2: Direct XML access if needed' . PHP_EOL;
+echo '========================================' . PHP_EOL;
+
+// Option 2: Use GetStatementOfAccountXML directly if you need raw XML access
+$getStatementXML = \Fhp\Action\GetStatementOfAccountXML::create($oneAccount, $from, $to);
+$fints->execute($getStatementXML);
+if ($getStatementXML->needsTan()) {
+    handleStrongAuthentication($getStatementXML); // See login.php for the implementation.
+}
+
+$xmlStrings = $getStatementXML->getBookedXML();
+foreach ($xmlStrings as $index => $xml) {
+    echo "XML Document " . ($index + 1) . ":" . PHP_EOL;
+    // You can now parse the XML manually if needed
+    $doc = simplexml_load_string($xml);
+    if ($doc !== false) {
+        echo "Successfully loaded XML document" . PHP_EOL;
+    }
+}
diff --git a/lib/Fhp/Action/GetStatementOfAccount.php b/lib/Fhp/Action/GetStatementOfAccount.php
index 8f623ec1..ee19f449 100644
--- a/lib/Fhp/Action/GetStatementOfAccount.php
+++ b/lib/Fhp/Action/GetStatementOfAccount.php
@@ -2,6 +2,7 @@
 
 namespace Fhp\Action;
 
+use Fhp\CAMT\CAMT;
 use Fhp\Model\SEPAAccount;
 use Fhp\Model\StatementOfAccount\StatementOfAccount;
 use Fhp\MT940\Dialect\PostbankMT940;
@@ -47,6 +48,10 @@ class GetStatementOfAccount extends PaginateableAction
     /** @var string */
     private $bankName;
 
+    // Internal action for XML fallback
+    /** @var GetStatementOfAccountXML|null */
+    private $xmlAction;
+
     // Response
     /** @var string */
     private $rawMT940 = '';
@@ -151,22 +156,29 @@ protected function createRequest(BPD $bpd, ?UPD $upd)
     {
         $this->bankName = $bpd->getBankName();
 
-        /** @var HIKAZS $hikazs */
-        $hikazs = $bpd->requireLatestSupportedParameters('HIKAZS');
-        if ($this->allAccounts && !$hikazs->getParameter()->getAlleKontenErlaubt()) {
-            throw new \InvalidArgumentException('The bank do not permit the use of allAccounts=true');
-        }
-        switch ($hikazs->getVersion()) {
-            case 4:
-                return HKKAZv4::create(Kto::fromAccount($this->account), $this->from, $this->to);
-            case 5:
-                return HKKAZv5::create(KtvV3::fromAccount($this->account), $this->allAccounts, $this->from, $this->to);
-            case 6:
-                return HKKAZv6::create(KtvV3::fromAccount($this->account), $this->allAccounts, $this->from, $this->to);
-            case 7:
-                return HKKAZv7::create(Kti::fromAccount($this->account), $this->allAccounts, $this->from, $this->to);
-            default:
-                throw new UnsupportedException('Unsupported HKKAZ version: ' . $hikazs->getVersion());
+        // Try to use MT940 format (HIKAZS) if supported
+        try {
+            /** @var HIKAZS $hikazs */
+            $hikazs = $bpd->requireLatestSupportedParameters('HIKAZS');
+            if ($this->allAccounts && !$hikazs->getParameter()->getAlleKontenErlaubt()) {
+                throw new \InvalidArgumentException('The bank do not permit the use of allAccounts=true');
+            }
+            switch ($hikazs->getVersion()) {
+                case 4:
+                    return HKKAZv4::create(Kto::fromAccount($this->account), $this->from, $this->to);
+                case 5:
+                    return HKKAZv5::create(KtvV3::fromAccount($this->account), $this->allAccounts, $this->from, $this->to);
+                case 6:
+                    return HKKAZv6::create(KtvV3::fromAccount($this->account), $this->allAccounts, $this->from, $this->to);
+                case 7:
+                    return HKKAZv7::create(Kti::fromAccount($this->account), $this->allAccounts, $this->from, $this->to);
+                default:
+                    throw new UnsupportedException('Unsupported HKKAZ version: ' . $hikazs->getVersion());
+            }
+        } catch (UnexpectedResponseException | UnsupportedException $e) {
+            // MT940 format not supported, fall back to XML format (HICAZS)
+            $this->xmlAction = GetStatementOfAccountXML::create($this->account, $this->from, $this->to, null, $this->allAccounts);
+            return $this->xmlAction->createRequest($bpd, $upd);
         }
     }
 
@@ -174,6 +186,17 @@ public function processResponse(Message $response)
     {
         parent::processResponse($response);
 
+        // If we're using XML fallback, delegate to the XML action
+        if ($this->xmlAction !== null) {
+            $this->xmlAction->processResponse($response);
+
+            // Parse XML and convert to StatementOfAccount once all pages are received
+            if (!$this->hasMorePages()) {
+                $this->parseXml();
+            }
+            return;
+        }
+
         // Banks send just 3010 and no HIKAZ in case there are no transactions.
         $isUnavailable = $response->findRueckmeldung(Rueckmeldungscode::NICHT_VERFUEGBAR) !== null;
         $responseHikaz = $response->findSegments(HIKAZ::class);
@@ -218,4 +241,26 @@ private function parseMt940()
             throw new \InvalidArgumentException('Invalid MT940 data', 0, $e);
         }
     }
+
+    private function parseXml()
+    {
+        if ($this->xmlAction === null) {
+            throw new \RuntimeException('XML action not initialized');
+        }
+
+        $xmlStrings = $this->xmlAction->getBookedXML();
+        if (empty($xmlStrings)) {
+            // No transactions available
+            $this->statement = new StatementOfAccount();
+            return;
+        }
+
+        try {
+            $parser = new CAMT();
+            $parsedCAMT = $parser->parse($xmlStrings);
+            $this->statement = StatementOfAccount::fromCAMTArray($parsedCAMT);
+        } catch (\Exception $e) {
+            throw new \InvalidArgumentException('Invalid CAMT XML data', 0, $e);
+        }
+    }
 }
diff --git a/lib/Fhp/CAMT/CAMT.php b/lib/Fhp/CAMT/CAMT.php
new file mode 100644
index 00000000..b1549615
--- /dev/null
+++ b/lib/Fhp/CAMT/CAMT.php
@@ -0,0 +1,717 @@
+<?php
+
+namespace Fhp\CAMT;
+
+use Fhp\MT940\MT940;
+
+/**
+ * Parser for CAMT XML format (ISO 20022)
+ * Supports camt.052 (Account Report) format versions
+ */
+class CAMT
+{
+    /**
+     * Parse CAMT XML string(s) into an array structure compatible with MT940 parser output
+     *
+     * @param string[] $xmlStrings Array of XML strings (one or more CAMT documents)
+     * @return array Associative array with dates as keys, containing statement and transaction data
+     */
+    public function parse(array $xmlStrings): array
+    {
+        $result = [];
+
+        foreach ($xmlStrings as $xmlString) {
+            if (empty($xmlString)) {
+                continue;
+            }
+
+            // Try to load the XML
+            $previousValue = libxml_use_internal_errors(true);
+            $doc = simplexml_load_string($xmlString);
+            libxml_use_internal_errors($previousValue);
+
+            if ($doc === false) {
+                continue; // Skip invalid XML
+            }
+
+            // Register namespace - support multiple camt versions
+            $namespaces = $doc->getNamespaces(true);
+            $ns = null;
+            foreach ($namespaces as $prefix => $uri) {
+                if (str_contains($uri, 'camt.052')) {
+                    $ns = $uri;
+                    break;
+                }
+            }
+
+            if ($ns === null) {
+                continue; // Not a camt.052 document
+            }
+
+            $doc->registerXPathNamespace('c', $ns);
+
+            // Parse each report
+            $reports = $doc->xpath('//c:Rpt');
+            if ($reports === false) {
+                continue;
+            }
+
+            foreach ($reports as $report) {
+                $this->parseReport($report, $ns, $result);
+            }
+        }
+
+        return $result;
+    }
+
+    /**
+     * Parse a single report (Rpt) element
+     *
+     * @param \SimpleXMLElement $report
+     * @param string $ns Namespace URI
+     * @param array &$result Result array to populate
+     */
+    private function parseReport(\SimpleXMLElement $report, string $ns, array &$result): void
+    {
+        $report->registerXPathNamespace('c', $ns);
+
+        // Get account balances
+        $balances = $this->parseBalances($report, $ns);
+
+        // Parse entries (transactions)
+        $entries = $report->xpath('.//c:Ntry');
+        if ($entries === false) {
+            return;
+        }
+
+        foreach ($entries as $entry) {
+            $entry->registerXPathNamespace('c', $ns);
+            $transaction = $this->parseEntry($entry, $ns);
+
+            if ($transaction === null) {
+                continue;
+            }
+
+            // Group transactions by booking date
+            $dateKey = $transaction['booking_date'];
+            if (!isset($result[$dateKey])) {
+                $result[$dateKey] = [
+                    'start_balance' => $balances,
+                    'transactions' => [],
+                ];
+            }
+
+            $result[$dateKey]['transactions'][] = $transaction;
+        }
+
+        // If we have balances but no transactions, still create an entry
+        if (!empty($balances) && empty($entries)) {
+            $dateKey = $balances['date'] ?? date('Y-m-d');
+            if (!isset($result[$dateKey])) {
+                $result[$dateKey] = [
+                    'start_balance' => $balances,
+                    'transactions' => [],
+                ];
+            }
+        }
+
+        // Set end balances
+        foreach ($result as $dateKey => &$statement) {
+            if (!isset($statement['end_balance']) && !empty($balances)) {
+                $statement['end_balance'] = [
+                    'amount' => $balances['amount'] ?? 0,
+                    'credit_debit' => $balances['credit_debit'] ?? MT940::CD_CREDIT,
+                    'date' => $dateKey,
+                ];
+            }
+        }
+    }
+
+    /**
+     * Parse balance information from report
+     *
+     * @param \SimpleXMLElement $report
+     * @param string $ns
+     * @return array Balance information
+     */
+    private function parseBalances(\SimpleXMLElement $report, string $ns): array
+    {
+        $report->registerXPathNamespace('c', $ns);
+
+        // Try to find opening balance (OPBD) or closing balance (CLBD)
+        $balances = $report->xpath('.//c:Bal');
+        if ($balances === false || empty($balances)) {
+            return [];
+        }
+
+        $result = [];
+        foreach ($balances as $balance) {
+            $balance->registerXPathNamespace('c', $ns);
+
+            $type = (string)$balance->xpath('.//c:Tp/c:CdOrPrtry/c:Cd')[0] ?? '';
+            $amount = (float)($balance->xpath('.//c:Amt')[0] ?? 0);
+            $currency = (string)($balance->xpath('.//c:Amt/@Ccy')[0] ?? 'EUR');
+            $creditDebit = (string)($balance->xpath('.//c:CdtDbtInd')[0] ?? 'CRDT');
+            $date = (string)($balance->xpath('.//c:Dt/c:Dt')[0] ?? '');
+
+            // Use opening balance if available
+            if ($type === 'OPBD' || empty($result)) {
+                $result = [
+                    'amount' => $amount,
+                    'currency' => $currency,
+                    'credit_debit' => $creditDebit === 'DBIT' ? MT940::CD_DEBIT : MT940::CD_CREDIT,
+                    'date' => $date,
+                ];
+            }
+        }
+
+        return $result;
+    }
+
+    /**
+     * Parse a single entry (transaction) from CAMT XML
+     *
+     * @param \SimpleXMLElement $entry
+     * @param string $ns
+     * @return array|null Transaction data or null if parsing fails
+     */
+    private function parseEntry(\SimpleXMLElement $entry, string $ns): ?array
+    {
+        $entry->registerXPathNamespace('c', $ns);
+
+        // Get booking date
+        $bookingDate = (string)($entry->xpath('.//c:BookgDt/c:Dt')[0] ?? $entry->xpath('.//c:BookgDt/c:DtTm')[0] ?? '');
+        if (empty($bookingDate)) {
+            return null;
+        }
+
+        // Parse date - handle both date and datetime formats
+        if (str_contains($bookingDate, 'T')) {
+            $bookingDate = substr($bookingDate, 0, 10);
+        }
+
+        // Get value date
+        $valutaDate = (string)($entry->xpath('.//c:ValDt/c:Dt')[0] ?? $entry->xpath('.//c:ValDt/c:DtTm')[0] ?? $bookingDate);
+        if (str_contains($valutaDate, 'T')) {
+            $valutaDate = substr($valutaDate, 0, 10);
+        }
+
+        // Get amount
+        $amount = (float)($entry->xpath('.//c:Amt')[0] ?? 0);
+
+        // Get credit/debit indicator
+        $creditDebit = (string)($entry->xpath('.//c:CdtDbtInd')[0] ?? 'CRDT');
+        $creditDebit = $creditDebit === 'DBIT' ? MT940::CD_DEBIT : MT940::CD_CREDIT;
+
+        // Check if it's a reversal/storno
+        $reversalIndicator = (string)($entry->xpath('.//c:RvslInd')[0] ?? 'false');
+        $isStorno = strtolower($reversalIndicator) === 'true';
+
+        // Get status - check if booked or pending
+        $status = (string)($entry->xpath('.//c:Sts')[0] ?? 'BOOK');
+        $booked = strtoupper($status) === 'BOOK';
+
+        // Parse transaction details
+        $details = $this->parseEntryDetails($entry, $ns);
+
+        return [
+            'booking_date' => $bookingDate,
+            'valuta_date' => $valutaDate,
+            'amount' => $amount,
+            'credit_debit' => $creditDebit,
+            'is_storno' => $isStorno,
+            'booked' => $booked,
+            'description' => $details,
+        ];
+    }
+
+    /**
+     * Parse detailed transaction information
+     *
+     * @param \SimpleXMLElement $entry
+     * @param string $ns
+     * @return array Transaction details
+     */
+    private function parseEntryDetails(\SimpleXMLElement $entry, string $ns): array
+    {
+        $entry->registerXPathNamespace('c', $ns);
+
+        $details = [
+            'booking_code' => '',
+            'booking_text' => '',
+            'description_1' => '',
+            'description_2' => '',
+            'description' => [],
+            'bank_code' => '',
+            'account_number' => '',
+            'name' => '',
+            'primanoten_nr' => '',
+            'text_key_addition' => '',
+        ];
+
+        // Get transaction details from NtryDtls/TxDtls
+        $txDetails = $entry->xpath('.//c:NtryDtls/c:TxDtls');
+        if ($txDetails === false || empty($txDetails)) {
+            return $details;
+        }
+
+        $txDetail = $txDetails[0];
+        $txDetail->registerXPathNamespace('c', $ns);
+
+        // Get booking code and text from BkTxCd
+        $this->parseBookingCode($txDetail, $ns, $details);
+
+        // Get remittance information (Verwendungszweck)
+        $remittanceInfo = $txDetail->xpath('.//c:RmtInf');
+        if ($remittanceInfo !== false && !empty($remittanceInfo)) {
+            $remittanceInfo[0]->registerXPathNamespace('c', $ns);
+            $this->parseRemittanceInfo($remittanceInfo[0], $ns, $details);
+        }
+
+        // Get counterparty information
+        $relatedParties = $txDetail->xpath('.//c:RltdPties');
+        if ($relatedParties !== false && !empty($relatedParties)) {
+            $relatedParties[0]->registerXPathNamespace('c', $ns);
+            $this->parseRelatedParties($relatedParties[0], $ns, $details);
+        }
+
+        // Get agent information (BIC codes)
+        $relatedAgents = $txDetail->xpath('.//c:RltdAgts');
+        if ($relatedAgents !== false && !empty($relatedAgents)) {
+            $relatedAgents[0]->registerXPathNamespace('c', $ns);
+            $this->parseRelatedAgents($relatedAgents[0], $ns, $details);
+        }
+
+        // Get references (EREF, MREF, CRED, etc.)
+        $refs = $txDetail->xpath('.//c:Refs');
+        if ($refs !== false && !empty($refs)) {
+            $refs[0]->registerXPathNamespace('c', $ns);
+            $this->parseReferences($refs[0], $ns, $details);
+        }
+
+        // Get mandate information and creditor ID
+        $this->parseMandateInfo($txDetail, $ns, $details);
+
+        return $details;
+    }
+
+    /**
+     * Parse booking code and text
+     *
+     * @param \SimpleXMLElement $txDetail
+     * @param string $ns
+     * @param array &$details
+     */
+    private function parseBookingCode(\SimpleXMLElement $txDetail, string $ns, array &$details): void
+    {
+        $txDetail->registerXPathNamespace('c', $ns);
+
+        // Get domain code
+        $domainCode = (string)($txDetail->xpath('.//c:BkTxCd/c:Domn/c:Cd')[0] ?? '');
+        $details['booking_code'] = $domainCode;
+
+        // Get family and subfamily codes
+        $family = (string)($txDetail->xpath('.//c:BkTxCd/c:Domn/c:Fmly/c:Cd')[0] ?? '');
+        $subfamily = (string)($txDetail->xpath('.//c:BkTxCd/c:Domn/c:Fmly/c:SubFmlyCd')[0] ?? '');
+
+        // Get proprietary code (often more descriptive)
+        $proprietary = (string)($txDetail->xpath('.//c:BkTxCd/c:Prtry/c:Cd')[0] ?? '');
+        $proprietaryIssuer = (string)($txDetail->xpath('.//c:BkTxCd/c:Prtry/c:Issr')[0] ?? '');
+
+        // Build booking text - prefer proprietary code as it's more descriptive
+        if (!empty($proprietary)) {
+            $details['booking_text'] = $proprietary;
+            
+            // Extract booking code and text key addition from proprietary code
+            // Format is often like: NTRF+118+05801 or NDDT+105+00931
+            if (preg_match('/([A-Z]{4})\+(\d{3})\+(\d{5})/', $proprietary, $matches)) {
+                $details['booking_code'] = $matches[2];
+                $details['text_key_addition'] = $matches[3];
+            } elseif (preg_match('/(\d{3})/', $proprietary, $matches)) {
+                // Fallback: just extract the 3-digit code
+                if (empty($details['booking_code'])) {
+                    $details['booking_code'] = $matches[1];
+                }
+            }
+        } elseif (!empty($family) || !empty($subfamily)) {
+            $details['booking_text'] = trim($family . ' ' . $subfamily);
+        }
+    }
+
+    /**
+     * Parse remittance information
+     *
+     * @param \SimpleXMLElement $remittanceInfo
+     * @param string $ns
+     * @param array &$details
+     */
+    private function parseRemittanceInfo(\SimpleXMLElement $remittanceInfo, string $ns, array &$details): void
+    {
+        $remittanceInfo->registerXPathNamespace('c', $ns);
+
+        // Unstructured remittance info - this is the main "Verwendungszweck"
+        $unstructured = $remittanceInfo->xpath('.//c:Ustrd');
+        if ($unstructured !== false && !empty($unstructured)) {
+            $ustrd = (string)$unstructured[0];
+            
+            // Parse structured SEPA fields from unstructured text
+            $structuredFields = $this->extractStructuredFieldsFromText($ustrd);
+            
+            // Extract BIC and IBAN if present in text and not yet set
+            if (empty($details['bank_code']) && preg_match('/BIC:\s*([A-Z0-9]{8,11})/', $ustrd, $matches)) {
+                $details['bank_code'] = $matches[1];
+            }
+            if (empty($details['account_number']) && preg_match('/IBAN:\s*([A-Z]{2}[0-9]{2}[A-Z0-9]+)/', $ustrd, $matches)) {
+                $details['account_number'] = $matches[1];
+            }
+            
+            // Set SVWZ (main description) - extract clean text without structured fields
+            $cleanText = $this->removeStructuredFieldsFromText($ustrd);
+            $details['description']['SVWZ'] = trim($cleanText);
+            $details['description_1'] = trim($cleanText);
+            
+            // Merge extracted structured fields
+            $details['description'] = array_merge($details['description'], $structuredFields);
+        }
+
+        // Structured remittance info
+        $structured = $remittanceInfo->xpath('.//c:Strd/c:CdtrRefInf/c:Ref');
+        if ($structured !== false && !empty($structured)) {
+            $details['description_2'] = (string)$structured[0];
+        }
+    }
+
+    /**
+     * Parse related parties (Debtor/Creditor)
+     *
+     * @param \SimpleXMLElement $relatedParties
+     * @param string $ns
+     * @param array &$details
+     */
+    private function parseRelatedParties(\SimpleXMLElement $relatedParties, string $ns, array &$details): void
+    {
+        // Use children() to access elements with namespace
+        $children = $relatedParties->children($ns);
+        
+        // Try without namespace as fallback
+        $childrenNoNs = $relatedParties->children();
+        
+        // Debtor information
+        $debtorName = '';
+        $debtorAccount = '';
+        $debtorOtherAccount = '';
+        
+        // Try with namespace first, then without
+        if (isset($children->Dbtr)) {
+            $dbtr = $children->Dbtr->children($ns);
+            if (isset($dbtr->Pty)) {
+                $pty = $dbtr->Pty->children($ns);
+                $debtorName = (string)($pty->Nm ?? '');
+            } else {
+                $debtorName = (string)($dbtr->Nm ?? '');
+            }
+        } elseif (isset($childrenNoNs->Dbtr)) {
+            $dbtr = $childrenNoNs->Dbtr->children();
+            if (isset($dbtr->Pty)) {
+                $pty = $dbtr->Pty->children();
+                $debtorName = (string)($pty->Nm ?? '');
+            } else {
+                $debtorName = (string)($dbtr->Nm ?? '');
+            }
+        }
+        if (isset($children->DbtrAcct)) {
+            $dbtrAcct = $children->DbtrAcct->children($ns);
+            if (isset($dbtrAcct->Id)) {
+                $id = $dbtrAcct->Id->children($ns);
+                $debtorAccount = (string)($id->IBAN ?? '');
+                if (empty($debtorAccount) && isset($id->Othr)) {
+                    $othr = $id->Othr->children($ns);
+                    $debtorOtherAccount = (string)($othr->Id ?? '');
+                }
+            }
+        } elseif (isset($childrenNoNs->DbtrAcct)) {
+            $dbtrAcct = $childrenNoNs->DbtrAcct->children();
+            if (isset($dbtrAcct->Id)) {
+                $id = $dbtrAcct->Id->children();
+                $debtorAccount = (string)($id->IBAN ?? '');
+                if (empty($debtorAccount) && isset($id->Othr)) {
+                    $othr = $id->Othr->children();
+                    $debtorOtherAccount = (string)($othr->Id ?? '');
+                }
+            }
+        }
+        
+        // Creditor information
+        $creditorName = '';
+        $creditorAccount = '';
+        $creditorOtherAccount = '';
+        
+        if (isset($children->Cdtr)) {
+            $cdtr = $children->Cdtr->children($ns);
+            if (isset($cdtr->Pty)) {
+                $pty = $cdtr->Pty->children($ns);
+                $creditorName = (string)($pty->Nm ?? '');
+            } else {
+                $creditorName = (string)($cdtr->Nm ?? '');
+            }
+        } elseif (isset($childrenNoNs->Cdtr)) {
+            $cdtr = $childrenNoNs->Cdtr->children();
+            if (isset($cdtr->Pty)) {
+                $pty = $cdtr->Pty->children();
+                $creditorName = (string)($pty->Nm ?? '');
+            } else {
+                $creditorName = (string)($cdtr->Nm ?? '');
+            }
+        }
+        if (isset($children->CdtrAcct)) {
+            $cdtrAcct = $children->CdtrAcct->children($ns);
+            if (isset($cdtrAcct->Id)) {
+                $id = $cdtrAcct->Id->children($ns);
+                $creditorAccount = (string)($id->IBAN ?? '');
+                if (empty($creditorAccount) && isset($id->Othr)) {
+                    $othr = $id->Othr->children($ns);
+                    $creditorOtherAccount = (string)($othr->Id ?? '');
+                }
+            }
+        } elseif (isset($childrenNoNs->CdtrAcct)) {
+            $cdtrAcct = $childrenNoNs->CdtrAcct->children();
+            if (isset($cdtrAcct->Id)) {
+                $id = $cdtrAcct->Id->children();
+                $creditorAccount = (string)($id->IBAN ?? '');
+                if (empty($creditorAccount) && isset($id->Othr)) {
+                    $othr = $id->Othr->children();
+                    $creditorOtherAccount = (string)($othr->Id ?? '');
+                }
+            }
+        }
+        
+        // Ultimate parties
+        $ultimateDebtorName = '';
+        $ultimateCreditorName = '';
+        
+        if (isset($children->UltmtDbtr)) {
+            $ultDbtr = $children->UltmtDbtr->children($ns);
+            if (isset($ultDbtr->Pty)) {
+                $pty = $ultDbtr->Pty->children($ns);
+                $ultimateDebtorName = (string)($pty->Nm ?? '');
+            } else {
+                $ultimateDebtorName = (string)($ultDbtr->Nm ?? '');
+            }
+        } elseif (isset($childrenNoNs->UltmtDbtr)) {
+            $ultDbtr = $childrenNoNs->UltmtDbtr->children();
+            if (isset($ultDbtr->Pty)) {
+                $pty = $ultDbtr->Pty->children();
+                $ultimateDebtorName = (string)($pty->Nm ?? '');
+            } else {
+                $ultimateDebtorName = (string)($ultDbtr->Nm ?? '');
+            }
+        }
+        if (isset($children->UltmtCdtr)) {
+            $ultCdtr = $children->UltmtCdtr->children($ns);
+            if (isset($ultCdtr->Pty)) {
+                $pty = $ultCdtr->Pty->children($ns);
+                $ultimateCreditorName = (string)($pty->Nm ?? '');
+            } else {
+                $ultimateCreditorName = (string)($ultCdtr->Nm ?? '');
+            }
+        } elseif (isset($childrenNoNs->UltmtCdtr)) {
+            $ultCdtr = $childrenNoNs->UltmtCdtr->children();
+            if (isset($ultCdtr->Pty)) {
+                $pty = $ultCdtr->Pty->children();
+                $ultimateCreditorName = (string)($pty->Nm ?? '');
+            } else {
+                $ultimateCreditorName = (string)($ultCdtr->Nm ?? '');
+            }
+        }
+
+        // Determine name priority
+        $details['name'] = !empty($ultimateCreditorName) ? $ultimateCreditorName :
+                          (!empty($ultimateDebtorName) ? $ultimateDebtorName :
+                          (!empty($creditorName) ? $creditorName : 
+                          (!empty($debtorName) ? $debtorName : '')));
+
+        // Set account
+        $iban = !empty($creditorAccount) ? $creditorAccount : 
+                (!empty($debtorAccount) ? $debtorAccount :
+                (!empty($creditorOtherAccount) ? $creditorOtherAccount : $debtorOtherAccount));
+        $details['account_number'] = $iban;
+    }
+
+    /**
+     * Parse related agents (BIC information)
+     *
+     * @param \SimpleXMLElement $relatedAgents
+     * @param string $ns
+     * @param array &$details
+     */
+    private function parseRelatedAgents(\SimpleXMLElement $relatedAgents, string $ns, array &$details): void
+    {
+        // Use children() to access elements with namespace
+        $children = $relatedAgents->children($ns);
+        
+        $debtorBIC = '';
+        $creditorBIC = '';
+        
+        // Debtor Agent (for outgoing transactions)
+        if (isset($children->DbtrAgt)) {
+            $dbtrAgt = $children->DbtrAgt->children($ns);
+            if (isset($dbtrAgt->FinInstnId)) {
+                $finInstn = $dbtrAgt->FinInstnId->children($ns);
+                $debtorBIC = (string)($finInstn->BICFI ?? $finInstn->BIC ?? '');
+                
+                // Try ClrSysMmbId if BIC not found
+                if (empty($debtorBIC) && isset($finInstn->ClrSysMmbId)) {
+                    $clrSys = $finInstn->ClrSysMmbId->children($ns);
+                    $debtorBIC = (string)($clrSys->MmbId ?? '');
+                }
+            }
+        }
+        
+        // Creditor Agent (for incoming transactions)
+        if (isset($children->CdtrAgt)) {
+            $cdtrAgt = $children->CdtrAgt->children($ns);
+            if (isset($cdtrAgt->FinInstnId)) {
+                $finInstn = $cdtrAgt->FinInstnId->children($ns);
+                $creditorBIC = (string)($finInstn->BICFI ?? $finInstn->BIC ?? '');
+                
+                // Try ClrSysMmbId if BIC not found
+                if (empty($creditorBIC) && isset($finInstn->ClrSysMmbId)) {
+                    $clrSys = $finInstn->ClrSysMmbId->children($ns);
+                    $creditorBIC = (string)($clrSys->MmbId ?? '');
+                }
+            }
+        }
+        
+        // Set BIC - only if not already set
+        if (empty($details['bank_code'])) {
+            $details['bank_code'] = !empty($creditorBIC) ? $creditorBIC : $debtorBIC;
+        }
+    }
+
+    /**
+     * Parse references (EREF, MREF, CRED, etc.)
+     *
+     * @param \SimpleXMLElement $refs
+     * @param string $ns
+     * @param array &$details
+     */
+    private function parseReferences(\SimpleXMLElement $refs, string $ns, array &$details): void
+    {
+        $refs->registerXPathNamespace('c', $ns);
+
+        // End to end reference (EREF)
+        $endToEndId = (string)($refs->xpath('.//c:EndToEndId')[0] ?? '');
+        if (!empty($endToEndId) && $endToEndId !== 'NOTPROVIDED' && $endToEndId !== 'NONE') {
+            $details['description']['EREF'] = $endToEndId;
+        }
+
+        // Mandate reference (MREF)
+        $mandateId = (string)($refs->xpath('.//c:MndtId')[0] ?? '');
+        if (!empty($mandateId)) {
+            $details['description']['MREF'] = $mandateId;
+        }
+
+        // Creditor reference (KREF)
+        $creditorRef = (string)($refs->xpath('.//c:CdtrRef')[0] ?? '');
+        if (!empty($creditorRef)) {
+            $details['description']['KREF'] = $creditorRef;
+        }
+
+        // Account servicer reference
+        $acctSvcrRef = (string)($refs->xpath('.//c:AcctSvcrRef')[0] ?? '');
+        if (!empty($acctSvcrRef)) {
+            $details['primanoten_nr'] = $acctSvcrRef;
+        }
+    }
+
+    /**
+     * Parse mandate information and creditor scheme ID
+     *
+     * @param \SimpleXMLElement $txDetail
+     * @param string $ns
+     * @param array &$details
+     */
+    private function parseMandateInfo(\SimpleXMLElement $txDetail, string $ns, array &$details): void
+    {
+        $txDetail->registerXPathNamespace('c', $ns);
+
+        // Get creditor scheme identification from related parties
+        $creditorSchemeId = (string)($txDetail->xpath('.//c:RltdPties/c:Cdtr/c:Id/c:OrgId/c:Othr/c:Id')[0] ?? '');
+        if (empty($creditorSchemeId)) {
+            $creditorSchemeId = (string)($txDetail->xpath('.//c:RltdPties/c:Cdtr/c:Id/c:PrvtId/c:Othr/c:Id')[0] ?? '');
+        }
+        if (empty($creditorSchemeId)) {
+            // Try ultimate creditor
+            $creditorSchemeId = (string)($txDetail->xpath('.//c:RltdPties/c:UltmtCdtr/c:Id/c:OrgId/c:Othr/c:Id')[0] ?? '');
+        }
+        if (empty($creditorSchemeId)) {
+            $creditorSchemeId = (string)($txDetail->xpath('.//c:RltdPties/c:UltmtCdtr/c:Id/c:PrvtId/c:Othr/c:Id')[0] ?? '');
+        }
+
+        if (!empty($creditorSchemeId)) {
+            $details['description']['CRED'] = $creditorSchemeId;
+        }
+    }
+
+    /**
+     * Extract structured SEPA fields from unstructured text
+     *
+     * @param string $text
+     * @return array Structured fields found in text
+     */
+    private function extractStructuredFieldsFromText(string $text): array
+    {
+        $fields = [];
+        
+        // Common SEPA field patterns
+        $patterns = [
+            'EREF' => '/EREF\+([^\s]+)/',
+            'MREF' => '/MREF\+([^\s]+)/',
+            'CRED' => '/CRED\+([^\s]+)/',
+            'DEBT' => '/DEBT\+([^\s]+)/',
+            'SVWZ' => '/SVWZ\+(.+?)(?=(?:EREF|MREF|CRED|DEBT|\s*$))/',
+            'KREF' => '/KREF\+([^\s]+)/',
+            'IBAN' => '/IBAN\+([A-Z]{2}[0-9]{2}[A-Z0-9]+)/',
+        ];
+
+        foreach ($patterns as $key => $pattern) {
+            if (preg_match($pattern, $text, $matches)) {
+                $fields[$key] = trim($matches[1]);
+            }
+        }
+
+        return $fields;
+    }
+
+    /**
+     * Remove structured SEPA fields from text to get clean description
+     *
+     * @param string $text
+     * @return string Clean text without structured fields
+     */
+    private function removeStructuredFieldsFromText(string $text): string
+    {
+        // Remove common SEPA structured fields - allow space after colon
+        $text = preg_replace('/\s*EREF:\s*[^\s]+/', '', $text);
+        $text = preg_replace('/\s*MREF:\s*[^\s]+/', '', $text);
+        $text = preg_replace('/\s*CRED:\s*[^\s]+/', '', $text);
+        $text = preg_replace('/\s*DEBT:\s*[^\s]+/', '', $text);
+        $text = preg_replace('/\s*KREF:\s*[^\s]+/', '', $text);
+        $text = preg_replace('/\s*SVWZ:\s*/', '', $text);
+        $text = preg_replace('/\s*IBAN:\s*[A-Z]{2}[0-9]{2}[A-Z0-9]+/', '', $text);
+        $text = preg_replace('/\s*BIC:\s*[A-Z0-9]{8,11}/', '', $text);
+        
+        // Also handle + separator variants
+        $text = preg_replace('/\s*EREF\+[^\s]+/', '', $text);
+        $text = preg_replace('/\s*MREF\+[^\s]+/', '', $text);
+        $text = preg_replace('/\s*CRED\+[^\s]+/', '', $text);
+        $text = preg_replace('/\s*DEBT\+[^\s]+/', '', $text);
+        $text = preg_replace('/\s*KREF\+[^\s]+/', '', $text);
+        $text = preg_replace('/\s*SVWZ\+/', '', $text);
+        
+        // Clean up multiple spaces and trim
+        $text = preg_replace('/\s+/', ' ', $text);
+        
+        return trim($text);
+    }
+}
diff --git a/lib/Fhp/Model/StatementOfAccount/StatementOfAccount.php b/lib/Fhp/Model/StatementOfAccount/StatementOfAccount.php
index d9e597b7..05053ec5 100644
--- a/lib/Fhp/Model/StatementOfAccount/StatementOfAccount.php
+++ b/lib/Fhp/Model/StatementOfAccount/StatementOfAccount.php
@@ -121,4 +121,14 @@ public static function fromMT940Array(array $array): StatementOfAccount
         }
         return $result;
     }
+
+    /**
+     * @param array $array A parsed CAMT dataset, as returned from {@link \Fhp\CAMT\CAMT::parse()}.
+     * @return StatementOfAccount A new instance that contains the given data.
+     */
+    public static function fromCAMTArray(array $array): StatementOfAccount
+    {
+        // CAMT data structure is compatible with MT940 structure, so we can reuse the same method
+        return self::fromMT940Array($array);
+    }
 }