diff --git a/src/main/java/de/jottyfan/csv2camt/Converter.java b/src/main/java/de/jottyfan/csv2camt/Converter.java
index 3f0f271..a7e56ac 100644
--- a/src/main/java/de/jottyfan/csv2camt/Converter.java
+++ b/src/main/java/de/jottyfan/csv2camt/Converter.java
@@ -14,16 +14,15 @@ import de.jottyfan.csv2camt.xml.CamtWriter;
 public class Converter {
 
 	private CsvBean bean;
-	private String filenamePrefix;
+	private String filename;
 
 	public Converter readCsv(String filename) throws IOException {
-		String s = filename.contains("/") ? filename.substring(filename.lastIndexOf("/") + 1) : filename;
-		filenamePrefix = s.contains(".") ? s.substring(0, s.indexOf(".")) : s;
+		this.filename = filename.replace(".csv", ".xml");
 		bean = new CsvParser().read(filename);
 		return this;
 	}
 
-	public void writeCamt() {
-		new CamtWriter().write(bean, filenamePrefix.concat(".camt"));
+	public void writeCamt() throws Exception {
+		new CamtWriter().write(bean, filename);
 	}
 }
diff --git a/src/main/java/de/jottyfan/csv2camt/Main.java b/src/main/java/de/jottyfan/csv2camt/Main.java
index f750f4b..da3f462 100644
--- a/src/main/java/de/jottyfan/csv2camt/Main.java
+++ b/src/main/java/de/jottyfan/csv2camt/Main.java
@@ -1,14 +1,12 @@
 package de.jottyfan.csv2camt;
 
-import java.io.IOException;
-
 /**
  * 
  * @author jotty
  * 
  */
 public class Main {
-	public static void main(String[] args) throws IOException {
+	public static void main(String[] args) throws Exception {
 		new Converter().readCsv(args[1]).writeCamt();
 	}
 }
diff --git a/src/main/java/de/jottyfan/csv2camt/xml/CamtWriter.java b/src/main/java/de/jottyfan/csv2camt/xml/CamtWriter.java
index 0ca0b06..4656c17 100644
--- a/src/main/java/de/jottyfan/csv2camt/xml/CamtWriter.java
+++ b/src/main/java/de/jottyfan/csv2camt/xml/CamtWriter.java
@@ -1,6 +1,20 @@
 package de.jottyfan.csv2camt.xml;
 
+import java.io.FileWriter;
+import java.io.StringWriter;
+
+import javax.xml.parsers.DocumentBuilder;
+import javax.xml.parsers.DocumentBuilderFactory;
+import javax.xml.transform.Transformer;
+import javax.xml.transform.TransformerFactory;
+import javax.xml.transform.dom.DOMSource;
+import javax.xml.transform.stream.StreamResult;
+
+import org.w3c.dom.Document;
+import org.w3c.dom.Element;
+
 import de.jottyfan.csv2camt.csv.CsvBean;
+import de.jottyfan.csv2camt.csv.CsvLine;
 
 /**
  * 
@@ -9,8 +23,183 @@ import de.jottyfan.csv2camt.csv.CsvBean;
  */
 public class CamtWriter {
 
-	public void write(CsvBean bean, String filename) {
+	protected Document generateXml(CsvBean bean) throws Exception {
+		if (bean.getIban() == null || bean.getIban().length() < 10){
+			throw new Exception(String.format("invalid iban: %s", bean.getIban()));
+		} else if (bean.getKontostandFinal() == null) {
+			throw new Exception("no kontostandFinal");
+		}
 		
+		DocumentBuilderFactory factory = DocumentBuilderFactory.newInstance();
+		DocumentBuilder builder = factory.newDocumentBuilder();
+
+		Document xml = builder.newDocument();
+		xml.setXmlStandalone(true);
+
+		Element document = xml.createElement("Document");
+		document.setAttribute("xmlns", "urn:iso:std:iso:20022:tech:xsd:camt.052.001.06");
+		xml.appendChild(document);
+
+		Element BkToCstmrAcctRpt = xml.createElement("BkToCstmrAcctRpt");
+		document.appendChild(BkToCstmrAcctRpt);
+
+		Element GrpHdr = xml.createElement("GrpHdr");
+		BkToCstmrAcctRpt.appendChild(GrpHdr);
+
+		Element MsgId = xml.createElement("MsgId");
+		StringBuilder buf = new StringBuilder("KtoNr");
+		buf.append(bean.getIban().substring(bean.getIban().length() - 10));
+		buf.append("_");
+		buf.append(bean.getKontostandDatum().replace(".", "-"));
+		buf.append("_0000"); // no creation time in csv
+		MsgId.setTextContent(buf.toString());
+		GrpHdr.appendChild(MsgId);
+
+		Element CreDtTm = xml.createElement("CreDtTm");
+		buf = new StringBuilder();
+		buf.append(bean.getKontostandDatum().replace(".", "-"));
+		buf.append("T00:00:00.000+02:00"); // no creation time in csv
+		CreDtTm.setTextContent(buf.toString());
+		GrpHdr.appendChild(CreDtTm);
+
+		Element MsgRcpt = xml.createElement("MsgRcpt");
+		GrpHdr.appendChild(MsgRcpt);
+
+		Element Nm = xml.createElement("Nm");
+		Nm.setTextContent("Evangelische-Freikirchliche Gemeinde Dresden Süd-Ost");
+		MsgRcpt.appendChild(Nm);
+
+		Element Rpt = xml.createElement("Rpt");
+		BkToCstmrAcctRpt.appendChild(Rpt);
+		
+		Element Id = xml.createElement("Id");
+		Id.setTextContent(MsgId.getTextContent());
+		Rpt.appendChild(Id);
+
+		Rpt.appendChild(CreDtTm.cloneNode(true));
+
+		Element Acct = xml.createElement("Acct");
+		Rpt.appendChild(Acct);
+		
+		Element AcctId = xml.createElement("Id");
+		Acct.appendChild(AcctId);
+		
+		Element IBAN = xml.createElement("IBAN");
+		IBAN.setTextContent(bean.getIban());
+		AcctId.appendChild(IBAN);
+
+		Element Bal = xml.createElement("Bal");
+		Rpt.appendChild(Bal);
+		
+		Element Tp = xml.createElement("Tp");
+		Bal.appendChild(Tp);
+		
+		Element CdOrPrtry = xml.createElement("CdOrPrtry");
+		Tp.appendChild(CdOrPrtry);
+		
+		Element Cd = xml.createElement("Cd");
+		Cd.setTextContent("CLAV");
+		CdOrPrtry.appendChild(Cd);
+		
+		Element Amt = xml.createElement("Amt");
+		Amt.setAttribute("Ccy", bean.getWaehrung());
+		Amt.setTextContent(bean.getKontostandFinal().replace(".", "").replace(",", ".")); // not sure if correct...
+		Bal.appendChild(Amt);
+		
+		Element CdtDbtInd = xml.createElement("CdtDbtInd");
+		CdtDbtInd.setTextContent("CRDT");
+		Bal.appendChild(CdtDbtInd);
+		
+		Element Dt = xml.createElement("Dt");
+		Bal.appendChild(Dt);
+		
+		Element DtTm = xml.createElement("DtTm");
+		DtTm.setTextContent(CreDtTm.getTextContent());
+		Dt.appendChild(DtTm);
+		
+		for (CsvLine trans : bean.getList()) {
+			Element Ntry = xml.createElement("Ntry");
+			Rpt.appendChild(Ntry);
+			
+			Element NtryAmt = xml.createElement("Amt");
+			NtryAmt.setAttribute("Ccy", trans.Waehrung());
+			NtryAmt.setTextContent(trans.Betrag().replace(".", "").replace(",", "."));
+			Ntry.appendChild(NtryAmt);
+			
+		}
+		
+		// TODO: add the rest, the Ntry elements, as children of Rpt
+//		<Ntry>
+//		<Amt Ccy="EUR">128.00</Amt>
+//		<CdtDbtInd>CRDT</CdtDbtInd>
+//		<Sts>BOOK</Sts>
+//		<BookgDt>
+//			<Dt>2023-03-31</Dt>
+//		</BookgDt>
+//		<ValDt>
+//			<Dt>2023-03-31</Dt>
+//		</ValDt>
+//		<BkTxCd>
+//			<Domn>
+//				<Cd>PMNT</Cd>
+//				<Fmly>
+//					<Cd>RCDT</Cd>
+//					<SubFmlyCd>ESCT</SubFmlyCd>
+//				</Fmly>
+//			</Domn>
+//			<Prtry>
+//				<Cd>NTRF+166</Cd>
+//				<Issr>DK</Issr>
+//			</Prtry>
+//		</BkTxCd>
+//		<NtryDtls>
+//			<TxDtls>
+//				<Amt Ccy="EUR">128.00</Amt>
+//				<CdtDbtInd>CRDT</CdtDbtInd>
+//				<BkTxCd>
+//					<Domn>
+//						<Cd>PMNT</Cd>
+//						<Fmly>
+//							<Cd>RCDT</Cd>
+//							<SubFmlyCd>ESCT</SubFmlyCd>
+//						</Fmly>
+//					</Domn>
+//					<Prtry>
+//						<Cd>NTRF+166</Cd>
+//						<Issr>DK</Issr>
+//					</Prtry>
+//				</BkTxCd>
+//				<RltdPties>
+//					<Dbtr>
+//						<Nm>Mickey Mouse</Nm>
+//					</Dbtr>
+//					<Cdtr>
+//						<Nm>Evangelische-Freikirchliche Gemeinde Dresden Süd-Ost</Nm>
+//					</Cdtr>
+//				</RltdPties>
+//				<RmtInf>
+//					<Ustrd>Referenz NOTPROVIDED</Ustrd>
+//					<Ustrd>Gemeindefreizeit</Ustrd>
+//				</RmtInf>
+//			</TxDtls>
+//		</NtryDtls>
+//	</Ntry>
+
+		return xml;
 	}
 
+	public void write(CsvBean bean, String filename) throws Exception {
+		Document document = generateXml(bean);
+		TransformerFactory tf = TransformerFactory.newInstance();
+		Transformer transformer = tf.newTransformer();
+		StringWriter writer = new StringWriter();
+		transformer.transform(new DOMSource(document), new StreamResult(writer));
+
+		String xmlString = writer.toString();
+
+		try (FileWriter fileWriter = new FileWriter(filename)) {
+			fileWriter.write(xmlString);
+			fileWriter.flush();
+		}
+	}
 }
diff --git a/src/test/java/de/jottyfan/csv2camt/xml/TestCamtWriter.java b/src/test/java/de/jottyfan/csv2camt/xml/TestCamtWriter.java
new file mode 100644
index 0000000..deb7fe6
--- /dev/null
+++ b/src/test/java/de/jottyfan/csv2camt/xml/TestCamtWriter.java
@@ -0,0 +1,31 @@
+package de.jottyfan.csv2camt.xml;
+
+import static org.junit.jupiter.api.Assertions.assertTrue;
+
+import org.junit.jupiter.api.Test;
+
+import de.jottyfan.csv2camt.csv.CsvBean;
+import de.jottyfan.csv2camt.csv.CsvLine;
+
+/**
+ * 
+ * @author jotty
+ * 
+ */
+public class TestCamtWriter {
+	@Test
+	public void testWrite() throws Exception {
+		CamtWriter writer = new CamtWriter();
+		CsvBean bean = new CsvBean();
+		bean.setIban("DE12345678901234567890");
+		bean.setKontostandDatum("01-02-2003");
+		bean.setKontostandFinal("12345,67");
+		bean.setWaehrung("EUR");
+		bean.getList().add(new CsvLine("31.3.2023", "31.3.2023", "SEPA Überweisung", "Mickey Mouse", "Gemeindefreizeit",
+				"DE98765432109876543210", null, "NOTPROVIDED", null, null, null, "128,00", null, null, null, null, "128", "EUR"));
+		bean.getList().add(new CsvLine("31.3.2023", "31.3.2023", "SEPA Überweisung", "Donald Duck", "Gemeindefreizeit",
+				"DE98765432109876543210", null, "NOTPROVIDED", null, null, null, "64,00", null, null, null, null, "64", "EUR"));
+		writer.write(bean, "/home/jotty/Schreibtisch/example.xml");
+		assertTrue(true);
+	}
+}