Migration deadlines, the MT ⇄ MX map, and how versions move.
Open in the interactive Academy →| 2004 | ISO 20022 is published The standard exists — a shared data dictionary plus a method for building messages. The successor to MT is defined nearly two decades before it’s enforced. |
| March 2023 | Coexistence begins MT and MX both become legal on the cross-border network. Every receiver must cope with either — the three-year bridge that lets the cautious translate while the ambitious go native. |
| 22 Nov 2025 | MT retired for cross-border payments Acceptance of the in-scope payment & cash MT messages (MT 1xx/2xx/9xx) ends for cross-border under CBPR+. MT103 → pacs.008 and friends are now the only way across. |
| November 2026 | Structured addresses mandatory CBPR+ stops accepting free-text-only addresses for in-scope parties and agents. Town and country must be structured — the field where the next deadline lives. |
| November 2026 | Case Management: mandatory to receive You must be able to receive a camt.110 investigation request through Case Management — with an embedded MT199 and in-flow translation as a bridge for the long tail. |
| November 2027 | ISO-only: legacy retired In-flow translation ends. Investigations go ISO-only (camt.110/111), and the legacy exceptions-&-investigations MT (MT192/195/196/199 and cousins) are retired for that purpose. |
| Legacy MT | ISO 20022 | What it is |
|---|---|---|
MT103 | pacs.008 | Customer credit transfer (the workhorse) |
MT103 RETN | pacs.004 | Payment return |
MT101 | pain.001 | Request for transfer / credit transfer initiation |
MT104 | pain.008 | Direct debit (pull) |
MT202 / MT205 | pacs.009 | FI-to-FI transfer (bank’s own money) |
MT202COV | pacs.009 COV | Cover payment behind a customer transfer |
MT940 | camt.053 | End-of-day statement |
MT950 | camt.053 | Statement (no customer detail) |
MT942 | camt.052 | Intraday / interim report |
MT900 | camt.054 | Debit confirmation |
MT910 | camt.054 | Credit confirmation |
MT192 / MT292 | camt.056 | Cancellation request (recall) |
MT196 / MT296 | camt.029 | Resolution of investigation (answer) |
MT199 / MT299 | camt.110 / .111 | Free-format → structured investigation |
n/a (status) | pacs.002 / pain.002 | Payment status report |