pacs · ISO 20022 message

pacs.008

FI-to-FI Customer Credit Transfer — The interbank workhorse: moves a customer’s payment between banks. One of the most travelled messages in finance.

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Full identifier: pacs.008.001.08
MT predecessor: MT103
Direction: Bank → Bank

Elements

Document FIToFICstmrCdtTrf GrpHdr MsgId CreDtTm NbOfTxs SttlmInf SttlmMtd InstgAgt FinInstnId BICFI InstdAgt CdtTrfTxInf PmtId InstrId EndToEndId UETR IntrBkSttlmAmt IntrBkSttlmDt ChrgBr Dbtr Nm DbtrAgt CdtrAgt Cdtr RmtInf Ustrd

Sample

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.008.001.08">
  <FIToFICstmrCdtTrf>
    <GrpHdr>
      <MsgId>EBILAEAD-20260627-000400</MsgId>
      <CreDtTm>2026-06-27T09:30:00+04:00</CreDtTm>
      <NbOfTxs>1</NbOfTxs>
      <SttlmInf><SttlmMtd>INDA</SttlmMtd></SttlmInf>
      <InstgAgt><FinInstnId><BICFI>EBILAEAD</BICFI></FinInstnId></InstgAgt>
      <InstdAgt><FinInstnId><BICFI>HDFCINBB</BICFI></FinInstnId></InstdAgt>
    </GrpHdr>
    <CdtTrfTxInf>
      <PmtId>
        <InstrId>EBILAEAD-INSTR-0400</InstrId>
        <EndToEndId>BOB-INV0042</EndToEndId>
        <UETR>eb6305c9-1f7c-4a9b-9b1e-2c2f4e7a91d4</UETR>
      </PmtId>
      <IntrBkSttlmAmt Ccy="USD">400.00</IntrBkSttlmAmt>
      <IntrBkSttlmDt>2026-06-27</IntrBkSttlmDt>
      <ChrgBr>SHAR</ChrgBr>
      <Dbtr><Nm>Bob Marsh</Nm></Dbtr>
      <DbtrAgt><FinInstnId><BICFI>EBILAEAD</BICFI></FinInstnId></DbtrAgt>
      <CdtrAgt><FinInstnId><BICFI>HDFCINBB</BICFI></FinInstnId></CdtrAgt>
      <Cdtr><Nm>Sweety Rao</Nm></Cdtr>
      <RmtInf><Ustrd>Invoice 0042 - June freelance</Ustrd></RmtInf>
    </CdtTrfTxInf>
  </FIToFICstmrCdtTrf>
</Document>

Part of the ISO 20022 Dictionary — the reference layer of ISO 20022 Academy. Written by Revanth Sai Rayapati.