pacs.009.001.10 — Kreditöverföring mellan finansinstitut

Fält	Värde
ISO-namn	FinancialInstitutionCreditTransferV10
Registreringsstatus	Registered
År	2019
Version	10

Översikt

The pacs.009 message moves funds between banks on their own behalf. It supports funding, cover payments, and liquidity management.

Last reviewed against primary sources on 23 March 2026. ISO 20022 catalogue reference date: 2025-02-27; source links are listed below.

Nyckeldataelement

• GrpHdr — Group Header with message identification and settlement information
• CdtTrfTxInf — Credit Transfer Transaction Information with interbank settlement amount
• Dbtr / DbtrAgt — Debtor institution and its agent identification
• Cdtr / CdtrAgt — Creditor institution and its agent identification
• IntrBkSttlmAmt — Interbank Settlement Amount in the settlement currency

Affärskontext

• Used for bank-to-bank own-account transfers and cover payments
• Supports liquidity management between correspondent banks
• Carries the cover leg of customer credit transfers
• Supports treasury and funding operations

Key data elements and business context

Nyckeldataelement	Affärskontext
GrpHdr — Group Header with message identification and settlement information	Used for bank-to-bank own-account transfers and cover payments
CdtTrfTxInf — Credit Transfer Transaction Information with interbank settlement amount	Supports liquidity management between correspondent banks
Dbtr / DbtrAgt — Debtor institution and its agent identification	Carries the cover leg of customer credit transfers
Cdtr / CdtrAgt — Creditor institution and its agent identification	Supports treasury and funding operations
IntrBkSttlmAmt — Interbank Settlement Amount in the settlement currency	The debtor bank sends pacs.009 to the creditor bank to transfer its own funds. In cover flows, pacs.009 carries the funding leg while pacs.008 carries the customer instruction on a separate path.

CBPR+- och schemakontext

• Replaces MT202 and MT202COV for institution-to-institution transfers
• Cover-method flows pair pacs.009 with the underlying pacs.008 instruction
• Structured party data and LEI identification matter more often
• SWIFT gpi also covers pacs.009

Meddelandeflöde

The debtor bank sends pacs.009 to the creditor bank to transfer its own funds. In cover flows, pacs.009 carries the funding leg while pacs.008 carries the customer instruction on a separate path.

Primary references

• ISO 20022 message definitions catalogue for pacs.009.001.10
• SWIFT CBPR+ ISO 20022 usage-guidelines announcement
• SWIFT CBPR+ migration roadmap PDF
• SWIFT CBPR+ pacs.009 overview
• SWIFT CBPR+ cover-method pacs.008/pacs.009 guidance

Relaterade meddelanden

Message type	Description	Översikt
pacs.008.001.13	Kundkreditöverföring mellan finansinstitut	The pacs.008 message is the main customer credit-transfer instruction between banks. It carries party, amount, and remittance data.
pacs.002.001.12	Statusrapport för betalning mellan finansinstitut	The pacs.002 message reports the status of an earlier payment instruction. It tells another institution whether the payment was accepted, rejected, pending, or settled.
pacs.010.001.05	Autogiro mellan finansinstitut	The pacs.010 message lets one financial institution debit another institution's own account. It is for bank-to-bank collections, not customer direct debits.