pacs.010.001.05 — Autogiro mellan finansinstitut

Fält	Värde
ISO-namn	FinancialInstitutionDirectDebitV05
Registreringsstatus	Registered
År	2019
Version	5

Översikt

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.

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
• DrctDbtTxInf — Direct Debit Transaction Information with collection amount
• Cdtr / CdtrAgt — Creditor institution and its agent identification
• Dbtr / DbtrAgt — Debtor institution and its agent identification
• IntrBkSttlmAmt — Interbank Settlement Amount in the settlement currency

Affärskontext

• Supports bank-to-bank direct-debit collection
• Used for fees, margin calls, and similar obligations
• Needs a bilateral agreement between the banks
• Often sits in treasury or liquidity operations

Key data elements and business context

Nyckeldataelement	Affärskontext
GrpHdr — Group Header with message identification and settlement information	Supports bank-to-bank direct-debit collection
DrctDbtTxInf — Direct Debit Transaction Information with collection amount	Used for fees, margin calls, and similar obligations
Cdtr / CdtrAgt — Creditor institution and its agent identification	Needs a bilateral agreement between the banks
Dbtr / DbtrAgt — Debtor institution and its agent identification	Often sits in treasury or liquidity operations
IntrBkSttlmAmt — Interbank Settlement Amount in the settlement currency	The collecting bank sends pacs.010 under a bilateral agreement. The receiving bank checks the request and either settles or rejects it.

CBPR+- och schemakontext

• It maps older interbank direct-debit processing into ISO 20022.
• It follows the same structured party-data rules as other pacs messages.
• Bank identifiers such as BIC and LEI still need validation.
• It appears in wider ISO 20022 migration plans.

Meddelandeflöde

The collecting bank sends pacs.010 under a bilateral agreement. The receiving bank checks the request and either settles or rejects it.

Primary references

• ISO 20022 message definitions catalogue for pacs.010.001.05
• SWIFT CBPR+ ISO 20022 usage-guidelines announcement
• SWIFT CBPR+ migration roadmap PDF

Relaterade meddelanden

Message type	Description	Översikt
pacs.009.001.10	Kreditöverföring mellan finansinstitut	The pacs.009 message moves funds between banks on their own behalf. It supports funding, cover payments, and liquidity management.
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.003.001.09	Autogiro för kund mellan finansinstitut	The pacs.003 message carries a customer direct debit between banks. It lets the creditor bank collect funds from the debtor bank.