pacs.008.001.13 — Credit transfer ng kliyente sa pagitan ng mga institusyong pinansyal

Field	Halaga
Pangalang ISO	FIToFICustomerCreditTransferV13
Katayuan ng rehistrasyon	Registered
Taon	2023
Bersyon	13

Pangkalahatang-ideya

The pacs.008 message is the main customer credit-transfer instruction between banks. It carries party, amount, and remittance data.

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

Mga pangunahing elemento ng datos

• GrpHdr — Group Header with message ID, creation date, number of transactions, and settlement information
• CdtTrfTxInf — Credit Transfer Transaction Information with amount, charges, and purpose
• Dbtr / DbtrAgt — Debtor and Debtor Agent identification and account details
• Cdtr / CdtrAgt — Creditor and Creditor Agent identification and account details
• RmtInf — Remittance Information for structured or unstructured payment references

Konteksto ng negosyo

• Main message for customer credit transfers
• Used across SEPA, CBPR+, and national clearing systems
• Carries remittance data for reconciliation
• Supports serial, cover, and direct settlement methods

Key data elements and business context

Mga pangunahing elemento ng datos	Konteksto ng negosyo
GrpHdr — Group Header with message ID, creation date, number of transactions, and settlement information	Main message for customer credit transfers
CdtTrfTxInf — Credit Transfer Transaction Information with amount, charges, and purpose	Used across SEPA, CBPR+, and national clearing systems
Dbtr / DbtrAgt — Debtor and Debtor Agent identification and account details	Carries remittance data for reconciliation
Cdtr / CdtrAgt — Creditor and Creditor Agent identification and account details	Supports serial, cover, and direct settlement methods
RmtInf — Remittance Information for structured or unstructured payment references	The debtor agent sends pacs.008 to the creditor agent, either directly or through intermediaries. Each agent checks and forwards the instruction until the creditor agent credits the beneficiary.

Konteksto ng CBPR+ at schema

• Replaces MT103 and MT103+ for cross-border customer credit transfers
• The November 2026 structured-address deadline applies to party addresses
• SWIFT gpi uses pacs.008 for UETR-based tracking
• Version 13 is the current catalogue revision

Daloy ng mensahe

The debtor agent sends pacs.008 to the creditor agent, either directly or through intermediaries. Each agent checks and forwards the instruction until the creditor agent credits the beneficiary.

Primary references

• ISO 20022 message definitions catalogue for pacs.008.001.13
• SWIFT CBPR+ ISO 20022 usage-guidelines announcement
• SWIFT CBPR+ migration roadmap PDF
• EPC SEPA Credit Transfer rulebook
• EPC SEPA Instant Credit Transfer rulebook
• SWIFT CBPR+ pacs.008 overview
• SWIFT CBPR+ serial-method pacs.008 guidance
• SWIFT CBPR+ cover-method pacs.008/pacs.009 guidance
• SWIFT CBPR+ roadmap and standards programme

Mga sinusuportahang bersyon

Bersyon	Katayuan
pacs.008.001.01
pacs.008.001.02
pacs.008.001.03
pacs.008.001.04
pacs.008.001.05
pacs.008.001.06
pacs.008.001.07
pacs.008.001.08
pacs.008.001.09
pacs.008.001.10
pacs.008.001.11
pacs.008.001.12
pacs.008.001.13	Kasalukuyan

Mga kaugnay na mensahe

Message type	Description	Pangkalahatang-ideya
pacs.002.001.12	Ulat ng kalagayan ng pagbabayad sa pagitan ng mga institusyong pinansyal	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.004.001.11	Pagbabalik ng bayad	The pacs.004 message returns a payment that has already settled. It sends funds back when a payment cannot be applied.
pacs.009.001.10	Credit transfer sa pagitan ng mga institusyong pinansyal	The pacs.009 message moves funds between banks on their own behalf. It supports funding, cover payments, and liquidity management.