pacs.008.001.13 — Gbígbé owó àṣẹ fún oníbàárà láàárín àwọn ilé-iṣẹ́ ìṣúná

Àkópọ̀

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.

Àwọn ẹ̀ka dátà pàtàkì

• 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

Ìpò ìṣòwò

• 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

Ìpò CBPR+ àti ètò

• 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

Ṣíṣàn ìfiránṣẹ́

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

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