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ISO 20022 bank transaction code

ACMT/MCOP/INTR: Credit interest

Interest the bank paid on the account’s credit balance.

ACMT/MCOP/INTR at a glance
DomainACMT Account Management
FamilyMCOP Miscellaneous Credit Operations
Sub-familyINTR Interests
DirectionCredit (money in): CdtDbtInd CRDT
MT940 type with the same meaningNINT Interest

What ACMT/MCOP/INTR means

A bank transaction code classifies an entry in three levels, each narrower than the last. Read together, ACMT/MCOP/INTR reads Account Management › Miscellaneous Credit Operations › Interests.

  • ACMT (Account Management). Operations between the bank and the account owner on the account itself, such as fees, charges and interest.
  • MCOP (Miscellaneous Credit Operations). Credits that are not a payment from a third party, such as interest or a reimbursement.
  • INTR (Interests).

Where it sits in a camt.053

The code is in each entry’s BkTxCd/Domn block, the same way in camt.052, camt.053 and camt.054 and in every version from .001.02 to .001.13:

camt.053.001.08 · an entry
<Ntry>
  <Amt Ccy="EUR">1250.00</Amt>
  <CdtDbtInd>CRDT</CdtDbtInd>
  <Sts><Cd>BOOK</Cd></Sts>
  <BkTxCd>
    <Domn>
      <Cd>ACMT</Cd>
      <Fmly>
        <Cd>MCOP</Cd>
        <SubFmlyCd>INTR</SubFmlyCd>
      </Fmly>
    </Domn>
  </BkTxCd>
  …
</Ntry>

Banks may add their own code in BkTxCd/Prtry, next to the ISO code or instead of it (a German bank’s three-digit business transaction code, for example). Prefer the ISO code for rules that should work across banks.

What the entry carries

Usually one entry per interest period. Tax withheld on the interest, where it applies, may be a separate debit (TAXE).

In an MT940

An MT940 has no ISO code: each :61: statement line carries a three-letter transaction type after an identification letter. The one with the same meaning is NINT (Interest). It is coarser than the ISO code, so several ISO codes share it.

The MT940 Viewer converts MT940 to camt.053, and keeps the :61: type as a proprietary code (BkTxCd/Prtry, issuer SWIFT) rather than guessing an ISO code. All the types are in the MT940 transaction type codes.

Look up ACMT/MCOP/INTR from a script or an AI agent

Scripts and AI agents get this code’s name, definition, where it sits and the address of this page from GET /api/v1/explain, keyless, or from the explain_code tool of the MCP server (API and MCP docs; add it to Claude, Cursor or VS Code).

REST · curl
curl -s 'https://iso20022-navigator.com/api/v1/explain?code=ACMT%2FMCOP%2FINTR'