Skip to content
ISO 20022 Navigator
Donate

ISO 20022 bank transaction code

PMNT/CCRD/CWDL: ATM cash withdrawal

Cash taken from an ATM with the account’s card. (Under the counter transactions family, CNTR, the same sub-family is a withdrawal at the bank’s counter.)

PMNT/CCRD/CWDL at a glance
DomainPMNT Payments
FamilyCCRD Customer Card Transactions
Sub-familyCWDL Cash Withdrawal
DirectionDebit (money out): CdtDbtInd DBIT
MT940 type with the same meaningNone that matches reliably

What PMNT/CCRD/CWDL means

A bank transaction code classifies an entry in three levels, each narrower than the last. Read together, PMNT/CCRD/CWDL reads Payments › Customer Card Transactions › Cash Withdrawal.

  • PMNT (Payments). Every movement of funds between parties, such as transfers, direct debits, cheques, cards and cash.
  • CCRD (Customer Card Transactions). Payments and cash with the account owner’s debit or credit card.
  • CWDL (Cash Withdrawal).

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>DBIT</CdtDbtInd>
  <Sts><Cd>BOOK</Cd></Sts>
  <BkTxCd>
    <Domn>
      <Cd>PMNT</Cd>
      <Fmly>
        <Cd>CCRD</Cd>
        <SubFmlyCd>CWDL</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

Card withdrawals may carry the ATM’s location or terminal in AddtlNtryInf or CardTx; a fee charged for the withdrawal can be a separate entry.

In an MT940

An MT940 has no ISO code: each :61: statement line carries a three-letter transaction type, and none of them matches this code reliably; banks often use a generic one such as NTRF or NMSC.

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 PMNT/CCRD/CWDL 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=PMNT%2FCCRD%2FCWDL'