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ISO 20022 bank transaction code

PMNT/CNTR/CDPT: Cash deposit at the counter

Cash paid in at the bank’s counter (or into a safe at the bank). Under the card family (CCRD) the same sub-family is a deposit at an ATM.

PMNT/CNTR/CDPT at a glance
DomainPMNT Payments
FamilyCNTR Counter Transactions
Sub-familyCDPT Cash Deposit
DirectionCredit (money in): CdtDbtInd CRDT
MT940 type with the same meaningNone that matches reliably

What PMNT/CNTR/CDPT means

A bank transaction code classifies an entry in three levels, each narrower than the last. Read together, PMNT/CNTR/CDPT reads Payments › Counter Transactions › Cash Deposit.

  • PMNT (Payments). Every movement of funds between parties, such as transfers, direct debits, cheques, cards and cash.
  • CNTR (Counter Transactions). Cash paid in or taken out at the bank’s counter.
  • CDPT (Cash Deposit).

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>PMNT</Cd>
      <Fmly>
        <Cd>CNTR</Cd>
        <SubFmlyCd>CDPT</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

Use the deposit slip number or the date and amount to match it; the reference is whatever the bank recorded at the counter.

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/CNTR/CDPT 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%2FCNTR%2FCDPT'