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ISO 20022 bank transaction code

PMNT/ICDT/ESCT: Issued SEPA credit transfer

A SEPA credit transfer you sent: a euro payment debited from your account, usually one you initiated in a pain.001 with service level SEPA.

PMNT/ICDT/ESCT at a glance
DomainPMNT Payments
FamilyICDT Issued Credit Transfers
Sub-familyESCT SEPA Credit Transfer
DirectionDebit (money out): CdtDbtInd DBIT
MT940 type with the same meaningNTRF Transfer

What PMNT/ICDT/ESCT means

A bank transaction code classifies an entry in three levels, each narrower than the last. Read together, PMNT/ICDT/ESCT reads Payments › Issued Credit Transfers › SEPA Credit Transfer.

  • PMNT (Payments). Every movement of funds between parties, such as transfers, direct debits, cheques, cards and cash.
  • ICDT (Issued Credit Transfers). Payments the account owner sent.
  • ESCT (SEPA Credit Transfer).

With batch booking (BtchBookg true in the pain.001) the whole payment block is one debit on the statement; the single payments are in its TxDtls or in a camt.054.

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>ICDT</Cd>
        <SubFmlyCd>ESCT</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

Match the entry to your payment file by the end-to-end id you set (TxDtls/Refs/EndToEndId) and, where the bank reports them, your instruction id and payment information id. The payee is in RltdPties/Cdtr and CdtrAcct.

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 NTRF (Transfer). 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 PMNT/ICDT/ESCT 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%2FICDT%2FESCT'