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ISO 20022 bank transaction code

PMNT/ICDT/RRTN: Returned credit transfer

A credit transfer you sent has come back: the payee’s bank returned it (a closed or wrong account, for example), or it was reimbursed. The money is credited back to your account.

PMNT/ICDT/RRTN at a glance
DomainPMNT Payments
FamilyICDT Issued Credit Transfers
Sub-familyRRTN Reversal Due to Payment Return
DirectionCredit (money in): CdtDbtInd CRDT
MT940 type with the same meaningNRTI Returned item

What PMNT/ICDT/RRTN means

A bank transaction code classifies an entry in three levels, each narrower than the last. Read together, PMNT/ICDT/RRTN reads Payments › Issued Credit Transfers › Reversal Due to Payment Return.

  • 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.
  • RRTN (Reversal Due to Payment Return).

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>ICDT</Cd>
        <SubFmlyCd>RRTN</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

The return reason is in TxDtls/RtrInf/Rsn/Cd (AC04 closed account, AC01 wrong account number and so on), and the original end-to-end id lets you find the payment that bounced. Some banks also set the reversal indicator (RvslInd) on the entry. The amount can be lower than you sent if banks charged for the return.

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 NRTI (Returned item). 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/RRTN 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%2FRRTN'