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ISO 20022 bank transaction code

PMNT/ICDT/STDO: Issued standing order

A payment made by a standing order: an instruction you gave your bank once to pay the same payee at fixed intervals, such as rent or a loan instalment.

PMNT/ICDT/STDO at a glance
DomainPMNT Payments
FamilyICDT Issued Credit Transfers
Sub-familySTDO Standing Order
DirectionDebit (money out): CdtDbtInd DBIT
MT940 type with the same meaningNSTO Standing order

What PMNT/ICDT/STDO means

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

  • 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.
  • STDO (Standing Order).

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>STDO</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

Standing orders are set up in online banking rather than sent as files, so there is often no end-to-end id of yours to match: use the payee and the amount, or the reference given when the order was created.

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 NSTO (Standing order). 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/STDO 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%2FSTDO'