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ISO 20022 bank transaction code

PMNT/RCDT/XBCT: Received cross-border credit transfer

Money received from abroad: a cross-border credit transfer, typically a SWIFT payment that may have passed through intermediary banks.

PMNT/RCDT/XBCT at a glance
DomainPMNT Payments
FamilyRCDT Received Credit Transfers
Sub-familyXBCT Cross-Border Credit Transfer
DirectionCredit (money in): CdtDbtInd CRDT
MT940 type with the same meaningNTRF Transfer

What PMNT/RCDT/XBCT means

A bank transaction code classifies an entry in three levels, each narrower than the last. Read together, PMNT/RCDT/XBCT reads Payments › Received Credit Transfers › Cross-Border Credit Transfer.

  • PMNT (Payments). Every movement of funds between parties, such as transfers, direct debits, cheques, cards and cash.
  • RCDT (Received Credit Transfers). Money a payer sent to the account owner.
  • XBCT (Cross-Border Credit Transfer).

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>RCDT</Cd>
        <SubFmlyCd>XBCT</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

Look for the UETR (TxDtls/Refs/UETR), the reference that tracks the payment across banks. If banks on the way took fees, the booked amount is lower than what the payer sent: the instructed amount is in TxDtls/AmtDtls and the fees, when reported, in Chrgs. A currency conversion shows in AmtDtls with the exchange rate.

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/RCDT/XBCT 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%2FRCDT%2FXBCT'