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ISO 20022 bank transaction code

PMNT/RCHQ/CCHQ: Cheque paid in

A cheque you deposited, credited after it was settled.

PMNT/RCHQ/CCHQ at a glance
DomainPMNT Payments
FamilyRCHQ Received Cheques
Sub-familyCCHQ Cheque
DirectionCredit (money in): CdtDbtInd CRDT
MT940 type with the same meaningNCHK Cheques

What PMNT/RCHQ/CCHQ means

A bank transaction code classifies an entry in three levels, each narrower than the last. Read together, PMNT/RCHQ/CCHQ reads Payments › Received Cheques › Cheque.

  • PMNT (Payments). Every movement of funds between parties, such as transfers, direct debits, cheques, cards and cash.
  • RCHQ (Received Cheques). Cheques paid in by the account owner.
  • CCHQ (Cheque).

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>RCHQ</Cd>
        <SubFmlyCd>CCHQ</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 cheque number is in TxDtls/Refs/ChqNb when the bank reports it. A cheque credited before it has cleared is reported as URCQ (cheque under reserve) instead, and a bounced one comes back as a separate debit.

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 NCHK (Cheques). 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/RCHQ/CCHQ 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%2FRCHQ%2FCCHQ'