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ISO 20022 bank transaction code

PMNT/RRCT/ESCT: Received SEPA Instant credit transfer

Money received by SEPA Instant Credit Transfer: the real-time family (RRCT) with the SEPA sub-family. The funds were available within seconds of the payer sending them, at any hour.

PMNT/RRCT/ESCT at a glance
DomainPMNT Payments
FamilyRRCT Received Real-Time Credit Transfers
Sub-familyESCT SEPA Credit Transfer
DirectionCredit (money in): CdtDbtInd CRDT
MT940 type with the same meaningNTRF Transfer

What PMNT/RRCT/ESCT means

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

  • PMNT (Payments). Every movement of funds between parties, such as transfers, direct debits, cheques, cards and cash.
  • RRCT (Received Real-Time Credit Transfers). Money received by an instant payment, settled within seconds.
  • ESCT (SEPA Credit Transfer).

The real-time families are the ISO way to flag an instant payment, but some banks still report instant transfers under RCDT/ESCT, sometimes with a proprietary code that marks them as instant. Check your bank’s code list.

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>RRCT</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

Each transfer carries the payer’s end-to-end id (TxDtls/Refs/EndToEndId, NOTPROVIDED when the payer set none), the payer’s name and IBAN (RltdPties/Dbtr and DbtrAcct), the payer’s bank (RltdAgts/DbtrAgt) and remittance information: one line of up to 140 characters (RmtInf/Ustrd) or a structured creditor reference such as an RF reference (RmtInf/Strd/CdtrRefInf). Match on the remittance or the end-to-end id.

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/RRCT/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%2FRRCT%2FESCT'