FITOFICSTMRCDTTRF

FIToFICstmrCdtTrf is the root element of the ISO 20022 pacs.008 message that carries an interbank customer credit transfer between two banks.

Definition

<FIToFICstmrCdtTrf> is the root of pacs.008.001.xx. It contains one <GrpHdr> and one or more <CdtTrfTxInf>. This is the direct ISO 20022 equivalent of MT 103 and the pivot message of the cross-border CBPR+ migration.

Origin

Introduced in pacs.008.001.01 (2009). Version pacs.008.001.10 published in 2022 for the November 2025 cross-border migration.

Use

On the new Cross-Border Payments Platform, a French bank sends a pacs.008.001.10 containing a <FIToFICstmrCdtTrf> with its <GrpHdr> (MessageId, NbOfTxs, CtrlSum) and <CdtTrfTxInf> detailing debtor, creditor, amount and remittance.

Related terms

• ISO 20022 — the parent standard.
• MT tag 32A — SWIFT MT ancestor.
• CdtTrfTxInf — transaction detail.
• GrpHdr — group header.