Finance

ISO 20022

• a international standard for communication in financial systems.
• widely adopted by financial institutes world wide
• clear standardized format, efficient, real-time processing (RTP), flexible,
• example:

<Document>
  <CstmrCdtTrf>
    <GrpHdr>
      <MsgId>MSGID12345</MsgId>
      <CreDtTm>2023-11-22T10:15:30</CreDtTm>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>1000.00</CtrlSum>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>PMTINF12345</PmtInfId>
      <PmtMtd>TRF</PmtMtd>
      <PmtTpInf>
        <SvcLvl>NORM</SvcLvl>
      </PmtTpInf>
      <Dbtr>
        <Nm>Sender Name</Nm>
        <Acct>
          <Id>Sender Account Number</Id>
          <IBAN>Sender IBAN</IBAN>
        </Acct>
      </Dbtr>
      <DbtrAcct>
        <Id>Sender Account Number</Id>
        <IBAN>Sender IBAN</IBAN>
      </DbtrAcct>
      <DbtrAgt>
        <FinInstnId>
          <BIC>Sender Bank BIC</BIC>
        </FinInstnId>
      </DbtrAgt>
      <CdtTrfTxInf>
        <PmtId>
          <InstrId>Payment Instruction ID</InstrId>
          <EndToEndId>End-to-End ID</EndToEndId>
        </PmtId>
        <Amt>
          <InstdAmt Ccy="EUR">1000.00</InstdAmt>
        </Amt>
        <CdtrAgt>
          <FinInstnId>
            <BIC>Receiver Bank BIC</BIC>
          </FinInstnId>
        </CdtrAgt>
        <Cdtr>
          <Nm>Receiver Name</Nm>
          <Acct>
            <Id>Receiver Account Number</Id>
            <IBAN>Receiver IBAN</IBAN>
          </Acct>
        </Cdtr>
        <CdtrAcct>
          <Id>Receiver Account Number</Id>
          <IBAN>Receiver IBAN</IBAN>
        </CdtrAcct>
        <RmtInf>
          <Ustrd>Payment Remittance Information</Ustrd>
        </RmtInf>
      </CdtTrfTxInf>
    </PmtInf>
  </CstmrCdtTrf>
</Document>