Finance
33 columns
400 rows
8 formats

ISO20022 Financial Institution Credit Transfer (pacs.008)

This dataset provides comprehensive, standardized records of interbank financial institution credit transfers, including all key parties, transaction details, settlement information, and status tracking. It enables robust analysis, reconciliation, compliance monitoring, and operational reporting for high-value payments and real-time gross settlement environments.

last updated 29 Oct 2025
by GoMask

The brief that made it

Payment reconciliation and operational reporting

Sample rows

preview · 8 of 400 rows · all 33 columns

message_idstring	message_typestring	amountfloat	debtor_address_statestring	creation_datetimedatetime	transaction_referencestring	currencystring	value_datedate	debtor_namestring	debtor_bicstring	debtor_account_numberstring	debtor_address_streetstring	debtor_address_citystring	debtor_address_postal_codestring	debtor_address_countrystring	creditor_namestring	creditor_bicstring	creditor_account_numberstring	creditor_address_streetstring	creditor_address_citystring	creditor_address_statestring	creditor_address_postal_codestring	creditor_address_countrystring	intermediary_bicstring	charge_bearerstring	purpose_codestring	instruction_idstring	end_to_end_idstring	remittance_informationstring	settlement_methodstring	settlement_datetimedatetime	statusstring	rejection_reasonstring
MSG-1A9B2C4D-01	pacs.008	2305.25	TX	2024-04-03T09:17:45Z	REF-20240403-0001	USD	2024-04-03	First National Bank of Texas	FNBTUS44XXX	US893704004405320130001	1200 Commerce St	Dallas	75201	US	Bank of America	BOFAUS3N	US12345678901234567890	100 N Tryon St	Charlotte	NC	28202	US	blank	SHAR	SALA	INST-20240403-01	E2E-20240403-01	Monthly salary for April	RTGS	2024-04-03T12:15:00Z	settled	blank
MSG-2D5F7E6H-02	MT103	89.99	blank	2024-05-02T13:41:30Z	TRX-20240502-0002	EUR	2024-05-03	Sparkasse München	BYLADEM1MUE	DE89370400440532013000	Hauptstrasse 18	Munich	80331	DE	ABN AMRO Bank	ABNANL2A	NL91ABNA0417164300	Gustav Mahlerlaan 10	Amsterdam	blank	1082PP	NL	blank	SLEV	SUPP	INST-20240502-02	E2E-20240502-02	Supplier invoice April	Clearing	2024-05-03T10:10:00Z	settled	blank
MSG-3E8G9H1J-03	pacs.008	0.34	blank	2024-06-10T15:05:22Z	REF-20240610-0003	JPY	2024-06-11	Mizuho Bank Ltd.	MHCBJPJT	JP892380000000123456789	1-1 Marunouchi	Tokyo	100-0005	JP	Sumitomo Mitsui Trust Bank	SMTCJPJT	JP893823000000987654321	4-1 Nihonbashi	Tokyo	blank	103-0027	JP	blank	DEBT	TEST	blank	blank	Test micro transfer	blank	blank	pending	blank
MSG-4F3J2K5L-04	MT103	1450000	blank	2024-06-12T10:37:17Z	TRX-20240612-0004	CHF	2024-06-13	Credit Suisse AG	CRESCHZZ80A	CH9300762011623852957	Paradeplatz 8	Zurich	8001	CH	UBS Switzerland AG	UBSWCHZH80A	CH9300762011623852958	Bahnhofstrasse 45	Zurich	blank	8001	CH	ZKBKCHZZ80A	SHAR	BGNT	INST-20240612-04	E2E-20240612-04	Bond settlement transfer	RTGS	2024-06-13T14:05:00Z	settled	blank
MSG-5H6K7L8M-05	pacs.008	120.5	blank	2024-03-28T08:12:00Z	REF-20240328-0005	GBP	2024-03-29	HSBC UK Bank PLC	HBUKGB4B	GB29NWBK60161331926819	8 Canada Square	London	E14 5HQ	GB	Barclays Bank PLC	BARCGB22	GB33BUKB20201555555555	1 Churchill Place	London	blank	E14 5HP	GB	blank	SLEV	RENT	INST-20240328-05	blank	Monthly rent	Clearing	2024-03-29T10:00:00Z	settled	blank
MSG-6N1P2Q3R-06	pacs.008	0.01	blank	2024-05-17T19:14:41Z	REF-20240517-0006	INR	2024-05-18	State Bank of India	SBININBB	IN12345678901234567890	Sansad Marg	New Delhi	110001	IN	HDFC Bank Limited	HDFCINBB	IN09876543210987654321	Kamala Mills Compound	Mumbai	blank	400013	IN	blank	DEBT	TEST	blank	blank	Test micro payment	blank	blank	settled	blank
MSG-7S4T5U6V-07	MT103	305	NSW	2024-07-01T11:35:00Z	TRX-20240701-0007	AUD	2024-07-02	Commonwealth Bank of Australia	CTBAAU2S	AU12345678901234567890	201 Sussex St	Sydney	2000	AU	Westpac Banking Corp	WPACAU2S	AU09876543210987654321	275 Kent St	Sydney	NSW	2000	AU	blank	DEBT	RENT	INST-20240701-07	E2E-20240701-07	Monthly rent payment	Clearing	2024-07-02T09:20:00Z	settled	blank
MSG-8W9X0Y1Z-08	pacs.008	3500	blank	2024-02-19T14:20:30Z	REF-20240219-0008	EUR	2024-02-20	BNP Paribas	BNPAFRPP	FR7630006000011234567890189	16 Boulevard des Italiens	Paris	75009	FR	Deutsche Bank AG	DEUTDEFF	DE89370400440532013001	Taunusanlage 12	Frankfurt	blank	60325	DE	blank	SHAR	SALA	INST-20240219-08	E2E-20240219-08	Salary payment February	RTGS	2024-02-20T13:55:00Z	settled	blank
MSG-9A2B3C4D-09	MT103	999999999.99	blank	2024-03-10T16:44:15Z	TRX-20240310-0009	INR	2024-03-11	Axis Bank Limited	UTIBINBB	IN12345678909876543210	Bombay Dyeing Mills Compound	Mumbai	400025	IN	ICICI Bank	ICICINBB	IN10293847561029384756	ICICI Towers	Mumbai	blank	400051	IN	HDFCINBB	DEBT	CASH	INST-20240310-09	blank	Corporate investment	Correspondent	2024-03-11T17:00:00Z	settled	blank
MSG-0B1C2D3E-10	pacs.008	45.1	ON	2024-06-05T08:25:00Z	REF-20240605-0010	CAD	2024-06-06	Royal Bank of Canada	ROYCCAT2	CA12345678901234567890	200 Bay St	Toronto	M5J2J5	CA	Toronto-Dominion Bank	TDOMCATTTOR	CA09876543210987654321	77 King St W	Toronto	ON	M5K1A2	CA	blank	SHAR	SUPP	INST-20240605-10	blank	Supplier payment	Clearing	2024-06-06T14:10:00Z	settled	blank
MSG-1D2E3F4G-11	MT103	12.55	blank	2024-05-22T15:19:00Z	TRX-20240522-0011	SGD	2024-05-23	DBS Bank Ltd	DBSSSGSG	SG89234567890123456789	12 Marina Blvd	Singapore	018982	SG	OCBC Bank	OCBCSGSG	SG89012345678901234567	65 Chulia St	Singapore	blank	049513	SG	blank	CRED	TRAD	INST-20240522-11	blank	Trade invoice	blank	blank	settled	blank
MSG-2F3G4H5I-12	pacs.008	0.99	blank	2024-07-14T08:55:00Z	REF-20240714-0012	CNY	2024-07-15	Bank of China	BKCHCNBJ	CN12345678901234567890	1 Fuxingmen Nei Dajie	Beijing	100818	CN	Industrial & Commercial Bank of China	ICBKCNBJ	CN09876543210987654321	55 Fuxingmennei Ave	Beijing	blank	100031	CN	blank	SHAR	TEST	blank	blank	Edge case micro payment	blank	blank	pending	blank
MSG-3G4H5I6J-13	MT103	1800	NY	2024-05-25T09:30:10Z	TRX-20240525-0013	USD	2024-05-26	Morgan Stanley	MSNYUS33	US30987654321098765432	1585 Broadway	New York	10036	US	Citibank NA	CITIUS33	US21098765432109876543	388 Greenwich St	New York	NY	10013	US	blank	SLEV	SALA	INST-20240525-13	E2E-20240525-13	Salary payment May	RTGS	2024-05-26T11:30:00Z	settled	blank
MSG-4H5I6J7K-14	pacs.008	250000	NY	2024-04-21T12:47:00Z	REF-20240421-0014	USD	2024-04-22	JP Morgan Chase	CHASUS33	US12098765432109876543	270 Park Ave	New York	10017	US	Wells Fargo Bank	WFBIUS6S	US98765432109876543210	420 Montgomery St	San Francisco	CA	94104	US	BOFAUS3N	DEBT	INPC	INST-20240421-14	blank	Intercompany payment	RTGS	2024-04-22T16:00:00Z	settled	blank
MSG-5I6J7K8L-15	MT103	0.01	blank	2024-03-14T14:22:00Z	TRX-20240314-0015	ZAR	2024-03-15	Standard Bank South Africa	SBZAZAJJ	ZA12345678901234567890	5 Simmonds St	Johannesburg	2000	ZA	FirstRand Bank	FIRNZAJJ	ZA09876543210987654321	4 Merchant Place	Johannesburg	blank	2196	ZA	blank	CRED	TEST	blank	blank	Micro test payment	blank	blank	rejected	Invalid account number
MSG-6J7K8L9M-16	pacs.008	135	blank	2024-04-07T11:27:00Z	REF-20240407-0016	SEK	2024-04-08	SEB Bank	ESSESESS	SE12345678901234567890	Kungsträdgårdsgatan 8	Stockholm	10640	SE	Swedbank AB	SWEDSESS	SE09876543210987654321	Landgatan 10	Gothenburg	blank	41105	SE	blank	SLEV	RENT	INST-20240407-16	E2E-20240407-16	Monthly rent payment	Clearing	2024-04-08T14:00:00Z	settled	blank
MSG-7K8L9M0N-17	MT103	80000000	NY	2024-05-02T07:38:00Z	TRX-20240502-0017	USD	2024-05-03	Bank of New York Mellon	IRVTUS3N	US98765432109876543210	240 Greenwich St	New York	10007	US	State Street Bank	SBOSUS3B	US12345678901234567890	1 Lincoln St	Boston	MA	02111	US	CHASUS33	SHAR	DIVI	INST-20240502-17	blank	Dividend payment	RTGS	2024-05-03T15:00:00Z	settled	blank
MSG-8L9M0N1O-18	pacs.008	0.2	blank	2024-05-23T09:10:00Z	REF-20240523-0018	CHF	2024-05-24	Banque Cantonale Vaudoise	BCVLCH2L	CH9300762011623852956	Place St-François 14	Lausanne	1002	CH	Raiffeisen Schweiz	RAIFCH22	CH9300762011623852955	St. Gallerstrasse 20	St. Gallen	blank	9000	CH	blank	CRED	TEST	blank	blank	Edge case payment	blank	blank	pending	blank
MSG-9M0N1O2P-19	MT103	450	blank	2024-04-14T17:42:00Z	TRX-20240414-0019	EUR	2024-04-15	Banco Santander	BSCHESMM	ES9121000418450200051332	Av. de Cantabria s/n	Madrid	28660	ES	Societe Generale	SOGEFRPP	FR7630006000011234567890189	29 Boulevard Haussmann	Paris	blank	75009	FR	blank	SLEV	SALA	INST-20240414-19	E2E-20240414-19	Salary payment April	Clearing	2024-04-15T08:30:00Z	settled	blank
MSG-0N1O2P3Q-20	pacs.008	0.05	blank	2024-02-28T11:11:00Z	REF-20240228-0020	PLN	2024-03-01	Bank Pekao SA	PKOPPLPW	PL61109010140000071219812874	Grzybowska 53/57	Warsaw	00-844	PL	mBank SA	BREXPLPW	PL61109010140000071219812875	Senatorska 18	Lodz	blank	90-001	PL	blank	DEBT	TAXS	blank	blank	Tax micro payment	blank	blank	pending	blank

What the 400 rows show

from the 400-row sample

116.1median amount
3settlement methods
4charge bearers
4statuses
13purpose codes
27creditor address states

message_type400 rows by value

amount400 rows, in bands of 250M

Median 116.1, from 0.01 to 2,500,000,000.

debtor_address_state115 rows with a value · 285 left blank

NY22
ON19
CA14
NSW12
VIC9
TX8
MN5
QC5
NC4
PA3

33 columns by typefrom the column list below

string 29
float 1
date 1
datetime 2

Columns

33 columns in three groups

blueprint · 33 columns
column	type	description	example
Text 29 columns
`message_id`	string	Unique identifier for the credit transfer messageunique	MSG-1A9B2C4D-01
`message_type`	string	ISO20022 message type (e.g., pacs.008, MT103)pacs.008 · MT103	pacs.008
`transaction_reference`	string	Reference assigned to the transaction by the initiating institution	REF-20240403-0001
`currency`	string	ISO 4217 currency code of the transferred amount	USD
`debtor_name`	string	Name of the institution sending the funds	Sparkasse München
`debtor_bic`	string	BIC code of the sending financial institution	FNBTUS44XXX
`debtor_account_number`	string	Account number of the sending institution	US893704004405320130001
`debtor_address_street`	string	Street address of the sending institutionoptional	1200 Commerce St
`debtor_address_city`	string	City of the sending institutionoptional	Dallas
`debtor_address_state`	string	State or province of the sending institutionoptional	TX
`debtor_address_postal_code`	string	Postal code of the sending institutionoptional	75201
`debtor_address_country`	string	Country of the sending institution (ISO 3166-1 alpha-2)optional	US
`creditor_name`	string	Name of the institution receiving the funds	Bank of America
`creditor_bic`	string	BIC code of the receiving financial institution	BOFAUS3N
`creditor_account_number`	string	Account number of the receiving institution	US12345678901234567890
`creditor_address_street`	string	Street address of the receiving institutionoptional	100 N Tryon St
`creditor_address_city`	string	City of the receiving institutionoptional	Charlotte
`creditor_address_state`	string	State or province of the receiving institutionoptional	NC
`creditor_address_postal_code`	string	Postal code of the receiving institutionoptional	28202
`creditor_address_country`	string	Country of the receiving institution (ISO 3166-1 alpha-2)optional	US
`intermediary_bic`	string	BIC code of an intermediary financial institution (if applicable)optional	ZKBKCHZZ80A
`charge_bearer`	string	Party responsible for transaction charges (e.g., DEBT, CRED, SHAR, SLEV)DEBT · CRED · SHAR · SLEV · optional	SHAR
`purpose_code`	string	Code indicating the purpose of the payment (ISO 20022 purpose codes)optional	SALA
`instruction_id`	string	Identifier assigned by the initiating party for trackingoptional	INST-20240403-01
`end_to_end_id`	string	Unique identifier for end-to-end transaction trackingoptional	E2E-20240403-01
`remittance_information`	string	Free-text or structured information for the beneficiaryoptional	Monthly salary for April
`settlement_method`	string	Method of settlement (e.g., RTGS, clearing, correspondent)RTGS · Clearing · Correspondent · optional	RTGS
`status`	string	Current status of the transaction (e.g., pending, settled, rejected)pending · settled · rejected · cancelled	settled
`rejection_reason`	string	Reason for rejection if the transaction is rejected6 reasons · optional	Invalid account number
Numbers 1 column
`amount`	float	Transferred amount in the transaction currency0.01 or more	2305.25
Dates and times 3 columns
`creation_datetime`	datetime	Date and time when the message was created	2024-04-03T09:17:45Z
`value_date`	date	Date on which funds are to be made available	2024-04-03
`settlement_datetime`	datetime	Date and time when settlement occurredoptional	2024-04-03T12:15:00Z

Use it for

A finance dashboard
Amount by message_type and a breakdown of debtor_address_state. Excel, Power BI or Tableau.
What pattern can you find in 400 rows?
A class exercise
Hand out the rows and one question. Everyone works from the same 400 rows.
Messages400
MSG-1A9B2C4D-012305.25pacs.008
MSG-2D5F7E6H-0289.99MT103
MSG-3E8G9H1J-030.34pacs.008
A software demo
Believable messages with message_type, creation_datetime and transaction_reference to fill a screen in front of a buyer.

This dataset400 rows33 columns

Yours1,000 rows33 columnsdebtor_address_street: UK only

blueprint · iso20022-financial-institution-credit-transfer-pacs008

Behind this dataset

Same schema. As many rows as you need.

These 400 rows came out of a blueprint — 33 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.

Rules it was built with

Unique end-to-end transaction reference
Instructing agent BIC code validated
Instructed agent BIC code validated
Settlement method: INDA, INGA, COVE, CLRG
Settlement date within cut-off times
Interbank settlement amount specified
Charges bearer code: DEBT, CRED, SHAR, SLEV
Regulatory reporting if cross-border

Rows1,000 rows10,000 rows100,000 rows1,000,000 rows

Open the blueprint in Data Factory

1 credit per row. Preview 20 rows free. Buy rows for the full run.

Exports: CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
Licence: yours to use, including commercially
API slug: iso20022-financial-institution-credit-transfer-pacs008

What should your data show?

No signup. No card.

Sample rows

What the 400 rows show

Columns

Use it for

A finance dashboard

A class exercise

A software demo

Make it yours.

Same schema. As many rows as you need.

More in Finance

What should your data show?