ISO20022 Financial Institution Direct Debit (pacs.003)

This dataset provides a comprehensive record of interbank direct debit transactions processed under the ISO20022 standard, including detailed information on participating institutions, debtor and creditor accounts, transaction amounts, settlement instructions, and processing status. It is ideal for financial operations, compliance monitoring, and settlement analytics in banking environments.

  • last updated 29 Oct 2025
  • by GoMask
The brief that made it

Automated reconciliation and settlement of interbank direct debit transactions

Sample rows

preview · 8 of 300 rows · all 30 columns
message_idstringstatusstringtransaction_amountfloatdebtor_address_citystringcreation_datetimedatetimeinitiating_institution_idstringinitiating_institution_namestringreceiving_institution_idstringreceiving_institution_namestringdebtor_account_numberstringdebtor_namestringdebtor_address_streetstringdebtor_address_statestringdebtor_address_postal_codestringdebtor_address_countrystringcreditor_account_numberstringcreditor_namestringcreditor_address_streetstringcreditor_address_citystringcreditor_address_statestringcreditor_address_postal_codestringcreditor_address_countrystringtransaction_currencystringsettlement_datedatesettlement_methodstringmandate_idstringend_to_end_idstringpurpose_codestringremittance_informationstringcharge_bearerstring
MSG-0000001settled15000.25New York2021-01-31T23:59:59ZBOFAUS3NBank of AmericaHSBCGB2LHSBC UK1234567890123456John A. Smith123 Main StNY10001USGB29NWBK60161331926819Acme Corp Ltd25 King StLondonblankSW1A 1AAGBUSD2021-02-01RTGSMAND-US-001E2E-US-1001SALAPayroll for January 2021SHAR
MSG-0000002settled4500Manchester2021-02-28T08:30:00ZNWBKGB2LNatWest BankDEUTDEFFDeutsche BankGB82WEST12345698765432Liam O'Brien47 Queen's RdblankM1 1AEGBDE89370400440532013000Muller GmbHBergstrasse 5Frankfurtblank60313DEGBP2021-03-01ACHMAND-GB-017E2E-GB-309SUPPSupplier paymentDEBT
MSG-0000003settled500Bangalore2021-03-15T14:45:23ZICICINBBICICI BankDBSSSGSGDBS Singapore1234567890123456Rajesh Kumar14 MG RoadKA560001INSG90123456789012Singapore Tech Pte LtdblankblankblankblankSGINR2021-03-17ACHblankblankGDSVGoods purchaseSHAR
MSG-0000004settled125.35blank2021-04-01T00:01:00ZCITICNSHChina CITIC BankMUFGJPJTMUFG Japan621234567890blankblankblankblankCNJP1234567890123Nippon Co.1 Chome-1-2 MarunouchiTokyoblank100-0005JPCNY2021-04-02ManualMAND-CN-001E2E-CN-005blankblankSHAR
MSG-0000005settled27550.8Paris2021-05-31T23:59:00ZBNPAFRPPBNP ParibasINGBNL2AING NetherlandsFR1420041010050500013M02606Pierre Dupont12 Rue de Rivoliblank75001FRNL91ABNA0417164300Van den Berg BVblankAmsterdamblank1011ACNLEUR2021-06-01RTGSblankE2E-FR-100SUPPSupplier invoice 4711DEBT
MSG-0000006pending800blank2021-06-15T17:10:45ZKECBKEPKKCB KenyaCITGUS33Citigroup01234567890123Mwangi NjeriblankblankblankKE1234567890123456blankblankblankblankblankUSKES2021-06-17ACHblankblankBEXPBusiness expense JuneSLEV
MSG-0000007settled52000.95blank2021-07-01T01:00:00ZHSBCGB2LHSBC UKBARCGB22Barclays BankGB94BARC10201530093459Michael EvansblankblankblankGBGB33BUKB20201555555555blankblankblankblankblankGBGBP2021-07-02RTGSMAND-GB-100E2E-GB-1000INVSInvestment transferDEBT
MSG-0000008settled999.99blank2021-07-15T12:00:00ZFNBZAJJFNB South AfricaUGBAUGKAUganda Bank123456789012blankblankblankblankZAUG12345678901234Kampala Traders7 Kampala RdKampalablankblankUGZAR2021-07-16ManualblankblankGDSVblankCRED

What the 300 rows show

from the 300-row sample
  • 1,100median transaction_amount
  • 3settlement methods
  • 4charge bearers
  • 9purpose codes
  • 12transaction currencies
  • 14debtor address countries
status300 rows by value
013026048pending16%252settled84%
transaction_amount300 rows, in bands of 10M
0150300296200000002050M100Mtransaction_amount →

Median 1,100, from 0.01 to 100,000,000.

debtor_address_city90 rows with a value · 210 left blank
  1. London17
  2. Paris13
  3. Toronto6
  4. New York4
  5. Amsterdam4
  6. San Francisco4
  7. Bangalore3
  8. Singapore3
  9. Frankfurt3
  10. Manchester2
30 columns by typefrom the column list below
  • string 27
  • float 1
  • date 1
  • datetime 1

Columns

30 columns in three groups
blueprint · 30 columns
columntypedescriptionexample
Text 27 columns
message_idstringUnique identifier for the direct debit messageuniqueMSG-0000001
initiating_institution_idstringIdentifier (e.g., BIC) of the financial institution initiating the direct debitBOFAUS3N
initiating_institution_namestringName of the financial institution initiating the direct debitoptionalBank of America
receiving_institution_idstringIdentifier (e.g., BIC) of the financial institution receiving the direct debitHSBCGB2L
receiving_institution_namestringName of the financial institution receiving the direct debitoptionalHSBC UK
debtor_account_numberstringAccount number of the debtor from which funds will be debited1234567890123456
debtor_namestringName of the debtoroptionalJohn A. Smith
debtor_address_streetstringStreet address of the debtoroptional123 Main St
debtor_address_citystringCity of the debtoroptionalNew York
debtor_address_statestringState or province of the debtoroptionalNY
debtor_address_postal_codestringPostal code of the debtoroptional10001
debtor_address_countrystringCountry of the debtoroptionalUS
creditor_account_numberstringAccount number of the creditor to which funds will be creditedGB29NWBK60161331926819
creditor_namestringName of the creditoroptionalAcme Corp Ltd
creditor_address_streetstringStreet address of the creditoroptional25 King St
creditor_address_citystringCity of the creditoroptionalLondon
creditor_address_statestringState or province of the creditor3 states · optionalCA
creditor_address_postal_codestringPostal code of the creditoroptionalSW1A 1AA
creditor_address_countrystringCountry of the creditoroptionalGB
transaction_currencystringCurrency code of the transaction (ISO 4217)12 currenciesUSD
settlement_methodstringMethod of settlement (e.g., RTGS, ACH, etc.)RTGS · ACH · Manual · Other · optionalRTGS
mandate_idstringIdentifier for the direct debit mandateoptionalMAND-US-001
end_to_end_idstringIdentifier for tracking the transaction from originator to beneficiaryoptionalE2E-US-1001
purpose_codestringCode indicating the purpose of the direct debit9 codes · optionalSALA
remittance_informationstringAdditional information for the creditor regarding the paymentoptionalPayroll for January 2021
charge_bearerstringIndicates who bears the transaction charges (e.g., DEBT, CRED, SHAR, SLEV)DEBT · CRED · SHAR · SLEV · optionalSHAR
statusstringCurrent status of the direct debit message (e.g., pending, settled, rejected)pending · settled · rejected · cancelledsettled
Numbers 1 column
transaction_amountfloatAmount to be debited and credited0.01 or more15000.25
Dates and times 2 columns
creation_datetimedatetimeDate and time when the message was created2021-01-31T23:59:59Z
settlement_datedateDate on which settlement is to occur2021-02-01

Use it for

  • median transac…1,100300 rowsmean transaction amou…2.3Mpending700.5ksettled

    A finance dashboard

    Transaction_amount by status and a breakdown of debtor_address_city. Excel, Power BI or Tableau.

  • What pattern can you find in 300 rows?

    A class exercise

    Hand out the rows and one question. Everyone works from the same 300 rows.

  • A software demo

    Believable messages with creation_datetime, initiating_institution_id and initiating_institution_name to fill a screen in front of a buyer.

Not quite right?

Make it yours.

Same 30 columns, your size and your rules. See 20 rows before you pay.

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This dataset300 rows30 columns
Yours1,000 rows30 columnsdebtor_address_street: UK only

blueprint · iso20022-financial-institution-direct-debit-pacs003

Behind this dataset

Same schema. As many rows as you need.

These 300 rows came out of a blueprint — 30 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
  • Collection reference unique per cycle
  • Presenting bank BIC required
  • Collecting bank BIC required
  • Settlement date matches collection date
  • Debtor agent must be different from creditor agent
  • Return deadline calculated
  • Mandate validation at creditor bank
Rows
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Exports
CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
Licence
yours to use, including commercially
API slug
iso20022-financial-institution-direct-debit-pacs003

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