Polynopsis

ISO 20022 bank transaction codes

By Polynopsis team · Last updated

ISO 20022 bank transaction codes classify entries in camt.052 account reports, camt.053 statements and camt.054 notifications in three levels: domain, family and sub-family. A bank can also send its own proprietary code instead of, or as well as, this structured code. The current list (Version 8.0, November 2025) has 11 domains, 104 families and 1,564 valid domain, family and sub-family combinations.

<BkTxCd>
  <Domn>
    <Cd>PMNT</Cd>
    <Fmly>
      <Cd>RCDT</Cd>
      <SubFmlyCd>ESCT</SubFmlyCd>
    </Fmly>
  </Domn>
</BkTxCd>
DomainNameFamilies
PMNTPayments19
CAMTCash Management6
DERVDerivatives12
LDASLoans, Deposits & Syndications11
FORXForeign Exchange9
PMETPrecious Metal8
CMDTCommodities8
TRADTrade Services9
SECUSecurities14
ACMTAccount Management7
XTNDExtended Domain1

Every family

CodeName
PMNT DRFTDrafts
PMNT CNTRCounter Transactions
PMNT CCRDCustomer Card Transactions
PMNT ICCNIssued Cash Concentration Transactions
PMNT ICHQIssued Cheques
PMNT ICDTIssued Credit Transfers
PMNT IDDTIssued Direct Debits
PMNT IRCTIssued Real-Time Credit Transfers
PMNT LBOXLockbox Transactions
PMNT MCRDMerchant Card Transactions
PMNT RCCNReceived Cash Concentration Transactions
PMNT RCHQReceived Cheques
PMNT RCDTReceived Credit Transfers
PMNT RDDTReceived Direct Debits
PMNT RRCTReceived Real-Time Credit Transfers
PMNT MCOPMiscellaneous Credit Operations
PMNT MDOPMiscellaneous Debit Operations
PMNT NTAVNot Available
PMNT OTHROther
CAMT ACCBAccount Balancing
CAMT CAPLCash Pooling
CAMT MCOPMiscellaneous Credit Operations
CAMT MDOPMiscellaneous Debit Operations
CAMT NTAVNot Available
CAMT OTHROther
DERV LFUTListed Derivatives - Futures
DERV LOPTListed Derivatives - Options
DERV OBNDOTC Derivatives - Bonds
DERV OCRDOTC Derivatives - Credit
DERV OEQTOTC Derivatives - Equity
DERV OIRTOTC Derivatives - Interest Rates
DERV OSEDOTC Derivatives - Structured Exotic Derivatives
DERV OSWPOTC Derivatives - Swaps
DERV MCOPMiscellaneous Credit Operations
DERV MDOPMiscellaneous Debit Operations
DERV NTAVNot Available
DERV OTHROther
LDAS CSLNConsumer Loans
LDAS FTDPFixed Term Deposits
LDAS FTLNFixed Term Loans
LDAS MGLNMortgage Loans
LDAS NTDPNotice Deposits
LDAS NTLNNotice Loans
LDAS SYDNSyndications
LDAS MCOPMiscellaneous Credit Operations
LDAS MDOPMiscellaneous Debit Operations
LDAS NTAVNot Available
LDAS OTHROther
FORX FWRDForwards
FORX FTURFutures
FORX NDFXNon Deliverable
FORX SPOTSpots
FORX SWAPSwaps
FORX MCOPMiscellaneous Credit Operations
FORX MDOPMiscellaneous Debit Operations
FORX NTAVNot Available
FORX OTHROther
PMET DLVRDelivery
PMET FTURFutures
PMET OPTNOptions
PMET SPOTSpots
PMET MCOPMiscellaneous Credit Operations
PMET MDOPMiscellaneous Debit Operations
PMET NTAVNot Available
PMET OTHROther
CMDT DLVRDelivery
CMDT FTURFutures
CMDT OPTNOptions
CMDT SPOTSpots
CMDT MCOPMiscellaneous Credit Operations
CMDT MDOPMiscellaneous Debit Operations
CMDT NTAVNot Available
CMDT OTHROther
TRAD CLNCClean Collection
TRAD DOCCDocumentary Collection
TRAD DCCTDocumentary Credit
TRAD GUARGuarantees
TRAD LOCTStand-By Letter Of Credit
TRAD MCOPMiscellaneous Credit Operations
TRAD MDOPMiscellaneous Debit Operations
TRAD NTAVNot Available
TRAD OTHROther
SECU COLLCollateral Management
SECU CORPCorporate Action
SECU CASHMiscellaneous Securities Operations
SECU SETTTrade, Clearing and Settlement
SECU BLOCBlocked Transactions
SECU OTHBCSD Blocked transactions
SECU CUSTCustody
SECU COLCCustody Collection
SECU LACKLack
SECU NSETNon Settled
SECU MCOPMiscellaneous Credit Operations
SECU MDOPMiscellaneous Debit Operations
SECU NTAVNot Available
SECU OTHROther
ACMT ACOPAdditional Miscellaneous Credit Operations
ACMT ADOPAdditional Miscellaneous Debit Operations
ACMT OPCLOpening & Closing
ACMT MCOPMiscellaneous Credit Operations
ACMT MDOPMiscellaneous Debit Operations
ACMT NTAVNot Available
ACMT OTHROther
XTND NTAVNot Available

Where Polynopsis fits

Polynopsis reads bank statement files in BAI2, MT940 and ISO 20022 camt.053, read-only, and puts every bank balance into one live position with payout partner, exchange and stablecoin wallet balances, including money in flight.

Sources

  1. Bank Transaction Codes external code list description (November 2025) · ISO 20022
  2. Bank Transaction Codes codification workbook (30 November 2025) · ISO 20022

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About Polynopsis

Polynopsis is liquidity management software for cross-border payment companies. The name joins poly, many, and synopsis, a seeing together: one live view of money spread across many banks, payout partners, exchanges and stablecoin wallets, including money in flight, with a warning before any corridor runs dry.

Why it is called Polynopsis · About Polynopsis · Glossary · Corridor runway calculator