ISO 20022 bank transaction code PMNT DRFT: Drafts
In ISO 20022 bank transaction codes, domain PMNT (Payments) with family DRFT means Drafts. Transaction is related to a guaranteed bank cheque issued by the account owner with a future value date (do not pay before), which in commercial terms is a ‘negotiable instrument’: the beneficiary can receive early payment from any bank under subtraction of a discount. The ordering customer’s account that has issued the draft is debited on value date. It has 19 sub-family codes, listed below.
Sub-family codes
| Code | Name | Definition |
|---|---|---|
| PMNT/DRFT/STOD | Bill of Exchange Settlement on Demand | No definition published in the ISO 20022 code list description. |
| PMNT/DRFT/CHRG | Charges (Generic) | Generic charges related to the transaction without further details available |
| PMNT/DRFT/COMM | Commission (Generic) | Generic commissions without further details related to the transaction |
| PMNT/DRFT/COME | Commission Excluding Taxes (Generic) | Generic commissions without taxes related to the transaction without further details available |
| PMNT/DRFT/COMI | Commission Including Taxes (Generic) | Generic commissions including taxes related to the transaction without further details available |
| PMNT/DRFT/CAJT | Credit Adjustments (Generic) | Generic credit or debit adjustments related to the transaction without further details available |
| PMNT/DRFT/DAJT | Debit Adjustments (Generic) | Generic credit or debit adjustments related to the transaction without further details available |
| PMNT/DRFT/DDFT | Discounted Draft | Transaction is related to a discounted draft, i.e. the beneficiary has received an early payment from any bank under subtraction of a discount. |
| PMNT/DRFT/UDFT | Dishonoured/Unpaid Draft | Transaction is related to a Dishonoured / Unpaid Draft or Bill To Order. The beneficiary has received early payment, but the ordering customer’s account could not be debited on value date. |
| PMNT/DRFT/DMCG | Draft Maturity Change | Transaction is related to the change of the maturity date of a draft. |
| PMNT/DRFT/FEES | Fees (Generic) | Generic fees related to the transaction without further details available |
| PMNT/DRFT/INTR | Interests (Generic) | Generic interest related to the transaction without further details available |
| PMNT/DRFT/COMT | Non Taxable Commissions (Generic) | Generic non-taxable commissions related to the transaction without further details available |
| PMNT/DRFT/NTAV | Not Available | The “Not Available” Sub-Family is used to cater for the Bank Transaction Code mandatory field, when no further details are available for the Bank Transaction Code, e.g. a received credit transfer is reported but no Sub-Family is available in the information provided in the transaction. |
| PMNT/DRFT/OTHR | Other | The “Other” Sub-Family is used to cater for the Bank Transaction Code mandatory field, when the reported Family does not match any of the Families listed in the specified Domain, but further details are available in addition to the Domain and Family codes. |
| PMNT/DRFT/RIMB | Reimbursement (Generic) | Generic reimbursement of costs related to the transaction without further details available |
| PMNT/DRFT/STAM | Settlement At Maturity | Transaction is related to a draft or bill to order which has been paid on maturity date. |
| PMNT/DRFT/STLR | Settlement Under Reserve | Transaction is related to a settlement under reserve of the draft. |
| PMNT/DRFT/TAXE | Taxes (Generic) | Generic taxes related to the transaction without further details available |
How it appears in camt.053
In camt.052, camt.053 and camt.054, each entry carries its code in the BkTxCd block. For example, PMNT/DRFT/STOD:
<BkTxCd>
<Domn>
<Cd>PMNT</Cd>
<Fmly>
<Cd>DRFT</Cd>
<SubFmlyCd>STOD</SubFmlyCd>
</Fmly>
</Domn>
</BkTxCd>
Other families in the PMNT domain
Related: camt.053 explained, ISO 20022 and all ISO 20022 bank transaction codes.
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
- Bank Transaction Codes external code list description (November 2025) · ISO 20022
- Bank Transaction Codes codification workbook (30 November 2025) · ISO 20022
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Polynopsis gives cross-border payment teams one live position across every bank, payout partner, exchange and wallet, including money in flight, and warns before a corridor runs dry.
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.
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