ISO 20022 bank transaction code PMNT ICHQ: Issued Cheques
In ISO 20022 bank transaction codes, domain PMNT (Payments) with family ICHQ means Issued Cheques. Transaction is related to a written paper order - the cheque - issued by the account owner to the cheque recipient, to debit the account of the cheque issuer. It has 31 sub-family codes, listed below.
Sub-family codes
| Code | Name | Definition |
|---|---|---|
| PMNT/ICHQ/ARPD | ARP Debit | Transaction is an account reconciliation package transaction that allows the account consolidation and enhances the management of paper cheques. |
| PMNT/ICHQ/BCHQ | Bank Cheque | Transaction is related to a cheque drawn on the account of the debtor’s financial institution, which is debited on the debtor’s account when the cheque is issued. These cheques are printed by the debtor’s financial institution and payment is guaranteed by the financial institution. Synonym is ‘cashier’s cheque’. |
| PMNT/ICHQ/CASH | Cash Letter | Transaction is related to a cash letter. |
| PMNT/ICHQ/CSHA | Cash Letter Adjustment | Transaction is related to an adjustment of a cash letter payment. |
| PMNT/ICHQ/CCCH | Certified Customer Cheque | Transaction is related to a cheque drawn on the account of the debtor, and debited on the debtor’s account when the cheque is cashed. The financial institution prints and certifies the cheque, guaranteeing the payment. |
| PMNT/ICHQ/CHRG | Charges (Generic) | Generic charges related to the transaction without further details available |
| PMNT/ICHQ/CCHQ | Cheque | Transaction is related to a cheque drawn on the account of the debtor, and debited on the debtor’s account when the cheque is cashed. Settlement of the cheque has been completed. |
| PMNT/ICHQ/CQRV | Cheque Reversal | Transaction is related to a reversal of a cheque payment. |
| PMNT/ICHQ/URCQ | Cheque Under Reserve | Transaction is related to a cheque booked before settlement of the funds has taken place. |
| PMNT/ICHQ/CLCQ | Circular Cheque | Transaction is related to an instruction from a bank to its correspondent bank to pay the creditor a stated sum upon the presentation of a means of identification. |
| PMNT/ICHQ/COMM | Commission (Generic) | Generic commissions without further details related to the transaction |
| PMNT/ICHQ/COME | Commission Excluding Taxes (Generic) | Generic commissions without taxes related to the transaction without further details available |
| PMNT/ICHQ/COMI | Commission Including Taxes (Generic) | Generic commissions including taxes related to the transaction without further details available |
| PMNT/ICHQ/CDIS | Controlled Disbursement | Transaction is related to a service that provides for movement of funds associated with cheque presentation. This is the presentation leg of the transaction. |
| PMNT/ICHQ/CAJT | Credit Adjustments (Generic) | Generic credit or debit adjustments related to the transaction without further details available |
| PMNT/ICHQ/CRCQ | Crossed Cheque | Transaction is related to a cheque that must be paid into an account and not cashed over the counter. There are two parallel lines across the face of a crossed cheque. |
| PMNT/ICHQ/DAJT | Debit Adjustments (Generic) | Generic credit or debit adjustments related to the transaction without further details available |
| PMNT/ICHQ/FEES | Fees (Generic) | Generic fees related to the transaction without further details available |
| PMNT/ICHQ/XBCQ | Foreign Cheque | Transaction is related to a cheque drawn on the account of the debtor, and cashed in a different country than the country of the debtor’s bank. |
| PMNT/ICHQ/XRCQ | Foreign Cheque Under Reserve | Transaction is related to a foreign cheque, booked before settlement of the funds has taken place. |
| PMNT/ICHQ/INTR | Interests (Generic) | Generic interest related to the transaction without further details available |
| PMNT/ICHQ/NPCC | Non Presented Circular Cheques | Transaction is related to a non-presented circular cheque. |
| PMNT/ICHQ/COMT | Non Taxable Commissions (Generic) | Generic non-taxable commissions related to the transaction without further details available |
| PMNT/ICHQ/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/ICHQ/OPCQ | Open Cheque | Transaction is related to a cheque that may only be cashed at the bank of origin. |
| PMNT/ICHQ/ORCQ | Order Cheque | Transaction is related to a cheque made payable to a named recipient ‘or order’. The payee can either deposit the cheque in an account or endorse it to a third party. |
| PMNT/ICHQ/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/ICHQ/RIMB | Reimbursement (Generic) | Generic reimbursement of costs related to the transaction without further details available |
| PMNT/ICHQ/TAXE | Taxes (Generic) | Generic taxes related to the transaction without further details available |
| PMNT/ICHQ/UPCQ | Unpaid Cheque | Transaction is related to a cheque for which the settlement could not be completed. |
| PMNT/ICHQ/XPCQ | Unpaid Foreign Cheque | Transaction is related to a foreign cheque for which the settlement could not be completed. |
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/ICHQ/ARPD:
<BkTxCd>
<Domn>
<Cd>PMNT</Cd>
<Fmly>
<Cd>ICHQ</Cd>
<SubFmlyCd>ARPD</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
Know where all your money is.
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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