ISO 20022 bank transaction code PMNT RCCN: Received Cash Concentration Transactions
In ISO 20022 bank transaction codes, domain PMNT (Payments) with family RCCN means Received Cash Concentration Transactions. Transaction is related to incoming cash movements that are related to cash management activities initiated by the owner of the sending account to optimise the return on the available funds. It has 19 sub-family codes, listed below.
Sub-family codes
| Code | Name | Definition |
|---|---|---|
| PMNT/RCCN/ACON | ACH Concentration | Transfer is an ACH Concentration transaction, i.e. movement of funds from own smaller depository accounts at other financial institutions to a concentration account |
| PMNT/RCCN/BACT | Branch Account Transfer | Transaction is a cash concentration transfer between two financial institution branches belonging to the same group. |
| PMNT/RCCN/CHRG | Charges (Generic) | Generic charges related to the transaction without further details available |
| PMNT/RCCN/COMM | Commission (Generic) | Generic commissions without further details related to the transaction |
| PMNT/RCCN/COME | Commission Excluding Taxes (Generic) | Generic commissions without taxes related to the transaction without further details available |
| PMNT/RCCN/COMI | Commission Including Taxes (Generic) | Generic commissions including taxes related to the transaction without further details available |
| PMNT/RCCN/COAT | Corporate Own Account Transfer | Transaction is a cash concentration transfer between own accounts, i.e., a transfer between 2 different accounts of the same company within the same bank. Difference between sub accounts and main accounts may be identified through the families: issued or received. |
| PMNT/RCCN/CAJT | Credit Adjustments (Generic) | Generic credit or debit adjustments related to the transaction without further details available |
| PMNT/RCCN/XICT | Cross-Border Intra Company Transfer | Transaction is a cross-border intra-company cash concentration transfer. |
| PMNT/RCCN/DAJT | Debit Adjustments (Generic) | Generic credit or debit adjustments related to the transaction without further details available |
| PMNT/RCCN/FEES | Fees (Generic) | Generic fees related to the transaction without further details available |
| PMNT/RCCN/FIOA | Financial Institution Own Account Transfer | Transaction is a cash concentration transfer between financial institution’s own accounts, i.e., a transfer between two different accounts of the financial institution customer within one financial institution. |
| PMNT/RCCN/INTR | Interests (Generic) | Generic interest related to the transaction without further details available |
| PMNT/RCCN/ICCT | Intra Company Transfer | Transaction is an intra-company cash concentration transfer, i.e., a payment between two different legal entities belonging to the same group. |
| PMNT/RCCN/COMT | Non Taxable Commissions (Generic) | Generic non-taxable commissions related to the transaction without further details available |
| PMNT/RCCN/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/RCCN/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/RCCN/RIMB | Reimbursement (Generic) | Generic reimbursement of costs related to the transaction without further details available |
| PMNT/RCCN/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/RCCN/ACON:
<BkTxCd>
<Domn>
<Cd>PMNT</Cd>
<Fmly>
<Cd>RCCN</Cd>
<SubFmlyCd>ACON</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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