ISO 20022 bank transaction code PMNT RRCT: Received Real-Time Credit Transfers
In ISO 20022 bank transaction codes, domain PMNT (Payments) with family RRCT means Received Real-Time Credit Transfers. Receivable Real Time Credit Transfers are instructions to receive an amount of money from a debtor by the account owner in Real Time (within a pre-agreed number of seconds). The receivable credit transfers are related to transactions received by the account owner. It has 40 sub-family codes, listed below.
Sub-family codes
| Code | Name | Definition |
|---|---|---|
| PMNT/RRCT/ACOR | ACH Corporate Trade | Transfer is an ACH Corporate Trade transaction. |
| PMNT/RRCT/ACDT | ACH Credit | Transaction is an electronic credit payment that is processed through an ACH. |
| PMNT/RRCT/ADBT | ACH Debit | Transaction is an electronic debit payment that is processed through an ACH. |
| PMNT/RRCT/APAC | ACH Pre-Authorised | Transfer is an ACH Pre-Authorised transaction |
| PMNT/RRCT/ARET | ACH Return | Transfer is an ACH Return transaction, processed through an ACH. |
| PMNT/RRCT/AREV | ACH Reversal | Transaction is related to a reversal of an initial credit transfer, following pre-established rules (e.g. in ACH environment). |
| PMNT/RRCT/ASET | ACH Settlement | Transfer is an ACH Settlement transaction. Likely used as a single transaction that is the total of a batch of ACH Debits. |
| PMNT/RRCT/ATXN | ACH Transaction | Transaction is an electronic payment that is processed through an ACH (generic ACH transfer). |
| PMNT/RRCT/AUTT | Automatic Transfer | Transaction is an individual automatic transfer transaction executed under agreed conditions. |
| PMNT/RRCT/CHRG | Charges (Generic) | Generic charges related to the transaction without further details available |
| PMNT/RRCT/COMM | Commission (Generic) | Generic commissions without further details related to the transaction |
| PMNT/RRCT/COME | Commission Excluding Taxes (Generic) | Generic commissions without taxes related to the transaction without further details available |
| PMNT/RRCT/COMI | Commission Including Taxes (Generic) | Generic commissions including taxes related to the transaction without further details available |
| PMNT/RRCT/CAJT | Credit Adjustments (Generic) | Generic credit or debit adjustments related to the transaction without further details available |
| PMNT/RRCT/VCOM | Credit Transfer With Agreed Commercial Information | Transaction is a credit transfer including commercial information, i.e. additional information agreed between the sender and the receiver. |
| PMNT/RRCT/XBCT | Cross-Border Credit Transfer | Transaction is a cross-border credit transfer |
| PMNT/RRCT/XBSA | Cross-Border Payroll/Salary Payment | Transaction is related to the payment of a cross-border payroll salary |
| PMNT/RRCT/XBST | Cross-Border Standing Order | Transaction is a cross-border standing order |
| PMNT/RRCT/DAJT | Debit Adjustments (Generic) | Generic credit or debit adjustments related to the transaction without further details available |
| PMNT/RRCT/DMCT | Domestic Credit Transfer | Transaction is a in-country domestic currency credit transfer |
| PMNT/RRCT/FEES | Fees (Generic) | Generic fees related to the transaction without further details available |
| PMNT/RRCT/FICT | Financial Institution Credit Transfer | Transaction is a financial institution credit transfer, i.e. the debtor and creditor are financial institutions. |
| PMNT/RRCT/INTR | Interests (Generic) | Generic interest related to the transaction without further details available |
| PMNT/RRCT/BOOK | Internal Book Transfer | Transaction is a transfer between two different accounts within the same bank. |
| PMNT/RRCT/COMT | Non Taxable Commissions (Generic) | Generic non-taxable commissions related to the transaction without further details available |
| PMNT/RRCT/ENCT | Nordic Payment Council Credit Transfer | Transaction is related to a Nordic Payment Council Credit Transfer. |
| PMNT/RRCT/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/RRCT/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/RRCT/SALA | Payroll/Salary Payment | Transaction is related to the payment of a payroll salary |
| PMNT/RRCT/PRCT | Priority Credit Transfer | Transaction is a credit transfer defined with higher priority, e.g. a PRIEURO credit transfer |
| PMNT/RRCT/RIMB | Reimbursement (Generic) | Generic reimbursement of costs related to the transaction without further details available |
| PMNT/RRCT/RPCR | Reversal Due To Payment Cancellation Request | Transaction is related to the cancellation of an initial credit transfer upon request from the debtor. The debtor had already been debited for the initial credit transfer, but interbank settlement had not been completed yet. |
| PMNT/RRCT/RRTN | Reversal Due To Payment Return | Transaction is related to the return/reimbursement of a credit transfer transaction (which may be related to a double processing, the debit of an incorrect account, or return of the credit transfer) |
| PMNT/RRCT/XRTN | Cross Border Reversal Due to Payment Return | No definition published in the ISO 20022 code list description. |
| PMNT/RRCT/SDVA | Same Day Value Credit Transfer | Transfer is a credit transfer whereby the payment was executed with same day value to the beneficiary. |
| PMNT/RRCT/ESCT | SEPA Credit Transfer | Transaction is a SEPA credit transfer |
| PMNT/RRCT/STDO | Standing Order | Transaction is a standing order. A standing order is an instruction given by a party having explicit authority on the debtor’s account to debit, i.e. either debit account owner or originating party, to an account servicer, to process credit transfers at specified intervals during an implicit or explicit period of time. It is given once, and is valid for an open or closed period of time. |
| PMNT/RRCT/TAXE | Taxes (Generic) | Generic taxes related to the transaction without further details available |
| PMNT/RRCT/TTLS | Treasury Tax And Loan Service | Transaction is related to a Treasury Tax and Loan Service, i.e. a service offered by the Federal Reserve Banks of the United States that keeps tax receipts in the banking sector by depositing them into select banks that meet certain criteria. |
| PMNT/RRCT/EICT | Icelandic Rulebook Council Credit Transfer | Transaction is an Icelandic Rulebook Council credit transfer. |
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/RRCT/ACOR:
<BkTxCd>
<Domn>
<Cd>PMNT</Cd>
<Fmly>
<Cd>RRCT</Cd>
<SubFmlyCd>ACOR</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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