ISO 20022 Messages

The message standards that SEPA and modern payment infrastructure rely on.

pain.001 — Payment Instruction

What is pain.001 (CustomerCreditTransferInitiation)? The ISO 20022 payment initiation message sent from customer to bank.

pain.002 — Payment Status Report

What is pain.002 (CustomerPaymentStatusReport)? The payment-instruction status/accept-reject message sent by the bank.

camt.052 — Intraday Account Report

What is camt.052 (BankToCustomerAccountReport)? An intraday report of account activity and balance.

camt.053 — End-of-Day Account Statement

What is camt.053 (BankToCustomerStatement)? The official end-of-day account statement and its use for reconciliation.

camt.054 — Debit/Credit Notification

What is camt.054 (BankToCustomerDebitCreditNotification)? The ISO 20022 notification message for individual debit/credit entries.

For payment schemes, see the SEPA schemes guides.