pacs.008
pacs.008 (FIToFICustomerCreditTransfer) is the ISO 20022 message that carries a customer credit transfer between financial institutions — the MX successor to the MT 103. The current CBPR+ production version is pacs.008.001.08, and from 15 November 2026 its <PstlAdr> blocks must be fully structured or hybrid.
How pacs.008 works in practice
pacs.008 carries <PstlAdr> for the Debtor, Creditor and any Ultimate parties; agents are identified by BICFI rather than address. It is the inter-PSP payment message for SEPA SCT, SCT Inst and OCT Inst, and its R-transactions (pacs.004, camt.056, camt.029 and others) reference its original party data.
Source: the ioNova Postal Address Specification v2.0 (message versions; pacs.008.001.08 per IS2-100, 13 Dec 2024); §9 (SCT message flows); §13 (R-transactions).
A creditor block inside pacs.008 with a hybrid address:
<CdtTrfTxInf> <Cdtr> <Nm>Mohammed Ali Trading Co</Nm> <PstlAdr> <PstCd>6011</PstCd> <TwnNm>WELLINGTON</TwnNm> <Ctry>NZ</Ctry> <AdrLine>169 CUBA STREET</AdrLine> </PstlAdr> </Cdtr> </CdtTrfTxInf>
Parent reference: ISO 20022 deadline — the structured address mandate.
Sources
Standards & regulatory sources
- ISO 20022 message definitions catalogue — ISO 20022 Registration Authority, 2026.
- Harmonised ISO 20022 data requirements for enhancing cross-border payments — updated report — BIS Committee on Payments and Market Infrastructures (CPMI), 26 February 2026.
ioNova reference material
- ioNova ISO 20022 Postal Address — Requirements and Specifications v2.0, May 2026 — ioNova reference work consolidating the sources above. Request the specification in a demo.
See ioNova ARS in action
The complete ISO 20022 Postal Address — Requirements and Specifications Update 2026 consolidates the CPMI harmonisation requirements, the BIS PIE taskforce report, the PMPG Hybrid Postal Address whitepaper and the EPC address guidance into a single reference.
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