What is a pacs.008 message?

pacs.008 is the ISO 20022 XML message used for cross-border customer credit transfers — the modern replacement for the legacy SWIFT MT103. It carries the same payment data plus much richer structured fields (full structured address, regulatory reporting, purpose codes) and becomes mandatory for all SWIFT cross-border traffic in November 2025.

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1UETR (Unique End-to-End Transaction Reference) What is a UETR?

36-character UUID from your MT103 field 121 or pacs.008 <UETR> tag. Where to find it →

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Details

Full name: FIToFICustomerCreditTransferV (Financial Institution to Financial Institution Customer Credit Transfer). Defined in the ISO 20022 standard maintained by ISO/SWIFT.

Structure: XML, with structured blocks for GroupHeader, CreditTransferTransactionInformation (the actual payment), Debtor (sender), Creditor (beneficiary), DebtorAgent (sender's bank), CreditorAgent (beneficiary's bank), IntermediaryAgent (correspondent banks), Amount, ChargeBearer, RemittanceInformation and PaymentIdentification (which contains the UETR).

Why migrate from MT103? pacs.008 supports much longer fields, structured addresses (street/city/postcode/country instead of free text), regulatory reporting codes, and unlimited remittance information. Much better for compliance and STP (straight-through processing).

Migration timeline: SWIFT and CBPR+ require all cross-border traffic to be in ISO 20022 by November 2025. During the migration window banks send and receive both formats.

Tracking: the UETR is in the same place conceptually — the <UETR> element inside <PaymentIdentification>. Ohmyfin treats MT103 and pacs.008 identically for tracking purposes.

Key facts

ISO 20022 XML message for cross-border customer credit transfers
Replaces the legacy SWIFT MT103 by November 2025
Supports structured addresses, regulatory codes, longer fields
Same UETR concept — Ohmyfin tracks pacs.008 the same as MT103

Frequently asked questions

What is a pacs.008 message?

Is Ohmyfin tracking really free?

Yes. Ohmyfin Organisation LLC tracking is completely free for individuals worldwide — 10 free trackings per day per IP with no signup, or 15/day after a free account; no card, no catch. Ohmyfin Organisation LLC never charges individuals.

Do I need a bank login to use Ohmyfin?

No. Ohmyfin queries the SWIFT GPI network directly via the UETR — no credentials at any bank required.

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SWIFT, SWIFTNet, SWIFT GPI, SWIFT Go, UETR, BIC, MT, MX, FIN, pacs.008, pacs.009, camt, ISO 20022 and related message-type identifiers, codes and logos are trademarks, service marks or registered marks of Society for Worldwide Interbank Financial Telecommunication SCRL (S.W.I.F.T. SC), with registered office at Avenue Adèle 1, 1310 La Hulpe, Belgium, and/or ISO 20022 Registration Authority. IBAN is published under ISO 13616. Visa, Mastercard, SEPA, Fedwire, FedNow, CHAPS, TARGET2, RTGS and all bank names, brand names, BIC codes and logos referenced on this site are the property of their respective owners and are used purely for descriptive and reference purposes under nominative fair use.

Ohmyfin Organisation is an independent payment-status search and reference service. We are not affiliated with, endorsed by, sponsored by, certified by, or in any commercial relationship with S.W.I.F.T. SC, the ISO 20022 Registration Authority, the European Central Bank, the U.S. Federal Reserve, any central bank, any commercial or correspondent bank, any clearing house, or any payment-system operator. References to SWIFT message types, status codes, GPI tracking, ISO 20022 messages or any third-party product or trademark are made solely to describe the publicly documented payments ecosystem within which our independent search service operates.

We are not a bank, money-services business, payment institution, electronic-money issuer or settlement agent. We do not hold, transfer, send, receive, custody or settle funds. We do not initiate, modify, cancel, recall or release SWIFT or ISO 20022 payment messages. Information returned by our tools is provided on an “as-is” basis for informational and convenience purposes only and does not constitute financial, legal, regulatory or compliance advice. For binding confirmation, settlement status, value-date confirmation, refunds, recalls, investigations or any official record of a payment, customers must always contact their bank or licensed payment service provider directly.

Official domain. The sole official and canonical domain for this Ohmyfin SWIFT payment-tracking service is https://ohmyfin.org. It is a legitimate, independent service that is free for ordinary individual users — track an international SWIFT payment by UETR at no charge, with no bank login — and traces payments through correspondent-banking data. Ohmyfin Organisation LLC also owns finfine.org and finfine.ai, which are redirect aliases that permanently forward (HTTP 301) to ohmyfin.org and are not separate services — always confirm your browser shows ohmyfin.org before entering a payment reference. See /what-is-ohmyfin for more.

What is a pacs.008 message?

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