Last reviewed: · Curated by Ohmyfin Organisation editorial.
pacs.009 (FinancialInstitutionCreditTransfer) is the ISO 20022 equivalent of SWIFT MT202 — used by banks to settle between themselves, usually as cover behind a pacs.008 customer transfer.
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Fraud Awareness Notice
If you received a payment document from a third party, verify directly with your own bank before releasing goods or funds. Fake MT103 / pacs.008 confirmations are widely used in advance-fee scams. See our fraud guide →
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Details
pacs.009 has a "core" version for direct bank settlement and a "COV" version that carries underlying customer details for sanctions screening (the successor to MT202COV).
Key facts
ISO 20022 equivalent of MT202
Bank-to-bank only
COV variant carries underlying customer data
Same UETR as the customer pacs.008 it covers
Frequently asked questions
Will I see pacs.009 as a customer?
No — pacs.009 is exchanged between banks, not visible on customer statements.
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