ISO 20022 Credit Transfer — pain.001 (XML)
A sample ISO 20022 customer credit-transfer initiation (pain.001.001.09) — a single payment with debtor/creditor parties, IBANs, BICs, amount, and remittance info. IBANs are published documentation examples; a fixture for testing payment-message parsers and bank integrations.
<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.09">
<CstmrCdtTrfInitn>
<GrpHdr>
<MsgId>NOVUS-SAMPLE-0001</MsgId>
<CreDtTm>2026-01-15T09:30:00</CreDtTm>
<NbOfTxs>1</NbOfTxs>
<CtrlSum>1250.00</CtrlSum>
<InitgPty><Nm>Example Trading Ltd</Nm></InitgPty>
</GrpHdr>
<PmtInf>
<PmtInfId>PMT-0001</PmtInfId>
<PmtMtd>TRF</PmtMtd>
<NbOfTxs>1</NbOfTxs>
<CtrlSum>1250.00</CtrlSum>
<ReqdExctnDt><Dt>2026-01-16</Dt></ReqdExctnDt>
<Dbtr><Nm>Example Trading Ltd</Nm></Dbtr>
<DbtrAcct><Id><IBAN>GB33BUKB20201555555555</IBAN></Id></DbtrAcct>
<DbtrAgt><FinInstnId><BICFI>BUKBGB22</BICFI></FinInstnId></DbtrAgt>
<CdtTrfTxInf>
<PmtId><EndToEndId>INV-2026-0042</EndToEndId></PmtId>
<Amt><InstdAmt Ccy="EUR">1250.00</InstdAmt></Amt>
<CdtrAgt><FinInstnId><BICFI>DEUTDEFF</BICFI></FinInstnId></CdtrAgt>
<Cdtr><Nm>Beispiel Lieferant GmbH</Nm></Cdtr>
<CdtrAcct><Id><IBAN>DE89370400440532013000</IBAN></Id></CdtrAcct>
<RmtInf><Ustrd>Invoice INV-2026-0042</Ustrd></RmtInf>
</CdtTrfTxInf>
</PmtInf>
</CstmrCdtTrfInitn>
</Document>
Specifications
- Standard
- ISO 20022 pain.001.001.09
- Transactions
- 1
- Note
- sample; IBANs are published documentation examples
What is a .xml file?
XML (Extensible Markup Language) is a verbose, self-describing markup language using nested tags, attributes, and namespaces to represent structured, hierarchical data. It supports schemas, entities, and validation and underlies many document and data formats. It remains common in enterprise, publishing, and interchange contexts.
How to use this file
Use an example XML file to test parsers, namespace and schema validation, XPath queries, and protection against entity-expansion and external-entity attacks.
Code examples
import xml.etree.ElementTree as ET
tree = ET.parse("iso20022-pain001.xml")
root = tree.getroot()
print(root.tag, [c.tag for c in root][:5])Related files
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