ISO & SWIFT TAGS with XML structure

1. Creditor Account

In the ISO 20022 standard (specifically within payment messages like pacs.008 or pain.001), the Creditor Account is represented by the parent tag <CdtrAcct>.

XML Structure: Creditor Account (<CdtrAcct>)

XML

<CdtrAcct>
    <Id>
        <IBAN>DE12345678901234567890</IBAN>
        <Othr>
            <Id>123456789</Id>
            <SchmeNm>
                <Cd>BBAN</Cd>
                <Prtry>LocalAccountScheme</Prtry>
            </SchmeNm>
            <Issr>BANKDEFF</Issr>
        </Othr>
    </Id>
    <Tp>
        <Cd>CACC</Cd>
        <Prtry>PersonalChecking</Prtry>
    </Tp>
    <Ccy>EUR</Ccy>
    <Nm>Main Operating Account</Nm>
    <Prxy>
        <Tp>
            <Cd>TELE</Cd>
            <Prtry>MobilePayID</Prtry>
        </Tp>
        <Id>+491701234567</Id>
    </Prxy>
</CdtrAcct>

XML Hierarchy: Creditor Account (<CdtrAcct>)

• Level 1: <CdtrAcct> (Parent Container)
  • Level 2: ↳ <Id> (Account Identification)
    • Level 3:     ↳ <IBAN> (International Bank Account Number)
    • Level 3:     ↳ <Othr> (Other Identification)
      • Level 4:         ↳ <Id> (Identification String)
      • Level 4:         ↳ <SchmeNm> (Scheme Name Container)
        • Level 5:             ↳ <Cd> (Standard Code)
        • Level 5:             ↳ <Prtry> (Proprietary Scheme)
      • Level 4:         ↳ <Issr> (Issuer of the ID)
  • Level 2: ↳ <Tp> (Account Type)
    • Level 3:     ↳ <Cd> (Standard ISO Code)
    • Level 3:     ↳ <Prtry> (Proprietary Type)
  • Level 2: ↳ <Ccy> (Currency)
  • Level 2: ↳ <Nm> (Account Name)
  • Level 2: ↳ <Prxy> (Proxy Identification)
    • Level 3:     ↳ <Tp> (Proxy Type Container)
      • Level 4:         ↳ <Cd> (Standard Proxy Code)
      • Level 4:         ↳ <Prtry> (Proprietary Proxy Type)
    • Level 3:     ↳ <Id> (Proxy Value)

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Tag Definitions

Tag	Full Name	Definition
<CdtrAcct>	Creditor Account	The primary container for the beneficiary’s account information.
<Id>	Identification	The unique identifier for the account. Usually a choice between IBAN or a domestic ID.
<IBAN>	IBAN	The ISO 13616 standard International Bank Account Number.
<Othr>	Other	Used for non-IBAN identifiers (e.g., local account numbers, BBAN).
<SchmeNm>	Scheme Name	Provides the context for the “Other” ID (e.g., specifying if the ID is a Wallet ID).
<Issr>	Issuer	The entity that assigned the account number, such as a specific bank or a central clearing house.
<Tp>	Type	Specifies the nature of the account (e.g., CACC for Current, SVGS for Savings).
<Ccy>	Currency	The 3-letter ISO 4217 code representing the currency the account is denominated in.
<Nm>	Name	The name or nickname of the account as defined by the account owner.
<Prxy>	Proxy	An alias used to identify the account without sharing the account number (e.g., email or phone).