MT101 → pain.001

Context: Request-for-transfer to customer credit transfer initiation. Corporates migrating channel formats meet this mapping first.

Contributor Shubham Mathure12 July 2026

EXPLORE THE TRANSLATION — SIDE BY SIDE

Click a highlighted field on either side. Its counterparts light up opposite, and the translation note appears below.

MT101

 1{1:F01DEMODEFFAXXX0000000000}
 2{2:I101DEMODEFFXXXXN}
 3{3:{108:DEMO-ONLY}}
 4{4:
 5
 6
 7
 8
 9
10
11
12
13
14
15
16
17
18
19:70:DEMO INVOICE 1001
20
21-}

pain.001

 1<?xml version="1.0" encoding="UTF-8"?>
 2<!-- Illustrative non-production data -->
 3<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.09">
 4  <CstmrCdtTrfInitn>
 5    <GrpHdr>
 6
 7
 8
 9      <CtrlSum>1250.00</CtrlSum>
10
11    </GrpHdr>
12    <PmtInf>
13
14
15      <PmtTpInf>
16        <InstrPrty>NORM</InstrPrty>
17
18
19      </PmtTpInf>
20
21
22
23
24
25
26
27
28
29
30
31
32
33      <CdtTrfTxInf>
34
35
36        <CdtrAgt><FinInstnId><BICFI>DEMOGB2LXXX</BICFI></FinInstnId></CdtrAgt>
37
38
39
40
41
42
43
44
45
46
47
48
49        <RmtInf>
50
51
52
53
54
55
56
57        </RmtInf>
58      </CdtTrfTxInf>
59    </PmtInf>
60  </CstmrCdtTrfInitn>
61</Document>

Nothing selected yet — try the amount field on either side and watch one MT field become two structured MX elements.

MT101 → pain.001 field mapping
MT101	pain.001	CORRESPONDENCE	NOTE
`:20:`	`GrpHdr/MsgId`	PARTIAL	The sender's reference informs the message id; pain.001 also carries per-payment ids MT101 lacks.
`:28D:`	none	NO EQUIVALENT	Message pagination is unnecessary — XML nesting replaces index/total sequencing.
`:50a: (instructing party)`	`GrpHdr/InitgPty`	TRANSFORMED	The instructing party becomes the initiating party, structured.
`:50a: (ordering customer)`	`PmtInf/Dbtr + DbtrAcct`	TRANSFORMED	Account owner splits into structured party and account elements.
`:30:`	`PmtInf/ReqdExctnDt`	DIRECT	Requested execution date maps one-to-one.
`:21:`	`CdtTrfTxInf/PmtId/EndToEndId`	DIRECT	The transaction reference becomes the end-to-end id that survives the whole chain.
`:32B:`	`CdtTrfTxInf/Amt/InstdAmt`	DIRECT	Currency and amount.
`:57a:`	`CdtTrfTxInf/CdtrAgt`	DIRECT	Account-with institution → creditor agent.
`:59a:`	`CdtTrfTxInf/Cdtr + CdtrAcct`	TRANSFORMED	Beneficiary splits into structured party + account.
`:70:`	`CdtTrfTxInf/RmtInf`	PARTIAL	Free text carries over; structured remittance is only available on the MX side.
`:71A:`	`CdtTrfTxInf/ChrgBr`	TRANSFORMED	OUR→DEBT, SHA→SHAR, BEN→CRED.

Sources for this mapping2

Market practice
ISO 20022 Catalogue of messages ↗ — ISO 20022 Registration Authority
Defines the current versions of all ISO 20022 message definitions, including the pain, pacs, and camt messages taught on this site. · Checked 2026-07-12
Each message set is described by a Message Definition Report; earlier versions remain available in the ISO 20022 messages archive.
Simplified educational illustration
Payments Signal editorial teaching models — Payments Signal
This site's own simplified teaching models. · Checked 2026-07-12
What this simplifies: Row set curated for learning.
Used wherever diagrams, scenarios, figures, or example values are didactic constructions rather than sourced facts; every such use carries a simplifications disclosure. All people, companies, banks, and list entries in examples are fictional.