Banking

Credit Transfers

Proprietary format	Reference	Code list
pain.001.001.03 CBI ISO20022	Schema: 03 Rulebook: 00.01.01 (CBI)	IT_pain001_V03_CBI_ISO20022

Similar to the CBI Customer Direct Debit, specifications for the XML Customer Credit Transfer are based on the ISO20022 message pain.001.001.03 and are compliant with the SEPA Rulebook.

The CBI credit transfer message format (for SEPA payments) is likewise similar to pain.001, with some local specificities and is the only accepted format within the CBI network which allows sending of all payment flows that are transmitted for processing to appropriate banks.

Though most banks are CBI members and are required to used the CBI formats, the standard SEPA (for Domestic and SEPA payments) and ISO20022 (for Non-SEPA cross-border payments) formats are also available for use by non-CBI members, unless there is a specific message required by the bank.

Debit Transfers

Proprietary format	Reference	Code list
pain.008.001.02 CBI ISO20022	00.01.00	IT_pain008_V02_CBI_ISO20022

CBI (Customer to Business Interaction) specifications for the XML Customer Direct Debit is based on ISO20022 message pain.008.001.02 and are compliant with the SEPA Rulebook.

The CBI direct debit message format is similar to pain.008 with some local specificities. This is the only accepted format within the CBI network which allows sending of all collection flows that are transmitted for processing to appropriate banks.

Though most banks are CBI members and are required to used the CBI format, the standard SEPA and ISO20022 formats are available for use by non - CBI members, unless there is a specific message required by the bank.