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HappyTARGET2 regular euro credit
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Banque de Démonstration
What is happening
pacs.008 into T2 RTGS
Debtor bank submits pacs.008 with ClrSys=TGT into TARGET2 (T2) RTGS for central bank money settlement during operating hours.
SEPA Credit TransferWhich rules? — SEPA Credit TransferWhich system? — STEP2
ISO 20022 payload· XML
pacs.008 interbank credit transfer
The same payment on the interbank leg. InstdAmt became IntrBkSttlmAmt, an IntrBkSttlmDt appeared, and TxId is now the identifier the CSM quotes in every response.
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.008.001.08">
<FIToFICstmrCdtTrf>
<GrpHdr>
<MsgId>PACS8-20260812-77412</MsgId>
<CreDtTm>2026-08-12T09:14:24</CreDtTm>
<NbOfTxs>1</NbOfTxs>
<TtlIntrBkSttlmAmt Ccy="EUR">1250.00</TtlIntrBkSttlmAmt>
<IntrBkSttlmDt>2026-08-13</IntrBkSttlmDt>
<SttlmInf>
<SttlmMtd>CLRG</SttlmMtd>
<ClrSys>
<Cd>STEP2</Cd>
</ClrSys>
</SttlmInf>
<InstgAgt>
<FinInstnId>
<BICFI>DEMOFRPPXXX</BICFI>
</FinInstnId>
</InstgAgt>
<InstdAgt>
<FinInstnId>
<BICFI>COBADEFFXXX</BICFI>
</FinInstnId>
</InstdAgt>
</GrpHdr>
<CdtTrfTxInf>
<PmtId>
<InstrId>INSTR-0001</InstrId>
<EndToEndId>E2E-2026-0842</EndToEndId>
<TxId>TX-DEMO-0000771412</TxId>
</PmtId>
<PmtTpInf>
<SvcLvl>
<Cd>SEPA</Cd>
</SvcLvl>
</PmtTpInf>
<IntrBkSttlmAmt Ccy="EUR">1250.00</IntrBkSttlmAmt>
<IntrBkSttlmDt>2026-08-13</IntrBkSttlmDt>
<ChrgBr>SLEV</ChrgBr>
<Dbtr>
<Nm>Marie Lefebvre</Nm>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>FR7630006000011234567890189</IBAN>
</Id>
</DbtrAcct>
<DbtrAgt>
<FinInstnId>
<BICFI>DEMOFRPPXXX</BICFI>
</FinInstnId>
</DbtrAgt>
<CdtrAgt>
<FinInstnId>
<BICFI>COBADEFFXXX</BICFI>
</FinInstnId>
</CdtrAgt>
<Cdtr>
<Nm>Atelier Rousseau SARL</Nm>
</Cdtr>
<CdtrAcct>
<Id>
<IBAN>DE89370400440532013000</IBAN>
</Id>
</CdtrAcct>
<RmtInf>
<Ustrd>Facture 2026-0842</Ustrd>
</RmtInf>
</CdtTrfTxInf>
</FIToFICstmrCdtTrf>
</Document>