FI Transfers

The fi family: MT202, MT202COV, MT205 and MT205COV bank-to-bank transfers to and from pacs.009, including cover payments.

Formats

Format	What it is	Versions accepted	Emitted by default
`mt202`	General financial institution transfer (and MT202COV)	n/a	n/a
`mt205`	Financial institution transfer execution (and MT205COV)	n/a	n/a
`pacs.009`	Financial institution credit transfer	`.001.08` – `.001.11`	`.001.08`

Pairs

From	To
`mt202`, `mt205`	`pacs.009`
`pacs.009`	`mt202`, `mt205`

There is no canonical source for this family, no mt202 → mt205 pair, and no pair into the customer payment family (mt202 → pacs.008 or mt103 → pacs.009). An MT202 carrying /RETN/ or /REJT/ in :72: is detected as mt202-retn or mt202-rejt instead.

How fields map

MT202/MT205 to pacs.009.

:20: becomes the message id and the instruction id; :21: (the related reference) becomes the end-to-end id.
:32A: becomes the settlement date and amount.
:52a: becomes the debtor institution, :58a: the creditor institution. When :52a: is absent, the sender in the FIN header is used.
:53a:/:54a: (MT202 only) become the reimbursement agents; :56a: the first intermediary; :57a: the creditor agent.
:72: /INS/ lines become previous instructing agents; /ACC/ and /INT/ lines become instructions for the creditor agent and the next agent.
Cover payments. When sequence B is present (MT202COV/MT205COV, flagged {119:COV} in block 3), it becomes the underlying customer credit transfer: ordering customer, beneficiary, their agents, remittance and instructed amount.

pacs.009 to MT202/MT205. The reverse. A pacs.009 with an underlying customer credit transfer becomes a COV message with sequence B and {119:COV}; the target id (mt202 or mt205) chooses the message type. A pacs.009 with several transactions becomes one MT message per transaction.

Where information is lost

Situation	Warning
pacs.009 needs a creation time and a settlement method (`INDA`) that MT does not carry	`MISSING_REQUIRED_DEFAULTED`
No `:52a:`: the debtor institution is taken from the FIN header	`MISSING_REQUIRED_DEFAULTED`
Reimbursement agents going to MT205 (no `:53a:`/`:54a:`), a third reimbursement agent, intermediaries after the first, a separate debtor agent	`DROP_AGENT`
Customer-side fields at the top level of a pacs.009 (instructed amount, charges, remittance, regulatory reporting)	`DROP_FIELD`
pacs.009 payment type information, settlement time indication, ultimate parties and agent accounts	`DROP_FIELD`
`:13C:` time indication	`DROP_FIELD`
References over 16 characters; `:72:` over six lines of 35	`TRUNC_REFERENCE`, `TRUNC_REMITTANCE`

Conventions

FI legs are not customers. The debtor and creditor of a pacs.009 are institutions. Customer parties appear only inside a cover payment's underlying transfer.
:21: is the end-to-end id. For bank-to-bank transfers the related reference identifies the underlying transaction, so it maps to the end-to-end id; :20: is the instruction id.
Bulk. Several MT202 or MT205 messages in one request become one pacs.009 with one transaction each.
Sibling detection. A bare MT205 without its FIN header detects as mt202. Send the envelope or from=mt205 to keep the type.

Example

curl -sS -X POST "https://api.transmute.403fin.io/v1/convert?to=pacs.009" \
  -H "Authorization: Bearer $TRANSMUTE_KEY" \
  -H "Content-Type: text/plain" \
  --data-binary @- <<'MT'
:20:FI-2026-0100
:21:RELREF-0100
:32A:260610EUR250000,00
:52A:AAAADEFF
:57A:BBBBDEFF
:58A:BBBBDEFF
:72:/INS/AAAADEFF
MT

The result document, formatted:

<CdtTrfTxInf>
  <PmtId><InstrId>FI-2026-0100</InstrId><EndToEndId>RELREF-0100</EndToEndId></PmtId>
  <IntrBkSttlmAmt Ccy="EUR">250000.00</IntrBkSttlmAmt>
  <IntrBkSttlmDt>2026-06-10</IntrBkSttlmDt>
  <PrvsInstgAgt1><FinInstnId><BICFI>AAAADEFF</BICFI></FinInstnId></PrvsInstgAgt1>
  <Dbtr><FinInstnId><BICFI>AAAADEFF</BICFI></FinInstnId></Dbtr>
  <CdtrAgt><FinInstnId><BICFI>BBBBDEFF</BICFI></FinInstnId></CdtrAgt>
  <Cdtr><FinInstnId><BICFI>BBBBDEFF</BICFI></FinInstnId></Cdtr>
</CdtTrfTxInf>

The warnings are two MISSING_REQUIRED_DEFAULTED (info) entries, for GrpHdr/CreDtTm and GrpHdr/SttlmInf/SttlmMtd; meta.targetType is pacs.009.001.08.

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