ValidateFin

ExternalProxyAccountType — Proxy account type — payment alias (ISO 20022)

ExternalProxyAccountType1Code says what kind of alias stands in for an account number: a mobile number (MBNO), an e-mail address (EMAL), a national identifier (NIDN), an LEI (LEIC), a token (TOKN). It sits in the account’s Prxy/Tp/Cd, alongside the alias itself.

ExternalProxyAccountType (Proxy account type — payment alias (ISO 20022))

ExternalProxyAccountType1Code says what kind of alias stands in for an account number: a mobile number (MBNO), an e-mail address (EMAL), a national identifier (NIDN), an LEI (LEIC), a token (TOKN). It sits in the account’s Prxy/Tp/Cd, alongside the alias itself.

ISO 20022 21 codes ISO 20022 Registration Authority

Overview

ExternalProxyAccountType1Code says what kind of alias stands in for an account number: a mobile number (MBNO), an e-mail address (EMAL), a national identifier (NIDN), an LEI (LEIC), a token (TOKN). It sits in the account’s Prxy/Tp/Cd, alongside the alias itself.

When it is used

Proxies are how someone gets paid without giving out an IBAN. The code tells the receiving system how to read the value that follows — an e-mail is not looked up the same way as a phone number. Note the account type and the proxy type are two different lists that share the same Tp/Cd shape.

Official source: ISO 20022 External Code Sets — publication 1Q2026 Last verified: License: CC-BY-4.0
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Proxy type codes (21)

CodeMeaning
TELEA telephone number in the format specified by the 'The international public telecommunication numbering plan ITU-T E.164
EMALInternationalised address of an electronic mail box for internet messages
DNAMInternationalised internet domain name
CINCCorporate Identification issued by a national institution or regulator, used as account proxy(applied for corporate account proxy).
COTXUnique government-issued tax Identification used as account proxy to identify the corporate (for example for government tax) and typically linked to the corporate bank account (applied for corporate account proxy)
COIDIdentification issued by a national institution or regulator (different from a national scheme like a clearing provider), used as account proxy (applied for corporate or individual account proxy)
CUSTAny other customer identification number issued by a corporate, bank or other organization, used as account proxy(applied for corporate or individual account proxy).
DRLCUnique government-issued Identification used as account proxy to identify the individual (for example for government charges, road taxes and tolls,vaccination charges) and typically linked to the individual's bank account (applied for individual account proxy)
EIDNGovernment-issued Identification (different from a passport Identification or a national Identification)Used as account proxy to identify the individual (for example for public benefits) and typically linked to the individual's bank account (applied for individual account proxy).
EWALMarket-adopted prepaid instruments like e-Wallets, payments to / from e-wallets from / to bank accounts (applied for corporate or individual account proxy)
PVTXUnique government-issued tax Identification used as account proxy to identify the individual for example for government tax) and typically linked to the individual's bank account (applied for individual account proxy)
LEICLegal Entity Identifier used as account proxy (applied for corporate account proxy)Use cases: Can be used by corporates as a "government-issued" Identification for registration with payment schemes as a proxy. The proxy may be further used for payments and collections using the underlying instant payment rails for a variety of corporate use cases.
MBNOMobile phone number in the format specified by the “The international public telecommunication numbering plan ITU- T E 164" (applied for corporate or individual account proxy)
NIDNUnique government-issued Identification used as account proxy to identify the individual or corporate for example for public benefits, government subsidies) and typically linked to the individual's / corporate bank account(applied for corporate or individual account proxy).
CCPTUnique government-issued Identification used as account proxy to identify the individual (for example for government charges, road taxes, vaccination charges) and typically linked to the individual's bank account (applied for individual account proxy)
SHIDAccount proxy issued by a payment scheme (applied for corporate or individual account proxy)Use cases: Any proxies issued by clearing systems, for example VPA (India), FPS Identifier (Hong Kong), Jompay (Malaysia) CCIN (Canada).
SOSEUnique government-issued Identification used as account proxy to identify the individual (for example for public benefits) and typically linked to the individual's bank account (applied for individual account proxy)
TOKNElectronic Identification used, for example, to mask an account number as a means of data secrecy(applied for corporate or individual account proxy).
UBILSubscriber Identification for utilities and servicesAs opposed to a biller Identification, this identification is used for the subscriber of the service (applied for corporate or individual account proxy).
VIPNAccount proxy for receiving insurance claims, pay insurance premium, road tax payments, traffic tickets etc.(applied for corporate or individual account proxy)
BIIDBillers of specific utilities could register for a Biller Identification as supported in the clearing scheme, and use this identification for collections (applied for corporate account proxy)
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