Fedwire pacs.008 — conformant customer credit transfer

Name: Fedwire pacs.008 — conformant customer credit transfer — pacs.008.001.08 sample file
Creator: ValidateFin
License: https://creativecommons.org/licenses/by/4.0/

A customer wire with a Business Application Header and hybrid postal addresses — it already meets the format required from 16 November 2026.

pacs.008.001.08 — Valid

A customer wire with a Business Application Header and hybrid postal addresses — it already meets the format required from 16 November 2026.

Fedwire ISO 20022 message (US) pacs.008.001.08 Federal Reserve — Fedwire Funds Service (ISO 20022, live since 14/07/2025)Expected result: Valid

What this file shows

A customer wire with a Business Application Header and hybrid postal addresses — it already meets the format required from 16 November 2026.

Transactions	1
Total	$125,000.00
Date in the file	2026-11-20

Last verified: 2026-07-13License: CC-BY-4.0

Download the file Open the matching validator

Every party, IBAN and amount below is fictitious. The IBANs are structurally valid — they pass the mod-97 check — but they belong to no real account.

File content

<?xml version="1.0" encoding="UTF-8"?>
<Envelope>
    <AppHdr xmlns="urn:iso:std:iso:20022:tech:xsd:head.001.001.03">
        <Fr>
            <FIId>
                <FinInstnId>
                    <BICFI>CHASUS33XXX</BICFI>
                    <ClrSysMmbId>
                        <ClrSysId>
                            <Cd>USABA</Cd>
                        </ClrSysId>
                        <MmbId>021000021</MmbId>
                    </ClrSysMmbId>
                </FinInstnId>
            </FIId>
        </Fr>
        <To>
            <FIId>
                <FinInstnId>
                    <BICFI>PNBPUS3NNYC</BICFI>
                    <ClrSysMmbId>
                        <ClrSysId>
                            <Cd>USABA</Cd>
                        </ClrSysId>
                        <MmbId>021000089</MmbId>
                    </ClrSysMmbId>
                </FinInstnId>
            </FIId>
        </To>
        <BizMsgIdr>20261120CHASUS33001</BizMsgIdr>
        <MsgDefIdr>pacs.008.001.08</MsgDefIdr>
        <CreDt>2026-11-20T09:30:00Z</CreDt>
    </AppHdr>
    <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.008.001.08">
        <FIToFICstmrCdtTrf>
            <GrpHdr>
                <MsgId>20261120CHASUS33001</MsgId>
                <CreDtTm>2026-11-20T09:30:00</CreDtTm>
                <NbOfTxs>1</NbOfTxs>
                <SttlmInf>
                    <SttlmMtd>CLRG</SttlmMtd>
                </SttlmInf>
            </GrpHdr>
            <CdtTrfTxInf>
                <PmtId>
                    <InstrId>FDW20261120001</InstrId>
                    <EndToEndId>INV-2026-8842</EndToEndId>
                    <UETR>7a56b2c4-1f3e-4d9a-b8e5-2c1a9f7d3b60</UETR>
                </PmtId>
                <IntrBkSttlmAmt Ccy="USD">125000.00</IntrBkSttlmAmt>
                <IntrBkSttlmDt>2026-11-20</IntrBkSttlmDt>
                <ChrgBr>SHAR</ChrgBr>
                <Dbtr>
                    <Nm>Northwind Manufacturing Inc</Nm>
                    <PstlAdr>
                        <StrtNm>West 57th Street</StrtNm>
                        <BldgNb>240</BldgNb>
                        <PstCd>10019</PstCd>
                        <TwnNm>New York</TwnNm>
                        <CtrySubDvsn>NY</CtrySubDvsn>
                        <Ctry>US</Ctry>
                    </PstlAdr>
                </Dbtr>
                <DbtrAcct>
                    <Id>
                        <Othr>
                            <Id>4417820033</Id>
                        </Othr>
                    </Id>
                </DbtrAcct>
                <DbtrAgt>
                    <FinInstnId>
                        <BICFI>CHASUS33XXX</BICFI>
                        <ClrSysMmbId>
                            <ClrSysId>
                                <Cd>USABA</Cd>
                            </ClrSysId>
                            <MmbId>021000021</MmbId>
                        </ClrSysMmbId>
                    </FinInstnId>
                </DbtrAgt>
                <CdtrAgt>
                    <FinInstnId>
                        <BICFI>PNBPUS3NNYC</BICFI>
                        <ClrSysMmbId>
                            <ClrSysId>
                                <Cd>USABA</Cd>
                            </ClrSysId>
                            <MmbId>021000089</MmbId>
                        </ClrSysMmbId>
                    </FinInstnId>
                </CdtrAgt>
                <Cdtr>
                    <Nm>Pacific Components LLC</Nm>
                    <PstlAdr>
                        <StrtNm>Market Street</StrtNm>
                        <BldgNb>1355</BldgNb>
                        <PstCd>94103</PstCd>
                        <TwnNm>San Francisco</TwnNm>
                        <CtrySubDvsn>CA</CtrySubDvsn>
                        <Ctry>US</Ctry>
                    </PstlAdr>
                </Cdtr>
                <CdtrAcct>
                    <Id>
                        <Othr>
                            <Id>9920014455</Id>
                        </Othr>
                    </Id>
                </CdtrAcct>
                <RmtInf>
                    <Ustrd>Invoice 8842 - Q4 component delivery</Ustrd>
                </RmtInf>
            </CdtTrfTxInf>
        </FIToFICstmrCdtTrf>
    </Document>
</Envelope>

How we know these results hold

Every file in this library is run through the site's own validator on each build. The expected result stated above is asserted by an automated test — if a file stopped matching what this page claims, the build would fail. Two inherited fixtures were repaired this way before publication: three IBANs failed the mod-97 check and several names used characters outside the basic SEPA character set.

Fedwire ISO 20022 message (US)

All sample files https://validatefin.com/samples/fedwire-pacs008-valid.xml