ValidateFin

Fedwire pacs.009 — conformant bank-to-bank transfer

A financial institution credit transfer: the bank-to-bank leg, where both debtor and creditor are banks rather than customers.

pacs.009.001.08 — Valid

A financial institution credit transfer: the bank-to-bank leg, where both debtor and creditor are banks rather than customers.

Fedwire ISO 20022 message (US) pacs.009.001.08 Federal Reserve — Fedwire Funds Service (ISO 20022, live since 14/07/2025)Expected result: Valid

What this file shows

A financial institution credit transfer: the bank-to-bank leg, where both debtor and creditor are banks rather than customers.

Transactions1
Total$7,500,000.00
Date in the file2026-11-20
Last verified: License: 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>BOFAUS3NXXX</BICFI>
                </FinInstnId>
            </FIId>
        </Fr>
        <To>
            <FIId>
                <FinInstnId>
                    <BICFI>CITIUS33XXX</BICFI>
                </FinInstnId>
            </FIId>
        </To>
        <BizMsgIdr>20261120BOFAUS3N7742</BizMsgIdr>
        <MsgDefIdr>pacs.009.001.08</MsgDefIdr>
        <CreDt>2026-11-20T14:05:00Z</CreDt>
    </AppHdr>
    <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.009.001.08">
        <FICdtTrf>
            <GrpHdr>
                <MsgId>20261120BOFAUS3N7742</MsgId>
                <CreDtTm>2026-11-20T14:05:00</CreDtTm>
                <NbOfTxs>1</NbOfTxs>
                <SttlmInf>
                    <SttlmMtd>CLRG</SttlmMtd>
                </SttlmInf>
            </GrpHdr>
            <CdtTrfTxInf>
                <PmtId>
                    <InstrId>BKTOBK20261120A</InstrId>
                    <EndToEndId>LIQ-TRANSFER-4471</EndToEndId>
                    <UETR>c1d2e3f4-5a6b-4c8d-9e0f-1a2b3c4d5e6f</UETR>
                </PmtId>
                <IntrBkSttlmAmt Ccy="USD">7500000.00</IntrBkSttlmAmt>
                <IntrBkSttlmDt>2026-11-20</IntrBkSttlmDt>
                <Dbtr>
                    <FinInstnId>
                        <BICFI>BOFAUS3NXXX</BICFI>
                        <ClrSysMmbId>
                            <ClrSysId>
                                <Cd>USABA</Cd>
                            </ClrSysId>
                            <MmbId>026009593</MmbId>
                        </ClrSysMmbId>
                    </FinInstnId>
                </Dbtr>
                <Cdtr>
                    <FinInstnId>
                        <BICFI>CITIUS33XXX</BICFI>
                        <ClrSysMmbId>
                            <ClrSysId>
                                <Cd>USABA</Cd>
                            </ClrSysId>
                            <MmbId>021000089</MmbId>
                        </ClrSysMmbId>
                    </FinInstnId>
                </Cdtr>
            </CdtTrfTxInf>
        </FICdtTrf>
    </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 fileshttps://validatefin.com/samples/fedwire-pacs009-valid.xml