Since March 20th, 2023, cross-border payment messages via SWIFT are converted to an ISO 20022-based messaging (CBPR+ = cross border payments and reporting). It was the start of a multi-year coexistence period of MT and MX formats which will allow banks to already benefit from the richer, structured data of the XML standard, while other banks will use a longer transition period to switch from MT to MX. Passive accessibility for the MX formats is already mandatory since March 20th, 2023. All banks must have converted to ISO 20022 by the SWIFT release in November 2025 at the latest.

Outgoing Messages

From the time of the changeover, DZ BANK exclusively sends messages to other banks in the new MX format (pacs.008 or pacs.009) for the current MT formats MT 103 (single customer credit transfer) and MT 202 (general financial institution transfer).

For the MT 9** messages listed in the table, no conversion to MX is planned for the time being.

For message types for which there is no translation into MX formats, MT messages will continue to be sent by default, e.g. MT 110, MT 190, MT 290.

Incoming Messages

For incoming messages, DZ BANK follows the SWIFT’s recommendation and offers a service-oriented transitional solution: Since March 20th, 2023, DZ BANK is able to receive messages in both MT and MX format. From the SWIFT release in November 2025 onwards, all banks must have switched to ISO 20022 and from then onwards only messages in MX format will be accepted.

Our contact address for any enquiries or information in the context of the ISO 20022 migration (CBPR+) is: zv-one@dzbank.de