ISO 20022 Payment Messages

ISO_20022free

Validate financial messaging data — BIC/SWIFT codes, IBAN format with mod-97, monetary amounts per ISO 20022.

9 rules 2863 downloads4.4 avg (227)

iso-20022swiftbicibanpaymentsbanking

4.4(227 ratings)

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About this pack

Data quality rules for ISO 20022 financial messaging compliance. Covers: - BIC/SWIFT code format (8 or 11 characters, ISO 9362) - IBAN format with mod-97 check digit validation - Monetary amount format (up to 18 integer + 5 decimal digits) - Currency code validation (ISO 4217) Based on ISO 20022 message definitions and SWIFT standards.

Sources & References

BCBS_239 — Principle 2

Data architecture and infrastructure must use standardized reference data

GDPR — Article 44-49

Cross-border transfer validation requires valid country identification

BCBS_239 — Principle 3

Accuracy of financial reference data including account identifiers

What's included

6format rules

2completeness rules

1uniqueness rules

Checks included (9)

BIC/SWIFT Code Format(bic_code)

Validates that BIC (Business Identifier Code) / SWIFT codes conform to the ISO 9362 standard format. A BIC is either 8 or 11 characters: 4 letters (bank code) + 2 letters (country code per ISO 3166-1) + 2 alphanumeric (location code) + optional 3 alphanumeric (branch code). An 8-character BIC implicitly refers to the primary office.

IBAN Format and Mod-97 Check(iban)

Validates that International Bank Account Numbers (IBANs) conform to the ISO 13616 format: 2 uppercase letters (country code) followed by 2 check digits and up to 30 alphanumeric characters (the Basic Bank Account Number). The check digits are validated using the mod-97 algorithm per ISO 7064. This rule validates the format structure; full mod-97 computation requires engine-specific implementation.

ISO 20022 Monetary Amount Format(transaction_amount)

Validates that monetary amount values conform to the ISO 20022 ActiveCurrencyAndAmount format. Amounts must be positive numeric values with up to 18 integer digits and up to 5 decimal places. The value must not contain currency symbols, commas, or negative signs. This format is used across ISO 20022 payment messages (pacs, pain, camt).

ISO Currency Code Validation(currency_code)

Validates that values are valid ISO 4217 currency codes (e.g., USD, EUR, GBP, JPY)

ISO Country Code Validation(country_code)

Validates that values are valid ISO 3166-1 alpha-2 country codes (e.g., US, GB, DE, FR)

IBAN Format Validation(iban)

Validates International Bank Account Number format — 2-letter country code, 2 check digits, and up to 30 alphanumeric characters

Column Not Null

Asserts that a specified column contains no null values. This is the most fundamental completeness check — every row must have a value present in the target column.

Column Completeness Threshold

Asserts that a column meets a minimum completeness threshold, measured as the percentage of non-null values. Useful when some nulls are acceptable but the overall population rate must stay above a defined level (e.g., 95%).

Column Unique

Validates that all non-null values in a specified column are unique. Useful for natural keys, email addresses, identifiers, and any column where duplicates indicate a data quality issue.