{"id":3071,"date":"2025-10-14T19:23:53","date_gmt":"2025-10-14T17:23:53","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=3071"},"modified":"2026-02-26T14:00:31","modified_gmt":"2026-02-26T13:00:31","slug":"iso-20022","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/standards-in-payments\/iso-20022\/","title":{"rendered":"ISO 20022"},"content":{"rendered":"\n<p>ISO 20022 is the international messaging standard for, among other things, the exchange of digital data in payments. This standard enables financial institutions worldwide to exchange information more efficiently and securely.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-is-iso-20022-important\">Why is ISO 20022 important?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Uniformity:<\/strong> financial institutions worldwide use the same language.<\/li>\n\n\n\n<li><strong>Efficiency:<\/strong> less manual processing and less chance of errors.<\/li>\n\n\n\n<li><strong>Rich data:<\/strong> messages contain more information, e.g. for fraud prevention.<\/li>\n\n\n\n<li><strong>Future-proof:<\/strong> easily scalable for new services and products.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-iso-20022-in-the-netherlands\">ISO 20022 in the Netherlands<\/h2>\n\n\n\n<p>The Dutch Payments Association supports banks and other market parties in implementing and using ISO 20022. The standard is used in the Netherlands for, among other things:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>all <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/\" type=\"btv_wiki\" id=\"3108\"><strong><u>account-to-account payments<\/u><\/strong><\/a> (transfers and direct debits)<\/li>\n\n\n\n<li><a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/instant-payments\/\" type=\"btv_wiki\" id=\"3110\"><strong><u>Instant Payments<\/u><\/strong><\/a><\/li>\n\n\n\n<li><em>Verification of Payee<\/em> (VoP, IBAN Name Check)<\/li>\n\n\n\n<li>Customer, account, and transaction reports<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-iso-20022-in-europe-and-worldwide\">ISO 20022 in Europe and worldwide<\/h2>\n\n\n\n<p>In Europe, ISO 20022 is already the standard for all account-to-account payments. Worldwide adoption is in full swing: <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/market-infrastructure\/swift\/\" type=\"btv_wiki\" id=\"3104\"><strong><u>SWIFT<\/u><\/strong><\/a> has been using the standard since the end of 2025 for all SWIFT messages between financial institutions. This makes ISO 20022 the global standard for interbank payments.<\/p>\n\n\n\n<p>For card payments, ISO 20022 will also become the global standard for exchanging card and payment data between payment terminals, transaction processors, issuers, acquirers, and card companies such as Mastercard, Visa, and American Express.<\/p>\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 rounded-full bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.betaalvereniging.nl&#x2F;en&#x2F;knowledge-base&#x2F;standards-in-payments&#x2F;sepa-implementation-guidelines&#x2F;\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tView the SEPA Implementation Guidelines\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\"transition-transform group-hover:translate-x-2 group-focus-visible:translate-x-2 flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M21.3105 10.9395L21.4141 11.0537C21.8942 11.6429 21.8596 12.5115 21.3105 13.0605L13.5 20.8711L11.3789 18.75L16.6289 13.5H2.25V10.5H16.6289L11.3789 5.25L13.5 3.12891L21.3105 10.9395Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t<\/div>\n","protected":false},"excerpt":{"rendered":"<p>ISO 20022 is the international messaging standard for, among other things, the exchange of digital data in payments. This standard enables financial institutions worldwide to exchange information more efficiently and securely.<\/p>\n","protected":false},"featured_media":1046,"parent":21,"menu_order":0,"template":"","meta":{"_acf_changed":true,"editor_notices":[]},"btv_subject_tax":[19],"class_list":["post-3071","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-payment-standards"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>ISO 20022 - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"ISO 20022 is the global messaging standard for payments, enabling richer data, efficient processing and secure interbank communication.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/standards-in-payments\/iso-20022\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ISO 20022\" \/>\n<meta property=\"og:description\" content=\"ISO 20022 is the global messaging standard for payments, enabling richer data, efficient processing and secure interbank communication.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/standards-in-payments\/iso-20022\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-26T13:00:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/ISO-610x343-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"610\" \/>\n\t<meta property=\"og:image:height\" content=\"343\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/standards-in-payments\/iso-20022\/\",\"url\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/standards-in-payments\/iso-20022\/\",\"name\":\"ISO 20022 - 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