camt.110
Message Typecamt.110.001.01
camt.110 is the ISO 20022 investigation enquiry message that a bank sends when it needs to query the status of a cross-border payment.
camt.110 (Financial Institution Enquiry) is sent by a financial institution when it needs information about a payment — for example, to investigate a missing fund claim from a customer or to request additional compliance data. The receiving institution responds with a camt.111 (Financial Institution Enquiry Response).
This message pair is significant because it is the final mandatory element of the CBPR+ Phase 3 implementation. SWIFT set November 14, 2026 as the deadline by which institutions must be able to receive camt.110/111, with full send-and-receive capability mandatory in November 2027. Before ISO 20022, investigation queries were handled via MT195/MT196 free-text messages, which were slow, unstructured, and often required manual handling.
With camt.110, investigation messages carry full UETR references, precise transaction details, and structured compliance fields — dramatically reducing the 3-5 business day resolution time typical of legacy investigations down to near-real-time.
Crypto Relevance
The November 2026 camt.110 mandate is the final milestone of SWIFT's ISO 20022 migration — the completion of the backbone infrastructure that XRP, XLM, and HBAR are all positioning to operate within.
Get the institutional context, investment implications, and common misconceptions about camt.110 — a When Moon 589 editorial deep dive for ISO 20022 investors.
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Join ISO 20022 investorsRelated Terms
CBPR+
CBPR+ is the SWIFT-governed ISO 20022 standard that all banks must adopt for cross-border payments, replacing the legacy MT message suite.
UETR
UETR (Unique End-to-End Transaction Reference) is the 36-character UUID that tracks a cross-border payment through every bank hop under SWIFT gpi.
SWIFT gpi
SWIFT gpi is the cross-border payment tracking layer that adds a unique end-to-end transaction reference (UETR) to every payment message.
pacs.008
pacs.008 is the ISO 20022 interbank credit transfer message that replaces the legacy SWIFT MT103.
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Last reviewed: 2026-06-14