What does PHOB mean in ISO 20022?

PHOB is Phone Beneficiary in the ExternalDebtorAgentInstruction1Code code set: Please advise/contact (ultimate) creditor/claimant by phone.

Where does PHOB appear in a message?

For example in pain.001, element PmtInf/CdtTrfTxInf/InstrForDbtrAgt/Cd.

ExternalDebtorAgentInstruction1Code

PHOB Code: Phone Beneficiary

Written and maintained by ZagTrader. Last reviewed 21 October 2026. How this page is sourced and checked

PHOB means phone beneficiary in the ISO 20022 debtor agent instruction code set. Please advise/contact (ultimate) creditor/claimant by phone.

Code: PHOB
ISO name: PhoneBeneficiary
Status: Registered
Last updated: 2019-12-18

Official definition

Please advise/contact (ultimate) creditor/claimant by phone.

Definition from the ISO 20022 External Code Sets, 2Q2026 (published 28 Aug 2026).

Messages and fields that use ExternalDebtorAgentInstruction1Code

Message	Element path
pain.001	PmtInf/CdtTrfTxInf/InstrForDbtrAgt/Cd

PHOB in other code sets

PHOB questions

What does PHOB mean in ISO 20022?: PHOB is Phone Beneficiary in the ExternalDebtorAgentInstruction1Code code set: Please advise/contact (ultimate) creditor/claimant by phone.
Where does PHOB appear in a message?: For example in pain.001, element PmtInf/CdtTrfTxInf/InstrForDbtrAgt/Cd.

All ExternalDebtorAgentInstruction1Code codes · ISO 20022 code sets

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