Documentationkeyboard_arrow_right
Banking Serviceskeyboard_arrow_right
Transaction Bankingkeyboard_arrow_right
Connectivitykeyboard_arrow_right
Swift
menu

Swift services

Swift FIN

Swift FIN is used for sending stand-alone industry standard MT messages through the secure Swift network in store-and-forward mode. User-to-user, user-to-Swift, and Swift-to-user messages are sent and received within the FIN service

Key Features
  • You send the message via Swift network to the TxB BIC, and Swift routes the message to TxB, and vice versa
Connectivity Pre-requisites
  • BIC: Include only the Swift-registered BIC of the user that initiated the file transfer

Swift FINplus

Swift FINplus is an enhanced messaging service that runs on the SwiftNet InterAct in SnF (store-and-forward) mode. FINplus enables the exchange of MX (ISO 20022 XML) messages under the CBPR+ framework

  • As part of the global transition to ISO 20022, all cross-border payments are progressively moving to this standardized channel, with a significant deadline for interbank payments set for November 2025
  • FINplus provides a reliable means for financial institutions to exchange ISO 20022 messages, supporting various message types including payments and cash management.

To establish connectivity to Goldman Sachs Transaction Banking services via Swift FINplus, clients must adhere to general Swift requirements and specific TxB configurations listed below

Connectivity Pre-requisites
  • To connect to TxB services via Swift FINplus, clients must meet general Swift requirements. This involves ensuring eligibility as a Swift service user, subscribing to FINplus services directly through Swift, and configuring their infrastructure to support the FINplus service on SwiftNet InterAct in store-and-forward mode. Refer FINplus guide for more details
  • Finally, all messages exchanged must comply with ISO 20022 standards, include the mandatory Business Application Header version 2 (BAHv2), and be validated against both ISO 20022 base message rules and specific usage guidelines.
Configuration setup with TxB details
  • Set up Relationship Management Application (RMA) authorizations for communication flows and configure Distinguished Name (DN). Use the same Goldman Sachs BICs for FINplus that you currently use for Swift FIN messaging. Refer here for Production BICs and Test BICs
  • The table below provides a Swift registered DNs for TxB, categorized by service configuration and environment
EnvironmentService NameService DescriptionUS Branch DNGB Branch DNDE Branch DNNL Branch DN
Productionswift.finplusFINplus Channelsou=txb,o=gscrus33,o=swiftou=txb,o=gsldgb2l,o=swiftou=txb,o=golddefb,o=swiftou=txb,o=goldnl2a,o=swift
Client Integration Testingswift.finplus!pcFINplus Pilot Current Channelscn=cit,ou=txb,o=gscrus33,o=swiftcn=cit,ou=txb,o=gsldgb2l,o=swiftcn=cit,ou=txb,o=golddefb,o=swiftcn=cit,ou=txb,o=goldnl2a,o=swift
Client Integration Testingswift.finplus!pfFINplus Pilot Future Channelscn=cit,ou=txb,o=gscrus33,o=swiftcn=cit,ou=txb,o=gsldgb2l,o=swiftcn=cit,ou=txb,o=golddefb,o=swiftcn=cit,ou=txb,o=goldnl2a,o=swift
  • Clients with accounts across multiple branches, can route all FINplus messages to a central processing BIC, removing the requirement for regional routing

Note: This document provides general guidance for client integration with TxB using Swift and ISO 20022 formatting standards. It does not constitute, and should not be relied upon as, professional, financial, investment, legal, tax, or any other form of advice. Please refer to Swift’s website and documentation for definitive and most current information regarding Swift standards, specifications, and policies. Please refer to iso20022.org as the sole source of up-to-date materials and information on ISO 20022 message standards

Contents
Solutions
Curated Data Security MasterData AnalyticsPlotTool ProPortfolio AnalyticsGS QuantTransaction BankingGS DAP®
Docs
Data ServicesPricing & Risk ServicesIndex ServicesHedging ServicesPortfolio ServicesContent ServicesRIA CustodyCommission ManagerTransaction BankingGS SelectGS QuantPlotTool Pro
Learn More
BlogOpen SourceData Partnersdatonomy™CareersAbout Goldman Sachs
Goldman Sachs DeveloperPrivacy and CookiesGS Terms & ConditionsRegulatory DisclosuresSecurity
GS DAP® is owned and operated by Goldman Sachs. This site is for informational purposes only and does not constitute an offer to provide, or the solicitation of an offer to provide access to or use of GS DAP®. Any subsequent commitment by Goldman Sachs to provide access to and / or use of GS DAP® would be subject to various conditions, including, amongst others, (i) satisfactory determination and legal review of the structure of any potential product or activity, (ii) receipt of all internal and external approvals (including potentially regulatory approvals); (iii) execution of any relevant documentation in a form satisfactory to Goldman Sachs; and (iv) completion of any relevant system / technology / platform build or adaptation required or desired to support the structure of any potential product or activity. All GS DAP® features may not be available in certain jurisdictions. Not all features of GS DAP® will apply to all use cases. Use of terms (e.g., "account") on GS DAP® are for convenience only and does not imply any regulatory or legal status by such term.
¹ Real-time data can be impacted by planned system maintenance, connectivity or availability issues stemming from related third-party service providers, or other intermittent or unplanned technology issues.
Transaction Banking services are offered by Goldman Sachs Bank USA (“GS Bank”) and its affiliates. GS Bank is a New York State chartered bank, a member of the Federal Reserve System and a Member FDIC. For additional information, please see Bank Regulatory Information.
Certain solutions and Institutional Services described herein are provided via our Marquee platform. The Marquee platform is for institutional and professional clients only. This site is for informational purposes only and does not constitute an offer to provide the Marquee platform services described, nor an offer to sell, or the solicitation of an offer to buy, any security. Some of the services and products described herein may not be available in certain jurisdictions or to certain types of clients. Please contact your Goldman Sachs sales representative with any questions. Any data or market information presented on the site is solely for illustrative purposes. There is no representation that any transaction can or could have been effected on such terms or at such prices. Please see https://www.goldmansachs.com/disclaimer/sec-div-disclaimers-for-electronic-comms.html for additional information.
Mosaic is a service mark of Goldman Sachs & Co. LLC. This service is made available in the United States by Goldman Sachs & Co. LLC and outside of the United States by Goldman Sachs International, or its local affiliates in accordance with applicable law and regulations. Goldman Sachs International and Goldman Sachs & Co. LLC are the distributors of the Goldman Sachs Funds. Depending upon the jurisdiction in which you are located, transactions in non-Goldman Sachs money market funds are affected by either Goldman Sachs & Co. LLC, a member of FINRA, SIPC and NYSE, or Goldman Sachs International. For additional information contact your Goldman Sachs representative. Goldman Sachs & Co. LLC, Goldman Sachs International, Goldman Sachs Liquidity Solutions, Goldman Sachs Asset Management, L.P., and the Goldman Sachs funds available through Goldman Sachs Liquidity Solutions and other affiliated entities, are under the common control of the Goldman Sachs Group, Inc.
© 2025 Goldman Sachs. All rights reserved.