MT 103: (1) Field 20: Sender’s Reference
Format
| 16x |
Presence
Mandatory
Definition
This field specifies the reference assigned by the Sender to unambiguously identify the message.
Network Validated Rules
This field must not start or end with a slash ‘/’ and must not contain two consecutive slashes ‘//’ (Error code(s): T26).
Usage Rules
- This reference must be quoted in any related confirmation or statement, for example, MT 900, 910 and/or 950.
- When the cover method is used for a customer credit transfer, this reference must be quoted unchanged in field 21 of the related MT 202 COV.
Example
:20:Ref254
MT 103: (3) Field 23B: Bank Operation Code
Format
| Option B | 4!c | (Type) |
Presence
Mandatory
Definition
This field identifies the type of operation.
Codes
One of the following codes must be used (Error code(s): T36):
| CRED | Normal credit transfer | This message contains a credit transfer where there is no SWIFT Service Level involved. |
| CRTS | Test message | This message contains a credit transfer for test purposes. |
| SPAY | SWIFTPay | This message contains a credit transfer to be processed according to the SWIFTPay Service Level. |
| SPRI | Priority | This message contains a credit transfer to be processed according to the Priority Service Level. |
| SSTD | Standard | This message contains a credit transfer to be processed according to the Standard Service Level. |
Usage Rules
The code CRTS should not be used on the FIN network.
Example
:23B:CRED
MT 103: (6) Field 32A: Value Date/Currency/Interbank Settled Amount
Format
| Option A | 6!n3!a15d | (Date)(Currency)(Amount) |
Presence
Mandatory
Definition
This field specifies the value date, the currency and the settlement amount. The settlement amount is the amount to be booked/reconciled at interbank level.
Network Validated Rules
Date must be a valid date expressed as YYMMDD (Error code(s): T50).
Currency must be a valid ISO 4217 currency code (Error code(s): T52).
The integer part of Amount must contain at least one digit. A decimal comma is mandatory and is included in the maximum length. The number of digits following the comma must not exceed the maximum number allowed for the specified currency (Error code(s): C03, T40, T43).
The codes XAU, XAG, XPD and XPT are not allowed, as these are codes for commodities for which the category 6 commodities messages must be used (Error code(s): C08).
Example
:32A:981209USD1000,00
MT 103: (9) Field 50a: Ordering Customer
Format
| Option A | [/34x] 4!a2!a2!c[3!c] | (Account) (Identifier Code) |
| Option F | 35x 4*35x | (Party Identifier) (Name and Address) |
| Option K | [/34x] 4*35x | (Account) (Name and Address) |
In option F, the following line formats must be used (Error code(s): T54):
| Line 1 (subfield Party Identifier) | /34x | (Account) |
| Lines 2-5 (subfield Name and Address) | 1!n/33x | (Number)(Details) |
Or
| Line 1 (subfield Party Identifier) | 4!a/2!a/27x | (Code)(Country Code)(Identifier) |
| Lines 2-5 (subfield Name and Address) | 1!n/33x | (Number)(Details) |
Presence
Mandatory
Definition
This field specifies the customer ordering the transaction.
Network Validated Rules
Identifier Code must be a registered BIC (Error code(s): T27, T28, T29, T45).
In option F, subfield 1 (Party Identifier) used with the (Code)(Country Code)(Identifier) format: Country Code must be a valid ISO country code (Error code(s): T73).
In option F, subfield 2 (Name and Address):
- The first line must start with number 1 (Error code(s): T56).
- Numbers must appear in numerical order (Error code(s): T56).
- Number 2 must not be used without number 3 (Error code(s): T56).
- The first occurrence of number 3 must be followed by a valid ISO country code (Error code(s): T73).
- Number 4 must not be used without number 5 and vice versa (Error code(s): T56).
- Number 4 must be followed by a valid date in the format YYYYMMDD and this date, local to the sender, must not be later than the date on which the message is successfully sent to SWIFT (Error code(s): T50).
- Numbers 5, 6 and 7 must be followed by a valid ISO country code (Error code(s): T73), a slash ‘/’ and additional Details (Error code(s): T56).
- Numbers 4, 5, 6, 7 and 8 must not be repeated (Error code(s): T56).
- The use of number 8 is only allowed in the following instances (Error code(s): T56):
- to continue information on the Identifier of the ordering customer provided in subfield 1 (Party Identifier) used with the (Code)(Country Code)(Identifier) format.
- to continue information on the Customer Identification Number provided in subfield 2 (Name and Address) following number 6.
- to continue information on the National Identity Number provided in subfield 2 (Name and Address) following number 7.
Usage Rules
If the account number of the ordering customer is known, it must be stated in Account.
In option F, subfield 2 (Name and Address): Numbers 1, 2 and 3 may be repeated.
In option F, subfield 2 (Name and Address): if number 2 is present, the first occurrence of number 3 must include the town in additional details.
In option F, subfield 1 (Party Identifier) used with the (Code)(Country Code)(Identifier) format: if additional space is required for providing the Identifier of the ordering customer, one of the following options must be used:
- First option (preferred): Identify the ordering customer with a different identifier where the length is not an issue.
- Second option: Continue the information in subfield 2 (Name and Address) using number 8.
In option F, subfield 2 (Name and Address): if additional space is required for providing the Customer Identification Number (number 6) or the National Identity Number (number 7) of the ordering customer, one of the following options must be used:
- First option (preferred): Identify the ordering customer with a different identifier where the length is not an issue.
- Second option: Continue the information in subfield 2 (Name and Address) using number 8.
Example
Option A
:50A:/293456-1254349-82
VISTUS31
Option F – Example 1
:50F:/12345678
1/SMITH JOHN
2/299, PARK AVENUE
3/US/NEW YORK, NY 10017
Option F – Example 2
:50F:/BE30001216371411
1/PHILIPS MARK
4/19720830
5/BE/BRUSSELS
Option F – Example 3
:50F:DRLC/BE/BRUSSELS/NB0949042
1/DUPONT JACQUES
2/HIGH STREET 6, APT 6C
3/BE/BRUSSELS
Option F – Example 4
:50F:NIDN/DE/121231234342
1/MANN GEORG
6/DE/ABC BANK/1234578293
Option F – Example 5
:50F:CUST/DE/ABC BANK/123456789/8-123456
1/MANN GEORG
2/LOW STREET 7
3/DE/FRANKFURT
8/7890
MT 103: (17) Field 59a: Beneficiary Customer
Format
| No letter option | [/34x] 4*35x | (Account) (Name and Address) |
| Option A | [/34x] 4!a2!a2!c[3!c] | (Account) (Identifier Code) |
| Option F | [/34x] 4*(1!n/33x) | (Account) (Number)(Name and Address Details) |
Presence
Mandatory
Definition
This field specifies the customer which will be paid.
Codes
In option F, Number must contain one of the following values (Error code(s): T56):
| 1 | Name of the Beneficiary Customer | The number followed by a slash, ‘/’ must be followed by the name of the beneficiary customer. |
| 2 | Address Line | The number followed by a slash, ‘/’ must be followed by an address line (Address Line can be used to provide for example, street name and number, building name or post office box number). |
| 3 | Country and Town | The first occurrence of number 3 must be followed by a slash, ‘/’, the ISO country code and, optionally, additional details that are preceded by a slash ‘/’.Other occurrence(s) of number 3 must be followed by a slash ‘/’ and the continuation of additional details.Additional details can contain town, which can be complemented by postal code (for example zip) and country subdivision (for example, state, province, or county). The country code and town should, preferably, indicate the country and town of residence, as provided by the ordering customer. |
Codes
Account may contain one of the following codes, preceded by a double slash ‘//’:
| CH | 6!n | CHIPS Universal Identifier |
Network Validated Rules
Identifier Code must be a registered BIC (Error code(s): T27, T28, T29, T45).
In option F, for subfields (Number)(Name and Address Details):
- The first line must start with number 1 (Error code(s): T56).
- Numbers must appear in numerical order (Error code(s): T56).
- Number 2 must not be used without number 3 (Error code(s): T56).
- The first occurrence of number 3 must be followed by a valid ISO country code (Error code(s): T73).
Usage Rules
At least the name or the BIC of the beneficiary customer is mandatory.
If a non-financial institution BIC is specified, it must be meaningful for the financial institution that services the account for the beneficiary customer.
If the account number of the beneficiary customer is known, it must be stated in Account.
In option F:
- line numbers may be repeated
- if number 2 is present, the first occurrence of number 3 must include the town in the additional details
Example
No letter option
:59:/BE62510007547061
JOHANN WILLEMS
RUE JOSEPH II, 19
1040 BRUSSELS
Option F – Example 1
:59F:/BE30001216371411
1/MARK PHILIPS
2/HOOGSTRAAT 6, APT 6C
3/BE/BRUSSELS
Option F – Example 2
:59F:/12345678
1/DEPT OF PROMOTION OF SPICY FISH
1/CENTER FOR INTERNATIONALISATION
1/OF COMMERCE AND BUSINESS
3/CN
Option F – Example 3
:59F:1/JOHN SIMONS
2/3658 WITMER ROAD
3/US/POUGHKEEPSIE, NEW YORK 12602
3/DUTCHESS
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