Swift MT Messages

Asks the account servicing bank to debit an account and make one or more payments from it.

Several customer payments in one message; withdrawn from FIN on 22 November 2025.

STP variant of the MT102 bulk transfer; withdrawn from FIN on 22 November 2025.

Customer credit transfer: pays a beneficiary customer on behalf of an ordering customer.

MT103 with extended remittance data in field 77T; withdrawn from FIN on 22 November 2025.

A restricted MT103 that Swift validates for straight-through processing, flagged with {119:STP}.

Collects customer direct debits: asks a bank to debit debtors’ accounts in favour of a creditor.

Carries an EDIFACT message between two banks inside field 77F.

Creditor’s bank orders the debtor’s bank to debit one or more debtors and collect the funds.

Advises the drawee bank of cheques drawn on it: number, date, amount and payee.

Asks the drawee bank to stop payment of one cheque; answered by MT112.

The drawee bank’s answer to a cheque stop payment request.

Advises charges, interest or other adjustments booked to an account (customer payments).

Claims charges, interest or other expenses related to an earlier customer payment.

Asks the Receiver of an earlier payment to cancel it; answered by MT196.

Asks a question about an earlier customer payment or category 1 message; answered by MT196.

Answers an MT192 cancellation request or an MT195 query about a customer payment.

Envelope for bilaterally agreed content (customer payments).

Free text between banks about customer payments: queries, rejects, information requests.

A bank moves its own funds from one of its correspondent accounts to its own account at another bank.

Multiple MT200: a bank moves its own funds to several of its accounts; withdrawn in 2025.

Bank-to-bank transfer for the banks themselves: FX settlement, money market, nostro funding.

Cover leg of a customer payment: bank-to-bank funding plus the underlying customer details.

Multiple MT202: two to ten bank-to-bank transfers in one message; withdrawn in 2025.

Exchange or clearing house asks a bank to debit third parties’ accounts in its favour.

Passes an incoming bank-to-bank transfer on to the next bank in the same country.

Passes a cover payment on within one country, with the underlying customer details.

Request to debit a financial institution’s account and transfer the funds; no longer in the standard.

Account owner tells its account servicer that funds will arrive for its account.

Advised the sender of cheque truncation messages that cheques were unpaid; no longer in the standard.

Advises charges, interest or other adjustments booked to an account (bank-to-bank transfers).

Asks another institution to pay charges, interest or expenses (bank-to-bank transfers).

Asks the receiver to cancel an earlier bank-to-bank transfers message.

Asks a question about an earlier bank-to-bank transfers message.

Answers a query or cancellation request about a bank-to-bank transfers message.

Envelope for bilaterally agreed content (bank-to-bank transfers).

Free text between banks about interbank transfers (category 2).

Bilateral confirmation of a spot, forward, swap leg or NDF foreign exchange deal.

Retired 2017: instruction to allocate a block FX or currency option trade.

Fund manager advises its custodian of an FX deal done with a third party and instructs settlement.

Confirms a vanilla FX option (deliverable or cash-settled), its amendments and close-out.

Confirms the details of a foreign currency option, including barrier, digital and trigger options.

Retired 2017: fund manager’s advice to its custodian to settle a third party FX deal.

Confirms a fixed-term loan or deposit, its rollovers and its maturity.

Fund manager instructs its custodian to settle a fixed term loan/deposit done with a third party.

Confirms a call or notice loan/deposit and later changes to its balance, rate or notice period.

Confirms the terms of a forward rate agreement (FRA).

Confirms the settlement details of a forward rate agreement after the rate is fixed.

Borrower advises that interest on a loan/deposit has been paid to the lender’s account.

Confirms a single currency interest rate swap, cap, floor or collar.

Confirms a cross currency interest rate swap, including principal exchanges.

Advises a floating rate reset and/or the interest payment for a period of an interest rate derivative.

Confirms the full or partial termination, or recouponing, of a single currency interest rate derivative.

Confirms the full or partial termination, or recouponing, of a cross currency interest rate swap.

Advises the net position in one currency between two parties, with its settlement details.

Fund manager orders its custodian to buy or sell an amount of a currency.

Custodian confirms to the fund manager the execution of a foreign exchange order.

Advises charges, interest or other adjustments booked to an account (treasury).

Asks another institution to pay charges, interest or expenses (treasury).

Asks the receiver to cancel an earlier treasury message.

Asks a question about an earlier treasury message.

Answers a query or cancellation request about a treasury message.

Envelope for bilaterally agreed content (treasury).

Free-format correspondence about treasury.

Collecting bank’s advice to the remitting bank that a collection has been paid, with the proceeds remitted.

Collecting bank’s acknowledgement that it has received a collection, for up to ten items in one currency.

Collecting bank advises that the drawee has accepted one or more drafts under a collection.

Advises that the drawee did not pay or did not accept under a collection.

Remitting bank asks the collecting bank what happened to documents sent for collection.

Collecting bank reports the status of collection documents, with questions or answers.

Remitting bank amends the instructions of a collection already sent.

Account servicer confirms that the face amount of cash letters was credited under usual reserve.

Account servicer advises an adjustment to an earlier cash letter credit.

Account servicer advises that items in a cash letter were dishonoured and debited.

Advises charges, interest or other adjustments booked to an account (collections).

Asks another institution to pay charges, interest or expenses (collections).

Asks the receiver to cancel an earlier collections message.

Asks a question about an earlier collections message.

Answers a query or cancellation request about a collections message.

Envelope for bilaterally agreed content (collections).

Free-format correspondence about collections.

Asks the custodian to register, deregister or re-register securities with the registration provider.

Confirms that a registration, deregistration or change of registered client details is done.

Order to buy or sell securities, or to subscribe to or redeem fund units; also cancels and replaces.

Calls for new or additional collateral, or asks for collateral to be returned.

The collateral giver proposes new or additional collateral for an exposure.

Proposes or requests the swap of collateral already held for other collateral.

Reports the valuation of collateral, exposure or both between giver and taker.

Accepts, rejects or reports the status of a collateral claim, proposal or substitution.

Confirms that securities moved between sub-balances (statuses) of one holding.

Status of an order, cancellation, replacement or trade confirmation, with reason codes.

Reports the status of a registration instruction, the registration process or a cancellation request.

Broker to client advice that an order was executed, with fills and the quantity still open.

Client to broker instruction allocating part of a block trade to one account, one allocation per message.

Broker to client trade confirmation (contract note): price, quantity, amounts and settlement details.

Confirms a new securities loan, a partial recall or return, or a close-out.

Client to broker affirmation of a trade confirmation (MT515): agrees the trade details.

Broker to counterparty (market-side) trade confirmation, for comparison or to allege a trade.

Asks for registered client details to be changed at the registration provider.

Instructs a move of securities between sub-balances of the same holding.

Lists lendable securities, requests a borrow, notifies returns or asks to hold securities.

Instruction to a triparty agent to open, change or close a collateralised exposure (repo, loan, margin).

Changes a processing attribute of a settlement instruction, such as hold, release or priority.

Custody or accounting statement of the securities held on a safekeeping account at a point in time.

Statement of the securities movements booked on an account during a period, grouped by instrument.

Statement of the open (unsettled) instructions on an account, with their statuses and pending reasons.

Statement of all movements between sub-balances in an account over a period.

Receive free of payment (FOP): receive securities without paying cash, for transfers and collateral.

Receive against payment (RVP): receive securities and pay cash, typically for a purchase.

Deliver free of payment (FOP): deliver securities without receiving cash, for transfers and collateral.

Deliver against payment (DVP): deliver securities and receive cash, typically for a sale.

Confirms that securities were received free of payment: quantity, effective settlement date and account.

Confirms that securities were received against payment: quantity, effective settlement date and cash debited.

Confirms that securities were delivered free of payment: quantity, effective settlement date and account.

Confirms that securities were delivered against payment: quantity, effective settlement date and cash credited.

Status of a settlement instruction: accepted, rejected, matched, unmatched, pending or failing, with reason codes.

Asks the custodian for a statement (MT535, MT536, MT537...) or a status message (MT548...).

The triparty agent reports the status and valuation of a collateral instruction.

Corporate action announcement: event details, dates, options, eligible balance and entitlement.

Election on a corporate action: chosen option, quantity and account, sent in reply to an MT564.

Confirmation of the cash and securities actually posted for a corporate action.

Status of a corporate action instruction, a cancellation request or the event itself, with reason codes.

Free-text information about a corporate action, linked to the event by its CORP reference.

The triparty agent’s statement of exposures and the collateral allocated against them.

Combined cash and securities activity for a period, per cash account and currency, with balances.

A broker’s list of a client’s orders not yet agreed or fully executed.

Counterparty has instructed against your account and your matching instruction is missing.

Claims or notifies a change in collateral after the value of securities on loan moves.

List of open settlement allegements on a securities account, complete or changes only.

Advises charges, interest or other adjustments booked to an account (securities).

Asks another institution to pay charges, interest or expenses (securities).

Asks the receiver to cancel an earlier securities message.

Asks a question about an earlier securities message.

Answers a query or cancellation request about a securities message.

Envelope for bilaterally agreed content (securities).

Free text about securities matters, for queries and notices that no structured message covers.

Confirms the terms and settlement of a spot or forward commodity trade, typically in precious metals.

Confirms the terms of an option on a commodity, such as a gold call or put.

Instruction to the commodity account servicer to transfer or deliver a quantity of a commodity.

Notice to the commodity account servicer that a transfer or delivery of a commodity is on its way.

Advice from the account servicer that a commodity account has been debited.

Advice from the account servicer that a commodity account has been credited.

Statement of all bookings on a commodity account, with balances in commodity units.

Retired 2017. Listed the outstanding commodity contracts between two parties at a date.

Confirms a fixed term loan or deposit of a commodity, for example a gold deposit.

Retired 2017. Syndicated loan notice of a borrower’s drawdown or renewal.

Retired 2017. Syndicated loan advice of the interest rate for the next period.

Retired 2017. Syndicated loan advice of principal or interest payments.

Retired 2017. Free format message about a syndicated loan facility.

A bank’s request to Swift to distribute its standing settlement instructions as an MT671.

Notice from Swift carrying another institution’s standing settlement instructions.

Advises charges, interest or other adjustments booked to an account (commodities).

Asks another institution to pay charges, interest or expenses (commodities).

Asks the receiver to cancel an earlier commodities message.

Asks a question about an earlier commodities message.

Answers a query or cancellation request about a commodities message.

Envelope for bilaterally agreed content (commodities).

Free-format correspondence about commodities.

Issues a documentary credit (letter of credit) from the issuing bank to the advising bank.

Continuation of an MT700 when the documentary credit is too long for one message.

Brief advance notice of a documentary credit whose full terms follow in an MT700.

Amends a documentary credit (letter of credit): amount, dates, shipment, documents, conditions or cancellation.

Continuation of an MT707 when the amendment text is too long for one message.

Passes a documentary credit issued by another bank (or a non-bank) on to a second advising bank.

Continuation of an MT710 when the advised credit is too long for one message.

Transfers a transferable documentary credit, in whole or in part, to a second beneficiary.

Continuation of an MT720 when the transferred credit is too long for one message.

Acknowledges a documentary credit message, claims charges or reports acceptance of an amendment.

Tells the presenting bank that discrepant documents have been taken up.

Refuses documents that do not comply with the credit and says how they are held.

Authorises a reimbursing bank to honour claims under a documentary credit.

Claims reimbursement under a documentary credit from the reimbursing bank.

Tells the claiming bank that its reimbursement claim does not conform and will not be paid as sent.

Amends the terms of an MT740 authorisation to reimburse.

Reports discrepant documents under a letter of credit and asks the issuing bank for authorisation to pay.

Issuing bank’s authorisation to pay, accept or negotiate documents despite discrepancies.

Advises the issuing bank that complying documents were paid, accepted or negotiated.

Advises that a drawing under a letter of credit has been reimbursed or paid.

Structured message for trade information with no specific message type, preferred over the MT799.

Issues, advises or requests a demand guarantee or standby letter of credit (structured since November 2021).

Continuation of an MT760 when the guarantee or standby terms are too long for one message.

Demands payment under a guarantee or standby, optionally asking to extend instead.

Amends, or requests cancellation of, a guarantee or standby letter of credit issued with an MT760.

Acknowledges a guarantee or standby message and can claim charges.

Advises that liability under a guarantee or standby is reduced or released.

Continuation of an MT767 when the guarantee amendment is too long for one message.

Notifies that a guarantee or standby will not be extended beyond its current expiry.

Refuses a demand for payment under a guarantee or standby and gives the reasons.

Reports the beneficiary’s acceptance or rejection of a guarantee or standby amendment.

Advises charges, interest or other adjustments booked to an account (trade finance).

Asks another institution to pay charges, interest or expenses (trade finance).

Asks the receiver to cancel an earlier trade finance message.

Asks a question about an earlier trade finance message.

Answers a query or cancellation request about a trade finance message.

Proprietary envelope used for corporate-to-bank trade finance messages on Swift.

Free text between banks about trade finance business (category 7).

Retired. Sale and settlement details of travellers cheques from a single selling agent.

Details of travellers cheques sold, for one or more selling agents, without the settlement details.

Settlement details for multiple travellers cheque sales already reported in MT801 messages.

Retired. Request for a refund of travellers cheques.

Retired. Authorization of a travellers cheque refund.

Retired. Confirmation that a travellers cheque refund was made.

Retired. Request for a supply of travellers cheque stock.

Retired. Advice of an addition to travellers cheque inventory.

Retired. Acknowledgement of a trust receipt for travellers cheque stock.

Retired. Advice of a transfer of travellers cheque inventory.

Retired. Notice of destruction or cancellation of travellers cheque stock.

Advises charges, interest or other adjustments booked to an account (travellers cheques).

Asks another institution to pay charges, interest or expenses (travellers cheques).

Asks the receiver to cancel an earlier travellers cheques message.

Asks a question about an earlier travellers cheques message.

Answers a query or cancellation request about a travellers cheques message.

Envelope for bilaterally agreed content (travellers cheques).

Free-format correspondence about travellers cheques.

Account servicer confirms to the account owner that its account has been debited.

Account servicer confirms to the account owner that its account has been credited.

Account owner asks the account servicer for an MT940, MT941, MT942 or MT950 now.

A bank advises new interest rates, either general rates or rates on specific accounts.

End-of-day account statement: opening balance, every booked entry, closing balance.

Account servicer reports balances (no entries) at the time given in field 13D.

Intraday report of entries since the last statement or report, above a floor limit.

Bank-to-bank account statement used for nostro reconciliation.

A netting system sends a subscriber every transaction recorded against it.

A netting system reports the current netting balances of one or more institutions.

A netting system reports transactions recorded so far, between scheduled statements.

A bank asks a netting system for an MT971, MT972 or MT998.

One bank asks another for general credit information about a party (answered by MT986).

One bank gives another general credit information about a party, without responsibility.

Advises charges, interest or other adjustments booked to an account (cash management).

Asks another institution to pay charges, interest or expenses (cash management).

Asks the receiver to cancel an earlier cash management message.

Asks a question about an earlier cash management message.

Answers a query or cancellation request about a cash management message.

Envelope for bilaterally agreed content (cash management).

Free text about accounts, statements and cash management (category 9).

Asks the Receiver of an earlier message to cancel it; same layout in every category.

Asks about an earlier message or transaction; same layout in every category, answered by MT n96.

Answers an MT n95 query or MT n92 cancellation request; same layout in every category.

Free text for anything with no other message type; the category digit routes it.