Category 1: Customer payments and cheques
MT112 Status of a Request for Stop Payment of a Cheque
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The MT112 is the drawee bank’s answer about a cheque stop: it tells the drawer bank whether the stop was recorded, until when it is valid, or why it cannot be placed. It usually replies to an MT111, quoting the cheque number, date and amount, with the answer in field 76.
When MT112 is used
After a drawer bank asks it to stop a cheque (normally with an MT111), the drawee bank sends an MT112 to report what it has done. It may also send one when the stop request reached it by other means.
The MT112 has no field that quotes the MT111’s reference. It identifies the cheque instead: field 21 carries the cheque number and fields 30, 32a and 59 repeat the cheque details, with 32a identical to the MT111. The drawer bank matches the answer to its request by cheque number.
Field 76 gives the answer, in narrative or with numbered answers that mirror the numbered queries of the MT111: /13/ stop recorded, /14/ stop valid until a date, /12/ stop not acceptable with a reason, /10/ authorisation to debit, /11/ cover refunded, /2/ transaction effected on a date.
MT112 format: sequences and fields
Message text (block 4)Mandatory
No sequences. The message has no network validated rules.
| Tag | Name | Status | Format | Meaning |
|---|---|---|---|---|
| 20 | Transaction Reference Number | M | 16x | The drawee bank’s own reference for this status message. No leading or trailing slash and no double slash (T26). |
| 21 | Cheque Number | M | 16x | The number of the cheque the answer is about, as given in the MT111. |
| 30 | Date of Issue | M | 6!n | The date (YYMMDD) on which the cheque was drawn. |
| 32a | AmountOptions A or B | M | A: 6!n3!a15d B: 3!a15d | Currency and amount of the cheque. When answering an MT111, it must be the same as field 32a of the MT111. Otherwise option A (with value date) is used when the drawer bank had credited the drawee bank with the amount, and option B in all other cases. |
| 52a | Drawer BankOptions A, B or D | O | A: [/1!a][/34x] 4!a2!a2!c[3!c] B: [/1!a][/34x] [35x] D: [/1!a][/34x] 4*35x | The drawer bank, when it is a branch of the Receiver or a bank other than the Receiver. |
| 59 | Payee | O | [/34x] 4*35x | The payee named on the cheque. The account part must not be used. |
| 76 | Answers | M | 6*35x | Whether the stop was placed, plus any answer to a reimbursement request. Numbered answers: /2/ transaction effected and advised on a date (answers queries 3 and 20), /10/ we authorise you to debit our account (answers 18), /11/ cover refunded to an account or place (answers 19), /12/ stop instructions not acceptable, with the reason, /13/ stop instructions duly recorded (answers 21), /14/ stop instructions valid until a date. One answer per line. |
Format notation: n digits, a upper-case letters, c upper-case letters and digits, x any character of the Swift character set, d a decimal number with a comma, ! fixed length, [ ] optional, 4*35x up to 4 lines of 35 characters. M mandatory, O optional, C conditional (a rule decides).
Rules worth knowing
- There are no network validated rules for the MT112.
- When it answers an MT111, field 32a must be identical to field 32a of the MT111.
- In field 76, each answer goes on its own line. Required details, such as the date after /14/, come first after the answer number; a second piece of information is preceded by a slash.
MT112 example
BANKUS33XXX, the drawee bank, confirms to ZagTrader Test Bank in Dubai (ZAGTAEADXXX) that it has recorded the stop on cheque 004417 requested by MT111, and that the stop stays valid until 20 April 2027.
{1:F01BANKUS33AXXX0000000000}{2:I112ZAGTAEADXXXXN}{4:
:20:DDSTOP0457
:21:004417
:30:261020
:32B:USD15000,00
:59:SILVERLINE MACHINERY INC
200 LAKE STREET
CHICAGO IL 60601
:76:/13/
/14/270420
-}Decode this example in the parserLine by line
| Line | What it says |
|---|---|
| {1:F01BANKUS33AXXX0000000000}{2:I112ZAGTAEADXXXXN}{4: | From the drawee bank back to the drawer bank. |
| :20:DDSTOP0457 | The drawee bank’s own reference. |
| :21:004417 | The cheque number: this is how the answer is linked to the MT111. |
| :30:261020 | Date of issue. |
| :32B:USD15000,00 | Identical to 32a in the MT111. |
| :59:SILVERLINE MACHINERY INC | |
| 200 LAKE STREET | |
| CHICAGO IL 60601 | |
| :76:/13/ | Answer 13: stop instructions duly recorded. |
| /14/270420 | Answer 14: the stop is valid until 20 April 2027 (YYMMDD). |
| -} | End of block 4. |
BICs, names, references and the cheque number are made up.
Common errors and rejects
Answer cannot be matched to the request
The MT112 has no related reference field. If field 21 does not carry exactly the cheque number used in the MT111, or 32a differs, the drawer bank’s system cannot match it. Copy both from the MT111.
Stop expires unnoticed
An answer /14/ gives the date until which the stop is valid. If the cheque is still outstanding near that date, the drawer bank has to renew the stop; the MT112 does not remind anyone.
Reimbursement request left unanswered
If the MT111 asked for something (for example /18/, authorisation to debit, or /19/, refund of cover), field 76 should answer it too, with /10/ or /11/. Answering only the stop leaves the drawer bank to chase the rest.
Account given in the payee field
Field 59 identifies the payee by name and address; the account part must not be used.
MT112 in ISO 20022
The ISO 20022 equivalent is camt.109 Cheque Cancellation or Stop Report, which the drawee agent sends to the drawer agent about a stop request made with camt.108. The J.P. Morgan ISO 20022 messaging adoption schedule names the MT112 as its MT equivalent.
Cheque messages were not part of the 22 November 2025 migration of payment instructions: BNY’s May 2025 notice says MT110, MT111 and MT112 continue to be supported until Swift defines a date.
MT112 questions
- What is an MT112?
- The drawee bank’s status report on a request to stop payment of a cheque: it says whether the stop was recorded, how long it is valid, or why it is not acceptable.
- What do /13/ and /14/ mean in field 76?
- /13/ means the stop instructions have been duly recorded. /14/ followed by a date (YYMMDD) gives the date until which the stop instructions are valid.
- How is an MT112 linked to the MT111?
- By the cheque, not by a reference: field 21 is the cheque number and field 32a must equal the MT111’s 32a. There is no field quoting the MT111’s field 20.
- What is the difference between MT112 and MT196?
- The MT112 answers a cheque stop request only. The MT196 is the general answer message in category 1, used for MT192 cancellation requests and MT195 queries.
- What is the ISO 20022 equivalent of the MT112?
camt.109Cheque Cancellation or Stop Report.
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