Category 9: Cash management and customer status
MT941 Balance Report
Written and maintained by ZagTrader. Last reviewed . How this page is sourced and checked
The MT941 is a balance report. The account servicing bank sends it to the account owner, or to a bank or party the owner has authorised, to give the balances of an account at the time stated in field 13D, without listing the individual entries. It is often sent on request through an MT920 or on an agreed schedule during the day.
What MT941 is used for
The report gives the book balance (62F, mandatory), and optionally the opening balance, the number and sum of debit and credit entries since then (90D and 90C), the closing available balance (64) and forward available balances (65). The currency must be the same in all balance fields.
For entry-level intraday information the MT942 is used instead; for end-of-day statements the MT940 or MT950. Banks receiving the report must not use the information for their own purposes.
- Sent by
- The account servicing institution, or a concentrating institution
- Sent to
- The account owner, or a party it has authorised
MT941 format: sequences and fields
Message text (block 4)Mandatory
No sequences.
| Tag | Name | Status | Format | Meaning |
|---|---|---|---|---|
| 20 | Transaction Reference Number | M | 16x | The sender’s reference for the report. |
| 21 | Related Reference | O | 16x | Field 20 of the MT920 that requested the report, when there was one. |
| 25a | Account IdentificationOptions no letter or P | M | No letter: 35x P: 35x 4!a2!a2!c[3!c] | The account reported. Option P adds the account owner’s BIC and is used only when the receiver is not the account owner. |
| 28 | Statement Number/Sequence Number | M | 5n[/2n] | Sequential report number, with an optional page number. |
| 13D | Date/Time Indication | O | 6!n4!n1!x4!n | Date and time the balances refer to, with the UTC offset. |
| 60F | Opening Balance | O | 1!a6!n3!a15d | Opening balance of the period: D or C, date, currency and amount. |
| 90D | Number and Sum of Entries | O | 5n3!a15d | Number and total of debit entries since the opening balance. |
| 90C | Number and Sum of Entries | O | 5n3!a15d | Number and total of credit entries since the opening balance. |
| 62F | Book Balance | M | 1!a6!n3!a15d | The booked balance at the reporting time. |
| 64 | Closing Available Balance (Available Funds) | O | 1!a6!n3!a15d | Funds available to the account owner. |
| 65 | Forward Available BalanceRepeatable | O | 1!a6!n3!a15d | Balance expected to be available on a future date; repeats for several dates. |
| 86 | Information to Account Owner | O | 6*65x | Additional information about the report for the account owner. |
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).
MT941 in ISO 20022
The equivalent is camt.052 (Bank to Customer Account Report), as listed in the J.P. Morgan ISO 20022 mapping guide and Swift’s CBPR+ roadmap. Reporting messages were not withdrawn in November 2025.
MT941 questions
- What is the difference between MT941 and MT942?
- The MT941 gives balances only. The MT942 lists the individual entries booked since the last report, above any floor limit, with their totals.
All MT messages · Category 9 messages · ISO 20022 messages · Codes · Troubleshooting