Last reviewed: · Curated by Ohmyfin Organisation editorial.
An MT103 is divided into five blocks. Block 1 = basic header (sender's BIC). Block 2 = application header (receiver's BIC, message direction). Block 3 = user header (contains field 121 = UETR). Block 4 = text block (the actual payment fields: 20, 23B, 32A, 50, 52, 56, 57, 59, 70, 71A). Block 5 = trailer (MAC, CHK). The most important tracking fields are 121 (UETR), 32A (value date + currency + amount), 50 (sender), and 59 (beneficiary).
Block 3 — User header. Contains {121:UETR} — the 36-character Unique End-to-end Transaction Reference. This is the key tracking field. Example: {3:{121:12345678-1234-4abc-9def-1234567890ab}}.
Block 4 — Text (main payment content): Field 20 = Sender's Reference (TRN, up to 16 chars). Field 23B = Bank Operation Code (usually CRED for credit). Field 32A = Value Date + Currency + Amount (format: YYMMDDCCCAMOUNT, e.g. 260619USD10000.00). Field 50K = Ordering Customer (sender name and address). Field 52A = Ordering Institution (sender's bank BIC). Field 56A = Intermediary Institution (correspondent bank BIC, optional). Field 57A = Account With Institution (beneficiary's bank BIC). Field 59 = Beneficiary Customer (IBAN + name). Field 70 = Remittance Information (payment reference / invoice). Field 71A = Charge Bearer (OUR / SHA / BEN).
Reading a real MT103: start with field 32A (what currency, amount, value date), then 59 (who is the beneficiary and what IBAN), then 50K (who is the sender), then 70 (what is the payment for), then field 121 in block 3 (UETR for tracking). This covers 95% of what you need.
Download the SWIFT MT103 PDF from your bank and cross-check with the Ohmyfin UETR tracker — the live status will confirm the payment is real and show its current location.
An MT103 is divided into five blocks. Block 1 = basic header (sender's BIC). Block 2 = application header (receiver's BIC, message direction). Block 3 = user header (contains field 121 = UETR). Block 4 = text block (the actual payment fields: 20, 23B, 32A, 50, 52, 56, 57, 59, 70, 71A). Block 5 = trailer (MAC, CHK). The most important tracking fields are 121 (UETR), 32A (value date + currency + amount), 50 (sender), and 59 (beneficiary).
OUR means the sender pays all correspondent and beneficiary-bank charges. The beneficiary receives the full amount stated in field 32A. SHA means sender pays the sender's bank fee, beneficiary pays the receiving fee. BEN means the beneficiary pays all charges.
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