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MT195 is the formal SWIFT message type used by banks to send investigations and queries about customer payments. Carries a structured query along with references to the original MT103.
Details
MT195 is the formal SWIFT message type used by banks to send investigations and queries about customer payments. Carries a structured query along with references to the original MT103.
Who uses it: Banks investigating customer payment issues for their customers.
When it is sent: When a customer asks "where is my money" and the bank needs to formally query the next bank in the chain.
If you have received an MT103 or pacs.008 confirming a payment connected to a MT195 flow, you do not need bank login or SWIFT credentials to verify it. Paste the UETR (32-character UUID with 4 dashes) into the Ohmyfin tracker and you will see the latest available SWIFT payment status — accepted, rejected, pending, or credited — in seconds.
Key facts
Message type: MT195
Used by: Banks investigating customer payment issues for their customers.
Trigger: When a customer asks "where is my money" and the bank needs to formally query the next bank in the chain.
Standard: SWIFT MT (gradually being replaced by ISO 20022 equivalents)
Trackable on Ohmyfin: yes — via the related payment UETR
Frequently asked questions
What is a MT195?
MT195 is the formal SWIFT message type used by banks to send investigations and queries about customer payments. Carries a structured query along with references to the original MT103.
Who uses MT195?
Banks investigating customer payment issues for their customers.
Will I see a MT195 as a customer?
Usually no — these are bank-to-bank messages. Your bank will give you the resulting status as a plain-English update.
Related — more from swift mt message reference and beyond
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