Last reviewed: · Curated by Ohmyfin Organisation editorial.
MT199 is a free-format (unstructured text) message used for customer-payment-related queries that do not fit the structured MT103 / MT202 schemas — investigations, status requests, narrative explanations, manual confirmations.
Details
MT199 is a free-format (unstructured text) message used for customer-payment-related queries that do not fit the structured MT103 / MT202 schemas — investigations, status requests, narrative explanations, manual confirmations.
Who uses it: Banks communicating with each other about customer payments.
When it is sent: When a structured message type does not apply — typically investigations, exceptions and narrative confirmations.
If you have received an MT103 or pacs.008 confirming a payment connected to a MT199 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: MT199
Used by: Banks communicating with each other about customer payments.
Trigger: When a structured message type does not apply — typically investigations, exceptions and narrative confirmations.
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 MT199?
MT199 is a free-format (unstructured text) message used for customer-payment-related queries that do not fit the structured MT103 / MT202 schemas — investigations, status requests, narrative explanations, manual confirmations.
Who uses MT199?
Banks communicating with each other about customer payments.
Will I see a MT199 as a customer?
Usually no — these are bank-to-bank messages. Your bank will give you the resulting status as a plain-English update.
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