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.
Payment Located
SWIFT GPI Network · Real-time status
Payment Not Found
No record found in SWIFT GPI or any correspondent banking data
Fraud Awareness Notice
If you received a payment document from a third party, verify directly with your own bank before releasing goods or funds. Fake MT103 / pacs.008 confirmations are widely used in advance-fee scams. See our fraud guide →
Monitor for 7 Days — Free
We re-check every few hours and notify you the instant this payment appears — no account, no spam.
Watching — we'll email you the moment it appears.
Not sure what to do next?
Ask SwiftMate, our SWIFT assistant, for guidance on payment delays, rejections, and next steps.
Payments can appear hours after initiation — try again later
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.
Related — more from swift mt message reference and beyond
Get 100 free credits — track unlimited SWIFT payments
No card needed. Free for ordinary users — completely free for individuals — no daily limit, no card required. Track any international wire across 11,000+ banks.