Last reviewed: · Curated by Ohmyfin Organisation editorial.
MT205 is used by a financial institution to instruct its correspondent to execute a funds transfer to another financial institution. Closely related to MT202; used in some specific clearing systems.
Details
MT205 is used by a financial institution to instruct its correspondent to execute a funds transfer to another financial institution. Closely related to MT202; used in some specific clearing systems.
Who uses it: Financial institutions executing transfers via correspondents.
When it is sent: Specific clearing flows where MT205 is preferred over MT202.
If you have received an MT103 or pacs.008 confirming a payment connected to a MT205 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: MT205
Used by: Financial institutions executing transfers via correspondents.
Trigger: Specific clearing flows where MT205 is preferred over MT202.
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 MT205?
MT205 is used by a financial institution to instruct its correspondent to execute a funds transfer to another financial institution. Closely related to MT202; used in some specific clearing systems.
Who uses MT205?
Financial institutions executing transfers via correspondents.
Will I see a MT205 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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