MT299 — Free-Format Bank-to-Bank Message
MT299 is the bank-to-bank free-format equivalent of MT199. Used for any unstructured bank-to-bank communication — investigations, confirmations, narrative messages.
Details
MT299 is the bank-to-bank free-format equivalent of MT199. Used for any unstructured bank-to-bank communication — investigations, confirmations, narrative messages.
Who uses it: Banks communicating with each other about non-customer payment matters.
When it is sent: When no structured MT message type fits the bank-to-bank communication.
If you have received an MT103 or pacs.008 confirming a payment connected to a MT299 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: MT299
- Used by: Banks communicating with each other about non-customer payment matters.
- Trigger: When no structured MT message type fits the bank-to-bank communication.
- 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 MT299?
MT299 is the bank-to-bank free-format equivalent of MT199. Used for any unstructured bank-to-bank communication — investigations, confirmations, narrative messages.
Who uses MT299?
Banks communicating with each other about non-customer payment matters.
Will I see a MT299 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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