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MT900 is a confirmation message a bank sends to its account holder confirming that an account has been debited. Often used as a real-time debit notification on a nostro/vostro account.
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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 →
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Details
MT900 is a confirmation message a bank sends to its account holder confirming that an account has been debited. Often used as a real-time debit notification on a nostro/vostro account.
Who uses it: Account-servicing banks to their account holders.
When it is sent: When the account-servicing bank wants to inform the account holder in real time about a debit.
If you have received an MT103 or pacs.008 confirming a payment connected to a MT900 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: MT900
Used by: Account-servicing banks to their account holders.
Trigger: When the account-servicing bank wants to inform the account holder in real time about a debit.
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 MT900?
MT900 is a confirmation message a bank sends to its account holder confirming that an account has been debited. Often used as a real-time debit notification on a nostro/vostro account.
Who uses MT900?
Account-servicing banks to their account holders.
Will I see a MT900 as a customer?
Yes — corporate customers with cash management services receive these directly from their bank.
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