SWIFT Message Types — MT103, MT202, pacs.008, pacs.009 | Ohmyfin

Last reviewed: 2026-04-01 · Curated by Ohmyfin Organisation editorial.

Cross-border payments rely on a small set of message types. These guides explain when each one is used, how they differ, and how to track them on Ohmyfin.

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1UETR (Unique End-to-End Transaction Reference) What is a UETR?

36-character UUID from your MT103 field 121 or pacs.008 <UETR> tag. Where to find it →

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A–Z index — 7 entries

camt.053 — Bank-to-Customer Statement camt.053 is the ISO 20022 end-of-day statement message banks send to corporate customers. camt.054 — Bank-to-Customer Debit/Credit Notification camt.054 is the ISO 20022 real-time debit/credit notification banks send to corporate customers. MT103 — SWIFT Customer Credit Transfer Complete guide to MT103: format, fields, GPI tracking, fraud verification. Track any MT103 free on Ohmyfin — we never charge individuals, anywhere in the world. MT199 — SWIFT Free-Format Customer Message MT199 is the SWIFT free-format message used for inquiries, status updates, advices and ad-hoc text related to customer credit transfers. MT202 — SWIFT Bank-to-Bank Transfer Complete guide to MT202: bank-to-bank funds transfer, often used as cover for an MT103 customer payment. pacs.008 — ISO 20022 Customer Credit Transfer pacs.008 is the ISO 20022 XML message replacing the SWIFT MT103. Full guide to message structure, key elements, CBPR+ migration and tracking on Ohmyfin. pacs.009 — ISO 20022 FI-to-FI Credit Transfer pacs.009 is the ISO 20022 message replacing SWIFT MT202 for bank-to-bank cover payments.

Frequently asked questions

What is an MT103?

MT103 is the SWIFT message type used for single customer credit transfers — the standard format for international wire transfers between banks. It carries the sender and beneficiary details, amount, value date, and UETR tracking reference.

What is the difference between MT103 and pacs.008?

MT103 is the legacy SWIFT FIN message format; pacs.008 (FI to FI Customer Credit Transfer) is the modern ISO 20022 XML equivalent. Both carry the same payment data but pacs.008 supports richer structured data and is mandatory under SWIFT's ISO 20022 migration from November 2025.

What is an MT202?

MT202 is the SWIFT message type for financial institution (bank-to-bank) cover payments. It is used alongside MT103 when a correspondent bank needs to move funds between its own accounts to cover a customer payment routed through it.

What is a camt.053 message?

camt.053 (Bank to Customer Statement) is the ISO 20022 XML message that replaces the legacy MT940 bank statement format. It provides end-of-day account statements with structured transaction details including IBAN, BIC, and reference numbers.

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SWIFT, SWIFTNet, SWIFT GPI, SWIFT Go, UETR, BIC, MT, MX, FIN, pacs.008, pacs.009, camt, ISO 20022 and related message-type identifiers, codes and logos are trademarks, service marks or registered marks of Society for Worldwide Interbank Financial Telecommunication SCRL (S.W.I.F.T. SC), with registered office at Avenue Adèle 1, 1310 La Hulpe, Belgium, and/or ISO 20022 Registration Authority. IBAN is published under ISO 13616. Visa, Mastercard, SEPA, Fedwire, FedNow, CHAPS, TARGET2, RTGS and all bank names, brand names, BIC codes and logos referenced on this site are the property of their respective owners and are used purely for descriptive and reference purposes under nominative fair use.

Ohmyfin Organisation is an independent payment-status search and reference service. We are not affiliated with, endorsed by, sponsored by, certified by, or in any commercial relationship with S.W.I.F.T. SC, the ISO 20022 Registration Authority, the European Central Bank, the U.S. Federal Reserve, any central bank, any commercial or correspondent bank, any clearing house, or any payment-system operator. References to SWIFT message types, status codes, GPI tracking, ISO 20022 messages or any third-party product or trademark are made solely to describe the publicly documented payments ecosystem within which our independent search service operates.

We are not a bank, money-services business, payment institution, electronic-money issuer or settlement agent. We do not hold, transfer, send, receive, custody or settle funds. We do not initiate, modify, cancel, recall or release SWIFT or ISO 20022 payment messages. Information returned by our tools is provided on an “as-is” basis for informational and convenience purposes only and does not constitute financial, legal, regulatory or compliance advice. For binding confirmation, settlement status, value-date confirmation, refunds, recalls, investigations or any official record of a payment, customers must always contact their bank or licensed payment service provider directly.

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