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

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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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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 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.
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