Last reviewed: · Curated by Ohmyfin Organisation editorial.
MT199 is the free-format SWIFT message in the customer-credit-transfer category (n9x). It carries unstructured text used for inquiries, status updates and ad-hoc communication between banks about a customer payment.
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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
You will commonly see MT199 used to chase a delayed wire, request additional beneficiary information, or notify a return of funds.
Key facts
Free-format text message
Used for inquiries and ad-hoc communication
Customer-payment category (n9x)
Often used to chase delayed wires
Frequently asked questions
Does MT199 carry a UETR?
Yes — every SWIFT MT message since 2018 carries a UETR in field 121, including MT199.
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