Last reviewed: · Curated by Ohmyfin Organisation editorial.
MT202 is the SWIFT message type for general bank-to-bank funds transfer. Customers do not see MT202s on their statements — only their banks do — but every MT103 customer credit usually has an MT202 cover behind it.
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Fraud Awareness Notice
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
MT202COV is a critical variant: it carries the underlying customer details (originator and beneficiary) so that intermediary banks can perform sanctions and AML screening on the cover payment, not just the customer leg. Most regulators now mandate MT202COV (not plain MT202) for cover payments.
Key facts
Bank-to-bank funds transfer
Often the cover for an MT103
MT202COV variant carries underlying customer data
ISO 20022 equivalent: pacs.009
Frequently asked questions
Will I ever see an MT202 as a customer?
No. MT202 is bank-to-bank only. Your statement will reference the MT103 customer transfer.
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