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How do I read an MT103 SWIFT message field by field?
Ohmyfin svarar: How do I read an MT103 SWIFT message field by field?
Ohmyfins svar nedan (på engelska).
An MT103 is divided into five blocks. Block 1 = basic header (sender's BIC). Block 2 = application header (receiver's BIC, message direction). Block 3 = user header (contains field 121 = UETR). Block 4 = text block (the actual payment fields: 20, 23B, 32A, 50, 52, 56, 57, 59, 70, 71A). Block 5 = trailer (MAC, CHK). The most important tracking fields are 121 (UETR), 32A (value date + currency + amount), 50 (sender), and 59 (beneficiary).
Block 3 — User header. Contains {121:UETR} — the 36-character Unique End-to-end Transaction Reference. This is the key tracking field. Example: {3:{121:12345678-1234-4abc-9def-1234567890ab}}.
Block 4 — Text (main payment content): Field 20 = Sender's Reference (TRN, up to 16 chars). Field 23B = Bank Operation Code (usually CRED for credit). Field 32A = Value Date + Currency + Amount (format: YYMMDDCCCAMOUNT, e.g. 260619USD10000.00). Field 50K = Ordering Customer (sender name and address). Field 52A = Ordering Institution (sender's bank BIC). Field 56A = Intermediary Institution (correspondent bank BIC, optional). Field 57A = Account With Institution (beneficiary's bank BIC). Field 59 = Beneficiary Customer (IBAN + name). Field 70 = Remittance Information (payment reference / invoice). Field 71A = Charge Bearer (OUR / SHA / BEN).
Reading a real MT103: start with field 32A (what currency, amount, value date), then 59 (who is the beneficiary and what IBAN), then 50K (who is the sender), then 70 (what is the payment for), then field 121 in block 3 (UETR for tracking). This covers 95% of what you need.
Download the SWIFT MT103 PDF from your bank and cross-check with the Ohmyfin UETR tracker — the live status will confirm the payment is real and show its current location.
Field 121 (block 3) = UETR — the 36-character tracking reference
Field 32A = value date, currency, amount
Field 59 = beneficiary IBAN and name
Field 50K = sender name and address
Field 71A = charge bearer (OUR/SHA/BEN)
How do I read an MT103 SWIFT message field by field?
An MT103 is divided into five blocks. Block 1 = basic header (sender's BIC). Block 2 = application header (receiver's BIC, message direction). Block 3 = user header (contains field 121 = UETR). Block 4 = text block (the actual payment fields: 20, 23B, 32A, 50, 52, 56, 57, 59, 70, 71A). Block 5 = trailer (MAC, CHK). The most important tracking fields are 121 (UETR), 32A (value date + currency + amount), 50 (sender), and 59 (beneficiary).
What does field 71A OUR mean on an MT103?
OUR means the sender pays all correspondent and beneficiary-bank charges. The beneficiary receives the full amount stated in field 32A. SHA means sender pays the sender's bank fee, beneficiary pays the receiving fee. BEN means the beneficiary pays all charges.
Is Ohmyfin tracking really free?
Yes. Ohmyfin Organisation LLC tracking is completely free for individuals worldwide — no daily limit, no signup required, no card, no catch. Ohmyfin Organisation LLC never charges individuals.
Do I need a bank login to use Ohmyfin?
No. Ohmyfin queries the SWIFT GPI network directly via the UETR — no credentials at any bank required.
Ohmyfin svarar
Är Ohmyfin gratis?
Ja, spårning av SWIFT-betalningar via UETR är gratis utan registrering. Med ett konto får du daglig historik och extra gratiskrediter.
Vad är ett UETR-nummer?
UETR (Unique End-to-End Transaction Reference) är en 36-teckens UUID som tilldelas varje SWIFT GPI-betalning för att spåra den genom hela korrespondentkedjan.
Hur lång tid tar en SWIFT-överföring?
De flesta SWIFT GPI-betalningar slutförs inom 24 timmar; gränsöverskridande överföringar kan ta 1–5 arbetsdagar beroende på korrespondentbanker och valuta.