SWIFT MT103 Field Reference — Every Field Explained | Ohmyfin

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Decode every field on a SWIFT MT103 or MT202 message. Each page explains the field's purpose, format, examples and how it connects to SWIFT GPI tracking on Ohmyfin.

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SWIFT MT103 message diagram showing fields 20, 32A, 50K, 59, 70 and 121 (UETR)
How an MT103 maps to the UETR (field 121), sender reference (field 20), value-date/currency/amount (field 32A) and beneficiary details. Source: SWIFT MT103 specification.

A–Z index — 20 entries

SWIFT MT103 Field 111 — Service Type Identifier Field 111 inside block 3 of an MT103 declares the SWIFT GPI service type for the payment. Three-digit code in {111:001} format. SWIFT MT103 Field 121 — UETR Field 121 inside block 3 of an MT103 carries the UETR — the 36-character end-to-end tracking reference for SWIFT GPI. SWIFT MT103 Field 20 — Sender's Reference Field 20 on a SWIFT MT103 is the Sender's Reference, up to 16 characters. Format rules, examples, and how to track it on Ohmyfin. SWIFT MT103 Field 21 — Related Reference Field 21 on a SWIFT MT103 carries the related reference — typically the original payment that this message amends or relates to. SWIFT MT103 Field 23B — Bank Operation Code Field 23B on a SWIFT MT103 specifies how the payment should be executed. CRED, CRTS, SPAY, SPRI or SSTD. SWIFT MT103 Field 32A — Value Date / Currency / Amount Field 32A on a SWIFT MT103 packs the value date, currency code and amount into one field. Format YYMMDD + 3-letter currency + amount. SWIFT MT103 Field 33B — Currency / Original Amount Field 33B on a SWIFT MT103 carries the original ordered currency and amount before any FX conversion. SWIFT MT103 Field 50A — Ordering Customer (BIC) Field 50A identifies the ordering customer using their BIC, used when the originator is itself a financial institution. SWIFT MT103 Field 50F — Ordering Customer (Structured) Field 50F is the structured ordering-customer format, ISO 20022-aligned, with explicit name, address, country and identifier. SWIFT MT103 Field 50K — Ordering Customer (Free Format) Field 50K is the free-format ordering-customer field with up to 4 lines of 35 characters for name and address. SWIFT MT103 Field 52A — Ordering Institution Field 52A identifies the bank instructing the payment when it differs from the sender of the SWIFT message. SWIFT MT103 Field 53A — Sender's Correspondent Field 53A identifies the correspondent bank where the sender holds an account, used to settle the funds side of the payment. SWIFT MT103 Field 54A — Receiver's Correspondent Field 54A identifies the correspondent bank where the receiver of the SWIFT message holds an account. SWIFT MT103 Field 56A — Intermediary Institution Field 56A identifies an intermediary bank in the SWIFT payment chain between the sender and the beneficiary bank. SWIFT MT103 Field 57A — Account With Institution Field 57A identifies the beneficiary's bank — the institution where the final beneficiary holds the receiving account. SWIFT MT103 Field 59 — Beneficiary Customer Field 59 carries the beneficiary's account number and name on a SWIFT MT103 — the actual recipient of the payment. SWIFT MT103 Field 70 — Remittance Information Field 70 carries the free-format remittance information on an MT103: invoice numbers, references and notes for the beneficiary. SWIFT MT103 Field 71A — Details of Charges Field 71A specifies who pays correspondent-bank charges on a SWIFT payment: OUR, SHA or BEN. SWIFT MT103 Field 71F — Sender's Charges Field 71F carries the charges the sender's bank deducted in the payment currency. Mandatory under SHA / BEN. SWIFT MT103 Field 72 — Sender to Receiver Information Field 72 carries instructions from the sending bank to the receiving bank that are not visible to the customer. Up to 6 lines × 35 characters.
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