SWIFT MT103 Field 72 — Sender to Receiver Information
Last reviewed: · Curated by Ohmyfin Organisation editorial.
Field 72 is the Sender to Receiver Information — bank-to-bank operational instructions that are not shown to the customer. Up to 6 lines × 35 characters.
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.
Details
Lines often begin with structured codes like /ACC/ (account-with), /INS/ (instructing party), /INT/ (intermediary instruction), /BNF/ (additional beneficiary information).
Quick facts
SWIFT field specification
Example value
:72:/ACC/INV-2025-12345
Valid characters / format
6 lines x 35 chars structured codes
Required on MT103
Optional
Required on MT202
Optional
Required on pacs.008
Optional
Notes
Sender-to-receiver information (free-format codes).
Key facts
Optional MT103 field
Up to 6 lines × 35 characters
Bank-to-bank only — not shown to customers
Structured codes: /ACC/, /INS/, /INT/, /BNF/
Frequently asked questions
Can I use field 72 for invoice notes?
No — that goes in field 70. Field 72 is for inter-bank operational instructions only.
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