Standard SWIFT ISO15022
Vue de détail du message MT103.REMIT - Virement à un client
Description du message MT103.REMIT 
The MT 103 REMIT requires registration in the Extended Remittance Information message user group. This message user group allows its subscribers to exchange MT 103 REMIT messages with an extended amount of remittance information in field 77T. This remittance information may optionally be exchanged in a non-SWIFT format, such as EDIFACT or ANSI-X12.
The differences with the core MT 103 are:
- MT 103 REMIT requires registration in the Extended Remittance Information message user group.
- The user header (block 3 of the message) must contain the code REMIT in field 119 ({3:{119:REMIT}}).
- MT 103 REMIT has no field 70 Remittance Information.
- MT 103 REMIT has a field 77T Envelope Contents for extended remittance information.
Utilisation du message MT103.REMIT
Instructs a funds transfer
Scope du message MT103.REMIT
This message type is sent by or on behalf of the financial institution of the ordering customer, directly or through (a) correspondent(s), to the financial institution of the beneficiary customer.
It is used to convey a funds transfer instruction in which the ordering customer or the beneficiary customer, or both, are non-financial institutions from the perspective of the Sender.
This message may only be used for clean payment instructions. It must not be used to advise the remitting bank of a payment for a clean, for example, cheque, collection, nor to provide the cover for a transaction whose completion was advised separately, for example, via an MT 400.
Structure du message MT103.REMIT
Champs du message
1
20
Sender's Reference
M
Définition
This field specifies the reference assigned by the Sender to unambiguously identify the message.
Définition
This repetitive field specifies one or several time indication(s) related to the processing of the payment instruction.
Format
| Option C | /8c/4!n1!x4!n | (Code)(Time indication)(Sign)(Time offset) |
3
23B
Bank Operation Code
M
Définition
This field identifies the type of operation.
Définition
This field specifies an instruction.
Format
| Option E | 4!c[/30x] | (Instruction Code)(Additional Information) |
5
26T
Transaction Type Code
O
Définition
This field identifies the nature of, purpose of, and/or reason for the individual transaction, for example, salaries, pensions, dividends.
6
32A
Value Date/Currency/Interbank Settled Amount
M
Définition
This field specifies the value date, the currency and the settlement amount. The settlement amount is the amount to be booked/reconciled at interbank level.
Format
| Option A | 6!n3!a15d | (Date)(Currency)(Amount) |
7
33B
Currency/Instructed Amount
C
Définition
This field specifies the currency and amount of the instruction. This amount is provided for information purposes and has to be transported unchanged through the transaction chain.
Format
| Option B | 3!a15d | (Currency)(Amount) |
Définition
This field specifies the exchange rate used to convert the instructed amount specified in field 33B.
9
50a
A
Ordering Customer
M
Définition
This field specifies the customer ordering the transaction.
Format
| Option A | [/34x]
4!a2!a2!c[3!c] | (Account)
(Identifier Code) |
| Option F | 35x
4*35x | (Party Identifier)
(Name and Address) |
| Option K | [/34x]
4*35x | (Account)
(Name and Address) |
10
51A
Sending Institution
O
Définition
This field identifies the Sender of the message.
Format
| Option A | [/1!a][/34x]
4!a2!a2!c[3!c] | (Party Identifier)
(Identifier Code) |
11
52a
A
Ordering Institution
O
Définition
This field specifies the financial institution of the ordering customer, when different from the Sender, even if field 50a contains an IBAN.
Format
| Option A | [/1!a][/34x]
4!a2!a2!c[3!c] | (Party Identifier)
(Identifier Code) |
| Option D | [/1!a][/34x]
4*35x | (Party Identifier)
(Name and Address) |
12
53a
A
Sender's Correspondent
C
Définition
Where required, this field specifies the account or branch of the Sender or another financial institution through which the Sender will reimburse the Receiver.
Format
| Option A | [/1!a][/34x]
4!a2!a2!c[3!c] | (Party Identifier)
(Identifier Code) |
| Option B | [/1!a][/34x]
[35x] | (Party Identifier)
(Location) |
| Option D | [/1!a][/34x]
4*35x | (Party Identifier)
(Name and Address) |
13
54a
A
Receiver's Correspondent
C
Définition
This field specifies the branch of the Receiver or another financial institution at which the funds will be made available to the Receiver.
Format
| Option A | [/1!a][/34x]
4!a2!a2!c[3!c] | (Party Identifier)
(Identifier Code) |
| Option B | [/1!a][/34x]
[35x] | (Party Identifier)
(Location) |
| Option D | [/1!a][/34x]
4*35x | (Party Identifier)
(Name and Address) |
14
55a
A
Third Reimbursement Institution
C
Définition
This field specifies the Receiver's branch, when the funds are made available to this branch through a financial institution other than that indicated in field 53a.
Format
| Option A | [/1!a][/34x]
4!a2!a2!c[3!c] | (Party Identifier)
(Identifier Code) |
| Option B | [/1!a][/34x]
[35x] | (Party Identifier)
(Location) |
| Option D | [/1!a][/34x]
4*35x | (Party Identifier)
(Name and Address) |
15
56a
A
Intermediary Institution
C
Définition
This field specifies the financial institution through which the transaction must pass to reach the account with institution.
Format
| Option A | [/1!a][/34x]
4!a2!a2!c[3!c] | (Party Identifier)
(Identifier Code) |
| Option C | /34x | (Party Identifier) |
| Option D | [/1!a][/34x]
4*35x | (Party Identifier)
(Name and Address) |
16
57a
A
Account With Institution
C
Définition
This field specifies the financial institution which services the account for the beneficiary customer. This is applicable even if field 59a contains an IBAN.
Format
| Option A | [/1!a][/34x]
4!a2!a2!c[3!c] | (Party Identifier)
(Identifier Code) |
| Option B | [/1!a][/34x]
[35x] | (Party Identifier)
(Location) |
| Option C | /34x | (Party Identifier) |
| Option D | [/1!a][/34x]
4*35x | (Party Identifier)
(Name and Address) |
17
59a
Beneficiary Customer
M
Définition
This field specifies the customer which will be paid.
Format
| No letter option | [/34x]
4*35x | (Account)
(Name and Address) |
| Option A | [/34x]
4!a2!a2!c[3!c] | (Account)
(Identifier Code) |
| Option F | [/34x]
4*(1!n/33x) | (Account)
(Number)(Name and Address Details) |
18
71A
Details of Charges
M
Définition
This field specifies which party will bear the charges for the transaction.
19
71F
Sender's Charges
C
Définition
This repetitive field specifies the currency and amount of the transaction charges deducted by the Sender and by previous banks in the transaction chain.
Format
| Option F | 3!a15d | (Currency)(Amount) |
20
71G
Receiver's Charges
C
Définition
This field specifies the currency and amount of the transaction charges due to the Receiver.
Format
| Option G | 3!a15d | (Currency)(Amount) |
21
72
Sender to Receiver Information
O
Définition
This field specifies additional information for the Receiver or other party specified.
Format
| 6*35x | (Narrative Structured Format) |
22
77B
Regulatory Reporting
O
Définition
This field specifies the codes for the statutory and/or regulatory information required by the authorities in the country of Receiver or Sender.
23
77T
Envelope Contents
O
Définition
This field can contain extended remittance information in different formats. The content of the field is subject to bilateral agreements between the ordering customer and the Beneficiary.
