Standard SWIFT ISO15022
Vue de détail du message MT103.STP - Virement à un client
Description du message MT103.STP 
MT 103 STP Single Customer Credit Transfer
The MT 103 STP is a general use message, that is, no registration in a Message User Group is necessary to send and receive this message. It allows the exchange of single customer credit transfers using a restricted set of fields and format options of the core MT 103 to make it straight through processable. The MT 103 STP is a compatible subset of the core MT 103 that is documented separately.
The differences with the core MT 103 are:
- appropriate MT 103 STP format validation is triggered by the code STP in the validation flag field 119 ({3:{119: STP}}) of the user header of the message (block 3)
- fields 52, 54, 55, 56 and 57 may only be used with letter option A
- field 53 may only be used with letter options A and B
- field 51A is not used in MT 103 STP. This message may only be used on the FIN SWIFT network since it requires special validation
- field 23E may only contain codes CORT, INTC, SDVA and REPA
- if field 53a is used with option B, Party Identifier must be used
- subfield 1 (Account) of field 59a is always mandatory
- field 72, code INS must be followed by a valid financial institution BIC
- field 72, codes REJT/RETN must not be used
- field 72 must not include ERI information.
Important!
To trigger the MT 103 STP format validation, the user header of the message (block 3) is mandatory and must contain the code STP in the validation flag field 119 ({3:{119:STP}}).
Utilisation du message MT103.STP
Instructs a funds transfer
Scope du message MT103.STP
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.STP
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
52A
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) |
11
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) |
12
54A
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) |
13
55A
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) |
14
56A
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) |
15
57A
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) |
16
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) |
17
70
Remittance Information
O
Définition
This field specifies either the details of the individual transaction or a reference to another message containing the details which are to be transmitted to the beneficiary customer.
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.
