SWIFT ISO15022 Norm
Detailansicht für Nachricht MT102 - Kundenüberweisung als Sammelauftrag
Verwendung der Nachricht MT102 
Conveys multiple payment instructions between financial institutions
Anwendungsfeld der Nachricht MT102
This message is sent by or on behalf of the financial institution of the ordering customer(s) to another financial institution for payment to the beneficiary customer.
It requests the Receiver to credit the beneficiary customer(s) directly or indirectly through a clearing mechanism or another financial institution, or to issue a cheque to the beneficiary.
This message is used to convey multiple payment instructions between financial institutions for clean payments. Its use is subject to bilateral/multilateral agreements between Sender and Receiver.
Amongst other things, these bilateral agreements cover the transaction amount limits, the currencies accepted and their settlement. The multiple payments checklist included below is recommended as a guide for institutions in the setup of their agreements.
Struktur der Nachricht MT102
Definition
This field specifies the reference assigned by the Sender to unambiguously identify the message.
2
23
Bank Operation Code
M
Definition
This field identifies the type of operation.
3
51A
Sending Instruction
O
Definition
This field identifies the Sender of the message.
Format
| Option A | [/1!a][/34x]
4!a2!a2!c[3!c] | (Party Identifier)
(Identifier Code) |
4
50a
A
Ordering Customer
C
Definition
This field identifies the customer ordering all transactions described in sequence B.
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) |
5
52a
A
Ordering Institution
C
Definition
This field specifies the financial institution, when different from the Sender, which instructed the Sender to transmit all transactions described in sequence B. This is applicable even if field(s) 50a contain(s) 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) |
6
26T
Transaction Type Code
C
Definition
This field identifies the nature of, purpose of and/or reason for all transactions described in sequence B, for example, salaries, pensions or dividends.
7
77B
Regulatory Reporting
C
Definition
This field specifies the codes for the statutory and/or regulatory information required by the authorities in the country of the Receiver or the Sender.
8
71A
Details of Charges
C
Definition
This field specifies which party will bear the charges for all transactions described in sequence B.
Definition
This field specifies the exchange rate used to convert all instructed amounts specified in field 33B in sequence B.
10
21
Transaction Reference
M
Definition
This field specifies the unambiguous reference for the individual transaction contained in a particular occurrence of sequence B.
11
32B
Transaction Amount
M
Definition
This field specifies the individual transaction amount remitted by the Sender to the Receiver.
Format
| Option B | 3!a15d | (Currency)(Amount) |
12
50a
A
Ordering Customer
C
Definition
This field identifies the customer ordering the transaction in this occurrence of the sequence.
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) |
13
52a
A
Ordering Institution
C
Definition
This field specifies the financial institution, when other than the Sender, which instructed the Sender to transmit the transaction. This is applicable even if field(s) 50a contain(s) 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) |
14
57a
A
Account With Institution
O
Definition
This field specifies the financial institution which services the account for the beneficiary customer identified in the same sequence. 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 C | /34x | (Party Identifier) |
15
59a
Beneficiary Customer
M
Definition
This field specifies the customer to which the transaction amount should be transmitted.
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) |
16
70
Remittance Information
O
Definition
This field specifies details of the individual transaction which are to be transmitted to the beneficiary customer.
17
26T
Transaction Type Code
C
Definition
This field identifies the nature of, purpose of, and/or reason for the individual transaction, for example, salary, pension or dividend.
18
77B
Regulatory Reporting
C
Definition
This field specifies the codes for the statutory and/or regulatory information required by the authorities in the country of the Receiver or the Sender.
19
33B
Currency/Instructed Amount
C
Definition
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) |
20
71A
Details of Charges
C
Definition
This field specifies which party will bear the charges for the transaction in the same occurrence of sequence B.
21
71F
Sender's Charges
C
Definition
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) |
22
71G
Receiver's Charges
C
Definition
This field specifies the currency and amount of the transaction charges due to the Receiver.
Format
| Option G | 3!a15d | (Currency)(Amount) |
Definition
This field specifies the exchange rate used to convert the instructed amount specified in field 33B in the same occurrence of sequence B.
24
32A
Value Date, Currency Code, Amount
M
Definition
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) |
Definition
This field specifies the sum of all amounts appearing in field 32B in each occurrence of sequence B.
26
71G
Sum of Receiver's Charges
C
Definition
This field specifies the currency and accumulated amount of the transaction charges due to the Receiver.
Format
| Option G | 3!a15d | (Currency)(Amount) |
Definition
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) |
28
53a
A
Sender's Correspondent
O
Definition
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 C | /34x | (Account) |
29
54A
Receiver's Correspondent
O
Definition
Where required, 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) |
30
72
Sender to Receiver Information
O
Definition
This field specifies additional information for the Receiver.
Format
| 6*35x | (Narrative Structured Format) |
