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SWIFT ISO15022 Norm
Detailansicht für Nachricht MT103.STP - Überweisungsauftrag Bank an Kunde

  Beschreibung der Nachricht 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}}).

  Verwendung der Nachricht MT103.STP

Instructs a funds transfer

  Anwendungsfeld der Nachricht 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.

  Struktur der Nachricht MT103.STP

Nachrichtenfelder
1
20 
 
Sender's Reference
M
2
13C
 
Time Indication
O
3
23B
 
Bank Operation Code
M
4
23E
 
Instruction Code
C
5
26T
 
Transaction Type Code
O
6
32A
 
Value Date/Currency/Interbank Settled Amount
M
7
33B
 
Currency/Instructed Amount
C
8
36 
 
Exchange Rate
C
9
50a
A
Ordering Customer
M
 
 
F
 
 
 
 
K
 
 
10
52A
 
Ordering Institution
O
11
53a
A
Sender's Correspondent
C
 
 
B
 
 
12
54A
 
Receiver's Correspondent
C
13
55A
 
Third Reimbursement Institution
C
14
56A
 
Intermediary Institution
C
15
57A
 
Account With Institution
C
16
59a
 
Beneficiary Customer
M
 
 
A
 
 
 
 
F
 
 
17
70 
 
Remittance Information
O
18
71A
 
Details of Charges
M
19
71F
 
Sender's Charges
C
20
71G
 
Receiver's Charges
C
21
72 
 
Sender to Receiver Information
O
22
77B
 
Regulatory Reporting
O