MT103报文格式表
MT103介绍
MT103业务案例
SWIFT报文MT103适用范围
该报文类型是由发报行或代表委托客户的发报行 直接或通过代理行发送给受益客户国家内的银行 的报文。 它用于从发报行角度看，委托客户或受益客户或 两者都是非金融机构的头寸调拨业务中。 该报文仅用于无条件支付指示。它不能用于建议 委托机构使用光票支付,如支票、托收等,也不能 用于对冲要求分开支付的业务，如通过MT100对冲 支付。
ICBKDEFF MIDLGB22
HSBCHKHH
JAMES TSAI
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MT103应用案例（3-2）
SENDER’S BIC : MT: RECEIVER’S BIC : ICBKCNBJ 103 ICBKDEFF
-------------------------------------------------------20 : GSIDEFFXXXXXXXXH 23B: CRED 32A: 20071112EUR20000,00 50K: /1234567890123456789 ABC NO.7 JIANGUOMEN NEI AVE. BEIJING, P.R.CHINA 56A: MIDLGB22 57A: HSBCHKHH 59: /12345678 JAMES TSAI 23 STATE STREET FRANKFURT, GERMANY 71A: SHA
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MT103应用- 2
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:57D: /ACCOUNT WITH: //FW026009593 BANK OF AMERICA 1199 ORANGE AVENUE CORONADO CA 92118 :59: /BENEFICIARY CUSTOMER: /0168311548 XYZ COMPANY :70: /REMITTANCE INFORMATION: JORDEN JEAN :71A: /DETAILS OF CHARGES: BEN :71F: /SENDER'S CHARGES: 9.96 USD
swift mt103例题
swift mt103例题Swift MT103 是 Swift 消息格式的一种，用于国际银行间资金转账。
这是一个非常复杂和专业的文件格式，因此，这里只能提供一些关于如何处理Swift MT103 的基础信息和步骤。
以下是一个 Swift MT103 的简单示例：```swift{"35A": "001", // 报文类型"20F": "BIC", // BIC（银行识别码）"23B": "001", // 业务类型"50K": "Receiver's Name", // 收款人名称"59K": "Receiver's Account Number", // 收款人账号"27C": "1000", // 金额"40C": "Currency Code", // 货币代码"53A": "Description of the Transaction", // 交易描述"57A": "Institution's Name", // 机构名称"708": "Message Text", // 消息文本...}```这只是一个非常基础的示例，实际的 Swift MT103 报文可能包含更多的字段和更复杂的信息。
要正确地处理 Swift MT103 报文，需要深入了解其格式和标准。
如果你正在尝试解析或生成 Swift MT103 报文，你可能需要使用一些专门的库或工具来帮助你。
这些库通常会提供一些函数和方法，使你能够方便地添加、修改或删除报文中的字段。
103规约参考报文
103通讯参考报文以下均以00# 节点为例1.未初始化之前主：10 7B 00 7B 16子：10 0E 00 0E 16 链路服务未工作2.初始化主：10 40 00 40 16 复位通信单元子：10 20 00 20 16主：10 7A 00 7A 16子：68 15 15 68 28 00 05 81 04 00 FF 03 03 20 20 20 20 20 20 20 20 20 20 20 20 37 16 主：10 5A 00 5A 16子：68 15 15 68 08 00 05 81 05 00 FF 04 03 20 20 20 20 20 20 20 20 20 20 20 20 19 16主：10 47 00 47 16 复位帧计数位子：10 20 00 20 16主：10 7A 00 7A 16子：68 15 15 68 28 00 05 81 03 00 FF 02 03 20 20 20 20 20 20 20 20 20 20 20 20 35 16 主：10 5A 00 5A 16子：68 15 15 68 08 00 05 81 05 00 FF 04 03 20 20 20 20 20 20 20 20 20 20 20 20 19 163.时钟同步主：68 0F 0F 68 44 FF 06 81 08 FF FF 00 00 00 00 0C 0A 01 07 XX 164.4．通用分类服务总查询主：68 0A 0A 68 53(73) 00 15 81 09 00 FE F5 00 00 XX 16子：10 20 00 20 16主：10 7A 00 7A 16子：68 89 89 68 28 00XX 16 校验码、结束符主：10 5A 00 5A 16子：68 65 65 68 28 00XX 16 校验码、结束符5.6.遥控：（遥控01 节点1 路遥控）遥控分选择正确主：68 11 11 68 73 01 0A 81 28 01 FE F9 09 01 60 01 01 09 01 01 01 97 16 子：10 20 01 21 16主：10 5A 01 5B 16从：68 11 11 68 08 01 0A 81 2C 01 FE F9 09 01 60 01 01 09 01 01 01 30 16遥控分执行正确主：68 11 11 68 73 01 0A 81 28 01 FE FA 0A 01 60 01 01 09 01 01 01 99 16 从：68 0A 0A 68 08 01 0A 81 28 01 FE FA 0A 00 BF 16主：10 5A 01 5B 16从：68 0A 0A 68 08 01 0A 81 28 01 FE FA 0A 00 BF 16遥控合选择正确主：68 11 11 68 73 01 0A 81 28 01 FE F9 09 01 60 01 01 09 01 01 02 98 16 子：10 20 01 21 16主：10 5A 01 5B 16从：68 11 11 68 08 01 0A 81 2C 01 FE F9 09 01 60 01 01 09 01 01 01 30 16遥控合执行正确主：68 11 11 68 73 01 0A 81 28 01 FE FA 0A 01 60 01 01 09 01 01 02 9A 16 从：68 0A 0A 68 08 01 0A 81 28 01 FE FA 0A 00 BF 16主：10 5A 01 5B 16从：68 0A 0A 68 08 01 0A 81 28 01 FE FA 0A 00 BF 167.开关事项、保护事项、自检事项一级数据上送主：10 7A 00 7A 16 / 10 5A 00 5A 16开关变位子：68 1E 1E 68 08 000A 81 01 00 FE F4 00 0110 01 01 17 0E 010E 07 01 75 BF 2E 0C 01 01 07变位发生时间09 01 01 01变位性质01(从合到分) 02(从分到合)XX 16保护事项子：68 46 46 68 28 000A 81 01 00 FE F4 00 0120 01 01 17 36 010E 07 01 82 90 35 0C 01 01 07动作时间03 01 01 01动作次数03 01 01 02保护测量值个数03 01 01 00 03 02 01 10 27保护测量值03 01 01 04 03 02 01 10 27保护测量值03 01 01 FF 03 02 01 00 00保护测量值03 01 01 FF 03 02 01 00 00保护测量值XX 16自检事项子：68 1E 1E 68 08 000A 81 01 00 FE F4 00 0180 02 01 17 0E 010E 07 01 75 BF 2E 0C 01 01 07故障发生时间03 01 01 01故障次数XX 168.读一个组的全部条目的值保护测量值组主：68 0D 0D 68 53(73) 00 15 81 2A 00 FE F1 00 01 30 00 01 XX 16 遥测组主：68 0D 0D 68 53(73) 00 15 81 2A 00 FE F1 00 01 40 00 01 XX 16 遥信组主：68 0D 0D 68 53(73) 00 15 81 2A 00 FE F1 00 01 50 00 01 XX 16 电度组主：68 0D 0D 68 53(73) 00 15 81 2A 00 FE F1 00 01 70 00 01 XX 16 自检状态组主：68 0D 0D 68 53(73) 00 15 81 2A 00 FE F1 00 01 90 00 01 XX 16 子站响应保护测量值XX 16 校验码、结束符。
MT报文有两种格式
从境外汇入
美元汇款路径的路径1：
银行固定格式（SWIFT格式）汇款人填写
INTERMEDIARY BANKER’S NAME(中转行名称)：
Bank Of America, N.
A. New York Branch, New York
Industrial and Commercial Bank of China,(ASIA) LIMITED , Hong Kong
工银xx银行
SWIFT CODE(SWIFT代码)：
UBHKHH
Bene banker’s a/c No.(收款行在该代理行的账号):0180
BENEFICIARY BANKER’S NAME(收款行名称)：
美元汇款路径的路径2：
银行固定格式（SWIFT格式）汇款人填写
INTERMEDIARY BANKER’S NAME(中转行名称)：
JPMorgan Chase, New York Branch, New York
摩根大通银行xx分行
SWIFT CODE(SWIFT代码)：
CHASUS33
Bene banker’s a/c No.(收款行在该代理行的账号):95
2、如果您的汇入汇款是从香港汇出，请务必选择路径3。
3、如果您的汇入汇款是从汉城汇出，建议选择路径4。
4、如果您的汇入汇款是从香港、汉城之外的其他地区汇出，请务必选择路径1或2。
5、Beneficiary’sName如收款人为对公单位，则填写收款人在我行开户的英文名称；如为个人，应与其收款账户“户名”的汉语拼音或英文拼写一致。
美国境内纽约市中国工商银行纽约分行开业后应该会加入使用ACH美元网络,Automated Clearing House (ACH)是美国境内本土的美元转入转出网络。各机构通过ACH互转基本是没有费用的。推测,工银纽约分行作美元国际中转行后费用及成本将可能近一步减少.....
MT103介绍
MT103应用案例（1-1）
拥有直接账户关系的单笔客户汇款
ABC COMPANY ICBKCNBJGSI ICBKCNBJ MT103 CITIUS33
ABC Company 2007年11月12日向中国工商银 行广西分行某网点 (ICBKCNBJGSI)申请支付 USD5000至花旗银行纽约(CITIUS33) XYZ Ltd 的帐户(a/c 12345678)，付款信息为2007年 11月1日的发票NO.555666.
3
51A 发报行 汇款银行 发报行代理行 收报行代理行 第三方偿付行 中间行 帐户行 受益客户
MT103报文的格式（3）
状态 O M 标号 70 栏位名称 汇款信息 内容 4*35x 3!a
71A 费用细则
O
O O
71F
72 77T
发报行费用
3!a15d
3!a15d 6*35x
71G 收报行费用 附言（发报行给报文相关行）
O
O
77B 规则报告
随函内容
3*35x
9000z
状态栏 M=必选，O=可选
4
MT103栏位说明（1）
20栏：发报参考号 该参考号必须在任何一个相关的认证或声明中引用。
即20项业务编号如：GSICHAS2102XXXXH
23B栏：银行操作码 该栏位指明操作类型。网点只能用CRED 32A栏：起息日/货币/银行清算金额 格式：日期、货币、金额
13
MT103应用案例（2-3）
SENDER’S BIC : MT: RECEIVER’S BIC : SKTRJPJT 103 CITIUS33
----------------------------------------------------------20 : S9876111206 23B: CRED 23E: PHOB/9142552586 32A: 20071112JPY15000,00 50K: ABC NO.7 JIANGUOMEN NEI AVE. BEIJING, P.R.CHINA 52A: ICBKCNBJ 57A: AMSBUS44 59: /12345678 JAMES TSAI 23 STATE STREET ALABAMA, USA 71A: SHA
MT103格式
SIMPLE INTRODUCE OF MT103-XX (T/T PAYMENT)SIMPLE INTRODUCE OF MT103-XX (T/T PAYMENT) :简要介绍：1973年5月，会员国197个，会员银行达到6000家以上，为国际银行间提供信息处理何交换的工作。
客户单笔汇款的原理n1.汇款行发出汇款指令给其帐户行n2.汇款行的帐户行按指令将头寸支付给收款行的帐户行或者收款行n3.收款行将头寸解付给收款人MT103中的相应栏位内容介绍n20.业务编号n21.相关业务编号n32.起息日n32B.币种金额n50.付款人n53.发报行代理行帐号n57.收款人开户行n59.收款人帐号n（五行）n71.费用负担n72.附言n23.银行操作代码n统一为CREDMT103中的一些注意事项n1.汇款路线的选择，原则上拉直汇款路线，这样可以使汇款的速度提高，中间费用降低n2.对方收款人的帐号，收款行的SWIFT代码不得输入错误，否则将无法正确支付给收款人n3.实际业务中灵活处理香港地区的汇款.港币及美元的汇款都可以通过建行香港分行进行清算。
台湾地区的美元清算可以直接通过美联银行进行清算等这些实际业务操作。
MT103中的一些例子n1.例如PCBCCNBJJSX支付USD300给HSBCHKHH则我们选择的汇款路线为PCBCHKHHn2.例如PCBCCNBJJSX支付USD300给KOEXKRSE（韩国外汇银行）由于KOEXKRSE的帐户行CHASUS33为我行帐户行，则可以选择CHASUS33进行清算n3.例如PCBCCNBJJSX支付USD300给CTCBTWTP（中华信托银行台北分行），则可以利用两岸通产品通过PNBPUS3NNYC进行清算n4.例如PCBCCNBJJSX支付HKD300给HSBCHKHH，则通过PCBCHKHH进行清算n5.例如PCBCCNBJJSX支付USD300给HSBCSG，因为HSBCSG的美元清算行为MRMDUS33，因此我们将选择我们的帐户行例如BOFAUS3N支付给MRMDUS33,再由MRMDUS33支付给HSBCSG。
MT103format-2
xxxxxxxxxxxxxxxxxxxxxxxxx TIME: xx xx xx*********************************************** ***************************************************BACR: MSG TYPE: MT103MESSAGE INPUT REFERENCE: xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx------------------------------- INSTANCE AND TRANSMITION -----------------------------------------------NOTIFICATION (HISTORY) : ACKNOWLEDGEMENT & AUTHENTICATIONPRIORITY/DELIVERY : NORMAL--------------------------------------------- MESSAGE HEADER -------------------------------------------------SWIFT INPUT: MT103 BANK PAY ORDESENDER:BANK :ADDRESS:ACCOUNT NAME:ACCOUNT NUMBER:IBAN:SORT CODE:AMOUNT:RECEIVER: FJIBCNBA850BANK NAME: INDUSTRIAL BANK CO. LTD., T IANJIN BRANCHBANK ADDRESS: SENMIAO COMMERCIAL MANSION, WUJIAYAO STREET, HEXI DIS., TIANJIN, CHINAACCOUNT NAME: TIANJIN LYHAI CHEMICAL CO., LT D.ACCOUNT NUMBER: 441131100100001664SWIFT CODE: FJIBCNBA850---------------------------SWIFT MESSAGE TEXT-------------------------27 : 1/120 : SENDER'S REFERENCE :23B: BANK OPERATION CODE : CRED32A: VAL DTE/CURR/AMOUNT : XX/XX/XX 2014 EUROEUR1000,000,000.0050K: ORDERING CUSTOMER NAME :56A: INTERMEDIARY INSTITUTION :SENDERS57A: ACCOUNT WIT H INSTITUTIO N :59: BENEFICIARY CUSTOMER NAME :70: REMITTANCE INFORMATION :71A: DETAILS OF CHARGES : OURS72: SENDER TO RECEIVER INFORMATION79: NARRATIVE:DEAR BANKERSORDERING CUSTOMERS MESSAGE.WE,BANK NAME AND ADDRESS WITH FULL BANKING RESPONSIBILITY HEREBY CONFIRM OUR NEGOTIABLE, ASSIGNABLE, TRANSFERABL E, DIVISIBLE CASH BACKED MT103 SWIFT WIRE TRANSFER OF € 100,000,000 (ONE HUNDRED MILLIO N EURO ONLY). FOR DEPOSIT TO THE ACCOUNT OF TIANJIN LYHAI CHEMICAL CO., LTD, WITH ACCOUNT NUMBER: 441131100100001664WE HEREBY CONFIRM THAT THESE FUNDS TO THE BEST OF OUR KNOWLEDGE ARE CLEAN, CLEAR FREE OF ANY LEVY LIENS OR ENCUMBRANCE AND THE RULE OF FULL DISCLOSURE HAS BEEN EST ABLISHED THAT SURE FUNDS WERE LEGALLY OBTAINED FROM NON-CRIMINAL ORIGIN ARE FROM A LEGAL SOURCE. THIS UNCONDITIONAL, IRREVOCABLE, TRANSFERABLE AND CALLABLE MT103 BANK PAY ORDER IS BINDING FULLY PERFORMED DUE BILL AND IMMEDIATELY CALLABLE FOR CASH PAYMENT, WE CONFIRM THAT THE PAYMENT SHOULD BE RELEASED SAME DAY.WE HEREBY INSTRUCT YOU TO IMMEDIAT ELY CREDIT THE ACCOUNT OF TIANJIN LYHAI CHEMICAL CO., LTD, WITH ACCOUNT NUMBER: 441131100100001664.THIS IS AN OPERATIVE INSTRUMENT WHICH CAN PLEDGE AND THIS IS AN OPERATIVE INSTRUMENT SUBJECT TO THE INTERNATIONAL UNIFORM COMMERCIAL CODE AS IT RELATES TO BAN K CREDIT PAYMENT AND TRANSFER. PLEASE ADVICE THE BENEFICIARY OF FUNDS TRANSFER IN THE AMOUNT OF € 100,000,000 (ONE HUNDRED MILLION EURO ONLY). FOR INVESTMENT AND TRADEPLEASE ADVISE RECEI VING ACCORDING TO THE BENEFICIARY’S INSTRUCTIONS TO DO THE TRANSFER THIS OPERATIVE INSTRUMENT.PLEASE CONFIRM DEPOSIT TO THE ADVISED ACCOUNT HOLDER WHEREBY WE CONFIRM AND GUARANTEE THAT THE FUNDS WILL NOT BE CLAIM BACK.RECORD INFO RMATION SWIFT ORDER IS MAC: (PAC) PEG E NC) CHK (INT) PED) (MAC).FOR AND ON BEHALF OF......................................AUTHORIZED OFFICER 1AUTHORIZED OFFICER 2---------------------------------------------MESSAGE TRAILER----------------------------------------------------(CHK: ..........)PKI SIGNATURE: MAC-EQUIVALENT…………………………………………………… …………… INTERVENTIONS…………………………………CATEGORY : NETWORK REPORTCREATION TIME : XXXXXXX-XXXXXXXAPPLICATION : SWIFT INTERFACEOPERATOR : SYSTEMTEXT (1:.........................................) (....: (............5) (...:...))*********************************END OF MESSAGE*********************************:00: CONFIRMED ACCEPTED时间：XX XX XX XX XX XX XX XX XX基本型：mt103味精消息输入参考：xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx实例和传输----------------------------------------------- -------------------------------- acknowledgement & Notification（历史）：认证正常优先/药：--------------------------------------------- -------------------------------------------------消息头输入：mt103 SWIFT银行付费次序发射机：银行：地址：帐户名称：帐号：账号：SORT代码：金额：fjibcnba850接收机银行名称：兴业银行股份有限公司天津分公司银行地址：wujiayao森淼商业大厦，dis.河西街，天津，中国帐户名称：天津lyhai化工有限公司帐户号码：441131100100001664SWIFT代码：fjibcnba850------------------------- ------------------------------- SWIFT消息文本27：1／120：发射器的参考：操作：银行或23B条的代码：curr / Val - 32A：金额：XX XX XX欧元2014号eur1000000000.00采购：客户名称：50K56A：中介机构：发射机客户和机构：test59：客户名称：受益人70：remittance信息：71A条的细节：我们的收费：72：发射机到接收机的信息叙事：79亲爱的银行家客户订购的消息。
境内外币支付系统报文格式标准
附件四：境内外币支付系统报文格式标准外币支付系统接口报文格式标准V中国人民银行科技司二〇〇八年四月目录1报文标准概述错误!未定义书签。
概述错误!未定义书签。
属性符号错误!未定义书签。
X字符集错误!未定义书签。
英文简称命名规范错误!未定义书签。
报文结构错误!未定义书签。
报文块格式错误!未定义书签。
基本头块错误!未定义书签。
应用头块错误!未定义书签。
用户头块错误!未定义书签。
正文块错误!未定义书签。
附加正文块错误!未定义书签。
签名块错误!未定义书签。
报尾块错误!未定义书签。
2主要数据定义错误!未定义书签。
约定和检查规则错误!未定义书签。
特定变量定义错误!未定义书签。
DATE变量定义错误!未定义书签。
TIME变量定义错误!未定义书签。
行号BIC码变量定义错误!未定义书签。
金额AMOUNT变量定义错误!未定义书签。
借贷标识变量定义<DC> 错误!未定义书签。
货币符号<CUR> 错误!未定义书签。
业务种类<BUSITYPE> 错误!未定义书签。
汇款人账户性质<ACCTYPE> 错误!未定义书签。
业务参考号<MSGREFNO> 错误!未定义书签。
回车换行符<CRLF> 错误!未定义书签。
77E填写规则：错误!未定义书签。
支付业务处理状态定义错误!未定义书签。
支付交易序号错误!未定义书签。
客户账号错误!未定义书签。
3报文格式定义错误!未定义书签。
报文清单错误!未定义书签。
外币支付业务类错误!未定义书签。
MT103(FMT100):境内跨行贷记业务报文（境内业务）错误!未定义书签。
MT103(FMT101):境内跨行贷记业务报文（汇出业务）错误!未定义书签。
MT103(FMT102):境内跨行贷记业务报文（汇入业务）错误!未定义书签。
MT103(FMT103):境内跨行贷记业务报文（退汇业务）错误!未定义书签。
MT103(FMT104):境内跨行贷记业务报文（转汇信息）错误!未定义书签。
SWIFT_MT103_付款报文格式
MT 103MT 103 - ClearingLine Format SpecificationsMT 103 Customer TransferM = Mandatory O = OptionalStatus Tag Field Name Content/OptionsM 20 Sender's Reference 16 digitsM 23B Bank Operation Code CREDO 23E Instruction Code 4 digitsM 32A Value DateCurrencyInterbank Settled Amount 6 numeric3 alphabetical 15 digitsO 33B Currency/ InstructedAmount 3 alphabetical 15 digitsO 36 Exchange Rate 12 digitsM 50a Ordering Customer:Account numberCode / Identifier (Option F)Name & AddressOption F is preferredOption Option A[/34x] (Account)4!a2!a2!c[3!c] (BIC/BEI) Option K[/34x] (Account)4*35x (Name & Address) Option F35x (Party Identifier)4*35x (Name & Address)O 52A Ordering Institution A or DM 53B Sender's Correspondent /D/10 digitsyour account number O 56A Intermediary Institution A or CC = for Germany only O 57A Account With Institution A, B, C or DC = for Germany onlyStatus Tag Field Name Content/OptionsM 59A Beneficiary Customer:Account number Name and Adress /34 digits4 lines 35 digits eachO 70 Remittance Information 4 lines35 digits each M 71A Details of Charges OURSHABENO 71F Sender's Charges Example:71F EUR8,00 O 71G Receiver's Charges Example:71G EUR5,50O 72 Sender to ReceiverInformation Example:Line 1: /ACC/Branch 2 Lines 2-6: //............ slashes are set by thesystem1. Field 20: Your ReferenceThis field specifies the reference assigned by you to clearly identify the message.This field must not start or end with a slash '/' and must not contain two consecutive slashes '//'This reference will be quoted in any related confirmation or statement, e.g. MT 910 and / or 940, 942, 950.2. Field 23B: Bank Operation CodeThis field identifies the type of operation.Code:CRED – Standard Message3. Field 23E: Instruction CodeThis field specifies an instruction.Codes:Instructions must contain one of the following codes:SDVA Payment must be executed to the beneficiary with same day value.INTC The payment is an intra-company payment, i.e., a payment between two companies belonging to the same group.REPA Payment has a related e-Payments reference.CORT Payment is made in settlement of a trade, e.g., foreign exchange deal,securities transaction.HOLD Beneficiary customer/claimant will call; pay upon identification.CHQB Pay beneficiary customer only by cheque. The optional account number line in field 59 must not be used.PHOB Please advise/contact beneficiary/claimant by phone.TELB Please advise/contact beneficiary/claimant by the most efficient means of telecommunication.PHON Please advise account with institution by phone.TELE Please advise account with institution by the most efficient means oftelecommunication.PHOI Please advise the intermediary institution by phone.TELI Please advise the intermediary institution by the most efficient means of telecommunication.4. Field 32A: Value Date, Currency Code, AmountThis field specifies the value date, currency and amount to be transferred.5. Field 33B: Currency/Instructed Amount (If a conversion was made on your side)This amount is provided for information purposes and will be transported unchanged through the transaction chain.6. Field 36: Exchange RateThis field specifies the exchange rate used to convert the instructed amount specified in field 33B.This field must be present when a currency conversion has been performed on the Sender's side.7. Field 50a: Ordering CustomerThis field specifies the customer ordering the transaction.According to the Money Laundering Act, the complete name & address and account number (Option K), or other identification data (Option F) of the sender must be entered.Since October 29, 2007 the preferred option is FFormat field 50F:In option F the following line formats must be used:Line 1 (subfield Party /34x (Account Number)Identifier)Lines 2-5 (subfield 1!n/33x (Number)(Details)Name & Address)OrLine 1 (subfield Party 4!a/2!a/27x (Code)(Country Code)(Identifier)Identifier)Lines 2-5 (subfield 1!n/33x (Number)(Details)Name & Address)Codes:In option F, when subfield 1 Party Identifier is used with the (Code)(Country Code)(Identifier) format, one of the following codes must be used:ARNU Alien RegistrationNumber The code followed by a slash, '/' must be followed by the ISO country code, a slash, '/' and the Alien Registration NumberCCPT Passport Number The code followed by a slash, '/' must be followed by the ISO countrycode, a slash, '/' and the Passport Number.CUST CustomerIdentificationNumber The code followed by a slash, '/' must be followed by the ISO country code of the issuer of the number, a slash, '/', the issuer of the number, a slash, '/' and the Customer Identification Number.DRLC Driver's LicenseNumber The code followed by a slash, '/' must be followed by the ISO country code of the issuing authority, a slash, '/', the issuing authority, a slash, '/' and the Driver's License Number.EMPL Employer Number The code followed by a slash, '/' must be followed by the ISO countrycode of the registration authority, a slash, '/', the registration authority,a slash, '/' and the Employer Number.NIDN National IdentityNumber The code followed by a slash, '/' must be followed by the ISO country code, a slash, '/' and the National Identity Number.SOSE Social SecurityNumber The code followed by a slash, '/' must be followed by the ISO country code, a slash, '/' and the Social Security Number.TXID Tax IdentificationNumber The code followed by a slash, '/' must be followed by the ISO country code, a slash, '/' and the Tax Identification Number.In option F, each line of subfield 2 Name & Address when present must start with one of the following numbers:1 Name of theorderingcustomer The number followed by a slash, '/' must be followed by the name of the ordering customer (where it is recommended that the surname precedes given name(s)).2 Address Line The number followed by a slash, '/' must be followed by an Address Line(Address Line can be used to provide for example, street name and number,or building name).3 Country andTown The number followed by a slash, '/' must be followed by the ISO country code, a slash '/' and Town (Town can be complemented by postal code (for example zip), country subdivision (for example state, province, or county).4 Date of Birth The number followed by a slash, '/' must be followed by the Date of Birth in theYYYYMMDD format.5 Place of Birth The number followed by a slash, '/' must be followed by the ISO country code,a slash '/' and the Place of Birth.6 CustomerIdentificationNumber The number followed by a slash, '/' must be followed by the ISO country code of the issuer of the number, a slash, '/', the issuer of the number, a slash, '/' and the Customer Identification Number.7 National IdentityNumber The number followed by a slash, '/' must be followed by the ISO country code, a slash, '/' and the National Identity Number.8 AdditionalInformation The number followed by a slash, '/' is followed by information completing one of the following:the Identifier provided in subfield 1 (Party Identifier) used with the (Code)(Country Code)(Identifier) format.the Customer Identification Number provided in subfield 2 (Name & Address) with number 6.the National Identity Number provided in subfield 2 (Name & Address) with number 7.NETWORK VALIDATED RULESIdentifier Code must be a registered BIC or BEI.In option F, subfield 1 (Party Identifier) used with the (Code)(Country Code)(Identifier) format: Country Code must be a valid ISO country code.In option F, subfield 2 (Name & Address):•The first line must start with number 1.•Numbers must appear in numerical order.•Number 2 must not be used without number 3.•Number 4 must not be used without number 5 and vice versa.•Number 4 must be followed by a valid date in the format YYYYMMDD and this date, local to the sender, must not be later than the date on which the message is successfully sent to SWIFT.•Numbers 3, 5, 6 and 7 must be followed by a valid ISO country code, a slash '/' and additional Details.•Numbers 3, 4, 5, 6, 7 and 8 must not be repeated.•The use of number 8 is only allowed in the following instances:o to continue information on the Identifier of the ordering customer provided in subfield 1 (Party Identifier) used with the (Code)(Country Code)(Identifier) format.o to continue information on the Customer Identification Number provided in subfield 2 (Name & Address) following number 6.o to continue information on the National Identity Number provided in subfield 2 (Name & Address) following number 7.USAGE RULESIf the account number of the ordering customer is present, it must be stated in Account.In option F, subfield 2 (Name & Address): Numbers 1 and 2 may be repeated.In option F, subfield 1 (Party Identifier) used with the (Code)(Country Code)(Identifier) format: if additional space is required for providing the Identifier of the ordering customer, one of the following options must be used:1. First option (preferred): Identify the ordering customer with a different identifier wherethe length is not an issue.2. Second option: Continue the information in subfield 2 (Name & Address) usingnumber 8.In option F, subfield 2 (Name & Address): if additional space is required for providing the Customer Identification Number (number 6) or the National Identity Number (number 7) ofthe ordering customer, one of the following options must be used:1. First option (preferred): Identify the ordering customer with a different identifier wherethe length is not an issue.2. Second option: Continue the information in subfield 2 (Name & Address) usingnumber 8.ExamplesOption F - Example 1:50F:/123456781/SMITH JOHN2/299, PARK AVENUE3/US/NEW YORK, NY 10017Option F - Example 2:50F:/BE300012163714111/PHILIPS MARK4/197208305/BE/BRUSSELSOption F - Example 3:50F:DRLC/BE/BRUSSELS/NB09490421/DUPONT JACQUES2/HIGH STREET 6, APT 6C3/BE/BRUSSELSOption F - Example 4:50F:NIDN/DE/1212312343421/MANN GEORG6/DE/ABC BANK/1234578293Option F - Example 5:50F:CUST/DE/ABC BANK/123456789/8-1234561/MANN GEORG2/LOW STREET 73/DE/FRANKFURT8/7890This means that the customer identification number of Mann Georg assigned by ABC Bank is 123456789/8-1234567890.References: SWIFTStandards 8. Field 52a: Ordering InstitutionThis field specifies the ordering institution if other than your Bank.The BIC must be a SWIFT registered address.Option A is the preferred option.Option D should only be used if the ordering financial institution has no BIC.9. Field 53B: Sender's CorrespondentThis field specifies the account to which the payment has to be debited.10. Field 56a: Intermediary InstitutionThis field identifies the correspondent bank of the account with institution if other than VTB Bank.The BIC must be a SWIFT registered address.Option A must be used whenever possible.Option C Party Identifier may be used to indicate a national clearing system code,Important: Option C with clearing code other than DE will be forwarded withoutChecking11. Field 57a: Account with InstitutionThis field identifies the financial institution, if other than VTB Bank, which will pay or credit the beneficiary institution.The BIC must be a SWIFT registered address.Option A must be used whenever possible.Option D must only be used in exceptional circumstances, e.g., if the party cannot be identified by a BIC.Option C Party Identifier may be used to indicate a national clearing system code.Option C with clearing code other than DE will be forwarded withoutchecking.12. Field 59a: Beneficiary CustomerThis field specifies the customer who will be paid.At least the account number, name, full address or the BEI (Business Entity Identifier) of the beneficiary customer is mandatory.13. Field 70: Remittance InformationThis 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.The information specified in this field is intended only for the beneficiary customer.We do not read its content.14. Field 71A: Details of ChargesThis field specifies which party will bear the charges for the transaction.One of the following codes must be used:BEN/SHA All transaction charges are to be borne by the beneficiary customer.SHA or OUR and /SPLIT/ In Field 72 causes charges will be debited to your account, all the other to the beneficiary‘s account.OUR All transaction charges are to be borne by the ordering customer.15. Field 71F: Sender's ChargesThis repetitive field specifies the currency and amount of the transaction charges deducted by you and by previous banks in the transaction chain.These fields are conveyed for transparency reasons.The net amount after deduction of the Sender's charges will be quoted as the inter-bank settled amount in field 32A.16. Field 72: Sender to Receiver InformationThis field specifies additional information for the Receiver of the payment order or another party identified in the field.Codes:Please be informed that the usage of this codes (except ‘INS’) will cause Third Bank / REPAIR Charges.ACC Instructions following are for the account with institution.INS The institution which instructed the Sender to execute the transaction.INT Instructions following are for the intermediary institution.REC Instructions following are for the Receiver of the message.Field 72 must in no case be used for information for which another field is intended.Codes must be placed between slashes and at the beginning of a line. Additional explanatory information, which may be continued in the next lines, is preceded by a double slash '//'.16A. Field 72: Special OWHBDEFF Code/SPLIT/ + Field 71A = SHA or OUR = Charges of ordering customer institution to bepaid by ordering customer, all other charges to be paid by beneficiary.No REPAIR Charges will apply.。
mt103格式
SNDTIME：特指时间TARGET支付已经借记发送方的央行，以中欧时间为准。
RNCTIME：特指时间TARGET付款已经贷记接受方的央行，以中欧时间为准。
CLSTIME：在特指时间内，付款资金已被贷记清算行开在央行的帐号，同时
得到证实，以中欧时间为准。
使用规则：时间偏差表述为：“HHMM”，小时以“HH”表示，在00—13范围
IE 6!n Irish National Clearing Code (NSC)
IT 11..23x Italian Domestic Identification Code
PT 8!n Portuguese National Clearing Code
SC 6!n UK Domestic Sort Code
汇兑率中整数位必须含有至少一个阿拉伯数字。逗点是必选位且包含在12位
中。
50a：汇款人(M)
结构：50A：[/34x]（选择性帐号子栏位）
4!a2!a2!c[3!c]（BIC/BEI）
51A：发报行（目前我行收发电不使用）(O)
51A栏位只在IFT网络层面有效。
（IFT：INTERBANK FILE TRANSFER，同业银行间档案、文件的传输，
CH 6!n CHIPS Universal Identifier
CP 4!n CHIPS Participant Identifier
ES 8..9n Spanish Domestic Interbanking Code
FW 9!n Fedwire Routing Number
HK 3!n Bank Code of Hong Kong
中间，分钟以“MM”表示，在00—59范围中。符号表示为‘+’
MT103格式
SIMPLE INTRODUCE OF MT103-XX (T/T PAYMENT)SIMPLE INTRODUCE OF MT103-XX (T/T PAYMENT) :简要介绍：MT103是国际上通用的客户单笔汇款并通过swfit发送的汇款指令及报文格式Swift（society for worldwide interbank financial telecommunication）中文环球同业银行金融电讯协会，总部在比利时的布鲁塞尔，成立于1973年5月，会员国197个，会员银行达到6000家以上，为国际银行间提供信息处理何交换的工作。
客户单笔汇款的原理n1.汇款行发出汇款指令给其帐户行n2.汇款行的帐户行按指令将头寸支付给收款行的帐户行或者收款行n3.收款行将头寸解付给收款人客户单笔汇款中的当事人n1.汇款人ordering customern2.汇款行pcbccnbjjsxn3.发报行的代理行pcbccnbjxxxn4.收款行的帐户行intermediary institutionn5.收款行account with institutionn6.收款人beneficiary customerMT103中的相应栏位内容介绍n20.业务编号n21.相关业务编号n32.起息日n32B.币种金额n50.付款人n53.发报行代理行帐号n57.收款人开户行n59.收款人帐号n（五行）n71.费用负担n72.附言n23.银行操作代码n统一为CREDMT103中的一些注意事项n1.汇款路线的选择，原则上拉直汇款路线，这样可以使汇款的速度提高，中间费用降低n2.对方收款人的帐号，收款行的SWIFT代码不得输入错误，否则将无法正确支付给收款人n3.实际业务中灵活处理香港地区的汇款.港币及美元的汇款都可以通过建行香港分行进行清算。
台湾地区的美元清算可以直接通过美联银行进行清算等这些实际业务操作。
MT103中的一些例子n1.例如PCBCCNBJJSX支付USD30000给HSBCHKHH则我们选择的汇款路线为PCBCHKHHn2.例如PCBCCNBJJSX支付USD30000给KOEXKRSE（韩国外汇银行）由于KOEXKRSE的帐户行CHASUS33为我行帐户行，则可以选择CHASUS33进行清算n3.例如PCBCCNBJJSX支付USD30000给CTCBTWTP（中华信托银行台北分行），则可以利用两岸通产品通过PNBPUS3NNYC进行清算n4.例如PCBCCNBJJSX支付HKD30000给HSBCHKHH，则通过PCBCHKHH进行清算n5.例如PCBCCNBJJSX支付USD30000给HSBCSGSG，因为HSBCSGSG的美元清算行为MRMDUS33，因此我们将选择我们的帐户行例如BOFAUS3N支付给MRMDUS33,再由MRMDUS33支付给HSBCSGSG。
MT103格式
SIMPLE INTRODUCE OF MT103-XX (T/T PAYMENT)SIMPLE INTRODUCE OF MT103-XX (T/T PAYMENT) :简要介绍：MT103是国际上通用的客户单笔汇款并通过swfit发送的汇款指令及报文格式Swift（society for worldwide interbank financial telecommunication）中文环球同业银行金融电讯协会，总部在比利时的布鲁塞尔，成立于1973年5月，会员国197个，会员银行达到6000家以上，为国际银行间提供信息处理何交换的工作。
客户单笔汇款的原理n1.汇款行发出汇款指令给其帐户行n2.汇款行的帐户行按指令将头寸支付给收款行的帐户行或者收款行n3.收款行将头寸解付给收款人客户单笔汇款中的当事人n1.汇款人ordering customern2.汇款行pcbccnbjjsxn3.发报行的代理行pcbccnbjxxxn4.收款行的帐户行intermediary institutionn5.收款行account with institutionn6.收款人beneficiary customerMT103中的相应栏位内容介绍n20.业务编号n21.相关业务编号n32.起息日n32B.币种金额n50.付款人n53.发报行代理行帐号n57.收款人开户行n59.收款人帐号n（五行）n71.费用负担n72.附言n23.银行操作代码n统一为CREDMT103中的一些注意事项n1.汇款路线的选择，原则上拉直汇款路线，这样可以使汇款的速度提高，中间费用降低n2.对方收款人的帐号，收款行的SWIFT代码不得输入错误，否则将无法正确支付给收款人n3.实际业务中灵活处理香港地区的汇款.港币及美元的汇款都可以通过建行香港分行进行清算。
台湾地区的美元清算可以直接通过美联银行进行清算等这些实际业务操作。
MT103中的一些例子n1.例如PCBCCNBJJSX支付USD30000给HSBCHKHH则我们选择的汇款路线为PCBCHKHHn2.例如PCBCCNBJJSX支付USD30000给KOEXKRSE（韩国外汇银行）由于KOEXKRSE的帐户行CHASUS33为我行帐户行，则可以选择CHASUS33进行清算n3.例如PCBCCNBJJSX支付USD30000给CTCBTWTP（中华信托银行台北分行），则可以利用两岸通产品通过PNBPUS3NNYC进行清算n4.例如PCBCCNBJJSX支付HKD30000给HSBCHKHH，则通过PCBCHKHH进行清算n5.例如PCBCCNBJJSX支付USD30000给HSBCSGSG，因为HSBCSGSG的美元清算行为MRMDUS33，因此我们将选择我们的帐户行例如BOFAUS3N支付给MRMDUS33,再由MRMDUS33支付给HSBCSGSG。
国际汇款报文格式
国际汇款报文格式MT103报文用于个人客户之间的资金划转。
SWIFT标准报文格式手册对于一笔MT103支付报文的格式要求用一张简单表格整理如下：其中，我们看到一些必输栏位和选输栏位。
这意味着，当一笔支付报文的20、23B、32A、50a、59a和71A这些必输的基本栏位已经填妥时，这笔报文就能够通过SWIFT ALLIANCE 系统顺利到达收报行。
我们收到的报文回执就是ACK。
为实现这个ACK，我们第一步需要遵循对于各个栏位制定的规则从而将这些必输栏位填写正确。
其次，更常见情况往往是，仅仅这些基本栏位无法满足我们发出一笔支付报文时想要传达的所有信息。
此时，我们就要用到选填项。
不能小瞧了这些选填栏位，他们对于报文能够走通、能否直通、是否会间接引起退汇等等同样起到了至关重要的作用。
因此，接下来我就最为常用的栏位规则做逐一分析。
20：发报行编号。
必输项。
由发报行自行编写，用以关联支付报文。
第一个和最后一个编码不能用“/”符号占位，中间不能包含“//”。
20栏编号在银行往来报文，例如MT910、MT950或者MT199等报文中，通常在21栏被予以引用。
当该报文以COVER 形式发出MT202 COV报文时，同样在MT202 COV报文的21栏位被引用。
23B：银行运营代码。
最常用的是CRED。
32A：起息日/币种/结算金额。
必输项。
起息日格式为年-月-日。
33B：表示指示金额，即汇款人汇出汇款金额。
通常为非必输项，但是当汇款行在汇出汇款时因汇款币种改变而产生汇率调整时，33B就是必输项。
一旦发报行在发出的报文中显示了33B信息，中间行在转报时需将该信息不做更改传递下去。
没有发生购售汇的情况下，当汇款行、中间行及收款行没有扣减费用时，33B显示金额应等于32A 显示金额；显然当银行扣收费用时，33B显示金额大于32A显示金额。
收款行及收款人可以通过两个金额之间的差额获知银行费用明细。
50a：汇款人信息。
是必填项。
MT103介绍解读
MT103应用案例（2-1）
与账户行有间接账户关系的单笔客户汇款
ABC ICBKCNBJGSI ICBKCNBJ
MT103
ABC 2007年11月12日向中国工商银行广西分 行(ICBKCNBJGSI)申请支付JPY15000 到Bank of Alabama (AMSBUS44) James账户 (a/c #12345678). AMSBUS44 在 CITIUS33 开有各 币种的帐户。
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MT103应用案例（3-1）
与帐户行有间接帐户关系的单笔客户汇款
ABC ICBKCNBJGSI ICBKCNBJ
MT103
ABC于2007年11月12日向中国工商银行广西分 行(ICBKCNBJGSI)申请支付EUR20000 到香港汇 丰银行 (HSBCHKHH) James Tsai帐户 (a/c #12345678). 香港汇丰银行 （HSBCHKHH） 在英国汇丰 （MIDLGB22）开有欧元清算帐户。 工总行(ICBKCNBJ) 在工商银行法兰克福分行 (ICBKDEFF) 开有欧元清算帐户。ICBKDEFF与 MIDLGB22 都是欧元清算系统直接参与者。 费用负担方式为：sha
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MT103应用案例（2-2）
-----------------------------------------------------------20 : GSISKTRXXXXXXXXH 23B: CRED 23E: PHOB/2552586 32A: 20071112JPY15000,00 50K: ABC NO.7 JIANGUOMEN NEI AVE. BEIJING, P.R.CHINA 56A: CITIUS33 57A: AMSBUS44 59: /12345678 JAMES TSAI 23 STATE STREET ALABAMA, USA 71A: SHA
SWIFT_MT103_付款报文格式
SWIFT_MT103_付款报⽂格式MT 103MT 103 - ClearingLine Format SpecificationsMT 103 Customer TransferM = Mandatory O = OptionalStatus Tag Field Name Content/OptionsM 20 Sender's Reference 16 digitsM 23B Bank Operation Code CREDO 23E Instruction Code 4 digitsM 32A Value DateCurrencyInterbank Settled Amount 6 numeric3 alphabetical 15 digitsO 33B Currency/ InstructedAmount 3 alphabetical 15 digitsO 36 Exchange Rate 12 digitsM 50a Ordering Customer:Account numberCode / Identifier (Option F)Name & AddressOption F is preferredOption Option A[/34x] (Account)4!a2!a2!c[3!c] (BIC/BEI) Option K[/34x] (Account)4*35x (Name & Address) Option F35x (Party Identifier)4*35x (Name & Address)O 52A Ordering Institution A or DM 53B Sender's Correspondent /D/10 digitsyour account number O 56A Intermediary Institution A or CC = for Germany only O 57A Account With Institution A, B, C orD C = for Germany onlyStatus Tag Field Name Content/OptionsM 59A Beneficiary Customer:Account number Name and Adress /34 digits4 lines 35 digits eachO 70 Remittance Information 4 lines35 digits each M 71A Details of Charges OURSHABENO 71F Sender's Charges Example:71F EUR8,00 O 71G Receiver's Charges Example:71G EUR5,50O 72 Sender to ReceiverInformation Example:Line 1: /ACC/Branch 2 Lines 2-6: //............ slashes are set by thesystem1. Field 20: Your ReferenceThis field specifies the reference assigned by you to clearly identify the message.This field must not start or end with a slash '/' and must not contain two consecutive slashes '//'This reference will be quoted in any related confirmation or statement, e.g. MT 910 and / or 940, 942, 950.2. Field 23B: Bank Operation CodeThis field identifies the type of operation.Code:CRED – Standard Message3. Field 23E: Instruction CodeThis field specifies an instruction.Codes:Instructions must contain one of the following codes:SDVA Payment must be executed to the beneficiary with same day value.INTC The payment is an intra-company payment, i.e., a payment between two companies belonging to the same group. REPA Payment has a related e-Payments reference.CORT Payment is made in settlement of a trade, e.g., foreign exchange deal,securities transaction.HOLD Beneficiary customer/claimant will call; pay upon identification.CHQB Pay beneficiary customer only by cheque. The optional account number line in field 59 must not be used. PHOB Please advise/contact beneficiary/claimant by phone.TELB Please advise/contact beneficiary/claimant by the most efficient means of telecommunication.PHON Please advise account with institution by phone.TELE Please advise account with institution by the most efficient means oftelecommunication.PHOI Please advise the intermediary institution by phone.TELI Please advise the intermediary institution by the most efficient means of telecommunication.4. Field 32A: Value Date, Currency Code, AmountThis field specifies the value date, currency and amount to be transferred.5. Field 33B: Currency/Instructed Amount (If a conversion was made on your side)This amount is provided for information purposes and will be transported unchanged through the transaction chain.6. Field 36: Exchange RateThis field specifies the exchange rate used to convert the instructed amount specified in field 33B.This field must be present when a currency conversion has been performed on the Sender's side.7. Field 50a: Ordering CustomerThis field specifies the customer ordering the transaction.According to the Money Laundering Act, the complete name & address and account number (Option K), or other identification data (Option F) of the sender must be entered.Since October 29, 2007 the preferred option is FFormat field 50F:In option F the following line formats must be used:Line 1 (subfield Party /34x (Account Number)Identifier)Lines 2-5 (subfield 1!n/33x (Number)(Details)Name & Address)OrLine 1 (subfield Party 4!a/2!a/27x (Code)(Country Code)(Identifier)Identifier)Lines 2-5 (subfield 1!n/33x (Number)(Details)Name & Address)Codes:In option F, when subfield 1 Party Identifier is used with the (Code)(Country Code)(Identifier) format, one of the following codes must be used:ARNU Alien RegistrationNumber The code followed by a slash, '/' must be followed by the ISO country code, a slash, '/' and the Alien Registration NumberCCPT Passport Number The code followed by a slash, '/' must be followed by the ISO countrycode, a slash, '/' and the Passport Number.CUST CustomerIdentificationNumber The code followed by a slash, '/' must be followed by the ISO country code of the issuer of the number, a slash, '/', the issuer of the number, a slash, '/' and the Customer Identification Number.DRLC Driver's LicenseNumber The code followed by a slash, '/' must be followed by the ISO country code of the issuing authority, a slash, '/', the issuing authority, a slash, '/' and the Driver's License Number.EMPL Employer Number The code followed by a slash, '/' must be followed by the ISO countrycode of the registration authority, a slash, '/', the registration authority,a slash, '/' and the Employer Number.NIDN National IdentityNumber The code followed by a slash, '/' must be followed by the ISO country code, a slash, '/' and the National Identity Number.SOSE Social SecurityNumber The code followed by a slash, '/' must be followed by the ISO country code, a slash, '/' and the Social Security Number.TXID Tax IdentificationNumber The code followed by a slash, '/' must be followed by the ISO country code, a slash, '/' and the Tax Identification Number.In option F, each line of subfield 2 Name & Address when present must start with one of the following numbers:1 Name of theorderingcustomer The number followed by a slash, '/' must be followed by the name of the ordering customer (where it is recommended that the surname precedes given name(s)).2 Address Line The number followed by a slash, '/' must be followed by an Address Line(Address Line can be used to provide for example, street name and number,or building name).3 Country andTown The number followed by a slash, '/' must be followed by the ISO country code, a slash '/' and Town (Town can be complemented by postal code (for example zip), country subdivision (for example state, province, or county).4 Date of Birth The number followed by a slash, '/' must be followed by the Date of Birth in theYYYYMMDD format.5 Place of Birth The number followed by a slash, '/' must be followed by the ISO country code,a slash '/' and the Place of Birth.6 CustomerIdentificationNumber The number followed by a slash, '/' must be followed by the ISO country code of the issuer of the number, a slash, '/', the issuer of the number, a slash, '/' and the Customer Identification Number.7 National IdentityNumber The number followed by a slash, '/' must be followed by the ISO country code, a slash, '/' and the National IdentityNumber.8 AdditionalInformation The number followed by a slash, '/' is followed by information completing one of the following:the Identifier provided in subfield 1 (Party Identifier) used with the (Code)(Country Code)(Identifier) format.the Customer Identification Number provided in subfield 2 (Name & Address) with number 6.the National Identity Number provided in subfield 2 (Name & Address) with number 7.NETWORK VALIDATED RULESIdentifier Code must be a registered BIC or BEI.In option F, subfield 1 (Party Identifier) used with the (Code)(Country Code)(Identifier) format: Country Code must be a valid ISO country code.In option F, subfield 2 (Name & Address):The first line must start with number 1.Numbers must appear in numerical order.Number 2 must not be used without number 3.Number 4 must not be used without number 5 and vice versa.Number 4 must be followed by a valid date in the format YYYYMMDD and this date, local to the sender, must not be later than the date on which the message is successfully sent to SWIFT.Numbers 3, 5, 6 and 7 must be followed by a valid ISO country code, a slash '/' and additional Details.Numbers 3, 4, 5, 6, 7 and 8 must not be repeated.The use of number 8 is only allowed in the following instances:o to continue information on the Identifier of the ordering customer provided in subfield 1 (Party Identifier) used with the (Code)(Country Code)(Identifier) format.o to continue information on the Customer Identification Number provided in subfield 2 (Name & Address) following number 6.o to continue information on the National Identity Number provided in subfield 2 (Name & Address) following number 7. USAGE RULESIf the account number of the ordering customer is present, it must be stated in Account.In option F, subfield 2 (Name & Address): Numbers 1 and 2 may be repeated.In option F, subfield 1 (Party Identifier) used with the (Code)(Country Code)(Identifier) format: if additional space is required for providing the Identifier of the ordering customer, one of the following options must be used:1. First option (preferred): Identify the ordering customer with a different identifier wherethe length is not an issue.2. Second option: Continue the information in subfield 2 (Name & Address) usingnumber 8.In option F, subfield 2 (Name & Address): if additional space is required for providing the Customer Identification Number (number 6) or the National Identity Number (number 7) ofthe ordering customer, one of the following options must be used:1. First option (preferred): Identify the ordering customer with a different identifier wherethe length is not an issue.2. Second option: Continue the information in subfield 2 (Name & Address) usingnumber 8.ExamplesOption F - Example 1:50F:/123456781/SMITH JOHN2/299, PARK AVENUE3/US/NEW YORK, NY 10017Option F - Example 2:50F:/BE300012163714111/PHILIPS MARK4/197208305/BE/BRUSSELSOption F - Example 3:50F:DRLC/BE/BRUSSELS/NB09490421/DUPONT JACQUES2/HIGH STREET 6, APT 6C3/BE/BRUSSELSOption F - Example 4:50F:NIDN/DE/1212312343421/MANN GEORG6/DE/ABC BANK/1234578293Option F - Example 5:50F:CUST/DE/ABC BANK/123456789/8-1234561/MANN GEORG2/LOW STREET 73/DE/FRANKFURT8/7890This means that the customer identification number of Mann Georg assigned by ABC Bank is 123456789/8-1234567890. References: SWIFTStandards 8. Field 52a: Ordering InstitutionThis field specifies the ordering institution if other than your Bank.The BIC must be a SWIFT registered address.Option A is the preferred option.Option D should only be used if the ordering financial institution has no BIC.9. Field 53B: Sender's CorrespondentThis field specifies the account to which the payment has to be debited.10. Field 56a: Intermediary InstitutionThis field identifies the correspondent bank of the account with institution if other than VTB Bank.The BIC must be a SWIFT registered address.Option A must be used whenever possible.Option C Party Identifier may be used to indicate a national clearing system code,Important: Option C with clearing code other than DE will be forwarded withoutChecking11. Field 57a: Account with InstitutionThis field identifies the financial institution, if other than VTB Bank, which will pay or credit the beneficiary institution.The BIC must be a SWIFT registered address.Option A must be used whenever possible.Option D must only be used in exceptional circumstances, e.g., if the party cannot be identified by a BIC.Option C Party Identifier may be used to indicate a national clearing system code.Option C with clearing code other than DE will be forwarded withoutchecking.12. Field 59a: Beneficiary CustomerThis field specifies the customer who will be paid.At least the account number, name, full address or the BEI (Business Entity Identifier) of the beneficiary customer is mandatory.13. Field 70: Remittance InformationThis 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.The information specified in this field is intended only for the beneficiary customer.We do not read its content.14. Field 71A: Details of ChargesThis field specifies which party will bear the charges for the transaction.One of the following codes must be used:BEN/SHA All transaction charges are to be borne by the beneficiary customer.SHA or OUR and /SPLIT/ In Field 72 causes charges will be debited to your account, all the other to the beneficiary‘s account.OUR All transaction charges are to be borne by the ordering customer.15. Field 71F: Sender's ChargesThis repetitive field specifies the currency and amount of the transaction charges deducted by you and by previous banks in the transaction chain.These fields are conveyed for transparency reasons.The net amount after deduction of the Sender's charges will be quoted as the inter-bank settled amount in field 32A. 16. Field 72: Sender to Receiver InformationThis field specifies additional information for the Receiver of the payment order or another party identified in the field. Codes:Please be informed that the usage of this codes (except ‘INS’) will cause Third Bank / REPAIR Charges.ACC Instructions following are for the account with institution.INS The institution which instructed the Sender to execute the transaction.INT Instructions following are for the intermediary institution.REC Instructions following are for the Receiver of the message.Field 72 must in no case be used for information for which another field is intended.Codes must be placed between slashes and at the beginning of a line. Additional explanatory information, which may be continued in the next lines, is preceded by a double slash '//'.16A. Field 72: Special OWHBDEFF Code/SPLIT/ + Field 71A = SHA or OUR = Charges of ordering customer institution to bepaid by ordering customer, all other charges to be paid by beneficiary.No REPAIR Charges will apply.。