Message Reference Guide: Category 9 - Cash Management and Customer Status

Standards
Category 9 - Cash Management and Customer Status
For Standards MT November 2021
Message Reference Guide

Standards Release Guide
This reference guide contains the category 9 message text standards, including a detailed description of the scope, the
format specifications, the rules, the guidelines, and the field specifications of each message type.
18 December 2020
Category 9 - Cash Management and Customer Status for Standards MT November 2021
Table of Contents
Introduction................................................................................................................................................. 3
Summary of Changes............................................................................................................................. 3
Category 9 Message Types........................................................................................................................ 4
Euro - Impact on Category Message Standards ........................................................................................7
MT 900 Confirmation of Debit .................................................................................................................... 8
MT 910 Confirmation of Credit ................................................................................................................... 9
MT 910 Scope ........................................................................................................................................ 9
MT 910 Format Specifications................................................................................................................ 9
MT 910 Network Validated Rules ........................................................................................................... 9
MT 910 Usage Rules.............................................................................................................................. 9
MT 910 Field Specifications ................................................................................................................. 10
MT 920 Request Message ....................................................................................................................... 20
MT 935 Rate Change Advice ................................................................................................................... 21
MT 940 Customer Statement Message....................................................................................................22
MT 941 Balance Report ........................................................................................................................... 23
MT 942 Interim Transaction Report..........................................................................................................24
MT 950 Statement Message .................................................................................................................... 25
MT 970 Netting Statement ....................................................................................................................... 26
MT 971 Netting Balance Report ............................................................................................................... 27
MT 972 Netting Interim Statement ........................................................................................................... 28
MT 973 Netting Request Message ........................................................................................................... 29
MT 985 Status Enquiry ............................................................................................................................. 30
MT 986 Status Report .............................................................................................................................. 31
MT 990 Advice of Charges, Interest and Other Adjustments ...................................................................32
MT 991 Request for Payment of Charges, Interest and Other Expenses ................................................33
MT 992 Request for Cancellation ............................................................................................................. 34
MT 995 Queries........................................................................................................................................ 35
MT 996 Answers ...................................................................................................................................... 36
MT 998 Proprietary Message ................................................................................................................... 37
MT 999 Free Format Message ................................................................................................................. 38
Glossary of Terms..................................................................................................................................... 39
Legal Notices............................................................................................................................................ 41
2 Message Reference Guide - Standards Release Guide

Introduction
Introduction
Summary of Changes
Added Message Types
None
Removed Message Types

None
Modified Message Types

MT 910 on page 9
18 December 2020 3
Category 9 Message Types

The following table lists all message types defined in category 9.
For each message type, there is a short description, an indicator whether the message type is
signed (Y or N), the maximum message length on input (2,000 or 10,000 characters), whether the
use of the message requires registration with SWIFT for use in a message user group (Y or N), and
whether value date ordering (VDO) can be requested for the message (Y/N). Value date ordering
criteria are described in the Standards MT General Information.
MT MT Name Purpose Signed (1) Max. MUG VDO

Length
900 Confirmation of Advises an account owner N 2,000 N N

Debit of a debit to its account
910 Confirmation of Advises an account owner N 2,000 N Y

Credit of a credit to its account
920 Request Requests the account N 2,000 N N

Message servicing institution to send
an MT 940, 941, 942 or 950
935 Rate Change Advises the Receiver of N 2,000 N N

Advice general rate change(s) and/
or rate change(s) which
applies to a specific
account other than a call/
notice loan/deposit account
940 Customer Provides balance and N 2,000 N N

Statement transaction details of an
Message account to a financial
institution on behalf of the
account owner
941 Balance Report Provides balance N 2,000 N N

information of an account to
a financial institution on
behalf of the account owner
942 Interim Provides balance and N 2,000 N N

Transaction transaction details of an
Report account, for a specified
period of time, to a financial
institution on behalf of the
account owner
950 Statement Provides balance and N 2,000 N N

Message transaction details of an
account to the account
owner
970 Netting Provides balance and N 2,000 N N

Statement transaction details of a
netting position as recorded
by a netting system

Category 9 Message Types
MT MT Name Purpose Signed (1) Max. MUG VDO

Length
971 Netting Balance Provides balance N 2,000 N N

Report information for specified
netting position(s)
972 Netting Interim Advises interim balance N 2,000 N N

Statement and transaction details of a
netting position as recorded
by a netting system
973 Netting Request Requests an MT 971 or 972 N 2,000 N N

Message containing the latest
available information
985 Status Enquiry Requests an MT 986 N 2,000 N N
986 Status Report Provides business related N 2,000 N N

information about a
customer or institution
990 Advice of Advises an account owner N 2,000 N N

Charges, Interest of charges, interest or other
and Other adjustments to its account
Adjustments
991 Request for Requests payment of N 2,000 N N

Payment of charges, interest or other
Charges, Interest expenses
and Other
Expenses
992 Request for Requests the Receiver to N 2,000 N N

Cancellation consider cancellation of the
message identified in the
request
995 Queries Requests information N 2,000 N N

relating to a previous
message or amendment to
a previous message
996 Answers Responds to an MT 995 N 2,000 N N

Queries or MT 992 Request
for Cancellation or other
messages where no
specific message type has
been provided for the
response
998 Proprietary Contains formats defined N 10,000 N N

Message and agreed to between
users and for those
messages not yet live
999 Free Format Contains information for N 2,000 N N

Message which no other message
type has been defined
(1) A Relationship Management Application (RMA) authorisation is required in order to sign a message.
18 December 2020 5
Note: A Message User Group (MUG), for the purposes of this book, is a group of users who have
voluntarily agreed to support the specified message type and have registered with SWIFT to send or
receive the specified message type. These messages are indicated in the preceding table in the
column MUG.
Registration is free of charge. To register to use one or more message types, submit a registration
request (Order Message User Group) through the forms available on www.swift.com > Ordering
& Support > Ordering > Order Products and Services > Message User Group (MUG).
To withdraw from a MUG, use the Terminate your MUG subscription request. These forms are
available at www.swift.com > Ordering & Support > Ordering > Terminate and deactivate >
Message User Group (MUG).
To get the list of other members of a particular MUG, please contact Support.

Euro - Impact on Category Message Standards
Euro - Impact on Category Message Standards

See the Standards MT General Information for full details of the Euro-Related Information (ERI)
and the impact on Standards MT message types.
18 December 2020 7
MT 900 Confirmation of Debit

This message type does not change in the Standards MT Release 2021.
Details of this message are still available in the current version of the Standards MT documentation
on www.swift.com > Ordering & Support > Knowledge Centre (User Handbook).

MT 910 Confirmation of Credit
MT 910 Scope
This message is:
• sent by an account servicing institution to an account owner.
• sent by an account servicing institution to a party authorised by the account owner to receive
the information.
• sent by a concentrating financial institution to an account owner or a party authorised by the

account owner to receive the information.
It is used to notify the account owner of an entry which has been credited to its account. The entry
will be further confirmed by statement.
For use of messages in the corporate to bank environment, see the MT message implementation
guide for corporate customers available on www.swift.com.
MT 910 Format Specifications

Status Tag Field Name Content/Options No.
M 20 Transaction Reference Number 16x 1
M 21 Related Reference 16x 2
M 25a Account Identification No letter option or P 3
O 13D Date/Time Indication 6!n4!n1!x4!n 4
M 32A Value Date, Currency Code, Amount 6!n3!a15d 5
O 50a Ordering Customer A, F, or K 6
O 52a Ordering Institution A or D 7
O 56a Intermediary A or D 8
O 72 Sender to Receiver Information 6*35x 9
M = Mandatory, O = Optional - Network Validated Rules may apply
MT 910 Network Validated Rules

C1 Either field 50a or field 52a must be present (Error code(s): C06).
MT 910 Usage Rules

• This message type is not normally sent if statements for the account are frequently transmitted.
18 December 2020 9
• This message type does not normally result in any bookings. It is a confirmation to the Receiver
(account owner) of a credit to its account.
• Where a correspondent bank has received a cover payment and sends a confirmation of credit
(MT 910) to the Beneficiary Bank, the reference from field 21 of the inward payment message
must be passed on unchanged in field 21 of the MT 910 message.
MT 910 Field Specifications

1. Field 20: Transaction Reference Number
FORMAT
16x
PRESENCE
Mandatory
DEFINITION
This field specifies the reference assigned by the Sender to unambiguously identify the message.
NETWORK VALIDATED RULES
This field must not start or end with a slash '/' and must not contain two consecutive slashes '//'
(Error code(s): T26).
2. Field 21: Related Reference

FORMAT
16x
PRESENCE
Mandatory
DEFINITION
This field contains the reference for the account owner (Receiver), for example, field 21, from the
SWIFT message which resulted in this credit.
This field must not start or end with a slash '/' and must not contain two consecutive slashes '//'
USAGE RULES
This reference must be copied unchanged from the inward message that caused the credit on the
account, for example, field 20 of a received MT 103, or field 21 of the MT 202 (or MT 205) or MT

202 COV (or MT 205 COV) must be copied unchanged to this field.
3. Field 25a: Account Identification

FORMAT
No letter option 35x (Account)

Option P 35x (Account)
4!a2!a2!c[3!c] (Identifier Code)
PRESENCE
Mandatory
DEFINITION
This field identifies the account which has been credited and optionally the identifier code of the
account owner.
Identifier Code must be a registered BIC (Error code(s): T27,T28,T29,T45).
USAGE RULES
Option P must only be used if the Receiver of the message is not the account owner.
4. Field 13D: Date/Time Indication

FORMAT
Option D 6!n4!n1!x4!n (Date)(Time)(Sign)(Offset)
PRESENCE
Optional
DEFINITION
This field indicates the date, time and time zone when the entry is posted to the account, in the
books of the account servicing institution.
CODES
One of the following codes must be used in Sign (Error code(s): T15):
+ Plus The + sign.
- Minus The - sign.
Date must be a valid date expressed as YYMMDD (Error code(s): T50).
18 December 2020 11
Time must be a valid time expressed as HHMM (Error code(s): T38).
Time offset is expressed as 'HHMM', where the hour component, that is, 'HH', must be in the range
of 00 through 13, and the minute component, that is, 'MM' must be in the range of 00 through 59.
Any 'HH' or 'MM' component outside of these range checks will be disallowed (Error code(s): T16).
USAGE RULES
The time zone in which Time is expressed is to be identified by means of the offset against the
UTC (Coordinated Universal Time - ISO 8601).
5. Field 32A: Value Date, Currency Code, Amount

FORMAT
Option A 6!n3!a15d (Date)(Currency)(Amount)
PRESENCE
Mandatory
DEFINITION
This field specifies the value date, currency code and amount of the credit.
Date must be a valid date expressed as YYMMDD (Error code(s): T50).
Currency must be a valid ISO 4217 currency code (Error code(s): T52).
The integer part of Amount must contain at least one digit. The decimal comma ',' is mandatory and
is included in the maximum length. The number of digits following the comma must not exceed the
maximum number allowed for that specific currency as specified in ISO 4217 (Error code(s):
C03,T40,T43).
6. Field 50a: Ordering Customer

FORMAT
Option A [/34x] (Account)

Option F 35x (Party Identifier)
4*(1!n/33x) (Number/Name and Address)
Option K [/34x] (Account)
4*35x (Name and Address)
In option F, the following line formats must be used (Error code(s): T54):
Line 1 (subfield Party /34x (Account)

Identifier)

Lines 2-5 (subfield 1!n/33x (Number)(Details)

Number/Name and
Address)
Or
Line 1 (subfield Party 4!a/2!a/27x (Code)(Country Code)(Identifier)

Identifier)
Lines 2-5 (subfield 1!n/33x (Number)(Details)
Number/Name and
Address)
PRESENCE
Conditional (see rule C1)
DEFINITION
This field identifies the customer or financial institution (from a Category 1 Payment), which
originated the transaction resulting in this credit.
CODES
In option F, when Party Identifier is used with the (Code)(Country Code)(Identifier) format, one of
the following codes must be used in Code (Error code(s): T55):
ARNU Alien Registration The code followed by a slash, '/' must be followed by the ISO country
Number code, a slash, '/' and the Alien Registration Number.
CCPT Passport Number The code followed by a slash, '/' must be followed by the ISO country
code, a slash, '/' and the Passport Number.
CUST Customer The code followed by a slash, '/' must be followed by the ISO country
Identification code of the issuer of the number, a slash, '/', the issuer of the number,
Number a slash, '/' and the Customer Identification Number.
DRLC Driver's Licence The code followed by a slash, '/' must be followed by the ISO country
Number code of the issuing authority, a slash, '/', the issuing authority, a slash,
'/' and the Driver's Licence Number.
EMPL Employer Number The code followed by a slash, '/' must be followed by the ISO country
code of the registration authority, a slash, '/', the registration authority,
a slash, '/' and the Employer Number.
NIDN National Identity The code followed by a slash, '/' must be followed by the ISO country
Number code, a slash, '/' and the National Identity Number.
SOSE Social Security The code followed by a slash, '/' must be followed by the ISO country
Number code, a slash, '/' and the Social Security Number.
TXID Tax Identification The code followed by a slash, '/' must be followed by the ISO country
Number code, a slash, '/' and the Tax Identification Number.
CODES
In option F, Number must contain one of the following values (Error code(s): T56):
18 December 2020 13
1 Name of Ordering The number followed by a slash, '/' must be followed by the name of
Customer the ordering customer.
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 and Town The first occurrence of number 3 must be followed by a slash, '/', the
ISO country code and, optionally, additional details that are preceded
by a slash '/'.
Other occurrences of number 3 must be followed by a slash '/' and the
continuation of additional details.
Additional details can contain town, which can be complemented by
postal code (for example zip) and country subdivision (for example
state, province, or county). The country code and town should,
preferably, indicate the country and town of residence.
4 Date of Birth The number followed by a slash, '/' must be followed by the date of
birth in the YYYYMMDD 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 Customer The number followed by a slash, '/' must be followed by the ISO
Identification country code of the issuer of the number, a slash, '/', the issuer of the
Number number, a slash, '/' and the customer identification number.
7 National Identity The number followed by a slash, '/' must be followed by the ISO
Number country code, a slash, '/' and the national identity number.
8 Additional
Information The number followed by a slash, '/' is followed by information that
completes 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

and Address) with number 6.
• the national identity number provided in subfield 2 (Name and

Address) with number 7.
Identifier Code must be a registered BIC (Error code(s): T27,T28,T29,T45).
In option F, subfield 1 (Party Identifier) used with the (Code)(Country Code)(Identifier) format:
Country Code must be a valid ISO country code (Error code(s): T73).
In option F, subfield 2 (Name and Address):
• The first line must start with number 1 (Error code(s): T56).
• Numbers must appear in numerical order (Error code(s): T56).
• A line starting with number 3 must be present (Error code(s): T56).
• Number 2 must not be used without number 3 (Error code(s): T56).

• The first occurrence of number 3 must be followed by a valid ISO country code (Error code(s):
T73).
• Numbers 1, 2, and 3 may be repeated. The same number must not occur more than 2 times
• Number 4 must not be used without number 5 and vice versa (Error code(s): T56).
• 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 5, 6 and 7 must be followed by a valid ISO country code (Error code(s): T73), a slash
'/' and additional Details (Error code(s): T56).
• Numbers 4, 5, 6, 7 and 8 must not be repeated (Error code(s): T56).
• The use of number 8 is only allowed in the following instances (Error code(s): T56):
◦ to continue information on the Identifier of the ordering customer provided in subfield 1
(Party Identifier) used with the (Code)(Country Code)(Identifier) format.
◦ to continue information on the Customer Identification Number provided in subfield 2 (Name

and Address) following number 6.
◦ to continue information on the National Identity Number provided in subfield 2 (Name and
Address) following number 7.
USAGE RULES
If the account number is known, it must be stated in Account.
When option A is used, this field can only contain a financial institution BIC if the message that
caused the credit is a Category 1 message and a financial institution BIC was present in 50A
Ordering Customer.
In option F, subfield 2 (Name and Address): Numbers 1, 2 and 3 may be repeated.
In option F, subfield 2 (Name and Address): if number 2 is present, the first occurrence of number 3
must include the town in additional details.
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 where the length
is not an issue.
2. Second option: Continue the information in subfield 2 (Name and Address) using number 8.
In option F, subfield 2 (Name and Address): if additional space is required for providing the
Customer Identification Number (number 6) or the National Identity Number (number 7) of the
ordering customer, one of the following options must be used:
1. First option (preferred): Identify the ordering customer with a different identifier where the length
is not an issue.
2. Second option: Continue the information in subfield 2 (Name and Address) using number 8.
18 December 2020 15
When Chinese characters are necessary and when use is bilaterally agreed, the Chinese
Commercial Code e-table and guidelines must be followed as published in www.swift.com >
Standards > Document centre > Market Practice > Chinese Commercial Code eTable Information.
7. Field 52a: Ordering Institution

FORMAT
Option A [/1!a][/34x] (Party Identifier)

Option D [/1!a][/34x] (Party Identifier)
PRESENCE
Conditional (see rule C1)
DEFINITION
This field identifies the financial institution which originated the transaction resulting in this credit. If
field 50a is present, then this field identifies the financial institution of the ordering customer present
in the original transaction that resulted in this credit.
CODES
In option A, Party Identifier may be used to indicate a national clearing system code.
The following codes may be used, preceded by a double slash '//':
AT 5!n Austrian Bankleitzahl
AU 6!n Australian Bank State Branch (BSB) Code
BL 8!n German Bankleitzahl
CC 9!n Canadian Payments Association Payment Routing Number
CN 12..14n China National Advanced Payment System (CNAPS) Code
ES 8..9n Spanish Domestic Interbanking Code
FW without 9 digit code Pay by Fedwire
GR 7!n HEBIC (Hellenic Bank Identification Code)
HK 3!n Bank Code of Hong Kong
IE 6!n Irish National Clearing Code (NSC)
IN 11!c Indian Financial System Code (IFSC)
IT 10!n Italian Domestic Identification Code
PL 8!n Polish National Clearing Code (KNR)
PT 8!n Portuguese National Clearing Code
SC 6!n UK Domestic Sort Code

CODES
In option D, Party Identifier may be used to indicate a national clearing system code.
The following codes may be used, preceded by a double slash '//':
AT 5!n Austrian Bankleitzahl
AU 6!n Australian Bank State Branch (BSB) Code
BL 8!n German Bankleitzahl
CC 9!n Canadian Payments Association Payment Routing Number
CH 6!n CHIPS Universal Identifier
CN 12..14n China National Advanced Payment System (CNAPS) Code
CP 4!n CHIPS Participant Identifier
ES 8..9n Spanish Domestic Interbanking Code
FW 9!n Fedwire Routing Number
GR 7!n HEBIC (Hellenic Bank Identification Code)
HK 3!n Bank Code of Hong Kong
IE 6!n Irish National Clearing Code (NSC)
IN 11!c Indian Financial System Code (IFSC)
IT 10!n Italian Domestic Identification Code
PL 8!n Polish National Clearing Code (KNR)
PT 8!n Portuguese National Clearing Code
RU 9!n Russian Central Bank Identification Code
SC 6!n UK Domestic Sort Code
SW 3..5n Swiss Clearing Code (BC code)
SW 6!n Swiss Clearing Code (SIC code)
Identifier Code must be a registered financial institution BIC (Error code(s): T27,T28,T29,T45).
Identifier Code must be a financial institution BIC. This error code applies to all types of BICs
referenced in a FIN message including connected BICs, non-connected BICs, Masters, Synonyms,
Live destinations and Test & Training destinations (Error code(s): C05).
USAGE RULES
The coded information contained in field 52a must be meaningful to the Receiver of the message.
Option A is the preferred option.
Option D should only be used when the ordering financial institution has no BIC.
18 December 2020 17
8. Field 56a: Intermediary

FORMAT
Option A [/1!a][/34x] (Party Identifier)

Option D [/1!a][/34x] (Party Identifier)
PRESENCE
Optional
DEFINITION
This field identifies the financial institution from which the Sender received the funds, when other
than the ordering institution.
Identifier Code must be a registered financial institution BIC (Error code(s): T27,T28,T29,T45).
Identifier Code must be a financial institution BIC. This error code applies to all types of BICs
referenced in a FIN message including connected BICs, non-connected BICs, Masters, Synonyms,
Live destinations and Test & Training destinations (Error code(s): C05).
9. Field 72: Sender to Receiver Information

FORMAT
6*35x (Narrative)
In addition to narrative text, structured text with the following line formats may be used:
Line 1 /8c/[additional information] (Code)(Narrative)

Lines 2-6 [//continuation of additional information] (Narrative)
or or
[/8c/[additional information]] (Code)(Narrative)
PRESENCE
Optional
DEFINITION
This field contains additional information for the Receiver.
USAGE RULES
This field may contain information only, that is, no instructions may be included.
The structured format may be used for bilaterally agreed codes.

Additional explanatory information, which may be continued on the next lines, is preceded by a
double slash '//'.
This field may contain ERI to transport dual currencies, as explained in the chapter "Euro-Related
Information (ERI)" in the Standards MT General Information.
In order to comply with the EC-directive on cross border credit transfers, the optional code word
EXCH may be used to transport an exchange rate. In line with ERI, the code word EXCH is placed
between slashes, followed by the exchange rate, format 12d, and terminated with another slash.
18 December 2020 19
MT 920 Request Message


MT 935 Rate Change Advice
MT 935 Rate Change Advice

18 December 2020 21
MT 940 Customer Statement Message


MT 941 Balance Report
MT 941 Balance Report

18 December 2020 23
MT 942 Interim Transaction Report


MT 950 Statement Message
MT 950 Statement Message

18 December 2020 25
MT 970 Netting Statement


MT 971 Netting Balance Report
MT 971 Netting Balance Report

18 December 2020 27
MT 972 Netting Interim Statement


MT 973 Netting Request Message
MT 973 Netting Request Message

18 December 2020 29
MT 985 Status Enquiry


MT 986 Status Report
MT 986 Status Report

18 December 2020 31
MT 990 Advice of Charges, Interest and Other

Adjustments
See Category n - Common Group Messages, Chapter n90 Advice of Charges, Interest and Other
Adjustments for details concerning this message type.

MT 991 Request for Payment of Charges, Interest and Other Expenses
MT 991 Request for Payment of Charges, Interest and

Other Expenses
See Category n - Common Group Messages, Chapter n91 Request for Payment of Charges,
Interest and Other Expenses for details concerning this message type.
18 December 2020 33
MT 992 Request for Cancellation

See Category n - Common Group Messages, Chapter n92 Request for Cancellation for details
concerning this message type.

MT 995 Queries
MT 995 Queries
See Category n - Common Group Messages, Chapter n95 Queries for details concerning this
message type.
18 December 2020 35
MT 996 Answers
See Category n - Common Group Messages, Chapter n96 Answers for details concerning this
message type.

MT 998 Proprietary Message
MT 998 Proprietary Message

See Category n - Common Group Messages, Chapter n98 Proprietary Message for details
18 December 2020 37
MT 999 Free Format Message

See Category n - Common Group Messages, Chapter n99 Free Format Message for details

Glossary of Terms
Glossary of Terms
In addition to the definitions which appear in the Standards MT General Information, Glossary of
Terms, the following terms apply to Category 9 message types:
Account Servicing Institution A financial institution which is a depository for an account.
Account Servicing Institution's A reference assigned by the account servicing institution to identify the
Reference transaction. (This is the reference to which the account owner refers in
cases of inquiry to that financial institution.)
Available Balance The balance at the disposal of the account owner on the date specified.
The specific formula for the calculation of the balance is dependent upon
national, local, legal or bilateral agreement/conventions/requirements.
Available Funds Funds available for transfer or withdrawal in cash.
Bulking The practice of totalling the amounts of a number of transactions to

provide a single accounting entry.
Closing Available Balance Amount at the disposal of the account owner at the close of the statement
period.
Closing Balance Balance of entries posted to the account at the close of the statement
period.
Concentrating Institution A financial institution authorised by the account owner to receive, collate
and report status and movement information on behalf of the account
owner.
Credit Advice An advice by the account servicing institution of a credit to the account of
the Receiver (Account Owner). This advice must not be used to transmit
payment instructions.
Debit Advice An advice by the account servicing institution of a debit to the account of
the Receiver (Account Owner).
Due From Account See 'Nostro Account'.
Due To Account See 'Vostro Account'.
ECU Netting System A multi-lateral payment netting service operated by SWIFT/SSP on behalf
of the ECU Banking Association, with settlement through the Bank for
International Settlement.
Enquired Party The individual or institution about which information is requested or

provided.
Entry Any debit or credit item posted to an account.
Entry Date Date on which entries are made in the records of an account.
Forward Available Balance The balance of the booked items that will be available to the account
owner on a specified future date.
Immediate Funds Same day funds in which the settlement is simultaneous with execution of
the transaction.
18 December 2020 39
Intermediary The financial institution from which an account servicing institution

receives funds for an Account Owner.
Intermediate Closing Balance Balance of entries posted to the account as reflected in the statement
'page' (message) of a statement consisting of multiple 'page' (messages).
Intermediate Opening Balance Intermediate closing balance as reflected in the previous statement 'page'
(message) of a statement consisting of multiple 'pages' (messages).
Lockbox A financial service provided for the rapid collection of a customer's

receivables and rapid credit to the customer's account.
Loro Account See 'Vostro Account'
Netting Balance The balance of entries posted to a netting position by a netting system.
Netting Position The record of entries processed by a netting system on behalf of a

financial institution.
Nostro Account A record kept by an account owner of an account serviced on its behalf by
an Account Servicing Institution. It is also known as a Due From account.
Opening Balance Closing balance of the previous statement.
Reference for the account The reference which identifies the transaction to the Account Owner.
owner
Reference for the Beneficiary See 'Reference for the Account Owner'.
Reporting Bank The bank transmitting the information about accounts serviced by them.
Statement Line Information related to one entry in a statement message.
Statement Number A number for the sequential identification of statements. It may have a
subfield indicating the 'page' number.
Vostro Account An account serviced by a bank on behalf of an account owner Bank. It is

also known as a Loro Account or Due To Account.

Legal Notices
Legal Notices
Copyright
SWIFT © 2020. All rights reserved.
Disclaimer
This publication constitutes advance information only and is not to be considered the final and complete standards
documentation for the subject matter published herein.
The information in this publication may change from time to time. You must always refer to the latest available version.
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Message Reference Guide: Category 9 - Cash Management and Customer Status

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Message Reference Guide: Category 9 - Cash Management and Customer Status

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Standards

Category 9 - Cash Management and Customer Status

For Standards MT November 2021

Message Reference Guide

2 Message Reference Guide - Standards Release Guide

Removed Message Types

Modified Message Types

Category 9 Message Types

MT MT Name Purpose Signed (1) Max. MUG VDO

900 Confirmation of Advises an account owner N 2,000 N N

910 Confirmation of Advises an account owner N 2,000 N Y

920 Request Requests the account N 2,000 N N

935 Rate Change Advises the Receiver of N 2,000 N N

940 Customer Provides balance and N 2,000 N N

941 Balance Report Provides balance N 2,000 N N

942 Interim Provides balance and N 2,000 N N

950 Statement Provides balance and N 2,000 N N

970 Netting Provides balance and N 2,000 N N

4 Message Reference Guide - Standards Release Guide

MT MT Name Purpose Signed (1) Max. MUG VDO

971 Netting Balance Provides balance N 2,000 N N

972 Netting Interim Advises interim balance N 2,000 N N

973 Netting Request Requests an MT 971 or 972 N 2,000 N N

985 Status Enquiry Requests an MT 986 N 2,000 N N

986 Status Report Provides business related N 2,000 N N

990 Advice of Advises an account owner N 2,000 N N

991 Request for Requests payment of N 2,000 N N

992 Request for Requests the Receiver to N 2,000 N N

995 Queries Requests information N 2,000 N N

996 Answers Responds to an MT 995 N 2,000 N N

998 Proprietary Contains formats defined N 10,000 N N

999 Free Format Contains information for N 2,000 N N

6 Message Reference Guide - Standards Release Guide

Euro - Impact on Category Message Standards

MT 900 Confirmation of Debit

8 Message Reference Guide - Standards Release Guide

MT 910 Confirmation of Credit

• sent by an account servicing institution to an account owner.

• sent by a concentrating financial institution to an account owner or a party authorised by the

MT 910 Format Specifications

M 20 Transaction Reference Number 16x 1

M 21 Related Reference 16x 2

M 25a Account Identification No letter option or P 3

O 13D Date/Time Indication 6!n4!n1!x4!n 4

M 32A Value Date, Currency Code, Amount 6!n3!a15d 5

O 50a Ordering Customer A, F, or K 6

O 52a Ordering Institution A or D 7

O 72 Sender to Receiver Information 6*35x 9

M = Mandatory, O = Optional - Network Validated Rules may apply

MT 910 Network Validated Rules

MT 910 Usage Rules

MT 910 Field Specifications

NETWORK VALIDATED RULES

2. Field 21: Related Reference

NETWORK VALIDATED RULES

10 Message Reference Guide - Standards Release Guide

3. Field 25a: Account Identification

No letter option 35x (Account)

NETWORK VALIDATED RULES