Free Format SWIFT Messages

This SWIFT message type is normally used by financial institutions to send information for which another message type is not applicable.

MT199: Free Format Message

A Swift Message Type 199 Is A Interbank Message Used Between Two Banks To Transmit The Value Of A Bond Or An Skr Or A Free Format Message Engaging 2 Banks Readyness To Move Forward With A Transaction. Usually A Private One.
A Mt199 Swift Message Is Easily Explained As A “Chat” Message.

Basically You Use This Format
***When A Transfer Order Has Been Sent And You Want To “Notify” The Beneficiary Bank In Order To Sort Out Something,
***Or To Find Out If Funds Have Been Applied,
***Or Basic Other Info.

MT-199 - Free Format Message. This message type is normally used by financial institutions to send information for which another message type is not applicable. It can be used as a status message to report reasons for a transaction instruction not being executed or as a message to reject a transaction.

So Basically, A Mt199 Is One Banker Or Security Officer “Talking” To Another.

MT799: Free Format Message

The MT-799 is a free format SWIFT message type in which a banking institution confirm‍s that funds are in place to cover a potential trade.

This can, on occasion, be used as an irrevocable undertaking, depending on the language used in the MT-799, but is not a promise to pay or any form of bank guarantee in its standard format.The function of the MT-799 is simply to assure the seller that the buyer does have the necessary funds to complete the trade.


MT-799 - is a simple text message, sent bank to bank. This is used for a bank to bank proof of funds, only. The MT799 is not a form of payment and it is not a bank undertaking or promise to pay. It is simply a bank to bank confirmation of the funds on deposit, nothing more.

MT760: Guarantee


The MT-760 is a type of SWIFT message , it functions much like a Bank Guarantee.

Essentially, a MT-760 is a SWIFT message which guarantees that a Bank will make Payment in favor of a client of another Bank. When a MT-760 is issued, the issuing Bank puts a hold on its client's funds, thereby ensuring that the funds are in place to make Payment to the recipient of the MT-760.

MT103: Single Customer Credit Transfer - Core
MT103+: Single Customer Credit Transfer - STP
MT103R: Single Customer Credit Transfer - Remit


MT-103 - SWIFT MT-103’s are the most commonly used form of SWIFT communication, and are normally used to make payment to customers of another bank in another country.
Whilst the MT103 is a standard message format, much of the content is flexible as banks have differing requirements as to the information they require to process payments.
In order for an MT103 and MT103+ message to be correctly interpreted by the receiving bank, the bank details contained within the file including IBAN and BIC details must be correct, in order for the transfer to take place correctly. 

SWIFT MT List 2013
SWIFT MT List 2013.pdf
Adobe Acrobat Dokument 129.3 KB

Quellen - Sources:

Im-Ex GmbH

Fasanenstr. 18

82008 Unterhaching

(Kreis München)



Tel.: +49 (0)8954312458

Mobile P.: +49 (0)174/1852292


Skype: imex2011



Ioannis Chatzigiangos


USt-ID: DE 275782158


Amtsgericht München HRB: 190278

Steuernummer: 9143/14900902