MT103 — three defects a plain text viewer would miss
Structurally a perfectly readable MT103 — and wrong three times over: the UETR is not a version-4 UUID, the payment is cross-currency with no exchange rate in :36:, and the beneficiary IBAN fails its mod-97 check digits.
SWIFT MT103 — Valid
Structurally a perfectly readable MT103 — and wrong three times over: the UETR is not a version-4 UUID, the payment is cross-currency with no exchange rate in :36:, and the beneficiary IBAN fails its mod-97 check digits.
What this file shows
Structurally a perfectly readable MT103 — and wrong three times over: the UETR is not a version-4 UUID, the payment is cross-currency with no exchange rate in :36:, and the beneficiary IBAN fails its mod-97 check digits.
| Transactions | 1 |
|---|---|
| Total | $98,000.00 |
| Date in the file | 2026-06-30 |
The defects it carries
- UETRis not a valid version-4 UUID
- 36the exchange rate :36: is absent
- IBANfails the mod-97 check
Quoted verbatim from the validator, not paraphrased.
Every party, IBAN and amount below is fictitious. The IBANs are structurally valid — they pass the mod-97 check — but they belong to no real account.
File content
{1:F01CHASUS33AXXX0000000000}{2:I103PNBPUS3NXXXXN}{3:{103:TGT}{121:not-a-valid-uetr}}{4:
:20:REF20260630777
:23B:CRED
:32A:260630USD98000,00
:33B:EUR89500,00
:50K:/4417820033
NORTHWIND MANUFACTURING INC
240 WEST 57TH STREET
NEW YORK NY 10019 US
:52A:CHASUS33XXX
:57A:PNBPUS3NXXX
:59:/DE89370400440532013001
PACIFIC COMPONENTS LLC
1355 MARKET STREET
SAN FRANCISCO CA 94103
:70:INVOICE 9001
:71A:SHA
-}{5:{MAC:00000000}{CHK:123456789ABC}}
How we know these results hold
Every file in this library is run through the site's own validator on each build. The expected result stated above is asserted by an automated test — if a file stopped matching what this page claims, the build would fail. Two inherited fixtures were repaired this way before publication: three IBANs failed the mod-97 check and several names used characters outside the basic SEPA character set.