MT103 — cross-currency customer credit transfer
A complete MT103: all five SWIFT blocks, a UETR, an option-K ordering customer, option-A agents and an IBAN beneficiary. Settled in USD, instructed in EUR — so field :36: (exchange rate) is required, and present.
SWIFT MT103 — Valid
A complete MT103: all five SWIFT blocks, a UETR, an option-K ordering customer, option-A agents and an IBAN beneficiary. Settled in USD, instructed in EUR — so field :36: (exchange rate) is required, and present.
What this file shows
A complete MT103: all five SWIFT blocks, a UETR, an option-K ordering customer, option-A agents and an IBAN beneficiary. Settled in USD, instructed in EUR — so field :36: (exchange rate) is required, and present.
| Transactions | 1 |
|---|---|
| Total | $125,000.00 |
| Date in the file | 2026-11-20 |
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}{121:7a56b2c4-1f3e-4d9a-b8e5-2c1a9f7d3b60}}{4:
:20:REF20261120001
:23B:CRED
:32A:261120USD125000,00
:33B:EUR114500,00
:36:1,0917
:50K:/4417820033
NORTHWIND MANUFACTURING INC
240 WEST 57TH STREET
NEW YORK NY 10019 US
:52A:CHASUS33XXX
:57A:PNBPUS3NXXX
:59:/DE89370400440532013000
PACIFIC COMPONENTS LLC
1355 MARKET STREET
SAN FRANCISCO CA 94103
:70:INVOICE 8842 Q4 COMPONENT DELIVERY
:71A:SHA
:72:/ACC/FUNDS FOR COMPONENT PURCHASE
-}{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.