ValidateFin

MT940 — overdrawn account (debit balances)

An overdrawn account: both the opening and the closing balance carry the D (debit) marker. A negative balance is not a negative number in MT940 — it is a sign flag, and code that ignores it reports the overdraft as a credit.

SWIFT MT940 — Valid

An overdrawn account: both the opening and the closing balance carry the D (debit) marker. A negative balance is not a negative number in MT940 — it is a sign flag, and code that ignores it reports the overdraft as a credit.

SWIFT MT940 statement SWIFT MT940 SWIFT MT940Expected result: Valid

What this file shows

An overdrawn account: both the opening and the closing balance carry the D (debit) marker. A negative balance is not a negative number in MT940 — it is a sign flag, and code that ignores it reports the overdraft as a credit.

Last verified: License: CC-BY-4.0
Download the file Open the matching validator

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

:20:OVERDRAWN
:25:DE44500105175407324931
:28C:50/1
:60F:D240501EUR500,00
:61:2405020502D250,00NDDTNONREF
:86:Loyer
:61:2405030503C100,00NTRFNONREF
:86:Remboursement
:62F:D240503EUR650,00
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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.

SWIFT MT940 statement

All sample fileshttps://validatefin.com/samples/mt940/06-overdrawn-account.sta