MT940 — USD account with an RD reversal
A US dollar statement — MT940 is not a euro format — in which an outgoing wire of 35,000.00 is returned the next day by an RD reversal: a REVERSED DEBIT is money coming back IN. The RC/RD marks flip the economic direction of the :61: line, and a parser that reads only the D of "RD" books the refund twice as a payment and never reconciles.
SWIFT MT940 — Valid
A US dollar statement — MT940 is not a euro format — in which an outgoing wire of 35,000.00 is returned the next day by an RD reversal: a REVERSED DEBIT is money coming back IN. The RC/RD marks flip the economic direction of the :61: line, and a parser that reads only the D of "RD" books the refund twice as a payment and never reconciles.
What this file shows
A US dollar statement — MT940 is not a euro format — in which an outgoing wire of 35,000.00 is returned the next day by an RD reversal: a REVERSED DEBIT is money coming back IN. The RC/RD marks flip the economic direction of the :61: line, and a parser that reads only the D of "RD" books the refund twice as a payment and never reconciles.
| Transactions | 3 |
|---|
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:USD-STMT-0042
:25:CITIUS33XXX/0037284159
:28C:00042/00001
:60F:C260710USD100000,00
:61:2607100710DR35000,00NTRFWIRE-OUT-9912//FEDW0001
:86:Outgoing wire Fabrikam Inc
:61:2607110711RD35000,00NRTIWIRE-OUT-9912//FEDW0002
:86:Reversal of outgoing wire - beneficiary account closed
:61:2607110711CR12500,50NTRFINV-2026-0810//FEDW0003
:86:Incoming wire Contoso LLC
:62F:C260711USD112500,50
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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
- MT940 — Rabobank / Deutsche Bank dialect
- MT940 — ING Belgium, structured :86:
- MT940 — Commerzbank, one-decimal amount
- MT940 — two statements in one file
- MT940 — reversal (RC) and intermediate balances
- MT940 — overdrawn account (debit balances)
- MT940 — closing balance does not reconcile
- MT940 — 500 transactions (load test)
- MT940 — statement split over two pages (62M / 60M)