MT103 file format

Field name IAT SDP IP SCT Format Contents

:20: Free format notes O O O O Alphanumeric (Max 16 characters)

:13C: Time indication O O O O Ignored by BIB if present

:23B: Bank operation code O O O O Ignored by BIB if present

:23E: Instruction code O O O O Ignored by BIB if present

:26T: Transaction type code O O O O Ignored by BIB if present

:32A: Value date M M M M Numeric (Six characters) YYMMDD

Currency code M M M M Alpha (Three characters)

Payment amount M M M M Numeric (Max 14 characters followed by Decimal comma separator must always be
comma followed by max two decimal places) present, even if there are no decimals in the
specified currency.

:33B: Currency/instruction amount O O O O Ignored by BIB if present

:36: Exchange rate O O O O Ignored by BIB if present

:50: or :50A: Debit account C C C C Numeric (Eight characters) Field 53A can also be used as the debit account
field. At least one of them must be populated.
Can be preceded by a forward slash (/).

:50: or :50K: Ordering party details N/A O O O Line 1 – Optional Account Number preceded by
a slash (‘/’).
 Field name IAT SDP IP SCT Format Contents

Line 2 – Ordering Customer Name. Maximum of 35

characters. (For SCT maximum of 29 characters).
Lines 3-5 – Three lines of address. Maximum 35
characters per line. (For SCT two lines of address
with combined maximum of 34 characters).

:51A: Sending institution O O O O Ignored by BIB if present

:52A: Ordering institution O O O O Ignored by BIB if present

:53A: Sender’s correspondent C C C C Alphanumeric Debit account unless field 50A is present, in which case
53A is ignored.

:54A: Receiver’s correspondent O O O O Ignored by BIB if present

:55A: Third reimbursement institution O O O O Ignored by BIB if present

:56A: Intermediary institution O O O O Ignored by BIB if present

:57A: Swift code O O C M Alphanumeric Field may also be 57B, 57C or 57D. See Further
(Eight or 11 characters) information for additional details.

or National Clearing Code M M C N/A Two letter alphabetic code Precede NCC with double forward slash (//).
followed by numeric code

Beneficiary bank name O O C C Alphanumeric

(Max 35 characters)

Beneficiary bank address 1 O O C C Alphanumeric

(Max 35 characters)

Beneficiary bank address 2 O O O O Alphanumeric

(Max 35 characters)

Beneficiary bank address 3 O O C C Valid country

(Max 35 characters)

:59A: Beneficiary account number M M M M Alphanumeric Precede account number with single forward slash (/).
(Max 34 characters) For SCT this must be an IBAN.

Beneficiary name O M M M Alphanumeric

(Max 34 characters)

Beneficiary address 1 O O O O Alphanumeric

(Max 35 characters)

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 Field name IAT SDP IP SCT Format Contents

Beneficiary address 2 O O O O Alphanumeric

(Max 35 characters)

Beneficiary address 3 O O O O Valid country For SCT, if you provide details for Beneficiary Address
(Max 35 characters) fields, please provide the ISO country code or
country name.

:70: Payment reference O O O O Alphanumeric

(Up to four lines of max 35 characters)
(For SCT up to two lines of max
35 characters)

:71A: Charging instructions O O O O Alphabetic (Three characters) SHA, BEN or OUR. Can be preceded with a forward
slash (/).

:71F: Sender's charges O O O O Ignored by BIB if present

:71G: Receiver's charges O O O O Ignored by BIB if present

:72: Payment instructions O O O C Alphanumeric For deal numbers the following should be entered
(Up to six lines of max 35 characters) /REC/DEAL(deal number)-RATE(rate)
e.g /REC/DEAL1234567-RATE1.36
For SEPA Credit Transfers enter the following:
/REC/SCT
For debit narrative/customer reference the following
should be entered /DNAR/ (debit narrative/
customer reference). This can be a maximum of 16
alphanumerical characters.

:77B: Regulatory reporting Ignored by BIB if present

:77T: Envelope contents Ignored by BIB if present

– End of record marker

Key SHA – Shared charges (Remitter pays Barclays charge and beneficiary pays overseas charges)

M – Mandatory BEN – Beneficiary pays all charges

O – Optional OUR – Remitter pays all charges

C – Conditional (Dependant on data entered in other fields) SCT – SEPA Credit Transfer

NCC – National Clearing Code (Also referred to as a Routing Code)

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Further information:
Field 57(A, B, C or D formats) – BIB will validate the Swift code and complete the bank name
and address accordingly. If a National Clearing Code (also known as a routing code) is used, the
Beneficiary bank name and address should also be entered. The only exception to this is where
the payment is going to a UK sort code in which case the bank name and address are optional.
If neither the Swift code or National Clearing Code is known, the bank name and address
should be entered.

A format
Line 1 – NCC type and NCC preceded by double forward slash (//)

Line 2 – Swift code

Or

Line 1 – Swift code

B format
Line 1 – NCC type and NCC preceded by double forward slash (//)

C format
Line 1 – NCC type and NCC preceded by double forward slash (//)

D format
Line 1 – NCC type and NCC preceded by double forward slash (//)

Lines 2-5 – up to four lines of bank name and address, line five being a valid country

You can get this in Braille, large print or audio by calling 0800 400 100* (via Text Relay if appropriate) or by ordering online from barclays.co.uk/accessibleservices
*Lines are open 7 days a week, 7am to 11pm. To maintain a high quality of service we may monitor or record phone calls.
Barclays is a trading name of Barclays Bank PLC and its subsidiaries. Barclays Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 122702).
Registered in England. Registered number is 1026167 with registered office at 1 Churchill Place, London E14 5HP.
Item Ref: 9911327COM. October 2013. 4