GLOBAL PAYMENTS KNOWLEDGEISO 20022 / SWIFT / SEPA / MT / MX

ANNOTATED SAMPLE

MT900 debit confirmation

A fictional single-entry debit advice.

Contributor Shubham Mathure19 July 2026

Illustrative, non-production example. Values are fictional and the message is not validated for any specific network, scheme, or implementation guide.

EVIDENCE AT ARM'S REACH

DOWNLOAD AND GOVERNING SOURCES

Download the canonical fictional sample, then open the exact official definition and profile needed for implementation testing.

An XSD checks XML structure. A usage guideline adds profile rules, conditional fields, code restrictions, and business controls. XSD-valid does not mean scheme-compliant.

Usage guidelineSwift MTcurrent

Swift Standards MT release material

The annual MT standard and release information. Full field specifications may require an authenticated Swift account.

Owner: Swift
Checked: 2026-07-18
Access: Login required · Swift login and the organisation's permissions may be required.

OPEN OFFICIAL SOURCE

Teaching sampleScheme-neutral teachingcurrent

MT900 debit confirmation — raw FIN

A fictional single-entry debit advice. SYNTHETIC / TRAINING ONLY; illustrative unvalidated.

Owner: Payments Signal
Checked: 2026-07-19
Integrity: crc32:30dc40c8
Access: Payments Signal download · Original fictional teaching sample; no login required.

Lifecycle packScheme-neutral teachingcurrent

MT legacy and migration lifecycle — ZIP pack

Initiation, serial and cover context, cancellation and correspondence, advices, and statements.

Owner: Payments Signal
Checked: 2026-07-19
Integrity: crc32:8b3a20e4
Access: Payments Signal download · Original fictional teaching pack; no login required.

MappingCBPR+current

MT900 → camt.054 implementation mapping

Field correspondence, transformation treatment, and data-loss notes for Single debit advice compared with a structured bank-to-customer debit/credit notification.

Owner: Payments Signal
Checked: 2026-07-19
Integrity: crc32:96b16a98
Access: Payments Signal download · Original, source-backed teaching asset; no login required.

Field matrixBase ISO 20022current

MT900 field matrix

Curated field requirements, contexts, operational meaning, and implementation cautions.

Owner: Payments Signal
Checked: 2026-07-19
Integrity: crc32:cbc473d4
Access: Payments Signal download · Original, source-backed teaching asset; no login required.

 1{1:F01DEMOGB2LAXXX0000000000}
 2{2:I900DEMODEFFXXXXN}
 3{4:
 4
 5
 6
 7
 8:52A:DEMOGB2LXXX
 9:72:/ACC/DEMO CORPORATE PAYMENT
10-}

EVERY ANNOTATED FIELD

:20: Transaction reference — mandatory: Reference assigned to this debit confirmation.
:21: Related reference — mandatory: Reference of the payment or instruction that produced the debit.
:25: Account identification — mandatory: Account that was debited.
:32A: Value date, currency, amount — mandatory: When the debit has value and for how much.
:52a: Ordering institution — optional: Institution whose instruction produced the debit where relevant.
:72: Sender-to-receiver information — optional: Additional bank-to-bank information about the entry.

FULL MT900 REFERENCE →

COMMUNITY SIGNAL

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