Reports balances for an account at a point during the day without providing the full transaction detail of an MT942. It supports cash positioning and liquidity decisions.
DIRECTION: Sent by the account servicing institution to the account owner or an authorised recipient under an agreed intraday reporting service.
Version + profile: MT941 follows the applicable Standards MT release and service rules. This page is a curated field subset; bilateral practice and annual standards changes can alter permitted content and handling.
EVIDENCE AT ARM'S REACH
Start with the exact message version, then apply the scheme or network profile that governs your implementation.
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.
The annual MT standard and release information. Full field specifications may require an authenticated Swift account.
A fictional intraday balance report. SYNTHETIC / TRAINING ONLY; illustrative unvalidated.
crc32:840c7d82Initiation, serial and cover context, cancellation and correspondence, advices, and statements.
crc32:8b3a20e4Field correspondence, transformation treatment, and data-loss notes for Intraday balance reporting migration.
crc32:739da5e8Curated field requirements, contexts, operational meaning, and implementation cautions.
crc32:04be2398Curated teaching subset. The complete MT941 definition and bilateral service agreement control balance types, timing, and field options.
| FIELD | NAME | PRESENCE | WHAT IT MEANS |
|---|---|---|---|
:20: | Transaction reference | MANDATORY | Reference for this balance report. |
:21: | Related reference | MANDATORY | Reference to the request or service event where applicable. |
:25: | Account identification | MANDATORY | Account whose balances are reported. |
:28C: | Statement and sequence number | MANDATORY | Sequence used to order reports. |
:60F: | Opening balance | MANDATORY | Booked balance at the reporting start point. |
:64: | Closing available balance | OPTIONAL | Amount available for use, which can differ from booked balance. |
The whole MT941 laid out as a parent-child tree: every field in its nesting, with a sample value and what it means. Expand a branch to drill in. Values are fictional (SYNTHETIC / TRAINING ONLY); this is a curated practitioner view, not the full schema.
Block 1F01DEMOGB2LAXXX0000000000MandatoryBasic header — identifies the sender and the session (application id, service id, the sender's logical-terminal address built on its BIC, session and sequence numbers).Block 2I941DEMODEFFXXXXNMandatoryApplication header — the message type, the counterparty address, whether it is input or output, and the priority.Block 4—MandatoryText — the business content, as numbered :tag: fields. The only block whose shape changes by message type.:20:DEMO-MT941-001MandatoryReference for this balance report.:20:DEMO20260712:21:NONREFMandatoryReference to the request or service event where applicable.:25:DE02120300000000202051MandatoryAccount whose balances are reported.:28C:198/3MandatorySequence used to order reports.:60F:C260718EUR50000,00MandatoryBooked balance at the reporting start point.:64:C260718EUR48750,00OptionalAmount available for use, which can differ from booked balance.ISO 20022 Catalogue of messages ↗ — ISO 20022 Registration Authority · pain/pacs/camt message-definition elements
Each message set is described by a Message Definition Report; earlier versions remain available in the ISO 20022 messages archive.
Cross-Border Payments and Reporting Plus (CBPR+) usage guidelines ↗ — Swift (CBPR+ working group) · cross-border agent chain and structured-data usage
Full guidelines require MyStandards access. Public guidance states that after 14 November 2026 fully unstructured addresses are removed for in-scope CBPR+ traffic, with explicit message exceptions including admi.024, camt.025, camt.052, camt.053, camt.054 and camt.060.
Swift Standards MT (annual standards releases) ↗ — Swift · FIN block structure
Full field-level specifications live in the Swift Knowledge Centre User Handbook behind a swift.com login. Coexistence for in-scope FI-to-FI payment instructions ended on 22 November 2025, but treatment differs by MT: some instructions are NAKed and selected messages can enter temporary, chargeable contingency conversion. Reporting, initiation, investigations and correspondence follow separate roadmaps.
Payments Signal editorial teaching models — Payments Signal
What this simplifies: One-line plain-language descriptions of the commonly-populated elements — a practitioner view, not the authoritative ISO 20022 / MT schema, which defines many more optional elements.
Used wherever diagrams, scenarios, figures, or example values are didactic constructions rather than sourced facts; every such use carries a simplifications disclosure. All people, companies, banks, and list entries in examples are fictional.
Swift Standards MT (annual standards releases) ↗ — Swift · Category 9 — MT941 Balance Report
Full field-level specifications live in the Swift Knowledge Centre User Handbook behind a swift.com login. Coexistence for in-scope FI-to-FI payment instructions ended on 22 November 2025, but treatment differs by MT: some instructions are NAKed and selected messages can enter temporary, chargeable contingency conversion. Reporting, initiation, investigations and correspondence follow separate roadmaps.
Payments Signal editorial teaching models — Payments Signal
What this simplifies: One booked and one available balance are shown.
Used wherever diagrams, scenarios, figures, or example values are didactic constructions rather than sourced facts; every such use carries a simplifications disclosure. All people, companies, banks, and list entries in examples are fictional.
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