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SWIFT ISO15022 Norm
Detailansicht für Nachricht MT104 - Lastschriften

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  Verwendung der Nachricht MT104

Conveys direct debit instructions or requests for direct debits between financial institutions

  Anwendungsfeld der Nachricht MT104

The MT 104 is used to convey customer direct debit instructions and can be:

  • sent by a non-financial institution account owner, or a party authorised by the account owner, to a financial institution to request the direct debit of the debtor's account with the receiver or with another financial institution, and subsequently to credit the creditor's account maintained by the receiver or one of its branches.
  • sent by the creditor's bank, or another financial institution, to the debtor's bank, or another financial institution, on behalf of the creditor/instructing party to order the debit of the debtor's account and to collect payment from this account.
  • sent by a non-financial institution account owner, or a party authorised by the account owner, to a forwarding financial institution to request the direct debit of the debtor's account and subsequently to credit the creditor's account serviced by a financial institution in another country.
  • sent between two financial institutions on behalf of a creditor/instructing party to request the direct debit of the debtor's account in the Receiver's country and subsequently to credit the creditor's account maintained by the Receiver or one of its branches.

  Struktur der Nachricht MT104

Sequenz A - General information  [ obligatorisch, nicht wiederholend ]
No.
Tag
Option
Name
Status
1
20 
 
Sender's Reference
M
2
21R
 
Customer Specified Reference
C
3
23E
 
Instruction Code
O
4
21E
 
Registration Reference
C
5
30 
 
Requested Execution Date
M
6
51A
 
Sending Institution
O
7
50a
C
Instructing Party
C
 
 
L
 
 
8
50a
A
Creditor
C
 
 
K
 
 
9
52a
A
Creditor's Bank
C
 
 
C
 
 
 
 
D
 
 
10
26T
 
Transaction Type Code
C
11
77B
 
Regulatory Reporting
C
12
71A
 
Details of Charges
C
13
72 
 
Sender to Receiver Information
C
Sequenz B - Transaction Details  [ obligatorisch, wiederholend ]
No.
Tag
Option
Name
Status
14
21 
 
Transaction Reference
M
15
23E
 
Instruction Code
C
16
21C
 
Mandate Reference
O
17
21D
 
Direct Debit Reference
O
18
21E
 
Registration Reference
C
19
32B
 
Currency and Transaction Amount
M
20
50a
C
Instructing Party
C
 
 
L
 
 
21
50a
A
Creditor
C
 
 
K
 
 
22
52a
A
Creditor's Bank
C
 
 
C
 
 
 
 
D
 
 
23
57a
A
Debtor's Bank
C
 
 
C
 
 
 
 
D
 
 
24
59A
 
Debtor
M
25
70 
 
Remittance Information
O
26
26T
 
Transaction Type Code
C
27
77B
 
Regulatory Reporting
C
28
33B
 
Currency/Original Ordered Amount
O
29
71A
 
Details of Charges
C
30
71F
 
Sender's Charges
C
31
71G
 
Receiver's Charges
C
32
36 
 
Exchange Rate
C
Sequenz C - Settlement Details  [ fakultativ, nicht wiederholend ]
No.
Tag
Option
Name
Status
33
32B
 
Currency and Settlement Amount
M
34
19 
 
Sum of Amounts
C
35
71F
 
Sum of Sender's Charges
C
36
71G
 
Sum of Receiver's Charges
C
37
53a
A
Sender's Correspondent
O
 
 
B
 
 
◄   MT103.STP - Überweisungsauftrag Bank an Kunde
MT105 - Umschlag für EDIFACT-Nachrichten   ►