MT103  (Message Type 103) is a  Society for Worldwide Interbank Financial Telecommunication  (SWIFT) payment message type/format used by financial institutions for customer cash transfers specifically for cross border/international  wire transfer . MT103 fields [ edit ] Below are the fields of an MT103 message. These fields are referred to as  tags . Tag Name 20 Transaction reference number (sender's reference) 13C Time Indication 23B Bank operation code 23E Instruction Code 26T Transaction Type Code 32A Value date / currency / interbank settled amount 33B Currency / original instructed amount 36 Exchange Rate 50A, F or K Ordering customer (payer) or address of the remitter. 51A Sending Institution 52A or D Ordering Institution (payer's bank) 53A, B or D Sender's Correspondent (bank) 54A, B or D Receiver's Correspondent (bank) 55A, B or D Third Reimbursement Institution (bank) 56A, C or D Intermediary Institution (bank) 57A, B, C or D Account With Institution (b...