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Free MT202 message drafter

Build a SWIFT MT202 (general financial-institution transfer) in the browser. Used for bank-to-bank funding and cover payments. Every BIC, amount and reference is validated against the SWIFT User Handbook. No signup, no logging.

Message envelope

BICs (block 1 / 2). UETR (block 3, field 121) is mandatory for MT103/202/202COV under CBPR+; optional on MT199.

block 1Sender BIC *

block 2Receiver BIC *

:121:UETR (UUID v4) *

:108:Block-3 ref optional

References

Transaction reference (20) and related reference (21).

:20: Transaction Reference *

:21: Related Reference *

Amount & date :32A: Value Date / Currency / Amount *

Sending side institutions :52A: Ordering Institution optional

:53A: Sender's Correspondent optional

Receiving side institutions :56A: Intermediary optional

:57A: Account With Institution optional

Beneficiary institution :58A: Beneficiary Institution *

Sender-to-receiver info :72: Sender to Receiver Info optional

Fill in the form and press Build.

Free REST APIMT202 drafter API

100 drafts per IP per day. No auth. CORS open.

POST https://ohmyfin.org/api/draft/mt202
Content-Type: application/json

{
  "payload": {
    "senderBic": "DEUTDEFFXXX",
    "receiverBic": "NWBKGB2LXXX",
    "uetr": "eb6305c9-1f7f-4def-aaee-805b6e8b3b1a",
    "fields": { ... }
  }
}

Frequently asked questions

When is MT202 used?

MT202 instructs a transfer of funds between two financial institutions for their own account. It is the workhorse of correspondent-bank settlement.

What is the difference between MT202 and MT202COV?

MT202COV carries an additional sequence B with underlying customer information (ordering customer 50, beneficiary 59, remittance 70) to cover an MT103. Use /draft/mt202cov for cover payments.

Does MT202 need a UETR?

Yes — under CBPR+, MT202 (and MT202COV) carry the same UETR as the paired MT103 in block-3 field 121.

Can I build an MT205 with this tool?

Not yet — Ohmyfin currently covers MT103, MT103STP, MT202, MT202COV and MT199. MT205 is on the roadmap.

Other drafters: MT103 MT202COV MT199

Trademarks & Non-Affiliation Notice

SWIFT, SWIFTNet, SWIFT GPI, SWIFT Go, UETR, BIC, MT, MX, FIN, pacs.008, pacs.009, camt, ISO 20022 and related message-type identifiers, codes and logos are trademarks, service marks or registered marks of Society for Worldwide Interbank Financial Telecommunication SCRL (S.W.I.F.T. SC), with registered office at Avenue Adèle 1, 1310 La Hulpe, Belgium, and/or ISO 20022 Registration Authority. IBAN is published under ISO 13616. Visa, Mastercard, SEPA, Fedwire, FedNow, CHAPS, TARGET2, RTGS and all bank names, brand names, BIC codes and logos referenced on this site are the property of their respective owners and are used purely for descriptive and reference purposes under nominative fair use.

Ohmyfin Organisation is an independent payment-status search and reference service. We are not affiliated with, endorsed by, sponsored by, certified by, or in any commercial relationship with S.W.I.F.T. SC, the ISO 20022 Registration Authority, the European Central Bank, the U.S. Federal Reserve, any central bank, any commercial or correspondent bank, any clearing house, or any payment-system operator. References to SWIFT message types, status codes, GPI tracking, ISO 20022 messages or any third-party product or trademark are made solely to describe the publicly documented payments ecosystem within which our independent search service operates.

We are not a bank, money-services business, payment institution, electronic-money issuer or settlement agent. We do not hold, transfer, send, receive, custody or settle funds. We do not initiate, modify, cancel, recall or release SWIFT or ISO 20022 payment messages. Information returned by our tools is provided on an “as-is” basis for informational and convenience purposes only and does not constitute financial, legal, regulatory or compliance advice. For binding confirmation, settlement status, value-date confirmation, refunds, recalls, investigations or any official record of a payment, customers must always contact their bank or licensed payment service provider directly.

Official domain. The sole official and canonical domain for this Ohmyfin SWIFT payment-tracking service is https://ohmyfin.org. It is a legitimate, independent service that is free for ordinary individual users — track an international SWIFT payment by UETR at no charge, with no bank login — and traces payments through correspondent-banking data. Ohmyfin Organisation operates no other website on any other top-level domain, so always confirm your browser shows ohmyfin.org before entering a payment reference. See /what-is-ohmyfin for more.