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Free MT202COV message drafter

Build a SWIFT MT202COV (cover payment) in the browser. The cover sequence B carries the underlying ordering customer and beneficiary so correspondents can run sanctions screening on the real parties, not just the paying banks. Every field is validated; the output is a real 4-block FIN message.

Message envelope

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

References
Amount & date
Sending side institutions
Receiving side institutions
Beneficiary institution
Cover — underlying ordering customer

Sequence B — required so correspondents can screen the real parties.

Cover — underlying beneficiary customer
Cover — underlying remittance info
Sender-to-receiver info

Fill in the form and press Build.

    
    
    
    
    
      
    Free REST APIMT202COV drafter API
    
      
    100 drafts per IP per day. No auth. CORS open.
    
      
    POST https://ohmyfin.org/api/draft/mt202cov
Content-Type: application/json

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

    


    
  
    Frequently asked questions
    
  
    Why does MT202COV exist?
    After the 2009 Wolfsberg / FATF push for end-to-end transparency in cover payments, SWIFT introduced MT202COV so the underlying ordering customer and beneficiary travel with the cover funds. Banks need this to screen the real parties for sanctions and AML, not just the paying institutions.
    What sequence B fields are mandatory?
    Field 50A (underlying ordering customer) and field 59 (underlying beneficiary customer) are mandatory in sequence B. Field 70 (underlying remittance info) is optional.
    Must the UETR match the paired MT103?
    Yes — the MT202COV and its matched MT103 must carry the same UETR in block-3 field 121 for end-to-end tracking.
    Can MT202COV replace MT103?
    No. MT202COV is sent alongside the MT103 to provide cover funding; it is not a substitute for the customer credit transfer itself.
    

    


    Other drafters: MT103MT202MT199