MT 110 Field Specifications

4. Field 72: Sender to Receiver Information

FORMAT

6*35x

(Narrative)

In addition to narrative text, structured text with the following formats may be used:

Line 1	/8c/[additional information]	(Code)(Narrative)
Lines 2-6	[//continuation of additional information] or [/8c/[additional information]]	(Narrative) or (Code)(Narrative)

PRESENCE

Optional

DEFINITION

This field specifies additional information for the Receiver or other party specified.

CODES

Unless bilaterally agreed otherwise between the Sender and the Receiver, one of the following codes must be used in Code, placed between slashes ('/'):

ACC	Account with institution	Instructions following are for the account with institution.
INS	Instructing institution	The instructing institution which instructed the Sender to execute the transaction.
INT	Intermediary institution	Instructions following are for the intermediary institution.
REC	Receiver	Instructions following are for the Receiver of the message.

NETWORK VALIDATED RULES

If the first six characters in line 1 contain the character string /REJT/ or /RETN/, then it is mandatory to follow the Payments Reject/Return Guidelines described in the Standards MT Usage Guidelines (Error code(s): T80).

USAGE RULES

Field 72 must never be used for information for which another field is intended.

Use of field 72, particularly with uncoded instructions, may cause delay, because, in automated systems, the presence of this field will normally require manual intervention.

It is strongly recommended to use the standard codes proposed above. However, where bilateral agreements covering the use of codes in this field are in effect, the code must conform to the structure of this field.

Each item for which a code exists must start with that code and may be completed with additional information.

Each code used must be between slashes and appear at the beginning of a line. It may be followed by additional narrative text.

Narrative text relating to a preceding code, which is continued on the next line(s), must start with a double slash '//', and, if used, must begin on a new line. Narrative text should preferably be the last information in this field.

This field may include ERI to transport dual currencies, as specified in the chapter entitled "Euro-Related Information (ERI)" in the Standards MT General Information.

In order to comply with the EC-directive on cross border credit transfers, the optional code word EXCH may be used to transport an exchange rate. In line with ERI, the code word EXCH is placed between slashes, followed by the exchange rate, format 12d, and terminated with another slash.