📦 SWIFT MT‑105 – EDIFACT Envelope
US Capital Private Bank Knowledge Base
MT‑105 is a SWIFT Category 5 message used as an envelope for transmitting EDIFACT-formatted financial data between financial institutions. It acts as a container that allows the exchange of standardized EDIFACT messages over the SWIFT network.
📘 What is MT‑105?
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Purpose:
Facilitates the secure and structured transmission of EDIFACT messages, which are widely used in international trade and finance. -
EDIFACT (Electronic Data Interchange for Administration, Commerce, and Transport):
An international standard for electronic data interchange (EDI), allowing automated, structured communication between businesses and banks. -
Role of MT‑105:
Encapsulates EDIFACT messages so they can be sent via SWIFT, combining the reliability and security of SWIFT with the flexibility of EDIFACT formatting.
⚙️ Message Structure & Key Fields
| Component | Description |
|---|---|
| Basic Header | SWIFT message identification and routing |
| EDIFACT Envelope Content | Contains the actual EDIFACT message data |
| Trailer | Message validation and checksum |
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MT‑105 carries the EDIFACT payload inside its user data block, preserving the structure of the EDIFACT message.
🧩 Features & Benefits
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Enables interoperability between SWIFT users and systems utilizing EDIFACT standards.
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Supports automated processing of trade and financial data.
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Combines SWIFT’s secure transmission with EDIFACT’s flexible data format.
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Facilitates complex trade finance communications such as invoices, customs documents, and payment instructions.
🔐 Compliance & Security
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Fully compliant with SWIFT security and transmission protocols.
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Maintains data integrity and confidentiality across networks.
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Supports audit trails and regulatory compliance through SWIFT standards.
✅ Best Practices
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Ensure EDIFACT message content complies with relevant international standards.
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Validate message structure before transmission.
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Use appropriate SWIFT BIC codes for routing.
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Monitor transmission status to confirm delivery.
📞 Contact US Capital Private Bank
📧 Email: customerservice@uscapitalprivatebank.com
🌐 Website: https://uscapitalprivatebank.com
📞 Phone: +971 52 992 6005
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