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📦 SWIFT MT‑105 – EDIFACT Envelope

📦 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?

  • 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

  • MT‑105 carries the EDIFACT payload inside its user data block, preserving the structure of the EDIFACT message.

🧩 Features & Benefits

  • Enables interoperability between SWIFT users and systems utilizing EDIFACT standards.

  • Supports automated processing of trade and financial data.

  • Combines SWIFT’s secure transmission with EDIFACT’s flexible data format.

  • Facilitates complex trade finance communications such as invoices, customs documents, and payment instructions.

🔐 Compliance & Security

  • Fully compliant with SWIFT security and transmission protocols.

  • Maintains data integrity and confidentiality across networks.

  • Supports audit trails and regulatory compliance through SWIFT standards.

✅ Best Practices

  1. Ensure EDIFACT message content complies with relevant international standards.

  2. Validate message structure before transmission.

  3. Use appropriate SWIFT BIC codes for routing.

  4. Monitor transmission status to confirm delivery.

📞 Contact US Capital Private Bank

📧 Email: [email protected]
🌐 Website: https://uscapitalprivatebank.com
📞 Phone: +971 52 992 6005

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