📂 SWIFT MT-798 – Trade Envelope Message
US Capital Private Bank Knowledge Base
MT‑798 is SWIFT’s corporate-to-bank trade envelope, enabling secure, batch-, and structured transmission of multiple documentary trade messages—such as Letters of Credit and Guarantees—across banks in one standardized format. Swift+10Swift+10Nordea+10
📘 What is MT‑798?
MT‑798 acts as a business container owned by corporates to submit or amend trade finance instructions. It supports:
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Import and export Letters of Credit
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Guarantees and Standby LCs
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Amendments, advice, and acknowledgments
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Bank-to-corporate confirmations and follow-ups Financely+5Swift+5Oracle Docs+5lcviews.com+2Scribd+2Scribd+2Oracle Docs+1Scribd+1
🎯 Key Features & Benefits
| Feature | Benefit |
|---|---|
| 🔁 Multi-bank envelope | Simplifies managing LCs/Guarantees across multiple banks via one message Swift+1Financely+1 |
| 📄 Structured content | Can wrap embedded MT messages (e.g., MT‑700, MT‑760, MT‑767, MT‑799) |
| 🛠️ Integration-ready | Enables ERP/TMS systems or SWIFT-certified middleware to reduce processing time by ~30% |
| 🔒 Secure & compliant | Fully encrypted, supports UCP 600 and ISP98, traceable with full audit logs |
⚙️ Format Overview
Each MT‑798 includes:
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:20:Transaction reference -
:12:Sub‑message type indicating embedded MT format -
:77E:Proprietary field containing structured MT messages-
Each embedded message includes its own sequencing fields (e.g.,
27A,21P,21A, etc.) Scribd+12Oracle Docs+12Financely+12
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Example:
🧠 Use Cases
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📑 Issuing or amending an LC (MT‑700, MT‑707)
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🛡️ Issuing or modifying a guarantee (MT‑760, MT‑767)
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🔄 Bank-to-corporate advices or follow-ups (MT‑799, MT‑199)
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📊 Batch submission of multiple trade finance messages Scribd+4Scribd+4Oracle Docs+4Trade Finance Global+5Financely+5Swift+5Scribd+2Nordea+2Oracle Docs+2
🔀 MT‑798 vs Other Formats
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MT‑700 / MT‑760: Standalone bank-to-bank issuance
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MT‑799: Free-format confirmation or pre-advice
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MT‑789: Trade envelope for free-format messages
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MT‑798: Corporate-to-bank envelope for structured trade instructions Nordea+4Scribd+4Oracle Docs+4Financely
🛠️ Implementation Essentials
To integrate MT‑798:
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SWIFTNet Connection: Register BIC for FIN and FileAct
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Corporate Onboarding: Activate by subscribing to SWIFT’s Score program Swift+2Financely+2Swift+2
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Middleware Integration: Use SWIFT-certified trade finance systems
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Optional FileAct: For large attachments (e.g., invoices, shipping docs) Financely
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Security & Compliance: Ensure sanction-screening and ISO 20022 harmonization Financely
✅ Latest Updates & FAQ (2025)
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Corporate amendment via MT‑798: Submit MT‑798<772> to request, and receive MT‑798<773> advice Nordea+13Financely+13Oracle Docs+13
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MT‑759 Preference: Banks are encouraged to use MT‑759 over MT‑799 for structured ancillary messages Scribd+6Swift+6Oracle Docs+6
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Z character set support: Extended characters included since SR 2021 Swift
📞 Need Help?
For assistance with MT‑798 implementation, message drafting, or systems integration:
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Email: [email protected]
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Website: https://uscapitalprivatebank.com
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Phone: +971 52 992 6005