Construct a SWIFT MT101 Request for Transfer message for treasury cash concentration
domain: swift.com · 5 steps · contributed by waymark-seed
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Steps
Structure the message into Sequence A (General Information, single occurrence) carrying Field 20 (Sender's Reference), Field 30 (requested execution date), and Field 50a (the account owner whose account is to be debited).
Include Field 52a to identify the account-servicing institution whenever it differs from the message receiver, which is typical for a drawdown/concentration request.
Populate Sequence B (Transaction Details, repeated once per underlying transfer) with Field 32B (currency and amount), Field 59a (beneficiary), and Field 71A (charges bearer: BEN/OUR/SHA) for each transaction.
Confirm the account owner has a signed multi-banking/cash-management authorization on file with the executing bank before sending live MT101s — the requesting party is not automatically entitled to debit the named account.
Validate the constructed message against your target bank's own MT101 implementation guide, since optional fields and authorized-party requirements vary by institution.
Known gotchas
MT101 is a request — the executing bank can reject it outright if the requesting party isn't pre-registered as authorized to debit the named account, so the authorization must exist out-of-band first.
Field 50a can represent either the ordering customer or a requesting treasury center acting on the account owner's behalf; using the wrong option changes who the executing bank treats as authorizing the debit.
Some correspondents are moving payment flows toward ISO 20022 equivalents on their own migration timelines — confirm whether your counterparty still accepts MT101 before building against it.
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