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Spotlight PEPPOL BIS Billing 3.0 The EU e-invoicing mandate is here — France Sept 2026, Belgium Jan 2026, Germany 2025.

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Foundations

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Standards

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Flagship messages

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Tools

MT730 — Acknowledgement

Acknowledgment confirming receipt and formal review of an MT700, MT707, or MT710 by the receiving bank (typically advising bank or nominated bank). Mandatory preliminary step before any MT740/750/754 in the UCP 600 workflow.

Purpose

MT730 confirms to the issuing/advising bank that the receiving bank has: (1) received the message, (2) performed syntactic and UCP consistency checks, (3) accepted to proceed with the follow-up (advice to beneficiary, transfer, etc.). Without MT730, the issuing bank doesn't know whether the documentary credit has been accounted for on the advising side — therefore no shipping clearance for the beneficiary.

Main tags

TagNameStatus
:20:Sender's Reference (MT730 reference)Mandatory
:21:Related Reference (acknowledged MT ref, typically :20: of MT700)Mandatory
:25:Account Identification (advising fee debit account)Optional
:30:Date of Message being AcknowledgedMandatory
:32B:Amount of Charges Currency/Amount (LC amount echoed)Optional
:71D:Charges (advising fee, amendment fee, etc.)Optional
:79:Narrative (free explanatory text)Optional

Real-world example

Citi NYC acknowledges receipt of BNP Paribas' USD 500,000 LC, advising fee USD 150:

text mt730-example.txt 
{1:F01CITIUS33XXXX0000000000}{2:I730BNPAFRPPXXXXN}{3:{108:ACK730-20260519-001}}{4:
:20:ACK730-20260519-001
:21:LC-2026-887
:25:001-887654-3-9
:30:260519
:32B:USD500000,00
:71D:OUR USD150,00 ADVISING FEE
:79:ACKNOWLEDGEMENT OF YOUR DOCUMENTARY CREDIT REF LC-2026-887 DATED 20260519 RECEIVED IN GOOD ORDER. AWAITING BENEFICIARY CONFIRMATION FOR ADVISING.
-}{5:{CHK:1234567890CD}}

Common pitfalls

  • :21: empty or NONREF: MT730 must point at the :20: of the acknowledged MT700. Otherwise issuing bank system fails to reconcile.
  • MT730 issued without MT700 received: some banks issue a defensive MT730 after MT705 — invalid per UCP 600 (acknowledgment = MT700 only).
  • No acknowledgment = no beneficiary advising: some banks wait for MT730 to advise the beneficiary (prudential clause). SLA delay < 24 working hours.
  • :71D: ambiguous: charges should be OUR/SHA/BEN identified with applicable UCP fee schedule. Otherwise fee dispute.
  • MT700 — Issue of a Documentary Credit (typically acknowledged).
  • MT707 — Amendment to Documentary Credit (may be acknowledged).
  • MT710 — Advice of Third Bank's Documentary Credit.
  • MT720 — Transfer of a Documentary Credit.
  • MT740 — Authorisation to Reimburse.
  • MT742 — Reimbursement Claim.
  • MT790 — Advice of Charges, Interest and Other Adjustments.