MT920 — Request Message
Category 9 message by which a bank (or a SCORE corporate) asks its counterparty to produce a statement or balance report for a given account. Pull model complementary to the MT940/942 push.
Purpose
MT920 serves the cash manager who wants to pull on demand: an end-of-day
account statement (MT940), an instant balance (MT941), an intraday statement
(MT942) or a full statement (MT950). Tag :12: indicates the
expected response message type. The receiving bank replies with the
corresponding MT.
Block 4 tags
| Tag | Name | Status |
|---|---|---|
:20: | Sender's Reference | Mandatory |
:12: | Message Requested (940 / 941 / 942 / 950) | Mandatory |
:25: | Account Identification (requested account) | Mandatory |
:34F: | Debit/Credit Floor Limit (option D/C/blank) | Conditional (for MT942) |
:13D: | Date/Time Indication | Conditional |
Several :25:/:12:/:34F: occurrences allowed to query multiple accounts in a single MT920.
Real-world example
Treasury USA asks BNP Paribas an intraday MT942 on its EUR nostro with 25 M EUR floor:
{1:F01TREASUS33XXX0000000000}{2:I920BNPAFRPPXXXXN}{4:
:20:REQ20260518001
:12:942
:25:FR7630006000011234567890189
:34F:EURD25000000,00
:34F:USDD50000,00
-}{5:{CHK:1234ABCDEF98}}Common pitfalls
- :12: with value outside 940/941/942/950: immediate rejection.
- Missing :34F: for 942 request: some banks require a floor limit, otherwise refused.
- Inactive :25: account: the bank emits an empty MT942 — better to monitor it than wait for data.
- Confusion with MT960: MT960 (Service Request) is a service order ; MT920 is purely reporting.
MX equivalent
The ISO 20022 equivalent is camt.060.001.05 (Account Reporting Request). More expressive: can request camt.052 (intraday report), camt.053 (bank statement) or camt.054 (debit credit notification) as needed.