Passitive is a SWIFT payment message type/format used for cash transfer specifically for cross border/international wire transfer.

MT103 fields

Below are the fields of an MT103 message. These fields are referred to as tags.

Tag Name
20 Transaction reference number
23B Bank operation code
32A Value date / currency / interbank settled
33B Currency / original ordered amount
50A, F or K Ordering customer (payer) or address of the remitter.
52A or D Ordering institution (payer's bank)
53A, B or D Sender's correspondent (bank)
54A, B or D Receiver's correspondent (bank)
56A, C or D Intermediary (bank)
57A, B, C or D Account with institution (beneficiary's bank)
59 or 59A Beneficiary 4x35
70 Remittance information
71A Details of charges (OUR/SHA/BEN)
72 Sender to receiver information
77B Regulatory reporting

In the above table, tags 52, 53, 54, 56, and 57 preferably contain ISO 9362 Business Identifier Codes (BICs), whereas tags 50 and 59 preferably contain an account number or a BIC.

As per SWIFT standards, the account number is to be in IBAN (International Bank Account Number) format or in BBAN format (for domestic payments).[1]


  1. ^ "SWIFT Message Type Reference". SWIFT Integration Projects. Oracle. Retrieved 2016-04-29.