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Field 23E

Coded instruction field of SWIFT MT category 1 messages.

Definition

23E is a repetitive field carrying a standardised instruction code optionally followed by additional information. Common codes: CHQB (pay by cheque), HOLD (hold funds at disposal), PHOB (advise beneficiary by phone), INTC (intra-company transfer). It appears notably in the MT101 and the non-STP MT103 to specify execution details.

Origin

Defined in the SWIFT User Handbook, Standards MT Category 1 — Customer Payments and Cheques, maintained by SWIFT.

Example in context

:23E:CHQB :23E:PHOB/+33155667788

  • Field 23B — Bank Operation Code, complementary to 23E.
  • MT101 — message where 23E specifies the payment method.

Last updated: June 20, 2026