MT196 — Answers
Structured reply to an MT195. Numbered counterpart of the original MT195 questions, enables automated question-answer matching on the sender side.
Purpose
MT196 answers the structured questions of an MT195. Tag :76: reuses the /1/, /2/, /3/ ... numbering of the original MT195's :75: tag, line by line. This lets tracking platforms match each answer to each question.
Block 4 structure
| Tag | Name | Status |
|---|---|---|
:20: | Transaction Reference Number | Mandatory |
:21: | Related Reference (MT195 reference) | Mandatory |
:76: | Answers (structured replies) | Mandatory |
:11R: | MT and Date of Original Message (typically 195) | Optional |
:77A: | Additional narrative | Optional |
Real-world example
Deutsche Bank replies to BNP Paribas regarding the 350 EUR discrepancy:
{1:F01DEUTDEFFAXXX0000000000}{2:I196BNPAFRPPXXXXN}{4:
:20:ANS260518001
:21:QRY260518001
:76:/1/AMOUNT EUR 12500,00 CREDITED IN FULL TO BENEFICIARY ACCOUNT
/2/CORRESPONDENT CHARGES OF EUR 350,00 APPLIED BY CITIBANK
/3/PLEASE REFER TO MT190 REF CHG260518001 SENT YESTERDAY
/4/CASE CLOSED FROM OUR SIDE
:11R:195
260518
-}{5:{CHK:PQR456789012}}Common pitfalls
- Unnumbered :76: — loses the question-answer matching benefit.
- :21: does not reference the MT195 — without it, the reply is orphan.
- Partial reply — answer all /1/, /2/, /3/, /4/ questions from the MT195.
MX equivalent
Replaced by camt.029 (Resolution of Investigation) which neatly structures resolution + reason.