Struct Field51A

pub struct Field51A {
    pub account_line_indicator: Option<String>,
    pub account_number: Option<String>,
    pub bic: String,
}

Field 51A: Sending Institution

Overview

Field 51A identifies the sending institution in SWIFT payment messages using a BIC code. This field specifies the financial institution that is sending the payment message, typically used in correspondent banking arrangements and institutional transfers. The sending institution is distinct from the ordering institution and represents the actual message sender in the SWIFT network, providing crucial information for message routing, settlement processing, and regulatory compliance.

Format Specification

Format: [/1!a][/34x]4!a2!a2!c[3!c]

• 1!a: Optional account line indicator (1 character)
• 34x: Optional account number (up to 34 characters)
• 4!a2!a2!c[3!c]: BIC code (8 or 11 characters)

BIC Structure

CHASUS33XXX
││││││││└┴┴─ Branch Code (3 characters, optional)
││││││└┴──── Location Code (2 characters)
││││└┴────── Country Code (2 letters)
└┴┴┴──────── Bank Code (4 letters)

Field Components

• Account Line Indicator: Optional qualifier for account type or purpose
• Account Number: Institution’s account number for settlement
• BIC: Bank Identifier Code uniquely identifying the sending institution

Usage Context

Field 51A is used in:

• MT103: Single Customer Credit Transfer (optional)
• MT103.REMIT: Single Customer Credit Transfer with Remittance (optional)
• MT200: Financial Institution Transfer
• MT202: General Financial Institution Transfer
• MT202COV: Cover for customer credit transfer

Business Applications

• Correspondent banking: Identifying the actual message sender
• Settlement: Providing account information for settlement processes
• Compliance: Meeting regulatory requirements for sender identification
• Audit trails: Maintaining clear sender identification records
• Message routing: Supporting proper SWIFT network routing
• Risk management: Enabling counterparty risk assessment

MT103 Variant Support

• MT103 Core: Optional field
• MT103.STP: Not allowed (STP compliance restriction)
• MT103.REMIT: Optional field

Examples

use swift_mt_message::fields::Field51A;

// BIC only
let field = Field51A::new(None, None, "CHASUS33XXX").unwrap();

// With account number
let field = Field51A::new(None, Some("1234567890".to_string()), "DEUTDEFF500").unwrap();

// With account line indicator and account number
let field = Field51A::new(Some("C".to_string()), Some("1234567890".to_string()), "HSBCHKHH").unwrap();

Account Line Indicators

Common account line indicators include:

• A: Account identifier (generic)
• B: Beneficiary account
• C: Checking account
• D: Deposit account
• S: SWIFT account identifier
• T: Trust account
• N: Nostro account
• V: Vostro account

Validation Rules

1. BIC format: Must be valid 8 or 11 character BIC code
2. BIC structure: 4!a2!a2!c[3!c] format required
3. Bank code: Must be 4 alphabetic characters
4. Country code: Must be 2 alphabetic characters
5. Location code: Must be 2 alphanumeric characters
6. Branch code: Must be 3 alphanumeric characters (if present)
7. Account line indicator: If present, exactly 1 character
8. Account number: If present, max 34 characters
9. Character validation: All components must use valid character sets

Network Validated Rules (SWIFT Standards)

• BIC must be valid format and registered (Error: T27)
• BIC format must comply with ISO 13616 standards (Error: T11)
• Account line indicator must be single character (Error: T12)
• Account number cannot exceed 34 characters (Error: T14)
• Bank code must be alphabetic only (Error: T15)
• Country code must be valid ISO 3166-1 code (Error: T16)
• Location code must be alphanumeric (Error: T17)
• Branch code must be alphanumeric if present (Error: T18)
• Characters must be from SWIFT character set (Error: T61)
• Field 51A not allowed in MT103.STP messages (Error: C51)
• Field 51A optional in MT103 Core and MT103.REMIT (Warning: W51)

Fields

account_line_indicator: Option<String>

Account line indicator (optional, 1 character)

account_number: Option<String>

Account number (optional, up to 34 characters)

bic: String

BIC code (8 or 11 characters)

Implementations

impl Field51A

pub fn new( account_line_indicator: Option<String>, account_number: Option<String>, bic: impl Into<String>, ) -> Result<Self>

Create a new Field51A with validation

Arguments

• account_line_indicator - Optional account line indicator (1 character)
• account_number - Optional account number (up to 34 characters)
• bic - BIC code (8 or 11 characters)

Examples

use swift_mt_message::fields::Field51A;

// BIC only
let field = Field51A::new(None, None, "CHASUS33XXX").unwrap();

// With account number
let field = Field51A::new(None, Some("1234567890".to_string()), "DEUTDEFF500").unwrap();

// With account line indicator and account number
let field = Field51A::new(Some("C".to_string()), Some("1234567890".to_string()), "HSBCHKHH").unwrap();

pub fn bic(&self) -> &str

Get the BIC code

pub fn account_line_indicator(&self) -> Option<&str>

Get the account line indicator if present

pub fn account_number(&self) -> Option<&str>

Get the account number if present

pub fn is_stp_allowed(&self) -> bool

Check if this field is allowed in MT103.STP messages

Field 51A is NOT allowed in MT103.STP messages according to SWIFT standards

pub fn bank_code(&self) -> &str

Get bank code from BIC

pub fn country_code(&self) -> &str

Get country code from BIC

pub fn location_code(&self) -> &str

Get location code from BIC

pub fn branch_code(&self) -> Option<&str>

Get branch code from BIC if present

Trait Implementations

impl Clone for Field51A

fn clone(&self) -> Field51A

Returns a duplicate of the value.

fn clone_from(&mut self, source: &Self)

Performs copy-assignment from source.

impl Debug for Field51A

fn fmt(&self, f: &mut Formatter<'_>) -> Result

Formats the value using the given formatter.

impl<'de> Deserialize<'de> for Field51A

fn deserialize<__D>(__deserializer: __D) -> Result<Self, __D::Error>

where __D: Deserializer<'de>,

Deserialize this value from the given Serde deserializer.

impl Display for Field51A

fn fmt(&self, f: &mut Formatter<'_>) -> Result

Formats the value using the given formatter.

impl PartialEq for Field51A

fn eq(&self, other: &Field51A) -> bool

Tests for self and other values to be equal, and is used by ==.

fn ne(&self, other: &Rhs) -> bool

Tests for !=. The default implementation is almost always sufficient, and should not be overridden without very good reason.

impl Serialize for Field51A

fn serialize<__S>(&self, __serializer: __S) -> Result<__S::Ok, __S::Error>

where __S: Serializer,

Serialize this value into the given Serde serializer.

impl SwiftField for Field51A

fn parse(value: &str) -> Result<Self, ParseError>

Parse field value from string representation

fn to_swift_string(&self) -> String

Convert field back to SWIFT string format

fn validate(&self) -> ValidationResult

Validate field according to SWIFT format rules

fn format_spec() -> &'static str

Get field format specification

impl StructuralPartialEq for Field51A