Struct Field50A

pub struct Field50A {
    pub account: Option<String>,
    pub bic: String,
}

Field 50: Ordering Customer

Overview

Field 50 identifies the ordering customer (originator) of a SWIFT payment message. This field is crucial for identifying the party who initiated the payment instruction and is used for compliance, audit, and customer relationship purposes. The field supports multiple format options (A, F, K) to accommodate different identification methods and regulatory requirements.

Format Specification

Field 50 supports three format options:

Option A (50A): BIC-based Identification

Format: [/account]BIC

• account: Optional account number (max 34 characters, preceded by /)
• BIC: Bank Identifier Code (8 or 11 characters)
• Structure: Account and BIC on separate lines if account present

Option F (50F): Party Identifier with Name/Address

Format: party_identifier + 4*35x

• party_identifier: Unique party identifier (max 35 characters)
• name_and_address: Up to 4 lines of 35 characters each
• Usage: For structured party identification with full name/address

Option K (50K): Name and Address Only

Format: 4*35x

• name_and_address: Up to 4 lines of 35 characters each
• Usage: Simple name/address format without structured identifiers
• Most common: Default option when no BIC or party ID available

Usage Context

Field 50 is mandatory in most SWIFT payment messages:

• MT103: Single Customer Credit Transfer
• MT200: Financial Institution Transfer
• MT202: General Financial Institution Transfer
• MT202COV: Cover for customer credit transfer

Regulatory Applications

• AML/KYC: Customer identification for anti-money laundering compliance
• Sanctions screening: Identifying parties for sanctions compliance
• FATCA/CRS: Tax reporting requirements
• Audit trails: Maintaining originator information for investigations
• Customer due diligence: Enhanced due diligence requirements

Examples

:50A:/1234567890
DEUTDEFFXXX
└─── Customer with account 1234567890 at Deutsche Bank Frankfurt

:50A:CHASUS33XXX
└─── Customer identified by BIC only (JPMorgan Chase New York)

:50F:PARTY123456789
JOHN DOE ENTERPRISES
123 BUSINESS AVENUE
NEW YORK NY 10001
UNITED STATES
└─── Customer with party identifier and full address

:50K:ACME CORPORATION
456 INDUSTRIAL DRIVE
CHICAGO IL 60601
UNITED STATES
└─── Customer with name and address only

Option Selection Guidelines

• Use 50A when: Customer has account at known financial institution with BIC
• Use 50F when: Structured party identification required (regulatory compliance)
• Use 50K when: Simple name/address sufficient, no structured ID available
• Preference order: 50A > 50F > 50K (from most to least structured)

Validation Rules

Option A (50A):

1. BIC validation: Must be valid 8 or 11 character BIC format
2. Account format: If present, max 34 characters, must start with /
3. BIC structure: 4!a2!a2!c[3!c] format required

Option F (50F):

1. Party identifier: Cannot be empty, max 35 characters
2. Address lines: Minimum 1, maximum 4 lines
3. Line length: Each line max 35 characters
4. Character set: Printable ASCII characters only

Option K (50K):

1. Address lines: Minimum 1, maximum 4 lines
2. Line length: Each line max 35 characters
3. Character set: Printable ASCII characters only
4. Content validation: Must contain meaningful customer information

Network Validated Rules (SWIFT Standards)

• Field 50 is mandatory in customer payment messages (Error: C23)
• BIC in option A must be valid format (Error: T27)
• Account number cannot exceed 34 characters (Error: T15)
• Name/address lines cannot exceed 35 characters each (Error: T14)
• Maximum 4 name/address lines allowed (Error: T16)
• Characters must be from SWIFT character set (Error: T61)

Fields

account: Option<String>

Optional account number (starting with /)

bic: String

BIC code

Implementations

impl Field50A

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

Create a new Field50A with validation

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

Get the account number

pub fn bic(&self) -> &str

Get the BIC code

Trait Implementations

impl Clone for Field50A

fn clone(&self) -> Field50A

Returns a duplicate of the value.

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

Performs copy-assignment from source.

impl Debug for Field50A

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

Formats the value using the given formatter.

impl<'de> Deserialize<'de> for Field50A

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

where __D: Deserializer<'de>,

Deserialize this value from the given Serde deserializer.

impl Display for Field50A

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

Formats the value using the given formatter.

impl PartialEq for Field50A

fn eq(&self, other: &Field50A) -> 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 Field50A

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 Field50A

fn parse(content: &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 Eq for Field50A

impl StructuralPartialEq for Field50A