Struct Field57A

pub struct Field57A {
    pub account_line_indicator: Option<String>,
    pub account_number: Option<String>,
    pub bic: String,
}

Field 57A: Account With Institution

Overview

Field 57A identifies the account with institution in SWIFT payment messages using a BIC code. This field specifies the financial institution where the beneficiary maintains their account or where the final credit should be made. The account with institution is typically the beneficiary’s bank and represents the final destination in the payment routing chain, playing a crucial role in completing the payment transaction.

Format Specification

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

• 34x: Optional account number (up to 34 characters)
• 4!a2!a2!c[3!c]: BIC code (8 or 11 characters)
  • 4!a: Bank code (4 alphabetic characters)
  • 2!a: Country code (2 alphabetic characters, ISO 3166-1)
  • 2!c: Location code (2 alphanumeric characters)
  • 3!c: Optional branch code (3 alphanumeric characters)

Structure

/1234567890123456789012345678901234
CHASUS33XXX
│       │││
│       │└┴┴ Branch code (optional, XXX)
│       └┴── Location code (2 chars, 33)
│     └┴──── Country code (2 chars, US)
│ └┴┴┴────── Bank code (4 chars, CHAS)
└─────────── Account number (optional)

Field Components

• Account Number: Beneficiary’s account at the institution (optional)
• BIC Code: Business Identifier Code for beneficiary’s bank
• Bank Code: 4-letter code identifying the beneficiary’s bank
• Country Code: 2-letter ISO country code
• Location Code: 2-character location identifier
• Branch Code: 3-character branch identifier (optional)

Usage Context

Field 57A is used in:

• MT103: Single Customer Credit Transfer
• MT200: Financial Institution Transfer
• MT202: General Financial Institution Transfer
• MT202COV: Cover for customer credit transfer
• MT205: Financial Institution Transfer for its own account

Business Applications

• Final credit destination: Identifying beneficiary’s bank
• Account crediting: Specifying where funds should be credited
• Payment completion: Ensuring proper payment delivery
• Correspondent banking: Managing beneficiary bank relationships
• Cross-border payments: International payment settlement
• Regulatory compliance: Meeting beneficiary identification requirements

Examples

:57A:CHASUS33
└─── JPMorgan Chase Bank, New York (beneficiary's bank)

:57A:/DE89370400440532013000
DEUTDEFF500
└─── Deutsche Bank AG, Frankfurt with beneficiary account

:57A:BARCGB22
└─── Barclays Bank PLC, London (8-character BIC)

:57A:/BENEFICIARYACCT123456
BNPAFRPP
└─── BNP Paribas, Paris with beneficiary account

BIC Code Structure

• 8-character BIC: BANKCCLL (Bank-Country-Location)
• 11-character BIC: BANKCCLLBBB (Bank-Country-Location-Branch)
• Bank Code: 4 letters identifying the institution
• Country Code: 2 letters (ISO 3166-1 alpha-2)
• Location Code: 2 alphanumeric characters
• Branch Code: 3 alphanumeric characters (optional)

Account Number Guidelines

• Format: Up to 34 alphanumeric characters
• Content: Beneficiary’s account number or identifier
• Usage: When specific account designation is required
• Omission: When only institution identification is needed
• Standards: May include IBAN or local account formats

Validation Rules

1. BIC format: Must be valid 8 or 11 character BIC code
2. Bank code: Must be 4 alphabetic characters
3. Country code: Must be 2 alphabetic characters
4. Location code: Must be 2 alphanumeric characters
5. Branch code: Must be 3 alphanumeric characters (if present)
6. Account number: Maximum 34 characters (if present)
7. Character validation: All components must be printable ASCII

Network Validated Rules (SWIFT Standards)

• BIC must be valid and registered in SWIFT network (Error: T10)
• BIC format must comply with ISO 13616 standards (Error: T11)
• 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)
• Field 57A alternative to 57B/57C/57D (Error: C57)

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 Field57A

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

Create a new Field57A with validation

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

Get the account line indicator

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

Get the account number

pub fn bic(&self) -> &str

Get the BIC code

pub fn is_full_bic(&self) -> bool

Check if this is a full BIC (11 characters) or short BIC (8 characters)

pub fn description(&self) -> String

Get human-readable description

Trait Implementations

impl Clone for Field57A

fn clone(&self) -> Field57A

Returns a duplicate of the value.

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

Performs copy-assignment from source.

impl Debug for Field57A

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

Formats the value using the given formatter.

impl<'de> Deserialize<'de> for Field57A

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

where __D: Deserializer<'de>,

Deserialize this value from the given Serde deserializer.

impl Display for Field57A

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

Formats the value using the given formatter.

impl PartialEq for Field57A

fn eq(&self, other: &Field57A) -> 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 Field57A

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 Field57A

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 Eq for Field57A

impl StructuralPartialEq for Field57A