Struct MT190 

pub struct MT190 {
    pub field_20: Field20,
    pub field_21: Field21NoOption,
    pub field_25: Field25AccountIdentification,
    pub field_32: Field32,
    pub field_52: Option<Field52OrderingInstitution>,
    pub field_71b: Field71B,
    pub field_72: Option<Field72>,
}

MT190: Advice of Charges, Interest and Other Adjustments

Purpose

Used to advise charges, interest and other adjustments that have been debited or credited to an account. This message provides detailed information about adjustments made to accounts, enabling proper reconciliation and transparency of fees, interest, and other financial adjustments.

Scope

This message is:

• Sent by the account servicing institution to the account holder
• Used to advise charges, interest calculations, and account adjustments
• Applied to various types of adjustments including fees, interest, and corrections
• Essential for account reconciliation and financial transparency
• Part of the comprehensive account management and reporting process

Key Features

• Adjustment Notification: Official notification of account adjustments
• Detailed Charges: Comprehensive breakdown of charges and fees
• Interest Information: Details of interest calculations and postings
• Reference Tracking: Links to related transactions or periods
• Account Identification: Clear identification of the affected account
• Flexible Amount Fields: Supports both debit and credit adjustments

Common Use Cases

• Periodic interest posting notifications
• Bank fee and charge advisories
• Account maintenance charge notifications
• Overdraft interest calculations
• Investment management fee notifications
• Foreign exchange adjustment advisories
• Error corrections and adjustments
• Service charge notifications

Message Structure

• Field 20: Transaction Reference Number (mandatory) - Unique reference for this advice
• Field 21: Related Reference (mandatory) - Reference to related transaction or period
• Field 25: Account Identification (mandatory) - Account being adjusted
• Field 32a: Value Date, Currency Code, Amount (mandatory) - Adjustment details (C or D)
• Field 52a: Ordering Institution (optional) - Institution initiating adjustment (A or D)
• Field 71B: Details of Charges (mandatory) - Detailed breakdown of charges/adjustments
• Field 72: Sender to Receiver Information (optional) - Additional information

Network Validation Rules

• Reference Format: Transaction references must follow SWIFT standards
• Amount Validation: Adjustment amounts must be properly formatted
• Account Validation: Account identification must be valid and properly formatted
• Charge Details: Field 71B must contain meaningful adjustment information
• Currency Validation: Currency codes must be valid ISO 4217 codes

Processing Context

Adjustment Processing Workflow

1. Adjustment calculation or determination
2. Account posting (debit or credit)
3. MT190 sent to advise adjustment
4. Account holder updates records

Account Management

• Periodic adjustment processing
• Fee calculation and posting
• Interest computation
• Account reconciliation support

SRG2025 Status

• No Structural Changes: MT190 format remains stable
• Enhanced Processing: Improved integration with digital banking
• Validation Updates: Enhanced validation rules for better accuracy
• Real-time Capability: Support for immediate adjustment notifications

Integration Considerations

• Banking Systems: Direct integration with core banking systems
• Account Management: Part of comprehensive account servicing
• Reconciliation: Essential for automated reconciliation processes
• Reporting: Key component of account reporting and statements

Relationship to Other Messages

• Related to: MT900/910 for transaction confirmations
• Complements: MT940/950 statement messages
• Supports: Account reconciliation and management processes
• Alternative: MT290 for cancellation of adjustments

Fields

field_20: Field20

field_21: Field21NoOption

field_25: Field25AccountIdentification

field_32: Field32

field_52: Option<Field52OrderingInstitution>

field_71b: Field71B

field_72: Option<Field72>

Implementations

impl MT190

pub fn validate() -> &'static str

Get validation rules for this message type

Trait Implementations

impl Clone for MT190

fn clone(&self) -> MT190

Returns a duplicate of the value.

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

Performs copy-assignment from source.

impl Debug for MT190

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

Formats the value using the given formatter.

impl<'de> Deserialize<'de> for MT190

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

where __D: Deserializer<'de>,

Deserialize this value from the given Serde deserializer.

impl PartialEq for MT190

fn eq(&self, other: &MT190) -> 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 MT190

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

where __S: Serializer,

Serialize this value into the given Serde serializer.

impl SwiftMessageBody for MT190

fn message_type() -> &'static str

Get the message type identifier (e.g., “103”, “202”)

fn from_fields( fields: HashMap<String, Vec<(String, usize)>>, ) -> SwiftResult<Self>

Create from field map with sequential consumption tracking

fn from_fields_with_config( fields: HashMap<String, Vec<(String, usize)>>, config: &ParserConfig, ) -> Result<ParseResult<Self>, ParseError>

Create from field map with configuration for error collection

fn to_fields(&self) -> HashMap<String, Vec<String>>

Convert to field map

fn required_fields() -> Vec<&'static str>

Get required field tags for this message type

fn optional_fields() -> Vec<&'static str>

Get optional field tags for this message type

fn to_ordered_fields(&self) -> Vec<(String, String)>

Convert to ordered field list for MT serialization Returns fields in the correct sequence order for multi-sequence messages

impl StructuralPartialEq for MT190