Yes, it is quite usual for a bank to request a SWIFT MT103 message from the remitting bank, especially in cases where:

1. Tracing a Delayed Payment – If the funds have not yet been credited to the recipient’s account, the beneficiary bank may request the MT103 to track the transaction.
2. Proof of Payment – Some banks require the MT103 as confirmation that the payment was actually sent, particularly in international transactions.
3. Compliance & Anti-Money Laundering (AML) Checks – If the transaction is flagged for compliance review, the bank may request an MT103 to verify sender details and ensure regulatory compliance.
4. Mismatch in Details – If there is a discrepancy between the sender and beneficiary details or if the payment was directed through an intermediary bank, the receiving bank might request the SWIFT MT103.
5. Banking Procedures & Reconciliation – Some banks require an MT103 for internal reconciliation, especially if the payment is large or unusual.

If your bank is asking for the MT103, you can request it from the remitting bank (the sender’s bank). The MT103 contains all payment details, including transaction reference, sender, recipient, amount, date, and intermediary banks involved.

Would you like help interpreting an MT103 message if you receive one?

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