| Step | From | Message | To | Description | Rules |
|---|---|---|---|---|---|
1 | Bank A | MT202 | Bank B | Initial funds transfer request | Must include valid BIC code and transfer amount |
2 | Bank A | MT103 | Bank B | Customer credit transfer | Must include customer details and transfer amount |
3 | Bank A | MT191 | Bank B | Request for charges | Must reference original MT202 message |
4 | Bank B | MT191 | Bank A | Charge confirmation | Must include final charge amounts and settlement details |
5 | Bank B | MT202 | Bank A | Processing confirmation | Must include charge details and processing status |