SWIFT MT104 Customer Direct Debit

This dataset provides detailed records of SWIFT MT104 customer direct debit instructions, including creditor and debtor information, transaction amounts, execution status, and full address details. It is ideal for financial institutions, payment processors, and utility companies to manage, audit, and analyze bulk and recurring direct debit collections. The schema supports compliance, reconciliation, and operational reporting for high-volume payment environments.

  • last updated 29 Oct 2025
  • by GoMask
The brief that made it

Automated reconciliation and audit of direct debit transactions

Sample rows

preview · 8 of 400 rows · all 27 columns
instruction_idstringstatusstringamountfloatdebtor_address_countrystringmessage_referencestringcreditor_namestringcreditor_account_numberstringcreditor_bank_bicstringdebtor_namestringdebtor_account_numberstringdebtor_bank_bicstringcurrencystringcollection_typestringcollection_referencestringinstruction_datedateexecution_datedatereason_codestringremittance_informationstringcreditor_address_streetstringcreditor_address_citystringcreditor_address_statestringcreditor_address_postal_codestringcreditor_address_countrystringdebtor_address_streetstringdebtor_address_citystringdebtor_address_statestringdebtor_address_postal_codestring
DDI202406010001executed85.65GBMT104REFA1782Global Utilities LtdGB29NWBK60161331926819NWBKGB2LSophie TurnerGB13BARC20201555588812BARCGB22GBPutilityUTL-2024-06A2024-06-012024-06-04blankJune electricity bill22 Tower StreetLondonENGEC2V5DEGB5 Liverpool RoadManchesterENGM31AE
DDI202406010002executed14.99DEMT104SUBS9911StreamMedia GmbHDE89370400440532013000COBADEFFFelix BauerDE75512108001245126113BHFBDEFFEURsubscriptionSUBS-2024-06C2024-06-022024-06-03blankMonthly video streaming feeFasanenstr. 14BerlinBE10719DEGoethestr. 33FrankfurtHE60313
DDI202406010003executed2200.55FRMT104BULK20240601EuroPay Payroll LtdFR7630006000011234567890189AGRIFRPPLucas MartinFR1420041010050500013M02606BNPAFRPPEURbulkPAY-2024062024-06-012024-06-02blankJune salary10 Rue LafayetteParisIDF75009FR14 Avenue de la RépubliqueLyonARA69002
DDI202406010004executed32.5CHMT104SUBS9912FitNation ClubCH9300762011623852957CRESCHZZ80ANina SchmidCH5604835012345678009UBSWCHZH80ACHFsubscriptionSUBS-2024-06F2024-06-032024-06-04blankMonthly gym membershipBahnhofstrasse 55ZurichZH8001CHSeestrasse 21WinterthurZH8400
DDI202406010005executed74.23SEMT104UTIL5021Nordic Water ABSE4550000000058398257466ESSESESSErik LundSE1550000000558398257467HANDSESSSEKutilityUTL-2024-06W2024-06-042024-06-07blankJune water billVattugatan 12StockholmAB11152SEStorgatan 22UppsalaC75320
DDI202406010006executed1400.75SNMT104BULK20240601EuroPay Payroll LtdFR7630006000011234567890189AGRIFRPPFatou DiopSN08SN0110000001234567890123BICISNDAEURbulkPAY-2024062024-06-012024-06-02blankJune salary10 Rue LafayetteParisIDF75009FRAvenue Blaise Diagne 37DakarDKR12000
DDI202406010007executed134.8DKMT104REFC2094Green Energy DKDK5000400440116243DABADKKKMads JensenDK9570000123456789NDEADKKKDKKutilityUTL-2024-06E2024-06-052024-06-06blankJune energy billNørregade 41CopenhagenH1165DKØsterbrogade 12AarhusJ8000
DDI202406010008executed7.5DEMT104SUBS9923MagMedia AGDE21500105176129456789INGDDEFFAnna WeberDE00500105176129456787DEUTDEFFEURsubscriptionSUBS-2024-06M2024-06-052024-06-05blankMonthly magazine subscriptionHauptstr. 7MunichBY80331DERingstr. 10HamburgHH20095

What the 400 rows show

from the 400-row sample

Executed status stands out: mean amount is 5,933, against 13,889,694 for the rest.

  • 110.0median amount
  • 3reason codes
  • 4collection types
  • 11currencies
  • 20creditor address countries
  • 34creditor address cities
Mean amount by status400 rows
040M80M1,093pending43 rows5,933executed328 rows7.1Mfailed14 rows60Mcancelled15 rows
amount400 rows, in bands of 10M
01953903900000000010050M100Mamount →

Median 110.0, from 0.01 to 100,000,000.

debtor_address_country400 rows · top 10 of 40 values
  1. GB53
  2. DE51
  3. CH31
  4. SE31
  5. FR27
  6. DK26
  7. US23
  8. ES16
  9. TR16
  10. CN15
27 columns by typefrom the column list below
  • string 24
  • float 1
  • date 2

Columns

27 columns in three groups
blueprint · 27 columns
columntypedescriptionexample
Text 24 columns
instruction_idstringUnique identifier for each direct debit instructionuniqueDDI202406010001
message_referencestringReference number for the SWIFT MT104 messageMT104REFA1782
creditor_namestringName of the creditor initiating the direct debitGlobal Utilities Ltd
creditor_account_numberstringCreditor's bank account numberGB29NWBK60161331926819
creditor_bank_bicstringBank Identifier Code (BIC) of the creditor's bankNWBKGB2L
debtor_namestringName of the debtor whose account will be debitedSophie Turner
debtor_account_numberstringDebtor's bank account numberGB13BARC20201555588812
debtor_bank_bicstringBank Identifier Code (BIC) of the debtor's bankBARCGB22
currencystringCurrency code of the transaction (ISO 4217)11 currenciesGBP
collection_typestringType of collection (e.g., utility, subscription, bulk)utility · subscription · bulk · otherutility
collection_referencestringReference for the collection, such as invoice or subscription IDoptionalUTL-2024-06A
statusstringStatus of the direct debit instructionpending · executed · failed · cancelledexecuted
reason_codestringReason code for failed or cancelled instructions3 codes · optionalBE05
remittance_informationstringAdditional information for the debtor regarding the paymentoptionalJune electricity bill
creditor_address_streetstringStreet address of the creditoroptional22 Tower Street
creditor_address_citystringCity of the creditoroptionalLondon
creditor_address_statestringState or province of the creditoroptionalENG
creditor_address_postal_codestringPostal code of the creditoroptionalEC2V5DE
creditor_address_countrystringCountry of the creditoroptionalGB
debtor_address_streetstringStreet address of the debtoroptional5 Liverpool Road
debtor_address_citystringCity of the debtoroptionalManchester
debtor_address_statestringState or province of the debtoroptionalENG
debtor_address_postal_codestringPostal code of the debtoroptionalM31AE
debtor_address_countrystringCountry of the debtoroptionalGB
Numbers 1 column
amountfloatAmount to be debited from the debtor's account0.01 or more85.65
Dates and times 2 columns
instruction_datedateDate when the direct debit instruction was issued2024-06-01
execution_datedateDate when the direct debit is to be executed2024-06-04

Use it for

  • median amount110.0400 rowsmean amount by status1.1kpend…5.9kexec…7.1Mfail…60Mcanc…

    A finance dashboard

    Amount by status and a breakdown of debtor_address_country. Excel, Power BI or Tableau.

  • Why do the 328 executed rows have a mean amount of 5,933?

    A root-cause class exercise

    Hand out the rows and one question. The answer is in the data, not in the brief.

  • A software demo

    Believable instructions with message_reference, creditor_name and creditor_account_number to fill a screen in front of a buyer.

Not quite right?

Make it yours.

Same 27 columns, your size and your rules. See 20 rows before you pay.

Preview 20 rows free

1,000 rows: $1.99 · 10,000: $12.99One-time. No subscription. All prices

This dataset400 rows27 columns
Yours1,000 rows27 columnscreditor_address_street: UK only

blueprint · swift-mt104-customer-direct-debit

Behind this dataset

Same schema. As many rows as you need.

These 400 rows came out of a blueprint — 27 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.

Rules it was built with
  • Transaction reference number unique (field 20)
  • Multiple debit entries in single message
  • Sum of amounts matches control sum (field 19)
  • Execution date specified (field 30)
  • Ordering party identified (field 50C/K)
  • Each debtor has account details (field 59)
  • Purpose code for regulatory reporting
  • Maximum 9,999 transactions per message
Rows
Open the blueprint in Data Factory

1 credit per row. New accounts start with 25 free credits.

Exports
CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
Licence
yours to use, including commercially
API slug
swift-mt104-customer-direct-debit

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