回复：请教小城和其他从阿里巴巴进货的大虾们

MT103 is the format banks use when they effect what is known to a layman as a wire transfer, cable transfer, telegraphic transfer or Swift transfer.

Suppose A has an account with Bank X and he needs to transfer money to B whose account is with Bank Y in another country. A goes to Bank X, fills out a remittance form with all particulars. Bank X debits A’s account and sends a Swift MT103 to Bank Y. Bank Y debits Bank X and credits B’s account and advises B that it has received a remittance.

That is all there is to MT103. Nobody who does not work in the telex room of a bank needs to know any more than that.

MT103 is a definite, authenticated, unconditional transfer of funds. In the above example Bank Y must credit B’s account, nothing more nothing less. There is no such thing as a Conditional MT103.It's another brokerspeak.