swift

To view this email as a web page, click
https://view.mailing.swift.com/?qs=6f3f59375519ccd7a3cc60ef71d5b578163bfc3942f982a702d9498d7442a0af388b9e1216b59fc01077f603c616f611043c6fcea5a52820394c2db7e14cc29da734c82e0abd2efd1bd51c00b841af17
here.



https://click.mailing.swift.com/?qs=0404f7ca34d6620a7d432a819fdbb3c437ae480c4e5460363635c1b5deba0f4453d10e4e704be7b11e1aea2745ee22e895a6c0033df6b15c



Dear Lucas,

As you are aware, in November 2022, Universal Confirmations became mandatory to align with the financial industry’s goals for more transparent cross-border payments. Universal Confirmations require all Swift users in the SUPE and PSPA categories to confirm the outcome of Customer Credit Transfers (MT103, pacs.008, including multiformat messages) within two business days.


We’re committed to driving continuous improvement to meet the industry’s demands for faster, more transparent transactions. As a result, we’ll be working closely with our community in the coming months to maintain already high Universal Confirmation rates and improve them where needed.


Affected products/services


Swift Universal Confirmations Customer Credit Transfer (MT 103 and pacs.008) customers


We’ve noticed that your institution’s Universal Confirmations score at the BIC8 level is below the required 80% threshold. Please note that this data is for the period of June 2025.


<table cellspacing="0" width="100%" cellpadding="5" border="1" style="mso-table-lspace:0px; mso-table-rspace:0px; mso-cellspacing: 0px; mso-padding-alt: 5px 5px 5px 5px; border-collapse:collapse;width:100%;"><tr><th style="word-break: normal; hyphens: auto;font-family: Arial, Helvetica, sans-serif; font-size: 11px; line-height: 12px; color:#222;text-align:center;">BIC8</th><th style="word-break: normal; hyphens: auto;font-family: Arial, Helvetica, sans-serif; font-size: 11px; line-height: 12px; color:#222;text-align:center;">Universal Confirmations score</th></tr><tr><td style="word-break: normal; hyphens: auto;font-family: Arial, Helvetica, sans-serif; font-size: 11px; line-height: 13px; color:#222;text-align:center;">TOPZBRRS</td><td style="word-break: normal; hyphens: auto;font-family: Arial, Helvetica, sans-serif; font-size: 11px; line-height: 13px; color:#222;text-align:center;">0%</td></tr></table>


To comply with the Universal Confirmations requirements, financial institutions must confirm at least 80% of their weekly CCT payments traffic within two business days. This confirmation includes payments that have been either credited to the end beneficiary, rejected, placed on-hold, or transferred to an agent outside of Swift.


Impact


Failure to meet the required 80% threshold will result in your institution:


Being identified as a non-compliant entity within the community.


Losing access to the tracking features of the Basic Tracker.


Required actions


To address this, we recommend that you:


Consult the latest available version of the Universal Confirmations Rulebook.


Review your Universal Confirmations compliance score via the Basic Tracker and identify if any BIC is flagged as RED or AMBER.


Investigate and resolve any technical blockers that are preventing automated confirmations.


Evaluate and update any teams or processes needed for manual confirmations.


Conduct a detailed analysis on the causes of non-confirmations.


More information


For more information, please refer to the following documents:


https://click.mailing.swift.com/?qs=0404f7ca34d6620ab38e1463680d91f7690fe6aadba185e93bd5f231e24f5313fd43150d48131a7e8a7657fbb8c39c993fce76d95d66eb8f
Universal Confirmations Rulebook


https://click.mailing.swift.com/?qs=0404f7ca34d6620ab4f0feaa582fff7293aa147b0d65bfd69f48f50f4e5cd145c41711a5f17bdfb0015b841bff17efd0c612339c42b2d7d4
Basic Tracker Operations Guide


https://click.mailing.swift.com/?qs=0404f7ca34d6620a98b4e9745cb82ccd88c72b1684b9cdc4cceb8ef0e22600924ac3387129c7ca9c4fd80b3062b2d6cb087e5edb4d6be6b6
Step-by-Step Connection Guide for Basic Tracker


Should you need any further assistance, you can reach out to
mailto:UC.Campaign.Contact@swift.com?subject=
UC.Campaign.Contact@swift.com .

Please do not reply to this email as this mailbox is not actively monitored.


Regards,
Swift






Stay up to date
https://click.mailing.swift.com/?qs=0404f7ca34d6620a57fd11c770ad422c77d58ec1b1abcb412b9f7189b1895a0659472b2947dcdf380acf69c90453592bb1294ecac4f0c2c2

https://click.mailing.swift.com/?qs=0404f7ca34d6620a2fc4a51d5c3d3f6644ece63d65a9a817fcc4d6e322ae870e6e56203e97e225a1c86fb918380ab2759f62fc1769ad05e8

https://click.mailing.swift.com/?qs=0404f7ca34d6620ab1d780430f67e4036a6b935c99706011e416964c494c6025add73decce39ac57c381b9d6ea06df1ba3cf1bd507537c84

https://click.mailing.swift.com/?qs=0404f7ca34d6620aefeb3752e26c3045717aedac6e04b27c004cb43fe1dce4f05e3c10a9d72dcb6e512e6a29ac5d802b6e106801d72436b5


<span style="font-weight: bold;"><strong>Secure mailing practices</strong></span><br />Don't be fooled. Email sender and embedded links can easily be spoofed. Therefore, emails from Swift are always digitally signed and, as a receiver, you need to verify the signature. In rare circumstances, our emails may contain embedded links. You must check that:
<ul>
<li>Access to Swift's website is visible in your browser address bar,</li>
<li>It uses secure HTTPS protocol, and</li>
<li>A valid certificate is assigned to Swift's website.</li>
</ul>
<p>Swift will never ask you to change your credentials by email, unless you requested a change yourself.</p>
<br />
<br />
This e-mail and any attachments thereto may contain information, which is confidential and/or proprietary and intended for the sole use of the recipient(s) named above. If you have received this e-mail in error, please immediately notify the sender and delete the mail. Thank you for your co-operation. Swift reserves the right to retain e-mail messages on its systems and, under circumstances permitted by applicable law, to monitor and intercept e-mail messages to and from its systems.



https://click.mailing.swift.com/?qs=0404f7ca34d6620a058ea7f5979865f5ad705a1701dfde837d7d7711b08699795171a84a45fb81927806b114e321619ad31bcd5746b82a52
Contact us
https://click.mailing.swift.com/?qs=0404f7ca34d6620a4fb019bdc9384fab20b956da157d00ae27a09ccd400c2cff509980f4860088204aefd81cf2ae59a48f9ec2fa480e5275
Privacy statement
https://click.mailing.swift.com/?qs=0404f7ca34d6620a83fa4aa3ad0a5c98c3e44aeb8431db9406ac0993f3cd741a70c2ba453e66722b03ebbd8401c793b31ad036d48a81c31e
Terms of use




[attachment: smime.p7s]