Version 1 - Primary Nav Search

For Companies and Institutions

  • Commercial Banking

    We provide tailored credit, financing, treasury and payment solutions for businesses of all sizes and commercial real estate. Backed by the strength and stability of J.P. Morgan, our dedicated experts deliver industry-specific guidance and services, empowering you to manage cash flow, seize growth opportunities and achieve your strategic goals.

  • Global Corporate Banking

    We help clients achieve their long-term strategic goals through financing, liquidity, payments, risk management and investment banking solutions.

  • Investment Banking

    Providing investment banking solutions, including M&A, capital raising and risk management, for a broad range of corporations, institutions and governments.

  • Payments

    Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more.

Key Links

For Institutional Investors

  • Asset Management

    Putting our long-tenured investment teams on the line to earn the trust of institutional investors.

  • Markets

    Direct access to market leading liquidity harnessed through world-class research, tools, data, and analytics.

  • Securities Services

    Helping institutional investors, traditional and alternative asset and fund managers, broker dealers and equity issuers meet the demands of a rapidly evolving market.

  • Global Research

    Leveraging cutting-edge technology and innovative tools to bring clients industry-leading analysis and investment advice.

  • Prime Services

    Helping hedge funds, asset managers and institutional investors meet the demands of a rapidly evolving market.

  • Global Liquidity Solutions

    Global short-term fixed income strategies designed to help clients manage liquidity through the cycle.

Key Links

For Individuals

  • Wealth Management

    With J.P. Morgan Wealth Management, you can invest on your own or work with an advisor to design a personalized investment strategy. We have opportunities for every investor.

  • Private Bank

    A uniquely elevated private banking experience shaped around you.

  • Personal Investing (UK only)

    Invest with J.P. Morgan Personal Investing, a platform for UK-based clients with the human expertise, intuitive app and tools to help you work towards your long-term goals.

Key Links

For Employers

  • Workplace Solutions

    Enhance your equity compensation offering with solutions designed to empower your employees and bring your reward strategy to life.

Key Links

Who We Serve

Key Links

All Insights

Explore a variety of insights.

Key Links

Insights by Topic

Explore a variety of insights organized by different topics.

Key Links

Insights by Type

Explore a variety of insights organized by different types of content and media.  

Key Links

About Us

We aim to be the most respected financial services firm in the world, serving corporations and individuals in more than 100 countries.

Key Links

What's changing

How it's changing

Returns from clearing – RTGS

Payment returns from RTGS clearing will be automatically applied back to your account.
The return narratives will display the return reason. The return transaction will have a reference of the original transaction to aide reconciliation.

New Purpose of Payment Code – RTGS

A new purpose of payment code is being introduced:

  • POR19 – Purchase of goods or import.

This code should be used when purpose of payment is to purchase goods or pay for imports.

J.P. Morgan Transaction Reference Number – RTGS

The new reference number format will be 12 alphanumeric characters with no fixed values. This replaces the current 12-character format that has the first two characters fixed as ‘FT’ followed by 10 alphanumeric characters.
This will be reflected on your balance and transaction reports as well as your account statements.

Transaction Narrative – RTGS

The narrative structure will be enriched as below.

Example of MT940 Incoming RTGS Receipt

Existing Format

:61:2603180318CR862500,00NTRFNONREF//FT26076VBY5L
Incoming SARIE Transfer -195
:86:/OCMT/SAR862500
/ORDP/ABCD TECH LTD RIYADH/REMI/INTR8403495834970594523S32453932

Tag 61:
  • Current JPM Riyadh payment reference is 12 alphanumeric prefixed with FT
Tag 86:
  • /ORDP/ Sender name
  • /REMI/ - Remittance information – same as /URI/

New Format

:61:2512011201CR862500,00NTRFNONREF//J57SJ5QW50X6
Incoming SARIE Transfer -195
:86:/OCMT/SAR862500/URI/INTR8403495834970594523S32453932/ORDP/ABCD TECH LTD TOP FLOOR MAIN ROAD RIYADH
/FROM/RHJISARIXXX/RJHI260417141384

Tag 61:
  • Incoming reference aligned to same 12‑character CBPR+ format
Tag 86:
  • /ORDP/ Sender name & address
  • /URI/ - Unstructured remittance information
  • /FROM/ - Debtor Agent

Example of MT940 Outgoing RTGS Payment

Existing Format

61:237489352DR452,62NTRFRER0106355624//FT2607634SFQ
Auto Outgoing SARIE Transfer -495
:86:/OCMT/SAR25,05,//ORDP/RAINBOW FOODS PVT LTD
RIYADH051858 SA/11553
/REMI/INTR8403495834970594523S32453932

Tag 61:
  • JPM Riyadh payment reference is 12 alphanumeric characters, prefixed with FT
Tag 86:
  • Contains limited information sets:
  • /OCMT/
  • /ORDP/ (beneficiary name embedded in free text)
  • /REMI/ - Remittance information – same as /URI/

New Format

:61:237489352DR452,62NTRFRER0106355624//HL4XC60648GK
Auto Outgoing SARIE Transfer -495
:86:/OCMT/SAR25,05/URI/INTR8403495834970594523S32453932/ULTD/RAINBOW FOODS PVT LTD
/CDTR/SA1373003351007010830020 SAUDI COMPANY AddL1 C AddL2/ULTB/
MANAGERFLOOR 39 MOUNT ROAD/TO/FABMSARIXXX/PURP/POR01/ROC/E95
7260317104444/gc2260317104514

Tag 61:
  • JPM Riyadh payment reference remains 12 alphanumeric characters
Tag 86:
  • /ORDP/ Sender name & address
  • Additional data elements included in the narrative
  • /URI/ - Unstructured remittance information
  • /CDTR/ - Provides IBAN and Creditor details
  • /ULTB/ - Ultimate Beneficiary
  • /TO/ - Creditor Agent
  • /PURP/ - Purpose code

Narrative Comparison
MT940, Tag 86 – Ordering of information from RTGS payment/receipt

Existing Format - Incoming Receipt

Tag 86:
/OCMT/<InstrdAmt> + /CHGS/Ccy, Amount (if present) + /EXCH/Exchange rate (if present)
/ORDP/ + Ordering Party
/REMI/ - Payment Details (ROC & URI tags are part of this code word for ISO payments)

Existing Format – Outgoing Payment

Tag 86:
/OCMT/<InstrdAmt> + /CHGS/Ccy, Amount (if present) + /EXCH/Exchange rate (if present)
/BENM/+Beneficiary Bank F/O Beneficiary
/REMI/ - Payment Details (ROC & URI tags are part of this code word for ISO payments)

New Format - Incoming Receipt

Tag 86:
/OCMT/<InstrdAmt>
/CHGS/<Charges> (if present)
/Instructed Currency and Amount/Credit Currency and Amount AT FX Rate Applied FXC/N Contract Number
/URI/<UstrdRMTINF> (if available)
/ORDP/Account, Name, Address
/ULTD/Name, Address (if available)
/ULTB/Account, Name, Address
/FROM/Debtor Agent BIC ( if available)
/PURP/<Purposecd>
/ROC/<E2EID>
/RELID/Related remittance Id (if available)
/SRI/<StrtdRMTINF> (if present)

New Format – Outgoing Payment

Tag 86:
/OCMT/<InstrdAmt>
/CHGS/<Charges> (if present)
/Instructed Currency and Amount/Credit Currency and Amount AT FX Rate Applied FXC/N Contract Number
/URI/<UstrdRMTINF> (if present in orginal ICDT then copy content as received)
/ULTD/Name, Address (if present)
/Cdtr/Account, Name, Address
/ULTB/Account, Name, Address (if present)
/TO/Creditor Agent BIC ( if available)
/PURP/<PaymentPurposeCode> /ROC/<E2EID>
/RELID/RelatedRemittanceInformation
/SRI/<StrtdRMTINF> (if present)

24/ 7 Initiation – SADAD bill payment

SADAD payments will be supported 24 hours a day, seven days a week, with the exception of any scheduled downtime periods.

Transaction Narrative – SADAD

The narrative structure will be enriched as below.

Example of MT940 Outgoing SADAD Payment

Existing Format

:61:2607230723DR71701850,86NSTO20000365220203//FT26203T1PZ0
 SADAD Payment -506
:86:/OCMT/SAR71701850,86//REMI//SADAD/020/INV/3101979346263006/BENM/
SW-CHASSARIXXX F/O 1/GAZT 2/KHALED BIN AL WALEED STREET 3/SA/RIYA
DH,41311,ZZ

Tag 61:
• JPM Riyadh payment reference is 12 alphanumeric characters, prefixed with FT

Tag 86:
• Contains limited information sets considering the Payroll Sensitivity
• /OCMT/
• /REMI/ - Remittance information – SADAD Biller Invoice
• /BENM/ - Contains the Branch Wash Account

New Format

:61:2607270727DR1032,00NSTOHZTXXKP7//KGZZ6GJH2R1X
SADAD Payment -506
:86:/OCMT/SAR1032,00/URI//SADAD/126/INV/3002665451251003/ORDP/0273000
186 Abadilla Medicine 1104 ROAD 1403 BLOCK 814 ISA TOWN BH/FROM/CHASSARIXXX/BENM/SA7430400108050690710018 receiverName1 US Essex/P
URP/POR97/ROC/HZTXXKP7

Tag 61:
• JPM Riyadh payment reference remains 12 alphanumeric characters

Tag 86:
• Will continue to have limited information set considering the Payroll Sensitivity
• /OCMT/ -
• /ORDP/ - Client Account Number, Name and Address
• /FROM/ - Client Bank Identifier
• /BENM/ - Beneficiary Details 
• /PURP/ - Purpose code

Narrative Comparison
MT940, Tag 86 – Ordering of information for SADAD Payment

Existing Format

Tag 86:
/OCMT/<InstrdAmt> + /CHGS/Ccy, Amount (if present) + /EXCH/Exchange rate (if present)
/REMI/ - Payment Details (SADAD Biller Invoice Details)
/BENM/+Default JPM Riyadh Branch Identifier F/O Biller Name and Address

New Format

Tag 86:
/OCMT/<InstrdAmt>
/CHGS/ Ccy, Amount (if relevant)
/URI/<UstrdRMTINF> (SADAD Biller Invoice Details)
/ORDP/Account, Name, Address
/ULTD/Name, Address  (if available)
/FROM/Debtor Agent BIC ( if available)
/BENM/Account, Name, Address (Biller Account, Name and Address)
/ULTB/Account, Name, Address (if available)
/PURP/<Purposecd> (if available)
/ROC/<E2EID> (Customer Reference, if available)
/RELID/Related remittance Id (if available)
/SRI/<StrtdRMTINF> (if present)

Enhancement of functionalities available on J.P. Morgan Access® – RTGS

See J.P. Morgan Access changes for RTGS here

Enhancement of SADAD bill payment initiation on J.P. Morgan Access®

See J.P. Morgan Access changes for SADAD here

Introduction of validations on Host-to-Host files and API

See Access changes for H2H and API here