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When you make an international wire transfer (MT103 SWIFT) you can choose who pays the transfer charges. BEN, SHA, OUR are codes in a SWIFT instruction,The MT 103 is a General Use message, that is, no registration in a Message User Group This message may only be used for clean payment instructions. When making a SWIFT payment, you'll come across something called a MT103 document. Banks can enclose payment instructions, but they can also process Once your payment has been dispatched, you can retrieve your MT103 by logging into your Money Mover account, selecting your completed payments and clicking '