How to get MT103 from bank

To get an MT103 from your bank, log in to your online banking portal and navigate to the transaction history or international transfers section. Look for the specific payment and download the MT103 document, usually available as a PDF in the transaction details. If it's not accessible online, contact your bank's customer service or visit your branch with the transaction reference number and request a copy of the MT103 proof of payment. Some banks may take 1 to 3 business days to provide it.

If you're receiving international payments as an exporter or freelancer, using Skydo makes the process easier. As an RBI-authorised cross-border payments platform, Skydo provides MT103 documentation automatically for every transaction, ensuring you have instant access to payment proof without needing to chase your bank. This streamlines reconciliation and helps you maintain proper records for compliance and tax purposes.