Say hello to MT103: Now you can easily download the MT103 payment confirmation straight from your amnis account. And don’t forget to grab your 2025 bank holiday calendar - you can find the download link at the end of this article!

If you need secure proof that a payment is on its way, the MT103 confirmation is here to help. This standardised SWIFT message is widely accepted as confirmation of payment, detailing everything you need - from date and amount to currency, sender, and recipient.

Why use MT103?

How to get your MT103 confirmation with amnis?

For SWIFT payments made through your multi-currency IBAN, you can easily download the MT103 confirmation in a few clicks from your amnis account. Just go to the payment details, click on the three dots, and download the MT103 file.

At amnis, we believe exceptional support is key to a seamless experience, and that’s where César Madeira comes in. As our customer support lead, César ensures your inquiries are addressed swiftly and in multiple languages. He works closely with our specialised departments to provide the best solutions for your needs, from transaction statuses to compliance-related concerns.

“Working at a fintech company like amnis, which pushes boundaries across languages and regions, is exciting. Our rapid response, flexibility and personalised service distinguish us. We deliver innovative solutions swiftly, setting us apart from larger companies. Customers value our promptness and personal attention.”

No matter how complex the query, César and the team are ready to assist via email, phone, or chat.

Curious to learn more about César and how he defines success in customer support? Check out our latest LinkedIn post for in-depth insights into his role!

We’ve updated our multi-currency logic to give you greater flexibility with your card transactions. This update applies when you’ve selected “Pay in Merchant Currency,” meaning transactions are processed in the merchant’s local currency.

Here’s what’s new: If you’re paying in a currency not yet set up in your amnis account, we’ll automatically debit the amount in your card’s currency, typically the currency of the country where your card was issued. Until now, we’ve automatically added the required currency account for you.

Your advantage with this change: This update gives you complete control over your currency setup. We no longer auto-open new currency accounts, allowing you to manage only the currencies where you already hold funds. Need to add another currency? No problem - open new currency accounts in just one click, at no extra cost.

What stays the same? Enjoy transparent pricing. For your amnis debit card transactions, there are no FX margins or transaction fees, regardless of the currency. Pay with confidence, knowing that what you see is what you pay.

PS: You can always adjust your card settings in the admin area of your amnis account.

We’ve introduced a new option to make VAT tracking more flexible for you!

You can now enable or disable VAT tracking on your card transactions - previously, this was automatically enabled for all accounts.

When VAT tracking is enabled, you and your team can record VAT rates on card transactions, streamlining expense management and bookkeeping for your accounting team. If disabled, VAT rates won’t be requested, simplifying the expense management interface for both logged-in users and public receipt uploads.

Update this setting anytime in the admin area under “Card transaction settings” to match your business needs:

Good to know:

To help you plan international payments wisely, we’ve compiled a comprehensive list of 2025 bank holidays across 25+ currencies. On these holidays, payments sent via traditional payment rails won’t be processed.

Our tip: Make use of the amnis peer-to-peer network for free, real-time transactions - even on holidays!

With amnis, you can earn interest on your currency account balances while enjoying the utmost protection for your funds. The annualized balance cashback rates for October 2024 are as follows:

Learn more about the amnis balance cashback process on our website: