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EMAIL ADDRESSES IN SWIFT MTs

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QUESTION


Hello again!

May I bother you again with a quick question?

The LC requires B/L to indicate the consignee and notify party including their email addresses, e.g., ABC(AT)STANDARD.COM while the presented BL indicates [email protected]

Is this considered as a discrepancy?

Thank you for your continuous cooperation.

Muna najjar

—-

ANSWER

Hi,

As you may know, a number of characters are not allowed in one or more of the SWIFT character sets such as  < (less than sign), $ (Dollar), % (percent sign), # (number sign), @  (commercial AT sign)…

Every email address contains this sign @, e.g., [email protected] and when you say email address, the sign @ is pronounced AT. To comply with Swift usage rules, when an LC issued in Swift MT 700 Format requires a document to indicate an email address, AT should be used to replace @, e.g., nguyen(AT)mroldman.net.

Conclusion:

The fact that the presented BL indicates email address as [email protected] complies with the LC requirement.  No discrepancy!

Best regards,

Mr. Old Man

 

3 Comments

  1. Anonymous

    July 29, 2026 at 3:46 am

    Hi Mr. Old Man , What about the case where the email in the BL appears as “ABCSTANDARD.COM” without the “@” or “(AT)”?

    Reply

    • Mr Old Man

      July 29, 2026 at 9:00 pm

      I assume this email address appears in the notify party details.

      If the credit stipulates the notify party’s details, including its email address, the notify party information shown in the bill of lading should correspond with the credit requirements.

      In my view, the omission of the “@” symbol or “(AT)” in your specific case may be regarded as a typographical or spelling error, provided there is no ambiguity as to the intended email address. Such an omission could therefore fall within the scope of ISBP 821 paragraph A23, which permits obvious typographical or spelling errors that do not affect the meaning of the data.

      However, as always, the final determination rests with the examining bank, taking into account the specific wording of the credit and whether the omission creates any uncertainty or conflict with the credit requirements.

      Reply

  2. Anonymous

    July 30, 2026 at 12:00 am

    Thank you for your reply. Yes, it was in the notify party details.
    It made me hesitate because in my opinion the email address needs to be correct; otherwise, the notification could fail.It didn’t occur to me that it could be taken as a spelling mistake.

    Reply

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