This message type is sent by a financial institution to another financial institution.
It is used to request information or clarification relating to a previous SWIFT or non-SWIFT message or to one or more transactions contained therein.
A query may also be sent to request that an amendment be made to a previous message, except in those cases where a specific message, or facility within a message, has been provided for this purpose in the related category, eg, MT 707, AMEND in field 22 of the MT 300.
If related to a SWIFT message, the category digit of the related message.
If not related to a SWIFT message, the category digit which best describes the business purpose of the message.
| Status | Tag | Field Name | Content/Options | No. |
| M | 20 | Transaction Reference Number | 16x | 1 |
| M | 21 | Related Reference | 16x | 2 |
| M | 75 | Queries | 6*35x | 3 |
| O | 77A | Narrative | 20*35x | 4 |
| O | 11a | MT and Date of the Original Message | R or S | 5 |
| O | 79 | Narrative Description of the Message to Which the Query Relates | 35*50x | 6 |
| O | Copy of at least the Mandatory Fields of the Original Message | Copy of fields | 7 | |
C1. Either field 79 or a 'Copy of at least the mandatory fields of the message to which the query relates', but not both, may be present in the message .
The MT n95 should not be used to enquire about the fate of documents sent for collection. The MT 420 is intended for this purpose.
All queries that relate to the same initial message, should refer to that initial message in field 21 of this message.
The message to which the MT n95 Queries is related may be quoted in part or in full.
The MT n95 Queries always requires a response, preferably by an MT n96 Answers.
The use of the MT n95 in association with the MT 105 and MT 106 EDIFACT Envelope must be in accordance with the specific guidelines detailed in the appropriate volume of the EDIFACT Message Implementation Guides (MIGs).
The MT 295 must be used in the Cheque Truncation environment when the Issuer's Financial Institution finds something is wrong or is missing relative to one or more truncated cheques previously sent in an MT 206. In this case, the wrong/missing cheque does not result in re-crediting or re-debiting of the related account.