MT799 is free-format bank-to-bank messaging. Fraud packs abuse the label: screenshots and PDFs titled “MT799 pre-advice” claim Sparkasse, Alfa, İşbank, or other names are “ready” for a huge transfer — then the middleman asks for fees to “release” the next step.
Tip streams have shown the same template recycled across different “scammer” entity names. The bank branding is the hook; the fee is the harvest.
Rule If your own bank cannot see or confirm the traffic, the “MT799” is not a bank message. It is a marketing graphic.
What to do
- Never pay to “authenticate” a message you cannot see on a bank channel
- Preserve the file hash and full chat for tips
- Compare entity names to corporate registries
See also CF-006 MT103 theatre and CF-010 FTP procedures.
Standards: Educational case patterns and public-source red flags. Not legal advice. We do not invent convictions. Verify every bank claim through official channels.
Tips: tip desk · all case files.