What does the SWIFT reject code FOCR mean?

FOCR means 'Return Following Cancellation Request'. The payment is being returned because the sender (or sender's bank) filed a recall / cancellation request (camt.056 or MT n92) and the receiving bank has agreed to return the funds. FOCR is a voluntary and cooperative return — the best possible outcome of a recall.

Details

FOCR is an ISO 20022 ExternalReturnReason1Code. You will see it on the pacs.004 return message (or MT102 in the legacy world) when a bank has accepted a recall request and is sending the funds back to the originator.

FOCR only appears when the recall succeeds — the beneficiary bank or intermediary bank confirms it will return the funds. The opposite outcome (recall rejected) typically returns a CUST or NOAS code.

Timeline: once FOCR appears on the UETR tracker, the funds are typically credited back to the sender's account within 1-3 business days, minus any charges already deducted in the chain.

If you filed a recall and see FOCR on Ohmyfin, the recall worked. Contact your bank to confirm the credit date — they will debit a recall fee (typically $25-100) on the same day.

Key facts

• FOCR = Return Following Cancellation Request — recall was accepted
• Appears when the bank agreed to return funds after a camt.056 / MT n92 recall
• Funds credited back to sender in 1-3 business days after FOCR
• Recall fees still apply: typically $25-100 from sender's bank

Frequently asked questions

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