A SWIFT wire that has not arrived after two business days is delayed, not missing. In 2026, SWIFT GPI means there is almost always a traceable reason — and once you know which bank is sitting on the payment, resolution is usually one phone call or email away.
Step 1: find your UETR. This is the 36-character tracking code (format 8-4-4-4-12) on your wire confirmation. If you do not see it, log in to your bank's online portal and look under the transaction detail — most banks label it "GPI reference", "Unique reference", or "End-to-end ID". If it still is not visible, call the international payments team and ask for the UETR in field 121 of the MT103.
Step 2: paste it into Ohmyfin above. The tracker will show you the latest GPI status and — critically — the name of the last bank that confirmed receipt. If the chain stops at Bank X, Bank X is where the delay is.
Step 3: identify the cause. The four most common reasons a GPI payment sits still are: (a) sanctions / AML screening at a US correspondent bank, which can hold a perfectly legitimate payment for 3–7 days if the beneficiary name resembles an OFAC entry; (b) a missing or malformed field 70 (remittance information), which causes the receiving bank to park the wire pending clarification; (c) a missed RTGS cut-off time — Asian and Middle Eastern RTGS cycles are often in the morning local time, so a late-day payment can sit overnight; (d) compliance hold at the beneficiary bank pending KYC documents from the recipient.
Step 4: contact your sender bank formally. Do not rely on the call-centre agent — ask for the international payments operations desk. Tell them: "My payment with UETR [X] has been in ACSP status for [N] days. Please issue an MT195 inquiry to identify and clear the hold." Write this in an email so it is on the record.
Step 5: set an escalation clock. Banks must respond to MT195 inquiries within 5 business days. If they do not, escalate to your national regulator: the FCA in the UK, CFPB in the US, AMF in France, BaFin in Germany, ASIC in Australia. Filing even a draft complaint accelerates things dramatically.
Step 6: consider a recall if necessary. For delays over 10 business days with no resolution, your sender bank can issue an MT292 recall request. If the funds have not yet been credited to the beneficiary, they can usually be returned (minus correspondent fees). Notify the intended beneficiary before doing this — a recalled payment can cause them to incur return fees on their side.
Prevention for next time: always include a populated field 70 (purpose of payment), ensure the beneficiary name matches exactly what the bank holds, and send major wires before 12:00 local time so they clear the RTGS cut-off in the destination currency.
For major currency corridors (USD, EUR, GBP, JPY) more than 2 business days is unusual in 2026. For minor corridors or first-time large amounts triggering AML review, 3–5 business days is possible. More than 7 business days without a status update warrants a formal MT195 inquiry.
Yes — paste your UETR on Ohmyfin. The GPI tracker shows each bank that has confirmed receipt and the last bank in the confirmed chain is where the delay sits.
Looking up the GPI status is free. Issuing a formal MT195 inquiry may cost 25–75 USD at some banks. A recall (MT292) may incur correspondent return fees. Ask your bank to confirm fees before proceeding.
If you provided an incorrect IBAN or account number, the receiving bank will return the payment — often taking 3–10 business days for the return journey. Your sender bank can also issue a recall to speed this up.
ACSP means "Accepted, Settlement in Process" — the payment is moving but has not yet been credited to the beneficiary's account. It is the normal in-flight status. If ACSP persists for more than 2–3 business days, follow steps 3–5 above.