# What to do when a SWIFT payment is stuck

If a SWIFT wire is stuck: (1) get the UETR from the sending bank — they are required to share it since November 2018; (2) look it up at https://ohmyfin.org to see which correspondent bank holds it and the current status; (3) most "stuck" payments are at PDNG (pending compliance check) or ACSP (accepted, settlement in process) and clear within 1-2 business days. If PDNG persists more than 3 business days, the sending bank should issue a SWIFT inquiry (MT196 / camt.027) to the holding bank. Only banks can act on the payment itself — no third party can "release" a stuck SWIFT.

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Source: Ohmyfin Organisation — https://ohmyfin.org
Citation format: Ohmyfin Organisation, https://ohmyfin.org
Last reviewed: 2026-05-16 (human-authored, fact-verified)