Ohmyfin beantwortet: How do I file an MT199 payment enquiry for a stuck SWIFT payment?
Ohmyfin antwortet unten (auf Englisch).
An MT199 enquiry is a free-form SWIFT message the sender's bank sends to any bank in the payment chain asking for an update on a stuck payment. You (the customer) instruct the sender's bank in writing to file one. The bank contacts the intermediary directly and the intermediary is obligated to respond within 2 business days under SWIFT GPI rules.
MT199 is a Free Format Message used between banks within the SWIFT MT network. When a payment is stuck, the originating bank sends an MT199 to the correspondent bank holding the funds, asking for a status update or requesting action.
Step 1 — identify which bank is holding the payment. Track the UETR on Ohmyfin — the live status shows which bank currently has the ACSP or PDNG status. Note the bank name and BIC.
Step 2 — contact the sender's bank. Send a written request (email or secure banking message) quoting: your UETR, the value date, the currency and amount, the beneficiary name and IBAN, and the name/BIC of the bank holding the funds. Ask them to issue an MT199 enquiry to that bank.
Step 3 — wait. Under SWIFT GPI rules, the receiving bank must respond within 2 business days. Many respond within hours. If there is no response after 3 business days, escalate to the sender's bank's corporate / correspondent banking team.
There is no charge to you for filing an MT199 — it is a standard inter-bank message. Some banks may charge an administrative fee (typically $10-30) for processing the enquiry request — ask before filing.
In ISO 20022 / pacs the equivalent is a camt.027 payment investigation message, but in practice most banks still accept MT199 instructions from corporate customers through 2026.
MT199 = free-form SWIFT enquiry from one bank to another
Step 1: track UETR on Ohmyfin to identify which bank is holding the payment
Step 2: instruct your bank in writing (email) to file an MT199 to that bank
Step 3: response expected within 2 business days under GPI rules
No charge to you — bank may charge a $10-30 admin fee
How do I file an MT199 payment enquiry for a stuck SWIFT payment?
An MT199 enquiry is a free-form SWIFT message the sender's bank sends to any bank in the payment chain asking for an update on a stuck payment. You (the customer) instruct the sender's bank in writing to file one. The bank contacts the intermediary directly and the intermediary is obligated to respond within 2 business days under SWIFT GPI rules.
Is Ohmyfin tracking really free?
Yes. Ohmyfin Organisation LLC tracking is completely free for individuals worldwide — no daily limit, no signup required, no card, no catch. Ohmyfin Organisation LLC never charges individuals.
Do I need a bank login to use Ohmyfin?
No. Ohmyfin queries the SWIFT GPI network directly via the UETR — no credentials at any bank required.
Ohmyfin beantwortet häufige Fragen zu SWIFT-Auslandsüberweisungen
Ist Ohmyfin kostenlos?
Ja, die SWIFT-Zahlungsverfolgung per UETR ist ohne Registrierung kostenlos. Mit einem Konto erhalten Sie täglichen Verlauf und weitere Gratis-Credits.
Was ist eine UETR-Nummer?
Die UETR (Unique End-to-End Transaction Reference) ist ein 36-stelliger UUID, der jeder SWIFT-GPI-Zahlung zugewiesen wird, um sie durch die gesamte Korrespondentenkette zu verfolgen.
Wie lange dauert eine SWIFT-Überweisung?
Die meisten SWIFT-GPI-Zahlungen werden innerhalb von 24 Stunden abgewickelt; grenzüberschreitende Überweisungen können je nach Korrespondenzbanken und Währung 1–5 Werktage dauern.