Ohmyfin απαντά: What does CNOR mean as a SWIFT reject code?
Η απάντηση του Ohmyfin παρακάτω (στα αγγλικά).
CNOR means 'Creditor Bank not Registered in Payment Scheme'. The BIC code for the beneficiary's bank is not recognised in the relevant payment scheme — it may be expired, unregistered, or the bank is no longer a SWIFT GPI member. The payment cannot be routed to that BIC and is rejected. Ask the beneficiary for an updated BIC from their current bank.
CNOR is an ISO 20022 ExternalReturnReason1Code. It is returned when the BIC in field 57A (Account With Institution / beneficiary bank) cannot be found in the SWIFT BIC directory or is not registered for the payment scheme used (e.g. GPI).
Common causes: the BIC is from a bank that has been acquired or merged (and the old BIC discontinued), the BIC belongs to a bank that is sanctioned and removed from SWIFT, the sender used an old BIC code that has since been updated, or the BIC was typed incorrectly.
What to do: contact the beneficiary and ask them for the current active BIC from their bank's official communication (statement header or account opening letter). Look it up on Ohmyfin's correspondent-bank directory to confirm it is active before resending.
CNOR = Creditor Bank not Registered — BIC is expired, wrong, or unregistered
Common cause: merged/acquired bank with a discontinued BIC
Or: sanctioned bank removed from SWIFT
Fix: get updated BIC directly from beneficiary's bank statement
Verify any BIC on Ohmyfin's correspondent-bank directory before resending
What does CNOR mean as a SWIFT reject code?
CNOR means 'Creditor Bank not Registered in Payment Scheme'. The BIC code for the beneficiary's bank is not recognised in the relevant payment scheme — it may be expired, unregistered, or the bank is no longer a SWIFT GPI member. The payment cannot be routed to that BIC and is rejected. Ask the beneficiary for an updated BIC from their current bank.
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 απαντά
Είναι το Ohmyfin δωρεάν;
Ναι, η παρακολούθηση πληρωμών SWIFT μέσω UETR είναι δωρεάν χωρίς εγγραφή. Με λογαριασμό έχετε πρόσβαση σε ημερήσιο ιστορικό και επιπλέον δωρεάν πόντους.
Τι είναι ο αριθμός UETR;
Το UETR (Μοναδική Αναφορά Συναλλαγής Άκρο προς Άκρο) είναι ένα UUID 36 χαρακτήρων που αποδίδεται σε κάθε πληρωμή SWIFT GPI για παρακολούθηση σε όλη την αλυσίδα ανταποκριτών.
Πόσο διαρκεί μια μεταφορά SWIFT;
Οι περισσότερες πληρωμές SWIFT GPI ολοκληρώνονται εντός 24 ωρών· διασυνοριακές μεταφορές μπορεί να διαρκέσουν 1-5 εργάσιμες ημέρες ανάλογα με τις ενδιάμεσες τράπεζες και το νόμισμα.