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What happens after my SWIFT payment shows ACSC status?
Ohmyfin απαντά: What happens after my SWIFT payment shows ACSC status?
Η απάντηση του Ohmyfin παρακάτω (στα αγγλικά).
ACSC means AcceptedSettlementCompleted — the payment has settled between the banks but may not yet be credited to the beneficiary's account. The next status is normally ACCC (AcceptedCreditCompleted), which means the funds are in the beneficiary's account and visible. The gap between ACSC and ACCC is usually minutes to hours, occasionally up to 1 business day at slower banks.
ACSC = AcceptedSettlementCompleted: the inter-bank settlement leg is done. Money has moved between banks. The beneficiary's bank has the funds.
ACCC = AcceptedCreditCompleted: the beneficiary's bank has applied the funds to the beneficiary's customer account. The beneficiary can see and use the money.
Why the gap? The beneficiary's bank has internal processing — sanctions screening at the credit stage, IBAN-to-name matching, suspense-account reconciliation. For most banks this is 5-30 minutes. For some retail banks or in some markets, end-of-day batch processing means ACSC at 14:00 might not become ACCC until next-day 09:00.
If status is ACSC for more than 24 hours and no ACCC, ask the beneficiary to call their bank with the UETR — the credit may be sitting in a suspense account due to a name mismatch.
ACSC = inter-bank settlement done; funds at beneficiary's bank
ACCC = funds visible in beneficiary's customer account
Gap usually minutes to hours, occasionally 1 business day
ACSC > 24h with no ACCC — call beneficiary's bank with UETR
What happens after my SWIFT payment shows ACSC status?
ACSC means AcceptedSettlementCompleted — the payment has settled between the banks but may not yet be credited to the beneficiary's account. The next status is normally ACCC (AcceptedCreditCompleted), which means the funds are in the beneficiary's account and visible. The gap between ACSC and ACCC is usually minutes to hours, occasionally up to 1 business day at slower banks.
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.