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I'm the beneficiary and my SWIFT payment hasn't arrived — what do I do?
Ohmyfin پاسخ میدهد: I'm the beneficiary and my SWIFT payment hasn't arrived — what do I do?
پاسخ Ohmyfin در زیر آمده است (به زبان انگلیسی).
First, ask the sender for the 36-character UETR. Track it on Ohmyfin to see exactly where in the chain the payment is. If it's stuck at an intermediary, ask the sender to file an enquiry. If it shows ACSC/ACCC (credited) but you don't see it, ask your own bank to investigate by UETR — the credit may be sitting in a suspense account.
As the beneficiary you have less direct control than the sender, but you can still drive the investigation. Step 1: get the UETR from the sender — even by phone or screenshot is fine.
Step 2: paste it into the Ohmyfin tracker. You will see live status: in progress at a named correspondent bank, credited at your bank, rejected, or held for compliance.
Step 3: if status shows the payment was credited (ACSC / ACCC) but you don't see it in your account, your bank has received the funds but hasn't applied them yet — usually because of a missing IBAN match, a suspense account, or compliance review. Call your bank and quote the UETR — they can locate the credit immediately.
Step 4: if status shows the payment is stuck at an intermediary, send the screenshot to the sender and ask them to push their bank to file a free MT199 enquiry to the bank holding the funds.
Step 5: if rejected (RJCT), the funds are being returned to the sender — coordinate with the sender to resend with corrected details.
Get the UETR from the sender
Track on Ohmyfin to see exact location in the chain
If credited but missing — call your bank with the UETR
If stuck — sender should file a free MT199 enquiry
If rejected — coordinate with sender for return + resend
I'm the beneficiary and my SWIFT payment hasn't arrived — what do I do?
First, ask the sender for the 36-character UETR. Track it on Ohmyfin to see exactly where in the chain the payment is. If it's stuck at an intermediary, ask the sender to file an enquiry. If it shows ACSC/ACCC (credited) but you don't see it, ask your own bank to investigate by UETR — the credit may be sitting in a suspense account.
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.
پاسخهای Ohmyfin
آیا Ohmyfin رایگان است؟
بله، ردیابی پرداختهای SWIFT از طریق UETR بدون ثبتنام رایگان است. با ایجاد حساب به تاریخچه روزانه و اعتبارهای رایگان اضافی دسترسی خواهید داشت.
شماره UETR چیست؟
UETR (مرجع منحصر به فرد تراکنش انتها به انتها) یک UUID 36 کاراکتری است که به هر پرداخت SWIFT GPI برای ردیابی در سراسر زنجیره بانکهای کارگزار اختصاص مییابد.
انتقال SWIFT چقدر طول میکشد؟
اکثر پرداختهای SWIFT GPI در کمتر از 24 ساعت تکمیل میشوند؛ انتقالهای بینالمللی بسته به بانکهای واسط و ارز ممکن است 1 تا 5 روز کاری طول بکشد.