Last reviewed: · Curated by Ohmyfin Organisation editorial.
Worried about a wire that has not arrived? Use Ohmyfin to check its latest available SWIFT status. Most international wires settle within hours but can take 1-3 business days.
How it works — 3 steps
Step 1 · PasteDrop your UETR, MT103 reference or pacs.008 EndToEndId into the form above.
Step 2 · ScanOhmyfin queries the SWIFT correspondent network and decodes the latest status in 2-6 seconds.
Step 3 · ReadSee the plain-English status, every correspondent bank, value date, currency and per-hop fees.
What you get
Live status by UETR or bank reference
See where the wire is right now
Decode delays caused by sanctions or cut-off times
Free, no account, no card
At-a-glance
International Wire Transfer Status — at-a-glance specifications
Tool type
Live wire-transfer status
Inputs accepted
UETR or bank reference
Typical settlement
Same day for GPI, 1-3 days otherwise
Status codes decoded
ISO 20022 + GPI
Price for individuals
Free worldwide
Frequently asked questions
Why is my wire taking so long?
Common reasons: sanctions screening, weekend cut-offs, queues at intermediary banks, or missing beneficiary details. Ohmyfin tells you which.
What status means "money has arrived"?
ACSC (Accepted Settlement Completed) or ACCC (Accepted Settlement Completed Customer Credit) — both mean the beneficiary bank has credited the customer account.
What status means "still in transit"?
ACSP (Accepted Settlement In Process) means the wire is moving between correspondents but has not yet reached the beneficiary bank.
What status means "rejected"?
RJCT means the payment was rejected — usually sanctions screening, invalid account or missing beneficiary data. Funds typically return to the sender within 1-3 business days.
What if status is "PDNG"?
PDNG (Pending) means the payment is held for further review — usually compliance or sanctions screening. Most PDNG releases automatically within 1-3 business days; ask your bank if it persists.