בית › Ohmyfin עונה › How do I recall a SWIFT payment?
תשובת Ohmyfin למטה (באנגלית).
Contact the sender's bank and request a recall — the bank issues a camt.056 (ISO 20022) or MT n92 (legacy SWIFT) cancellation message to every bank in the chain. Recall before the payment is credited (status ACSP/ACWP) usually succeeds within 1-3 business days. After credit, recall requires the beneficiary's consent.
Only the originator's bank can initiate a SWIFT recall. The customer (you) instructs the bank, and the bank handles the messaging.
Process: 1) Customer submits recall request in writing to the sender's bank, with reason. 2) Bank issues camt.056 to every bank in the chain. 3) Each bank forwards the request to the next leg. 4) The bank holding the funds responds — accept (refund the sender) or reject (with reason).
Reasons banks accept recall: wrong beneficiary account, duplicate payment, fraud or scam discovered, money-laundering concern, customer error.
Reasons banks reject recall: payment already credited and beneficiary refuses to return, beneficiary account closed and funds in suspense, regulatory hold preventing return.
Fees: recall fees are typically EUR 25-100 at the sender's bank, plus each correspondent in the chain may charge EUR 15-30. Many banks waive fees if the recall reason is fraud and the customer reports promptly.
Best practice: track the UETR on Ohmyfin first. If status is still ACSP / PDNG / ACWP at some bank, recall is highly likely to succeed. If status is ACSC / ACCC, expect to negotiate with the beneficiary directly.