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What does DNOR mean as a SWIFT reject code?
Ohmyfin עונה: What does DNOR mean as a SWIFT reject code?
תשובת Ohmyfin למטה (באנגלית).
DNOR means 'Debtor Bank not Registered in Payment Scheme'. The BIC of the originating (sender's) bank is not recognised in the relevant payment scheme. This is rare and indicates a configuration issue at the sender's bank side — not something the customer can fix. The sender's bank must resolve it with SWIFT directly.
DNOR is the mirror of CNOR — it applies to the debtor (sender) bank rather than the creditor (beneficiary) bank. It means a receiving bank in the chain has rejected the payment because the originating bank's BIC is not registered in the payment scheme being used.
This is extremely unusual in normal GPI traffic because all banks that send SWIFT messages are by definition registered in SWIFT. DNOR more commonly appears in domestic payment scheme contexts (e.g. SEPA Instant Credit Transfer) where not all banks are registered in the instant scheme.
What to do: contact your (sender's) bank immediately and report the DNOR reject. This is entirely their issue to resolve — either their BIC registration has lapsed or there is a configuration error on their end. Demand they resend the payment through a route that works, or escalate to their correspondent banking team.
DNOR = Debtor Bank not Registered — sender's bank BIC not in the payment scheme
Rare in normal GPI; more common in domestic scheme contexts (SEPA Instant, etc.)
This is the sender's bank's error — not the customer's problem
Report to sender's bank and demand they resolve + resend
What does DNOR mean as a SWIFT reject code?
DNOR means 'Debtor Bank not Registered in Payment Scheme'. The BIC of the originating (sender's) bank is not recognised in the relevant payment scheme. This is rare and indicates a configuration issue at the sender's bank side — not something the customer can fix. The sender's bank must resolve it with SWIFT directly.
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 עונה
האם Ohmyfin חינמי?
כן, מעקב אחר תשלומי SWIFT לפי UETR חינמי ללא רישום. עם חשבון תקבלו היסטוריה יומית וקרדיטים חינמיים נוספים.
מה זה מספר UETR?
UETR (ייחוס עסקה ייחודי מקצה לקצה) הוא UUID של 36 תווים המוקצה לכל תשלום SWIFT GPI למעקב לאורך כל שרשרת בנקי הכתב.
כמה זמן לוקח העברת SWIFT?
רוב תשלומי SWIFT GPI מסתיימים תוך 24 שעות; העברות בינלאומיות עשויות לקחת 1-5 ימי עסקים בהתאם לבנקים המתווכים ולמטבע.