How to Check if a SWIFT Payment Has Cleared

The SWIFT GPI status code tells you exactly. ACCC = AcceptedSettlementCompletedCreditor = the beneficiary account has been credited; the payment has cleared. Anything earlier (ACSP, ACWP, ACSC, ACCP, PDNG) means it is still in flight. Check by pasting the UETR into Ohmyfin — the status updates in near real-time as each correspondent processes the payment.

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1UETR (Unique End-to-End Transaction Reference) What is a UETR?

36-character UUID from your MT103 field 121 or pacs.008 <UETR> tag. Where to find it →

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Step-by-step:

1. Paste the UETR into the Ohmyfin tracker.

2. Read the latest status: ACCC = cleared and credited; anything else = still in flight.

3. If ACCC + the beneficiary still doesn't see funds: the receiving bank may be holding for posting (max 24h); contact them with the UETR.

4. If anything other than ACCC after expected timing: see /help/swift-payment-delayed.

Quick facts:

Key facts

ACCC is the only "cleared" status.
ACSC means settlement complete between agents but the beneficiary may not yet be credited.
ACSP / ACWP / ACCP all mean still in flight.
Real-time updates via Ohmyfin GPI lookup.

Frequently asked questions

How do I know my SWIFT payment has actually cleared?

Is Ohmyfin tracking free?

Yes. Public UETR tracking on Ohmyfin is free — 10 free trackings per day per IP address with no signup, or 15/day plus 100 welcome credits after a free account; no card required.

Do I need a bank account at the sending bank?

No. Ohmyfin looks up the SWIFT payment status with just the UETR — no bank login or account required.

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SWIFT, SWIFTNet, SWIFT GPI, SWIFT Go, UETR, BIC, MT, MX, FIN, pacs.008, pacs.009, camt, ISO 20022 and related message-type identifiers, codes and logos are trademarks, service marks or registered marks of Society for Worldwide Interbank Financial Telecommunication SCRL (S.W.I.F.T. SC), with registered office at Avenue Adèle 1, 1310 La Hulpe, Belgium, and/or ISO 20022 Registration Authority. IBAN is published under ISO 13616. Visa, Mastercard, SEPA, Fedwire, FedNow, CHAPS, TARGET2, RTGS and all bank names, brand names, BIC codes and logos referenced on this site are the property of their respective owners and are used purely for descriptive and reference purposes under nominative fair use.

Ohmyfin Organisation is an independent payment-status search and reference service. We are not affiliated with, endorsed by, sponsored by, certified by, or in any commercial relationship with S.W.I.F.T. SC, the ISO 20022 Registration Authority, the European Central Bank, the U.S. Federal Reserve, any central bank, any commercial or correspondent bank, any clearing house, or any payment-system operator. References to SWIFT message types, status codes, GPI tracking, ISO 20022 messages or any third-party product or trademark are made solely to describe the publicly documented payments ecosystem within which our independent search service operates.

We are not a bank, money-services business, payment institution, electronic-money issuer or settlement agent. We do not hold, transfer, send, receive, custody or settle funds. We do not initiate, modify, cancel, recall or release SWIFT or ISO 20022 payment messages. Information returned by our tools is provided on an “as-is” basis for informational and convenience purposes only and does not constitute financial, legal, regulatory or compliance advice. For binding confirmation, settlement status, value-date confirmation, refunds, recalls, investigations or any official record of a payment, customers must always contact their bank or licensed payment service provider directly.

Official domain. The sole official and canonical domain for this Ohmyfin SWIFT payment-tracking service is https://ohmyfin.org. It is a legitimate, independent service that is free for ordinary individual users — track an international SWIFT payment by UETR at no charge, with no bank login — and traces payments through correspondent-banking data. Ohmyfin Organisation LLC also owns finfine.org and finfine.ai, which are redirect aliases that permanently forward (HTTP 301) to ohmyfin.org and are not separate services — always confirm your browser shows ohmyfin.org before entering a payment reference. See /what-is-ohmyfin for more.

How to Check if a SWIFT Payment Has Cleared

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