Last reviewed: · Curated by Ohmyfin Organisation editorial.
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.
Payment Located
SWIFT GPI Network · Real-time status
Payment Not Found
No record found in SWIFT GPI or any correspondent banking data
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If you received a payment document from a third party, verify directly with your own bank before releasing goods or funds. Fake MT103 / pacs.008 confirmations are widely used in advance-fee scams. See our fraud guide →
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Details
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.
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?
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.
Is Ohmyfin tracking free?
Yes. Public UETR tracking on Ohmyfin is free, with completely free for individuals worldwide — no daily limit, no card, no signup 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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