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.
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.
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?
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 10 free scans per IP per day for individuals worldwide and 100 free credits when you sign up.
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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