Why Is My SWIFT Payment Delayed?

The most common causes of SWIFT delays are: (1) compliance / sanctions screening (PDNG status), (2) corridor cut-off times — payments sent late in the day go out the next business day, (3) intermediary bank holding, (4) missing or invalid data triggering manual review, (5) currency-specific RTGS hours (e.g. Fedwire closes 18:30 ET, TARGET2 closes 18:00 CET).

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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. Track the UETR on Ohmyfin to see exactly which bank is holding the payment.

2. If status is PDNG: contact your bank and ask which intermediary is holding it and what is needed.

3. If status is ACSP for >24h: ask your bank to send a SWIFT investigation (MT n95 / camt.027) to the holding bank.

4. If status is ACCC but the beneficiary still doesn't see the money: the holding bank should already have credited the beneficiary; contact them with the UETR.

Quick facts:

Key facts

Typical SWIFT GPI same-currency: minutes to 4 hours.
Cross-currency through 1 correspondent: 1–24 hours.
Cross-currency through 2–3 correspondents: 24–72 hours.
High-risk corridor + compliance screening: up to 5 business days.

Frequently asked questions

My SWIFT payment is taking longer than expected — why?

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.

Why Is My SWIFT Payment Delayed?

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