SWIFT Payment Not Received — What To Do
Most "missing" SWIFT payments are still in flight at a correspondent bank. The fastest way to find out is to look up the UETR on Ohmyfin — you will see in 5 seconds whether the payment is settled (ACCC), in flight (ACSP / ACWP), pending compliance (PDNG) or rejected (RJCT).
Details
Step-by-step:
1. Get the UETR from the sender — it is a 36-character UUID with 4 dashes, in field 121 of the MT103 or in the pacs.008 UETR element.
2. Paste the UETR into the Ohmyfin tracker on the homepage.
3. Read the status: ACCC = paid into your account; ACSP = in flight at a correspondent; PDNG = waiting for compliance review; RJCT = rejected, see the reason code at /reject-codes.
4. If ACCC: check with your bank — they may be holding it for posting (24h max).
5. If ACSP / ACWP: wait. Most cross-border payments settle within minutes to 24h once they are on GPI.
6. If PDNG: the holding bank needs more information. Contact the sender to ask which bank is holding it and what they need.
7. If RJCT: read the reason code; the funds will be returned to the sender within 1–5 business days.
Quick facts:
Key facts
- A SWIFT payment can take minutes (GPI same-bank) to 5 business days (cover payments through 3 correspondents).
- The single source of truth is the UETR — not the MT103 PDF, not the bank statement screenshot.
- If the sender refuses to share the UETR, treat the claim of payment as unverified until your own bank confirms a credit.
Frequently asked questions
My SWIFT payment hasn't arrived — what now?
Most "missing" SWIFT payments are still in flight at a correspondent bank. The fastest way to find out is to look up the UETR on Ohmyfin — you will see in 5 seconds whether the payment is settled (ACCC), in flight (ACSP / ACWP), pending compliance (PDNG) or rejected (RJCT).
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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