Last reviewed: · Curated by Ohmyfin Organisation editorial.
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, 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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