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).
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:
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).
Yes. Public UETR tracking on Ohmyfin is free, with completely free for individuals worldwide — no daily limit, no card, no signup required.
No. Ohmyfin looks up the SWIFT payment status with just the UETR — no bank login or account required.
No card needed. Free for ordinary users — completely free for individuals — no daily limit, no card required. Track any international wire across 11,000+ banks.
Track a payment now — completely free Or try the tracker now →