Last reviewed: · Curated by Ohmyfin Organisation editorial.
Same day for GPI; 1-2 days otherwise. US Fedwire cut-off 18:00 ET. USD inbound wires settle on Fedwire or CHIPS. Compliance screening (OFAC, BSA) can add a day for new beneficiaries.
Details
Settlement system: Fedwire / CHIPS.
For most cross-border payments today, "slow" is rarely the SWIFT messaging — it is the compliance and screening layer at the receiving bank, plus the cut-off times of each currency's domestic RTGS.
If your payment is taking longer than expected, the first step is to look it up by UETR on Ohmyfin. The latest available SWIFT status will show you exactly which bank is holding it, so you can chase the right party.
Quick facts
At-a-glance specifications
Topic
SWIFT payment to the US
Typical time
Same day for GPI; 1-2 days otherwise. US Fedwire cut-off 18:00 ET.
Settlement system
Fedwire / CHIPS
Key facts
Typical: Same day for GPI; 1-2 days otherwise. US Fedwire cut-off 18:00 ET.
Sanctions screening on a new beneficiary, missing remittance data, or arrival after the day's RTGS cut-off. Weekends and local public holidays also pause settlement.
Can I track it live?
Yes — paste the UETR (or bank reference) on Ohmyfin and you will see the latest available SWIFT status for the SWIFT payment to the US.
Related — more from payment speed guides and beyond
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