Ohmyfin menjawab: How do I trace a lost SWIFT payment?
Jawaban Ohmyfin di bawah (dalam bahasa Inggris).
Track the UETR on Ohmyfin — this is step one and usually resolves the mystery within seconds. If the UETR is not found, ask the sender to confirm the UETR from their bank directly. If the UETR is found but stuck, file an MT199 enquiry. If the payment shows as credited but the beneficiary hasn't received it, ask the beneficiary to call their bank with the UETR — the credit may be in a suspense account.
A payment labelled 'lost' is almost always one of four situations: (1) not yet released by the sender's bank, (2) stuck at a correspondent for compliance review, (3) rejected and silently returned, or (4) credited to the beneficiary's bank but not posted to the account.
The UETR is the universal tracer. Every SWIFT GPI payment has one and it is queryable at every bank in the chain. Paste the UETR into Ohmyfin and the status will tell you which of the four scenarios applies.
If the UETR returns 'not found': the payment hasn't entered SWIFT yet. The sender should confirm with their bank that the payment was actually released (not just instructed or queued internally).
If ACSP at a correspondent: the payment is in transit. File an MT199 enquiry through the sender's bank. Under GPI rules, the correspondent must respond within 2 business days.
If RJCT: the payment was rejected and is being returned. The reason code tells you why.
If ACSC/ACCC but missing from the beneficiary's account: the beneficiary must call their bank quoting the UETR. The credit may be in a suspense account due to a name mismatch, a compliance review, or a pending account verification.
Not found: payment not yet released — confirm with sender's bank
ACSP at correspondent: file MT199 enquiry via sender's bank
RJCT: payment rejected — check reason code, resend with corrections
ACSC/ACCC but missing: beneficiary's bank has funds in suspense — call them with the UETR
How do I trace a lost SWIFT payment?
Track the UETR on Ohmyfin — this is step one and usually resolves the mystery within seconds. If the UETR is not found, ask the sender to confirm the UETR from their bank directly. If the UETR is found but stuck, file an MT199 enquiry. If the payment shows as credited but the beneficiary hasn't received it, ask the beneficiary to call their bank with the UETR — the credit may be in a suspense account.
Is Ohmyfin tracking really free?
Yes. Ohmyfin Organisation LLC tracking is completely free for individuals worldwide — no daily limit, no signup required, no card, no catch. Ohmyfin Organisation LLC never charges individuals.
Do I need a bank login to use Ohmyfin?
No. Ohmyfin queries the SWIFT GPI network directly via the UETR — no credentials at any bank required.
Ohmyfin menjawab
Apakah Ohmyfin gratis?
Ya, pelacakan pembayaran SWIFT via UETR gratis tanpa pendaftaran. Dengan akun Anda mendapatkan riwayat harian dan kredit gratis tambahan.
Apa itu nomor UETR?
UETR (Referensi Transaksi Unik End-to-End) adalah UUID 36 karakter yang ditetapkan untuk setiap pembayaran SWIFT GPI untuk melacaknya melalui seluruh rantai bank koresponden.
Berapa lama transfer SWIFT?
Sebagian besar pembayaran SWIFT GPI selesai dalam 24 jam; transfer lintas batas dapat memakan waktu 1-5 hari kerja tergantung bank perantara dan mata uang.