Ohmyfin menjawab: Why is my SWIFT payment delayed?
Jawaban Ohmyfin di bawah (dalam bahasa Inggris).
The most common causes of SWIFT payment delays are: sanctions or compliance screening at an intermediary bank, missing or incorrect beneficiary details, weekend or bank-holiday cut-offs, queueing at smaller correspondent banks, and exotic currencies that route through fewer correspondents. Track the UETR on Ohmyfin to see exactly which bank is causing the delay.
Sanctions screening is the #1 cause of multi-day delays. Every bank in the chain (especially US-touched USD payments) screens sender, beneficiary, intermediaries and reference text against OFAC, EU, UK and UN sanctions lists. A name match — even a false positive — triggers manual review that adds 1-5 days.
Cut-off times: each bank has a daily SWIFT cut-off (often 16:00-18:00 local time). A payment received after cut-off processes the next business day. Friday afternoon payments often don't move until Monday.
Weekend / holidays: USD settlement closes Friday ~22:00 UTC and resumes Sunday ~23:00 UTC. Other currencies close for the local business week. Bank holidays at any country in the chain add a day.
Beneficiary data: missing IBAN, ambiguous beneficiary name, mismatched address, or wrong correspondent BIC all cause manual rework at each leg.
Exotic currencies (PKR, NGN, LKR, etc.) route through a smaller pool of correspondents — queues build up and add days.
Use Ohmyfin to track the UETR and see the exact bank holding the payment. That's the bank to investigate.
Sanctions screening — #1 cause of multi-day delay
Cut-off times: payment after cut-off = next business day
Weekend cut-off for USD: Fri 22:00 UTC → Sun 23:00 UTC
Missing beneficiary details cause rework at each leg
Exotic currencies have fewer correspondents = longer queues
Why is my SWIFT payment delayed?
The most common causes of SWIFT payment delays are: sanctions or compliance screening at an intermediary bank, missing or incorrect beneficiary details, weekend or bank-holiday cut-offs, queueing at smaller correspondent banks, and exotic currencies that route through fewer correspondents. Track the UETR on Ohmyfin to see exactly which bank is causing the delay.
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.