Ohmyfin が答える：What does the SWIFT reject code FOCR mean?
Ohmyfin の回答は以下のとおりです（英語）。
FOCR means 'Return Following Cancellation Request'. The payment is being returned because the sender (or sender's bank) filed a recall / cancellation request (camt.056 or MT n92) and the receiving bank has agreed to return the funds. FOCR is a voluntary and cooperative return — the best possible outcome of a recall.
FOCR is an ISO 20022 ExternalReturnReason1Code. You will see it on the pacs.004 return message (or MT102 in the legacy world) when a bank has accepted a recall request and is sending the funds back to the originator.
FOCR only appears when the recall succeeds — the beneficiary bank or intermediary bank confirms it will return the funds. The opposite outcome (recall rejected) typically returns a CUST or NOAS code.
Timeline: once FOCR appears on the UETR tracker, the funds are typically credited back to the sender's account within 1-3 business days, minus any charges already deducted in the chain.
If you filed a recall and see FOCR on Ohmyfin, the recall worked. Contact your bank to confirm the credit date — they will debit a recall fee (typically $25-100) on the same day.
FOCR = Return Following Cancellation Request — recall was accepted
Appears when the bank agreed to return funds after a camt.056 / MT n92 recall
Funds credited back to sender in 1-3 business days after FOCR
Recall fees still apply: typically $25-100 from sender's bank
What does the SWIFT reject code FOCR mean?
FOCR means 'Return Following Cancellation Request'. The payment is being returned because the sender (or sender's bank) filed a recall / cancellation request (camt.056 or MT n92) and the receiving bank has agreed to return the funds. FOCR is a voluntary and cooperative return — the best possible outcome of a recall.
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.