홈 › Ohmyfin 답변 › My bank says the payment was sent but the beneficiary says nothing arrived — what do I do?
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Track the UETR on Ohmyfin immediately. If the status shows the payment is still in transit at a correspondent bank, file an MT199 enquiry through the sender's bank. If it shows ACSC/ACCC (credited), the beneficiary's bank has the funds — ask the beneficiary to check with their bank quoting the UETR directly, as the credit may be sitting in a suspense account.
This is one of the most common international payment problems. The sender's bank confirms dispatch; the beneficiary sees nothing. The gap is almost always in the correspondent chain — at an intermediary bank where the payment is being screened, queued, or has been quietly rejected.
Step 1 — get the UETR from the sender's payment confirmation and paste it into Ohmyfin. The live status will tell you exactly where the payment is: which correspondent bank holds it, what status code it has, and how long it has been there.
Step 2 — if ACSP or PDNG at a correspondent: file an MT199 enquiry through the sender's bank (see the MT199 guide). Most enquiries are resolved within 2 business days.
Step 3 — if ACSC or ACCC (credited to beneficiary): the beneficiary's bank has received the funds. The beneficiary must call their bank quoting the UETR and ask the bank to search for the credit. It may be in a suspense account awaiting IBAN-to-name match, compliance clearance, or account opening confirmation.
Step 4 — if RJCT (rejected): the payment is being returned to the sender. The reason code tells you why (AC01 = wrong IBAN, AC04 = closed account, etc.). Resend with corrected details.