홈 › Ohmyfin 답변 › How do I file an MT199 payment enquiry for a stuck SWIFT payment?
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An MT199 enquiry is a free-form SWIFT message the sender's bank sends to any bank in the payment chain asking for an update on a stuck payment. You (the customer) instruct the sender's bank in writing to file one. The bank contacts the intermediary directly and the intermediary is obligated to respond within 2 business days under SWIFT GPI rules.
MT199 is a Free Format Message used between banks within the SWIFT MT network. When a payment is stuck, the originating bank sends an MT199 to the correspondent bank holding the funds, asking for a status update or requesting action.
Step 1 — identify which bank is holding the payment. Track the UETR on Ohmyfin — the live status shows which bank currently has the ACSP or PDNG status. Note the bank name and BIC.
Step 2 — contact the sender's bank. Send a written request (email or secure banking message) quoting: your UETR, the value date, the currency and amount, the beneficiary name and IBAN, and the name/BIC of the bank holding the funds. Ask them to issue an MT199 enquiry to that bank.
Step 3 — wait. Under SWIFT GPI rules, the receiving bank must respond within 2 business days. Many respond within hours. If there is no response after 3 business days, escalate to the sender's bank's corporate / correspondent banking team.
There is no charge to you for filing an MT199 — it is a standard inter-bank message. Some banks may charge an administrative fee (typically $10-30) for processing the enquiry request — ask before filing.
In ISO 20022 / pacs the equivalent is a camt.027 payment investigation message, but in practice most banks still accept MT199 instructions from corporate customers through 2026.