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What does RJCT status mean on my SWIFT payment?
Ohmyfin 답변: What does RJCT status mean on my SWIFT payment?
Ohmyfin의 답변은 아래에 있습니다 (영어).
RJCT (Rejected) means one of the banks in the chain has rejected the payment outright. The funds are being (or have been) returned to the sender minus correspondent-banking charges. The most common reasons are invalid IBAN/BIC, sanctions match, account closed, or insufficient information on the ordering customer (FATF Rule 16).
Every RJCT carries a reason code from the ISO 20022 ExternalReturnReason1Code list. Common ones: AC01 (account incorrect), AC04 (account closed), AC06 (account blocked), AM05 (duplicate), MS03 (reason not specified), FF01 (invalid file format), CUST (requested by customer), AGNT (requested by agent), SANC (sanctions hit).
Track the UETR on Ohmyfin to see the rejection reason code on the live status. Then ask the sender's bank for the full return message — it always names the rejecting bank and the reason.
Once the funds are returned, the sender can re-issue the payment with corrected details. Note that the original charges are usually not refunded.
RJCT = the payment was rejected outright by one of the banks
Reason codes follow ISO 20022 ExternalReturnReason1Code
Funds return to sender minus correspondent charges (not refunded)
RJCT (Rejected) means one of the banks in the chain has rejected the payment outright. The funds are being (or have been) returned to the sender minus correspondent-banking charges. The most common reasons are invalid IBAN/BIC, sanctions match, account closed, or insufficient information on the ordering customer (FATF Rule 16).
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.
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Ohmyfin은 무료인가요?
네, UETR로 SWIFT 결제를 추적하는 것은 등록 없이 무료입니다. 계정을 만들면 일별 이력과 추가 무료 크레딧을 이용할 수 있습니다.
UETR 번호란 무엇인가요?
UETR(고유 종단 간 거래 참조)은 모든 SWIFT GPI 결제에 할당된 36자리 UUID로, 전체 환거래 은행 체인을 통해 추적하는 데 사용됩니다.
SWIFT 송금은 얼마나 걸리나요?
대부분의 SWIFT GPI 결제는 24시간 이내에 완료됩니다. 국제 송금은 중개 은행과 통화에 따라 1-5 영업일이 소요될 수 있습니다.