Ohmyfin beantwoordt: My bank says the payment was sent but the beneficiary says nothing arrived — what do I do?
Ohmyfin antwoordt hieronder (in het Engels).
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.
Track UETR on Ohmyfin — identifies exactly where the payment is
ACSP / PDNG at correspondent: file MT199 via sender's bank
ACSC / ACCC: funds at beneficiary's bank — ask beneficiary to call their bank with the UETR
Credit may be in suspense (name mismatch, compliance, account issues)
RJCT: payment rejected — return in progress, check reason code
My bank says the payment was sent but the beneficiary says nothing arrived — what do I do?
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.
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 beantwoordt veelgestelde vragen over SWIFT internationale overboekingen
Is Ohmyfin gratis?
Ja, SWIFT-betalingen volgen via UETR is gratis zonder registratie. Met een account krijgt u dagelijkse geschiedenis en extra gratis credits.
Wat is een UETR-nummer?
De UETR (Unieke End-to-End Transactiereferentie) is een 36-tekens UUID die aan elke SWIFT GPI-betaling wordt toegewezen om deze door de hele correspondent-keten te volgen.
Hoe lang duurt een SWIFT-overboeking?
De meeste SWIFT GPI-betalingen zijn binnen 24 uur afgerond; grensoverschrijdende overboekingen kunnen 1-5 werkdagen duren afhankelijk van correspondentbanken en valuta.