Ohmyfin beantwoordt: What does ACWP status mean on a SWIFT payment?
Ohmyfin antwoordt hieronder (in het Engels).
ACWP (AcceptedWithoutPosting) means the beneficiary bank has accepted the payment from its correspondent but has not yet posted it to the beneficiary's account. It usually progresses to ACCC (credited) within minutes to a few hours. If it sits at ACWP for over a day, ask the beneficiary to check with their bank — the account may need extra information.
ACWP is one of the standard ISO 20022 / pacs.002 status codes. It signals that the funds are at the beneficiary's bank, screening has passed, but the credit hasn't hit the customer ledger yet. Common reasons for the delay: end-of-day batch posting, beneficiary account requires manual review, holiday in the beneficiary's country.
On Ohmyfin you'll see ACWP appear on the live status track once the last correspondent has handed off to the beneficiary bank. The next status is normally ACCC (Accepted, Credit Settlement Completed) — that is when the beneficiary actually has the money.
ACWP = funds at beneficiary bank, not yet posted to customer
Normally progresses to ACCC within minutes to hours
If stuck >24h: beneficiary should ask their bank for the reason
Common causes: batch posting, manual review, public holiday
What does ACWP status mean on a SWIFT payment?
ACWP (AcceptedWithoutPosting) means the beneficiary bank has accepted the payment from its correspondent but has not yet posted it to the beneficiary's account. It usually progresses to ACCC (credited) within minutes to a few hours. If it sits at ACWP for over a day, ask the beneficiary to check with their bank — the account may need extra information.
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.