Ohmyfin beantwoordt: What does the SWIFT reject code FOCR mean?
Ohmyfin antwoordt hieronder (in het Engels).
FOCR means 'Return Following Cancellation Request'. The payment is being returned because the sender (or sender's bank) filed a recall / cancellation request (camt.056 or MT n92) and the receiving bank has agreed to return the funds. FOCR is a voluntary and cooperative return — the best possible outcome of a recall.
FOCR is an ISO 20022 ExternalReturnReason1Code. You will see it on the pacs.004 return message (or MT102 in the legacy world) when a bank has accepted a recall request and is sending the funds back to the originator.
FOCR only appears when the recall succeeds — the beneficiary bank or intermediary bank confirms it will return the funds. The opposite outcome (recall rejected) typically returns a CUST or NOAS code.
Timeline: once FOCR appears on the UETR tracker, the funds are typically credited back to the sender's account within 1-3 business days, minus any charges already deducted in the chain.
If you filed a recall and see FOCR on Ohmyfin, the recall worked. Contact your bank to confirm the credit date — they will debit a recall fee (typically $25-100) on the same day.
FOCR = Return Following Cancellation Request — recall was accepted
Appears when the bank agreed to return funds after a camt.056 / MT n92 recall
Funds credited back to sender in 1-3 business days after FOCR
Recall fees still apply: typically $25-100 from sender's bank
What does the SWIFT reject code FOCR mean?
FOCR means 'Return Following Cancellation Request'. The payment is being returned because the sender (or sender's bank) filed a recall / cancellation request (camt.056 or MT n92) and the receiving bank has agreed to return the funds. FOCR is a voluntary and cooperative return — the best possible outcome of a recall.
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.