Ohmyfin odpowiada: Why is my SWIFT payment on sanctions hold?
Odpowiedź Ohmyfin poniżej (po angielsku).
A SWIFT payment goes on sanctions hold when one of the banks in the chain matches a name, address or country in the payment against an OFAC, EU, UK, UN or local sanctions list. Most holds are false positives (common name matches) and clear within 1-3 business days once compliance reviews. Real matches can take weeks or result in seizure of funds.
Every bank in the SWIFT chain runs the payment through screening engines. The engines check sender, beneficiary, intermediary banks, address fields, and remittance information against active sanctions lists from OFAC (US), HM Treasury (UK), EU Council, UN Security Council, and local regulators.
False positives are common — names like 'Mohammed Khan', 'Ali Hassan', 'Maria Garcia' frequently match names on sanctions lists. The compliance officer reviews the actual payment context (real address, real bank, real business) and usually clears it within 1-3 business days.
True matches: if the actual sender, beneficiary or intermediary is a sanctioned person or entity, the payment is blocked indefinitely and the funds may be frozen. The bank reports to the regulator and the sender / beneficiary may face investigation.
What to do: if your payment is on sanctions hold, ask the sender to provide whatever information compliance needs — typically full beneficiary address, business purpose of the payment, source of funds. Respond fast — slow responses signal evasion and can escalate to a real investigation.
Most importantly: never try to disguise the beneficiary or restructure the payment to avoid screening. That is itself a sanctions violation in most jurisdictions.
Triggered by OFAC, EU, UK, UN sanctions list matches
Most holds are false positives — clear in 1-3 days
Real matches can result in indefinite freeze + investigation
Respond fast and honestly to compliance requests
Never restructure the payment to avoid screening — that is itself illegal
Why is my SWIFT payment on sanctions hold?
A SWIFT payment goes on sanctions hold when one of the banks in the chain matches a name, address or country in the payment against an OFAC, EU, UK, UN or local sanctions list. Most holds are false positives (common name matches) and clear within 1-3 business days once compliance reviews. Real matches can take weeks or result in seizure of funds.
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 odpowiada
Czy Ohmyfin jest bezpłatny?
Tak, śledzenie płatności SWIFT po UETR jest bezpłatne bez rejestracji. Konto daje dostęp do dziennej historii i dodatkowych bezpłatnych kredytów.
Co to jest numer UETR?
UETR (Unikalny End-to-End Identyfikator Transakcji) to 36-znakowy UUID przypisany do każdej płatności SWIFT GPI do śledzenia przez cały łańcuch korespondentów.
Ile trwa przelew SWIFT?
Większość płatności SWIFT GPI jest realizowana w ciągu 24 godzin; przelewy transgraniczne mogą trwać 1-5 dni roboczych w zależności od banków pośredniczących i waluty.