Ohmyfin responde: Can I cancel a SWIFT payment that's already in progress?
A Ohmyfin responde abaixo. O conteúdo está em inglês.
Yes — the sender's bank can issue a recall (camt.056 or MT n92) at any time before the payment is credited to the beneficiary. Once credited (status ACSC / ACCC), recall requires the beneficiary's consent. Recall fees range from EUR 25 to EUR 100 and there is no guarantee of success.
Only the sender's bank can initiate the recall — not the beneficiary, not a third party. The customer instructs the sender's bank, which sends a camt.056 (or in MT format, MT n92) cancellation request to every bank in the chain.
If the payment is still in progress (status ACSP, PDNG, ACWP) the recall usually succeeds within 1-3 business days and the funds are returned (minus correspondent fees of typically EUR 15-30 per leg).
If the payment has already credited the beneficiary (status ACSC or ACCC), the beneficiary's bank cannot debit the account without the beneficiary's permission. The sender must contact the beneficiary directly and ask them to authorise a return.
Common legitimate reasons to recall: wrong account number, duplicate payment, fraud / scam discovered after sending, sanctions concerns. Banks will not recall purely because the customer changed their mind once the funds are in the beneficiary's account.
Track the UETR on Ohmyfin first — if the status is still 'in progress' at any bank in the chain, recall is much more likely to succeed.
Only the sender's bank can initiate (camt.056 / MT n92)
Easy to recall while still in progress (ACSP/PDNG/ACWP)
After ACSC/ACCC — needs beneficiary's consent
Recall fees: EUR 25-100 + each correspondent's fee
Track UETR first to see if recall is even possible
Can I cancel a SWIFT payment that's already in progress?
Yes — the sender's bank can issue a recall (camt.056 or MT n92) at any time before the payment is credited to the beneficiary. Once credited (status ACSC / ACCC), recall requires the beneficiary's consent. Recall fees range from EUR 25 to EUR 100 and there is no guarantee of success.
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 responde
O Ohmyfin é gratuito?
Sim, o rastreamento de pagamentos SWIFT por UETR é gratuito sem necessidade de registo. Com uma conta tem acesso ao histórico diário e mais créditos gratuitos.
O que é um número UETR?
O UETR (Referência de Transação Única de Ponta a Ponta) é um identificador UUID de 36 caracteres atribuído a cada pagamento SWIFT GPI para rastreio em toda a cadeia.
Quanto tempo demora uma transferência SWIFT?
A maioria dos pagamentos SWIFT GPI é concluída em 24 horas; transferências internacionais podem demorar 1 a 5 dias úteis conforme os bancos intermediários e a moeda.