Ohmyfin responde: How do I recall a SWIFT payment?
A Ohmyfin responde abaixo. O conteúdo está em inglês.
Contact the sender's bank and request a recall — the bank issues a camt.056 (ISO 20022) or MT n92 (legacy SWIFT) cancellation message to every bank in the chain. Recall before the payment is credited (status ACSP/ACWP) usually succeeds within 1-3 business days. After credit, recall requires the beneficiary's consent.
Only the originator's bank can initiate a SWIFT recall. The customer (you) instructs the bank, and the bank handles the messaging.
Process: 1) Customer submits recall request in writing to the sender's bank, with reason. 2) Bank issues camt.056 to every bank in the chain. 3) Each bank forwards the request to the next leg. 4) The bank holding the funds responds — accept (refund the sender) or reject (with reason).
Reasons banks reject recall: payment already credited and beneficiary refuses to return, beneficiary account closed and funds in suspense, regulatory hold preventing return.
Fees: recall fees are typically EUR 25-100 at the sender's bank, plus each correspondent in the chain may charge EUR 15-30. Many banks waive fees if the recall reason is fraud and the customer reports promptly.
Best practice: track the UETR on Ohmyfin first. If status is still ACSP / PDNG / ACWP at some bank, recall is highly likely to succeed. If status is ACSC / ACCC, expect to negotiate with the beneficiary directly.
Only the sender's bank can initiate the recall
Standard message: camt.056 (ISO 20022) or MT n92
Easy to recall before ACSC/ACCC — hard after
Fees: EUR 25-100 + each correspondent's charge
Track UETR first to assess feasibility
How do I recall a SWIFT payment?
Contact the sender's bank and request a recall — the bank issues a camt.056 (ISO 20022) or MT n92 (legacy SWIFT) cancellation message to every bank in the chain. Recall before the payment is credited (status ACSP/ACWP) usually succeeds within 1-3 business days. After credit, recall requires the beneficiary's consent.
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.