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My SWIFT payment was sent but not received after 3 days — what's happening?
Ohmyfin responde: My SWIFT payment was sent but not received after 3 days — what's happening?
A Ohmyfin responde abaixo. O conteúdo está em inglês.
Three business days is the normal upper bound for a SWIFT payment to complete. If it isn't credited yet, the most common causes are sanctions screening at an intermediary bank, beneficiary-bank cut-off times, a wrong IBAN/BIC that has caused the beneficiary bank to bounce it back, or a public holiday in one of the corridor countries. Track the UETR on Ohmyfin to see exactly which bank is holding it.
First check the live status by UETR. If you see ACSP (accepted, in process) the payment is moving — wait one more business day. If you see PDNG it is parked at one of the banks, usually for compliance review. If you see RJCT the payment has been rejected and the funds will be returned to the sender minus charges.
If the UETR returns not-found, ask the sender to re-confirm the UETR and check whether the SWIFT message has actually left their bank. Sometimes a payment is queued internally and never released.
If everything looks fine on Ohmyfin but the beneficiary still hasn't received it after 5 business days, the sender should file a free MT199 enquiry through their bank. This forces every correspondent in the chain to confirm the position of the payment.
3-5 business days is the realistic outer bound for SWIFT
ACSP = still in flight (wait); PDNG = compliance hold; RJCT = bounced
If UETR returns not-found, the sender hasn't actually released the payment
MT199 enquiry is the official escalation — free to file via the sender's bank
My SWIFT payment was sent but not received after 3 days — what's happening?
Three business days is the normal upper bound for a SWIFT payment to complete. If it isn't credited yet, the most common causes are sanctions screening at an intermediary bank, beneficiary-bank cut-off times, a wrong IBAN/BIC that has caused the beneficiary bank to bounce it back, or a public holiday in one of the corridor countries. Track the UETR on Ohmyfin to see exactly which bank is holding it.
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.