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My SWIFT payment is stuck for 2 weeks — what should I do?
Ohmyfin răspunde: My SWIFT payment is stuck for 2 weeks — what should I do?
Răspunsul Ohmyfin mai jos (în engleză).
A SWIFT payment stuck for 2 weeks is almost always held at an intermediary bank for sanctions screening or missing beneficiary information. Track the UETR on Ohmyfin to see exactly which bank in the chain has the funds, then ask the sender to lodge an enquiry with that bank.
Cross-border SWIFT payments normally credit in 1-5 business days. A 2-week delay points to one of four causes: sanctions or compliance screening at an intermediary bank, missing or ambiguous beneficiary details (name, address, IBAN), an incorrect or unreachable correspondent BIC, or a recall request that hasn't been completed yet.
Step 1 — track the UETR on Ohmyfin. You will see exactly which bank in the chain currently holds the payment and which status code applies (ACSP, PDNG, RJCT, etc).
Step 2 — share the screenshot with the sender. Ask the sender to file an enquiry with their bank quoting the UETR and the bank that's holding it. The sender's bank can issue an MT199 enquiry to that bank for free.
Step 3 — if the holding bank responds with a sanctions / compliance request, the sender (and beneficiary) need to provide proof of source of funds, invoices or contracts. Without that, the payment can be returned automatically after 30 days.
Step 4 — if no response within 5 business days, the sender can request a recall (camt.056) and re-send the payment with corrected details.
Use Ohmyfin to identify which bank holds the payment
Most 2-week stalls are sanctions / compliance screening
Sender's bank can file a free MT199 enquiry
Provide source-of-funds documentation if requested
After 5 days no response — sender can recall via camt.056
My SWIFT payment is stuck for 2 weeks — what should I do?
A SWIFT payment stuck for 2 weeks is almost always held at an intermediary bank for sanctions screening or missing beneficiary information. Track the UETR on Ohmyfin to see exactly which bank in the chain has the funds, then ask the sender to lodge an enquiry with that bank.
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 răspunde
Ohmyfin este gratuit?
Da, urmărirea plăților SWIFT prin UETR este gratuită fără înregistrare. Cu un cont aveți acces la istoricul zilnic și credite gratuite suplimentare.
Ce este un număr UETR?
UETR (Referința Unică de Tranzacție End-to-End) este un UUID de 36 de caractere atribuit fiecărei plăți SWIFT GPI pentru urmărire pe întregul lanț de bănci corespondente.
Cât durează un transfer SWIFT?
Majoritatea plăților SWIFT GPI se finalizează în 24 de ore; transferurile transfrontaliere pot dura 1-5 zile lucrătoare în funcție de băncile intermediare și monedă.