ACWC — AcceptedWithChange

ACWC (AcceptedWithChange) is an ISO 20022 / pacs.002 status code that means: Accepted, but with a change (usually FX or charges).

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36-character UUID from your MT103 field 121 or pacs.008 <UETR> tag. Where to find it →

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Details

The bank applied a change — typically because charges were deducted or the currency was converted at the bank's rate.

ACWC appears in the status field of a SWIFT payment status query. Ohmyfin surfaces this status when you look up a payment by UETR.

If your payment shows ACWC, the next step depends on the code: ACCC means done; ACSP / ACWP means wait; PDNG means contact the bank holding it; RJCT means request a return and start over.

Quick facts

Settled

If you are the sender

Settlement at the creditor agent is complete with conditional info.

If you are the beneficiary

The beneficiary bank has the funds; conditional info (e.g. partial credit) accompanies them.

Next step: If you expected the full amount and only a partial credit appears, contact the beneficiary bank with the UETR.

At-a-glance specifications
Code	ACWC
ISO 20022 name	AcceptedWithChange
Meaning	Accepted, but with a change (usually FX or charges).
What it tells you	The bank applied a change — typically because charges were deducted or the currency was converted at the bank's rate.

Key facts

Code: ACWC
Full name: AcceptedWithChange
ISO 20022 source: pacs.002 (FIToFIPaymentStatusReport)
Visible in the Ohmyfin payment tracker

Frequently asked questions

What does ACWC mean?

Accepted, but with a change (usually FX or charges).

Is ACWC a final status?

No — the payment is still in flight. Track the UETR for live updates.

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