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I'm the beneficiary and my SWIFT payment hasn't arrived — what do I do?
Ohmyfin ตอบ: I'm the beneficiary and my SWIFT payment hasn't arrived — what do I do?
คำตอบของ Ohmyfin อยู่ด้านล่าง (เป็นภาษาอังกฤษ)
First, ask the sender for the 36-character UETR. Track it on Ohmyfin to see exactly where in the chain the payment is. If it's stuck at an intermediary, ask the sender to file an enquiry. If it shows ACSC/ACCC (credited) but you don't see it, ask your own bank to investigate by UETR — the credit may be sitting in a suspense account.
As the beneficiary you have less direct control than the sender, but you can still drive the investigation. Step 1: get the UETR from the sender — even by phone or screenshot is fine.
Step 2: paste it into the Ohmyfin tracker. You will see live status: in progress at a named correspondent bank, credited at your bank, rejected, or held for compliance.
Step 3: if status shows the payment was credited (ACSC / ACCC) but you don't see it in your account, your bank has received the funds but hasn't applied them yet — usually because of a missing IBAN match, a suspense account, or compliance review. Call your bank and quote the UETR — they can locate the credit immediately.
Step 4: if status shows the payment is stuck at an intermediary, send the screenshot to the sender and ask them to push their bank to file a free MT199 enquiry to the bank holding the funds.
Step 5: if rejected (RJCT), the funds are being returned to the sender — coordinate with the sender to resend with corrected details.
Get the UETR from the sender
Track on Ohmyfin to see exact location in the chain
If credited but missing — call your bank with the UETR
If stuck — sender should file a free MT199 enquiry
If rejected — coordinate with sender for return + resend
I'm the beneficiary and my SWIFT payment hasn't arrived — what do I do?
First, ask the sender for the 36-character UETR. Track it on Ohmyfin to see exactly where in the chain the payment is. If it's stuck at an intermediary, ask the sender to file an enquiry. If it shows ACSC/ACCC (credited) but you don't see it, ask your own bank to investigate by UETR — the credit may be sitting in a suspense account.
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 ตอบ
Ohmyfin ใช้ฟรีหรือไม่?
ใช่ การติดตามการชำระเงิน SWIFT ผ่าน UETR ฟรีโดยไม่ต้องลงทะเบียน การสร้างบัญชีให้คุณเข้าถึงประวัติรายวันและเครดิตฟรีเพิ่มเติม
หมายเลข UETR คืออะไร?
UETR (อ้างอิงธุรกรรมเฉพาะตั้งแต่ต้นถึงปลาย) คือ UUID 36 ตัวอักษรที่กำหนดให้กับการชำระเงิน SWIFT GPI ทุกรายการเพื่อติดตามตลอดห่วงโซ่ธนาคารตัวแทน
การโอนเงิน SWIFT ใช้เวลานานเท่าใด?
การชำระเงิน SWIFT GPI ส่วนใหญ่เสร็จสิ้นภายใน 24 ชั่วโมง การโอนเงินข้ามพรมแดนอาจใช้เวลา 1-5 วันทำการขึ้นอยู่กับธนาคารตัวกลางและสกุลเงิน