Ohmyfin جواب: What happens after my SWIFT payment shows ACSC status?
Ohmyfin کا جواب نیچے ہے (انگریزی میں)۔
ACSC means AcceptedSettlementCompleted — the payment has settled between the banks but may not yet be credited to the beneficiary's account. The next status is normally ACCC (AcceptedCreditCompleted), which means the funds are in the beneficiary's account and visible. The gap between ACSC and ACCC is usually minutes to hours, occasionally up to 1 business day at slower banks.
ACSC = AcceptedSettlementCompleted: the inter-bank settlement leg is done. Money has moved between banks. The beneficiary's bank has the funds.
ACCC = AcceptedCreditCompleted: the beneficiary's bank has applied the funds to the beneficiary's customer account. The beneficiary can see and use the money.
Why the gap? The beneficiary's bank has internal processing — sanctions screening at the credit stage, IBAN-to-name matching, suspense-account reconciliation. For most banks this is 5-30 minutes. For some retail banks or in some markets, end-of-day batch processing means ACSC at 14:00 might not become ACCC until next-day 09:00.
If status is ACSC for more than 24 hours and no ACCC, ask the beneficiary to call their bank with the UETR — the credit may be sitting in a suspense account due to a name mismatch.
ACSC = inter-bank settlement done; funds at beneficiary's bank
ACCC = funds visible in beneficiary's customer account
Gap usually minutes to hours, occasionally 1 business day
ACSC > 24h with no ACCC — call beneficiary's bank with UETR
What happens after my SWIFT payment shows ACSC status?
ACSC means AcceptedSettlementCompleted — the payment has settled between the banks but may not yet be credited to the beneficiary's account. The next status is normally ACCC (AcceptedCreditCompleted), which means the funds are in the beneficiary's account and visible. The gap between ACSC and ACCC is usually minutes to hours, occasionally up to 1 business day at slower banks.
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 جواب دیتا ہے
کیا Ohmyfin مفت ہے؟
ہاں، UETR سے SWIFT ادائیگی ٹریکنگ رجسٹریشن کے بغیر مفت ہے۔ اکاؤنٹ بنانے پر روزانہ کی تاریخ اور اضافی مفت کریڈٹ ملتے ہیں۔
UETR نمبر کیا ہے؟
UETR (منفرد اینڈ-ٹو-اینڈ ٹرانزیکشن ریفرنس) 36 کیریکٹر کا UUID ہے جو ہر SWIFT GPI ادائیگی کو تفویض کیا جاتا ہے تاکہ پوری چین میں ٹریک کیا جا سکے۔
SWIFT ٹرانسفر میں کتنا وقت لگتا ہے؟
زیادہ تر SWIFT GPI ادائیگیاں 24 گھنٹوں میں مکمل ہوتی ہیں؛ بین الاقوامی ٹرانسفر میں درمیانی بینکوں اور کرنسی کے مطابق 1-5 کاروباری دن لگ سکتے ہیں۔