Ohmyfin giải đáp: Can I cancel a SWIFT payment that's already in progress?
Câu trả lời của Ohmyfin bên dưới (bằng tiếng Anh).
Yes — the sender's bank can issue a recall (camt.056 or MT n92) at any time before the payment is credited to the beneficiary. Once credited (status ACSC / ACCC), recall requires the beneficiary's consent. Recall fees range from EUR 25 to EUR 100 and there is no guarantee of success.
Only the sender's bank can initiate the recall — not the beneficiary, not a third party. The customer instructs the sender's bank, which sends a camt.056 (or in MT format, MT n92) cancellation request to every bank in the chain.
If the payment is still in progress (status ACSP, PDNG, ACWP) the recall usually succeeds within 1-3 business days and the funds are returned (minus correspondent fees of typically EUR 15-30 per leg).
If the payment has already credited the beneficiary (status ACSC or ACCC), the beneficiary's bank cannot debit the account without the beneficiary's permission. The sender must contact the beneficiary directly and ask them to authorise a return.
Common legitimate reasons to recall: wrong account number, duplicate payment, fraud / scam discovered after sending, sanctions concerns. Banks will not recall purely because the customer changed their mind once the funds are in the beneficiary's account.
Track the UETR on Ohmyfin first — if the status is still 'in progress' at any bank in the chain, recall is much more likely to succeed.
Only the sender's bank can initiate (camt.056 / MT n92)
Easy to recall while still in progress (ACSP/PDNG/ACWP)
After ACSC/ACCC — needs beneficiary's consent
Recall fees: EUR 25-100 + each correspondent's fee
Track UETR first to see if recall is even possible
Can I cancel a SWIFT payment that's already in progress?
Yes — the sender's bank can issue a recall (camt.056 or MT n92) at any time before the payment is credited to the beneficiary. Once credited (status ACSC / ACCC), recall requires the beneficiary's consent. Recall fees range from EUR 25 to EUR 100 and there is no guarantee of success.
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 giải đáp
Ohmyfin có miễn phí không?
Có, theo dõi thanh toán SWIFT qua UETR miễn phí mà không cần đăng ký. Tạo tài khoản để truy cập lịch sử hàng ngày và tín dụng miễn phí bổ sung.
Số UETR là gì?
UETR (Tham chiếu Giao dịch Duy nhất Đầu cuối) là UUID 36 ký tự được gán cho mỗi thanh toán SWIFT GPI để theo dõi qua toàn bộ chuỗi ngân hàng đại lý.
Chuyển tiền SWIFT mất bao lâu?
Hầu hết thanh toán SWIFT GPI hoàn tất trong 24 giờ; chuyển tiền quốc tế có thể mất 1-5 ngày làm việc tùy theo ngân hàng trung gian và loại tiền tệ.