Ohmyfin giải đáp: My SWIFT payment is stuck for 2 weeks — what should I do?
Câu trả lời của Ohmyfin bên dưới (bằng tiếng Anh).
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 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.