Ohmyfin giải đáp: Why is my SWIFT payment stuck at a correspondent bank?
Câu trả lời của Ohmyfin bên dưới (bằng tiếng Anh).
A SWIFT payment stuck at a correspondent bank is almost always there for sanctions / compliance screening, missing routing details, or because the next bank in the chain is closed for the weekend or a local holiday. Track the UETR on Ohmyfin to see which correspondent has the payment, then ask the sender's bank to file a free MT199 enquiry.
Correspondent banks (the intermediaries between the sender's bank and the beneficiary's bank) hold payments for legitimate reasons. The most common: sanctions hit at the screening engine (often a false positive on a name), missing or invalid downstream BIC, queue at the receiving correspondent, or local holiday at the next leg.
Use Ohmyfin to identify exactly which correspondent is holding the payment. This is critical — without the bank's name you can't ask anyone the right question.
Then ask the sender to instruct the sender's bank to send an MT199 enquiry to the holding bank quoting the UETR. The MT199 is a free service-message asking 'why is this payment stuck and when will it move?'. Banks normally respond within 1-3 business days.
If the holding bank reports a sanctions or compliance hold, expect the sender (and possibly the beneficiary) to provide source-of-funds documentation, invoices, or KYC information. Without that, the payment will eventually be returned.
If the holding bank reports it's queued for processing, the sender's bank can sometimes ask for prioritisation — especially for GPI member banks.
Most common cause: sanctions / compliance screening
Track UETR on Ohmyfin to identify the holding bank
Sender's bank can file a free MT199 enquiry
Compliance holds need source-of-funds documentation
GPI banks can sometimes request prioritisation
Why is my SWIFT payment stuck at a correspondent bank?
A SWIFT payment stuck at a correspondent bank is almost always there for sanctions / compliance screening, missing routing details, or because the next bank in the chain is closed for the weekend or a local holiday. Track the UETR on Ohmyfin to see which correspondent has the payment, then ask the sender's bank to file a free MT199 enquiry.
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.