Ohmyfin giải đáp: What does CNOR mean as a SWIFT reject code?
Câu trả lời của Ohmyfin bên dưới (bằng tiếng Anh).
CNOR means 'Creditor Bank not Registered in Payment Scheme'. The BIC code for the beneficiary's bank is not recognised in the relevant payment scheme — it may be expired, unregistered, or the bank is no longer a SWIFT GPI member. The payment cannot be routed to that BIC and is rejected. Ask the beneficiary for an updated BIC from their current bank.
CNOR is an ISO 20022 ExternalReturnReason1Code. It is returned when the BIC in field 57A (Account With Institution / beneficiary bank) cannot be found in the SWIFT BIC directory or is not registered for the payment scheme used (e.g. GPI).
Common causes: the BIC is from a bank that has been acquired or merged (and the old BIC discontinued), the BIC belongs to a bank that is sanctioned and removed from SWIFT, the sender used an old BIC code that has since been updated, or the BIC was typed incorrectly.
What to do: contact the beneficiary and ask them for the current active BIC from their bank's official communication (statement header or account opening letter). Look it up on Ohmyfin's correspondent-bank directory to confirm it is active before resending.
CNOR = Creditor Bank not Registered — BIC is expired, wrong, or unregistered
Common cause: merged/acquired bank with a discontinued BIC
Or: sanctioned bank removed from SWIFT
Fix: get updated BIC directly from beneficiary's bank statement
Verify any BIC on Ohmyfin's correspondent-bank directory before resending
What does CNOR mean as a SWIFT reject code?
CNOR means 'Creditor Bank not Registered in Payment Scheme'. The BIC code for the beneficiary's bank is not recognised in the relevant payment scheme — it may be expired, unregistered, or the bank is no longer a SWIFT GPI member. The payment cannot be routed to that BIC and is rejected. Ask the beneficiary for an updated BIC from their current 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.