Ohmyfin giải đáp: What happens after my SWIFT payment shows ACSC status?
Câu trả lời của Ohmyfin bên dưới (bằng tiếng Anh).
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 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.