Ohmyfin 解答：Can I cancel a SWIFT payment after it has been sent?
Ohmyfin 的回答如下（英文）。
You can request a recall, but you cannot guarantee it. A recall is a request — the beneficiary bank or beneficiary themselves must agree to return the funds. Ask the sender to contact their bank as fast as possible and request an MT192 / camt.056 recall against the UETR. The earlier you act, the better the chance of recovery.
Once the beneficiary bank has credited the beneficiary's account, the money legally belongs to the beneficiary. The bank cannot debit it back without consent. So speed is everything: a recall sent within the first hour usually succeeds; one sent after 24 hours usually does not.
If the recall is for a payment sent to a fraudulent account, the sender's bank should also file an FBI IC3 report (US), Action Fraud report (UK), or the local equivalent. Many banks now coordinate cross-border fraud recalls within hours via the SWIFT Stop & Recall service.
Track the UETR on Ohmyfin to confirm whether the payment has been credited yet. If the status is still ACSP/ACWP, recall is realistic. If it is ACCC/ACSC, the funds are gone and recall depends on the beneficiary's consent.
MT192 / camt.056 is the official SWIFT recall message
Recall is a request, not a command — beneficiary must agree post-credit
Speed is everything: best chance is within the first hour
If status is still ACSP/ACWP recall is realistic; ACCC = money is gone
Can I cancel a SWIFT payment after it has been sent?
You can request a recall, but you cannot guarantee it. A recall is a request — the beneficiary bank or beneficiary themselves must agree to return the funds. Ask the sender to contact their bank as fast as possible and request an MT192 / camt.056 recall against the UETR. The earlier you act, the better the chance of recovery.
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.