Last reviewed: · Curated by Ohmyfin Organisation editorial.
Compliance holds happen when a name, address, country, or transaction pattern matches a sanctions list, PEP list, or AML rule. The holding bank cannot disclose what triggered the match (regulatory rule). Your only options are: (1) provide more information to clear the screen, (2) wait for the screening to complete (4 hours to several days), (3) recall the payment if it cannot clear.
Step-by-step:
1. Track the UETR on Ohmyfin to identify which bank is holding the payment.
2. Ask your bank to contact the holding bank for an update — the holding bank may request additional KYC on the originator or beneficiary.
3. Provide any additional information requested (originator full name + address, beneficiary purpose of payment, source of funds, invoice copy).
4. If the screen does not clear within 5 business days, request a recall.
Quick facts:
Compliance holds happen when a name, address, country, or transaction pattern matches a sanctions list, PEP list, or AML rule. The holding bank cannot disclose what triggered the match (regulatory rule). Your only options are: (1) provide more information to clear the screen, (2) wait for the screening to complete (4 hours to several days), (3) recall the payment if it cannot clear.
Yes. Public UETR tracking on Ohmyfin is free, with 10 free scans per IP per day for individuals worldwide and 100 free credits when you sign up.
No. Ohmyfin looks up the SWIFT payment status with just the UETR — no bank login or account required.
No card needed. Free for ordinary users — 5 IP-based lookups per day, plus 100 credits instantly when you sign up with email. Use them on any international wire across 11,000+ banks.
Sign up free — get 100 credits Or try the tracker now →