Who credits the account
Banks process payments under applicable rules. Message delivery does not equal account credit.
FinFly Explains / Economy
What SWIFT does
SWIFT carries secure financial messages between institutions; it is not the recipient’s personal wallet.
A delayed transfer
Ask your bank for status, payment details and required documents. Establish the first payment’s outcome before sending again.
Compare the route
Request total costs, exchange rate and expected timing for your specific transfer. SWIFT is not a universal tariff.
Method
Primary sources
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