Missing Credits

Missing Credit or Payment Not Received – What to Do
If a payment hasn’t been credited to your Banking Circle account, please follow these steps:

1. Check Your Account Report
   Payments may not be credited on the same day they’re sent. Review your report a few days after the expected date.
2. Confirm with the Sender’s Bank
   Ensure the payment was processed successfully.
3. Check for RFI Requests
   The sender’s bank should verify if our screening team has requested additional information. Payments may be held until we receive a response.
4. Request the MT103 and Review Details
   • If the account number is closed the payment will be returned automatically. The sender’s bank should check for returned funds.
   • If the payment was sent to the wrong account, the sender’s bank must initiate a recall.
5. Check for Country Restrictions
   Payments from unapproved countries are automatically returned, sender should check for returns 
6. Still Missing?
   If all details are correct and the payment still hasn’t arrived, the sender’s bank must initiate a payment trace.

Note:
Banking Circle cannot investigate payments that haven’t reached us. All investigations must be handled by the sender’s bank.