In the event that you believe you have a missing credit or an incoming payment which hasn’t been credited in the account held with Banking Circle we advise the following: 

  1. Request a MT103 from the sending bank to check that the payment details have been inputted correctly when the payment was instructed. Alternatively this can be provided to the Client Services team ( so we can check this for you

  2. Check with the sending bank who should confirm whether the payment has been sent by them

  3. If all details have been formatted correctly within the related MT103 and the payment has still not been received, then a trace of the payment will need to be requested with the sending bank

Banking Circle unfortunately cannot investigate any payments that haven’t reached our accounts., as we are not involved in a payment chain until the payment hits us. Therefore, any investigation needs to be conducted by the remitting side.