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An expected amount has not been credited, how do I chase it?

Missing payments usually get stuck in a manual correction, a rejected direct debit, or an IBAN/SEPA mandate typo. Start with the sender, not the bank.

Try this first

  1. 1Ask the sender for the transaction reference and the executed date, that is faster than calling the bank.
  2. 2Check your bank journal and the batch statuses for rejected mandates or returns in the last five days.
  3. 3If it arrives but under a different amount or client, expect a typo in IBAN or amount, ABN and ING typically show this after 2-3 working days.
  4. 4For a true missing payment, open an investigation with your business bank, they have SWIFT/SEPA tooling to trace the path.
  5. 5Log every step with date and contact, otherwise you lose track after two weeks and restart.

When to bring us in

If amounts above 5k typically miss the 5-working-day mark, we can help speed up the investigation through the right channels.

See also

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