International bank transfer

Thegreatreset · Post by **Thegreatreset** » Sat Oct 16, 2021 6:08 pm

Hi everybody,
this is my first post.
The company I work for in France as a freelancer send me my salary to my ABA account. ABA refused to accept the money and send the money back due to unknown beneficiary and charged my company on top of it 90 euros. Usually I get paid through upwork, but their fees are way to high.
Anybody know whats going on here?

Kammekor · Post by **Kammekor** » Sat Oct 16, 2021 6:49 pm

Thegreatreset wrote: ↑Sat Oct 16, 2021 6:08 pm Hi everybody,
this is my first post.
The company I work for in France as a freelancer send me my salary to my ABA account. ABA refused to accept the money and send the money back due to unknown beneficiary and charged my company on top of it 90 euros. Usually I get paid through upwork, but their fees are way to high.
Anybody know whats going on here?

Are you sure it's ABA's fault?

Most EU transfers to Cambodia are routed through the USA. USA law prescribes the full name and date of birth is in the transfer description or they will not pass it on.

Maybe the info was there but your employer made a typo?
You can ask ABA for a full step-by-step tracement of the transaction and find out what to do different next time.

YouTube · Post by **General Mackevili** » Sat Oct 16, 2021 7:38 pm

Could be many things, but I recently saw an expat on Twitter say their Cambodian Bank wouldn't deposit a check for her because it didn't include her middle name.

If your middle name is on your ABA Bank account, make sure they include it on the transfer.

phuketrichard · Post by **phuketrichard** » Sat Oct 16, 2021 7:58 pm

Kammekor wrote: ↑Sat Oct 16, 2021 6:49 pm
Thegreatreset wrote: ↑Sat Oct 16, 2021 6:08 pm Hi everybody,
this is my first post.
The company I work for in France as a freelancer send me my salary to my ABA account. ABA refused to accept the money and send the money back due to unknown beneficiary and charged my company on top of it 90 euros. Usually I get paid through upwork, but their fees are way to high.
Anybody know whats going on here?
Are you sure it's ABA's fault?

Most EU transfers to Cambodia are routed through the USA. USA law prescribes the full name and date of birth is in the transfer description or they will not pass it on.

Maybe the info was there but your employer made a typo?
You can ask ABA for a full step-by-step tracement of the transaction and find out what to do different next time.

HUH:
have had money transferred many times from bank to bank us to hk, thailand, cambodia, nepal>
never was asked for dob

are u sure the swift code, address of the Aba bank, ur correct account number an full name were correct?

Anchor Moy · Post by **Anchor Moy** » Sat Oct 16, 2021 8:01 pm

ABA closed their internet banking this year, and all goes through smart phone apps now. Could be something to do with that ? I'm guessing.

Kammekor · Post by **Kammekor** » Sat Oct 16, 2021 8:03 pm

phuketrichard wrote: ↑Sat Oct 16, 2021 7:58 pm
Kammekor wrote: ↑Sat Oct 16, 2021 6:49 pm
Thegreatreset wrote: ↑Sat Oct 16, 2021 6:08 pm Hi everybody,
this is my first post.
The company I work for in France as a freelancer send me my salary to my ABA account. ABA refused to accept the money and send the money back due to unknown beneficiary and charged my company on top of it 90 euros. Usually I get paid through upwork, but their fees are way to high.
Anybody know whats going on here?
Are you sure it's ABA's fault?

Most EU transfers to Cambodia are routed through the USA. USA law prescribes the full name and date of birth is in the transfer description or they will not pass it on.

Maybe the info was there but your employer made a typo?
You can ask ABA for a full step-by-step tracement of the transaction and find out what to do different next time.
HUH:
have had money transferred many times from bank to bank us to hk, thailand, cambodia, nepal>
never was asked for dob

are u sure the swift code, address of the Aba bank, ur correct account number an full name were correct?

I've transferred money EU-Cambodia since 2009. Details stored into my bank account. Always use the same.
Not talking about a US-Cambodia transfer.
Talking about the US bank being the intermediary bank between the EU bank and the Cambodian bank. A few years ago I had a transfer blocked at the USA intermediary bank and investigation from my EU bank showed it was because I didn't include my DoB.
Ever since I include the letter DOB with six numbers and all's been fine.
And yes, the blocked transfer cost me money. Luckily I made some on the USD-EUR exchange rate when the money came back into my EU account a few weeks later.

Post by **Freightdog** » Sat Oct 16, 2021 8:26 pm

There is a serious level of pedantic behaviour.

They do get upset if the names don’t match.

But it’s fairly straight forward-

I use a currency transfer company (just changed their name to Lumon), and I also use XE app on iPhone. Both are now very quick.

Contact ABA, confirm exactly what your bank details are, including what they think your name is- spelling errors happen all the time, as we are the foreigners with weird names.
Make sure your company is doing it correctly.

Kammekor · Post by **Kammekor** » Sat Oct 16, 2021 8:50 pm

Freightdog wrote: ↑Sat Oct 16, 2021 8:26 pm There is a serious level of pedantic behaviour.

They do get upset if the names don’t match.

There's pedantic behavior@ ABA but there's also laws in place in Cambodia and for every intermediary bank. The US banks are famous for ridiculous demands while taking a large piece of the pie at the same time. Both by law by the way. Something with terrorism and laundering....

Thegreatreset · Post by **Thegreatreset** » Sun Oct 17, 2021 12:11 pm

Thanks to everyone who responded.
No, I don't use the app from ABA.
It seems the problem is the missing info about my date of birth, I am going to the bank right now to find out.

Alex · Post by **Alex** » Sun Oct 17, 2021 1:29 pm

Kammekor wrote: ↑Sat Oct 16, 2021 6:49 pm Most EU transfers to Cambodia are routed through the USA. USA law prescribes the full name and date of birth is in the transfer description or they will not pass it on.

There's no such "USA law". I receive many international transfers both from and via the US, and none of the senders has my date of birth.

This is more likely a name mismatch, which happens easily.

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