AUD outward SWIFT remittance - Cathay Bank

See: Moving USD from our accounts in the USA to Taiwan

Banks are mostly all on the SWIFT network, but they can’t transfer directly to each other without first swapping credentials (usually a commercial arrangement). If two banks have not exchanged credentials, an intermediary bank is used.

In this case, it seems that the credential exchange between Ing and Cathay has lapsed. You can’t fix this.

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