Understanding Trace Numbers for Wire Transfers at Holdings

A trace number—often called an IMAD/OMAD number—is your wire transfer’s unique fingerprint. It helps you and your bank track, investigate, and confirm the status of your transaction, so your money never goes missing in action.

How to Use a Trace Number

If you need to trace a wire transfer, ask the originating bank for the IMAD/OMAD number. It typically looks like this: YYYYMMDDXXXXXXXX012345. This code lets customer support quickly pinpoint your transfer’s journey.

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Start with Introducing Holdings: The Complete Financial Operating System for SMBs.

What You’ll Need to Start a Trace

To help us investigate a deposit or wire, gather these details:

Sender Details:

• Name of sender

• Sending bank

• Sender’s routing number

• Sender’s account number

Transaction Details:

• Amount sent

• Date sent

• Type of transfer (Wire or ACH)

• Trace number (IMAD/OMAD)

Recipient Details:

• Name of receiver

• Receiving routing number

• Receiving account number

Having this info ready means we can get answers—and your money—faster.

Need to understand more about wire and ACH transfers?
Check out Bank Transfers Explained: A Guide to Secure and Efficient Payments and How to Send Wires, ACH, and Internal Transfers with Holdings: A Fee-Free Guide.

International Wire Transfers

Holdings supports receiving international wires via the SWIFT network (but we don’t send them). Before you receive an international wire, make sure the sending country is eligible.

For more on international payments and limits, see:

• Free Domestic Wire Transfers: Fast, Secure, and Cost-Effective Payments

• Business Routing Numbers Explained: A Guide to Efficient Transactions

Related Support and Security Resources

• Implementing Internal Controls in Holdings

• How Holdings Offers $3M FDIC Insurance: 2025 Update

• Business Banking Fees Explained: How Holdings Keeps It Simple

• Support Center Home

Still have questions or need help tracing a wire? Contact Holdings support for fast, friendly assistance.