Ohmyfin is an independent tracking service for international money transfers, integrated with a comprehensive database of correspondent banking data (Standard Settlement Instructions). We rely on data from banks and financial institutions to provide you with the most accurate and up-to-date aggregated information.
Our mission is to improve the speed and transparency of cross-border payments. We believe that most cross-border payments could be credited within a single business day. Together with banks and the whole ecosystem, we can change this.
We believe that our future is in the hands of fintechs and banks, therefor we provide a free trial for you to test our services, both WEB-based and API, and ready to adjust our solution for your needs.
When Ohmyfin Can Be Helpful:
Ohmyfin, formerly known as TrackMySwift, has recently undergone a rebranding to better align with its evolving focus on innovative fintech solutions.
How It Works:
Ohmyfin requests status updates for your payment on your behalf from multiple banks and financial institutions, aggregating the data to provide you with an independent overview of your payment's progress. You can track your payment here using the UETR code (preferably) and/or the Transaction Reference Number. We highly recommend entering both identifiers to ensure you receive the most comprehensive information.
At Ohmyfin, we maintain a comprehensive database of standard settlement instructions (SSI) for correspondent relations. This database enables you to access essential information about correspondent banking relationships, facilitating smoother and more efficient cross-border transactions.
Meet James Richardson, the founder and CEO of Ohmyfin Technologies Ltd. James's journey into the world of cross-border payments began when a critical business payment worth over £200,000 went missing for six weeks between correspondent banks. With no visibility, no updates, and no accountability, James experienced firsthand the frustration that millions of businesses and individuals face every day.
That experience became the catalyst for Ohmyfin. James envisioned a platform where anyone — not just large financial institutions — could track their international payments with transparency and confidence, free of charge.
Prior to founding Ohmyfin, James Richardson spent over a decade in financial technology, including senior roles at two of the UK's leading payment infrastructure firms. He led product and engineering teams responsible for real-time payment processing across SWIFT, SEPA, and Faster Payments networks. His deep understanding of correspondent banking, messaging standards, and settlement flows gives Ohmyfin a technical foundation rooted in real-world expertise.
Based in London, James is committed to making cross-border payment tracking accessible to everyone. Under his leadership, Ohmyfin Technologies Ltd has grown to serve thousands of users across more than 80 countries, providing free payment verification to ordinary individuals and businesses worldwide.
Ohmyfin is not a financial institution, nor are we affiliated with the S.W.I.F.T. organization. While our tracking service provides valuable insights into international money transfers, we cannot confirm that funds were sent on behalf of the beneficiary.
If someone presents you with information from our website or any other tracker, claiming that a payment has been made in your name, exercise caution and refrain from trusting the information until the funds are credited to your bank account. Unfortunately, there is no foolproof way to validate MT103 or any other SWIFT forms.
As part of our tracking services, we provide statistics on the number of times a payment was tracked through our services. This allows you to identify any suspicious activity, such as scammers sharing UETR codes with a large number of potential victims.
To the best of our knowledge, we are the only independent SWIFT public tracking service. Our users search our services using different keywords, so we provide the following tools: