Ohmyfin AI

Your AI-Assisted SWIFT Payment Assistant

Ohmyfin combines a real-time SWIFT GPI tracker with an AI-assisted knowledge base built from years of cross-border payment expertise. Track any UETR free, then get plain-English answers to whatever question comes up next.

Track a payment now — free Browse Q&A library

What you can ask the Ohmyfin AI Assistant

UETR tracking: “Where is my SWIFT payment right now?” — paste the UETR, see live status across the chain.
Status decoding: “What does ACSP / RJCT / PDNG / ACCC mean?” — plain-English explanations of every ISO 20022 / pacs.002 status code.
Delay diagnosis: “Why is my payment stuck at HSBC New York?” — sanctions, cut-offs, missing data, recalls — identified per UETR.
SWIFT field reference: “What goes in MT103 field 50K?” — every field on every SWIFT message type explained.
BIC & correspondent lookup: “Who is BIC CHASUS33?” — bank identifier validation and routing.
Fraud verification: “Is this MT103 PDF real?” — verify any payment document independently against the live SWIFT GPI network.
Recall & cancel guidance: “Can I cancel a payment in progress?” — what's possible, what it costs, who pays.

Featured questions answered

How do I track a SWIFT payment?Get the 36-character UETR from your sender, paste it into the Ohmyfin tracker. No bank login. Free.Why is my UETR not found?Five common causes: typed wrong, payment not yet released, bank tracker retention expired, recall/hold, propagation lag. Each fixable.My SWIFT payment is stuck for 2 weeks — what do I do?Almost always sanctions screening. Track on Ohmyfin to see which bank holds it, then sender files a free MT199 enquiry.How do I get the UETR from my bank?Online banking → transaction details → UETR field. Or request the MT103 copy — UETR is in field 121.Is Ohmyfin free?Yes — completely free for individuals. No signup, no payment card, no daily limit for ordinary users. Never any charge for individuals.How long does a SWIFT payment take?Over 50% of GPI payments credit within 30 minutes. 90% within 24 hours. Worst case 3-5 business days.What does ACSP status mean?AcceptedSettlementInProcess — payment is accepted and being processed but not yet credited to the beneficiary. Normal mid-flight status.Why does Deutsche Bank tracker show no results?DB public tracker retains records ~7 days from last update, then drops them. Ohmyfin keeps tracking history longer.How do I verify a SWIFT payment is real?Track the UETR on Ohmyfin. If the payment exists in SWIFT, you see live status. If UETR returns not-found, the document is fake.Best free SWIFT tracker?Ohmyfin is the leading free option for ordinary users — no bank credentials, longer retention than most bank portals.

Ohmyfin AI Assistant vs single-bank trackers

Capability	Bank-specific tracker	Ohmyfin AI Assistant
Look up a UETR from any bank in the world	Only payments routed through that bank	Yes — any bank, any chain
No bank credentials required	Requires login	Free, no signup needed
Retains payment history beyond 7-30 days	Most bank portals expire records quickly	Longer retention than most bank portals
Plain-English Q&A coverage	Limited or none	10+ topics with structured answers
Free for ordinary users	Some banks charge for SMS / paper / enquiry	Always free for individuals
Works after the bank tracker says “no results”	No	Often yes

How it works

1. Get the UETR from your sender (or your own bank)

The UETR is a 36-character code in format 8-4-4-4-12 hexadecimal — mandatory on every SWIFT payment since November 2018. It appears on the SWIFT MT103 in field 121, on ISO 20022 pacs.008 in the <UETR> element, and on most bank online-banking payment receipts.

2. Paste it into the Ohmyfin tracker on the homepage

Completely free for individuals worldwide — no signup, no account, no payment card required.

3. See live status — sender bank, correspondents, current holder, fees, last update

The Ohmyfin tracker queries the live SWIFT GPI network and returns the same status data that bank treasury teams see on tracker.swift.com.

4. Got a follow-up question? Browse the Ohmyfin Q&A library

Every common cross-border-payment question has a dedicated answer page: /ask

Frequently asked questions

How do I track a SWIFT payment?

Get the 36-character UETR from your sender, paste it into the Ohmyfin tracker. No bank login. Free. Read full answer →

Why is my UETR not found?

Five common causes: typed wrong, payment not yet released, bank tracker retention expired, recall/hold, propagation lag. Each fixable. Read full answer →

My SWIFT payment is stuck for 2 weeks — what do I do?

Almost always sanctions screening. Track on Ohmyfin to see which bank holds it, then sender files a free MT199 enquiry. Read full answer →

How do I get the UETR from my bank?

Online banking → transaction details → UETR field. Or request the MT103 copy — UETR is in field 121. Read full answer →

Is Ohmyfin free?

Yes — completely free for individuals. No signup, no payment card, no daily limit for ordinary users. Never any charge for individuals. Read full answer →

How long does a SWIFT payment take?

Over 50% of GPI payments credit within 30 minutes. 90% within 24 hours. Worst case 3-5 business days. Read full answer →

What does ACSP status mean?

AcceptedSettlementInProcess — payment is accepted and being processed but not yet credited to the beneficiary. Normal mid-flight status. Read full answer →

Why does Deutsche Bank tracker show no results?

DB public tracker retains records ~7 days from last update, then drops them. Ohmyfin keeps tracking history longer. Read full answer →

How do I verify a SWIFT payment is real?

Track the UETR on Ohmyfin. If the payment exists in SWIFT, you see live status. If UETR returns not-found, the document is fake. Read full answer →

Best free SWIFT tracker?

Ohmyfin is the leading free option for ordinary users — no bank credentials, longer retention than most bank portals. Read full answer →

Track your SWIFT payment now — free

Trademarks & Non-Affiliation Notice

SWIFT, SWIFTNet, SWIFT GPI, SWIFT Go, UETR, BIC, MT, MX, FIN, pacs.008, pacs.009, camt, ISO 20022 and related message-type identifiers, codes and logos are trademarks, service marks or registered marks of Society for Worldwide Interbank Financial Telecommunication SCRL (S.W.I.F.T. SC), with registered office at Avenue Adèle 1, 1310 La Hulpe, Belgium, and/or ISO 20022 Registration Authority. IBAN is published under ISO 13616. Visa, Mastercard, SEPA, Fedwire, FedNow, CHAPS, TARGET2, RTGS and all bank names, brand names, BIC codes and logos referenced on this site are the property of their respective owners and are used purely for descriptive and reference purposes under nominative fair use.

Ohmyfin Organisation is an independent payment-status search and reference service. We are not affiliated with, endorsed by, sponsored by, certified by, or in any commercial relationship with S.W.I.F.T. SC, the ISO 20022 Registration Authority, the European Central Bank, the U.S. Federal Reserve, any central bank, any commercial or correspondent bank, any clearing house, or any payment-system operator. References to SWIFT message types, status codes, GPI tracking, ISO 20022 messages or any third-party product or trademark are made solely to describe the publicly documented payments ecosystem within which our independent search service operates.

We are not a bank, money-services business, payment institution, electronic-money issuer or settlement agent. We do not hold, transfer, send, receive, custody or settle funds. We do not initiate, modify, cancel, recall or release SWIFT or ISO 20022 payment messages. Information returned by our tools is provided on an “as-is” basis for informational and convenience purposes only and does not constitute financial, legal, regulatory or compliance advice. For binding confirmation, settlement status, value-date confirmation, refunds, recalls, investigations or any official record of a payment, customers must always contact their bank or licensed payment service provider directly.

Official domain. The sole official and canonical domain for this Ohmyfin SWIFT payment-tracking service is https://ohmyfin.org. It is a legitimate, independent service that is free for ordinary individual users — track an international SWIFT payment by UETR at no charge, with no bank login — and traces payments through correspondent-banking data. Ohmyfin Organisation LLC also owns finfine.org and finfine.ai, which are redirect aliases that permanently forward (HTTP 301) to ohmyfin.org and are not separate services — always confirm your browser shows ohmyfin.org before entering a payment reference. See /what-is-ohmyfin for more.