Last reviewed: · Curated by Ohmyfin Organisation editorial.
Yes. As the beneficiary you can track any incoming SWIFT payment by UETR on Ohmyfin, regardless of which bank you use. You don't need credentials at the sender's bank or your own bank — just paste the 36-character UETR (get it from the sender) into the tracker. This is the fastest way to know whether a delayed credit is actually on the way or stuck somewhere.
Many beneficiaries assume tracking is something only the sender can do. That's not true — the UETR is a global tracking ID and works the same for anyone who has it.
Step 1 — ask the sender for the UETR (or the MT103 / pacs.008 confirmation). Even a screenshot is fine.
Step 2 — paste it into the Ohmyfin tracker. You'll see: the sending bank, the correspondent banks in the chain, the current status, and (if GPI) the fees taken at each leg.
Step 3 — if status is ACSC or ACCC, the funds have been credited to your bank. Call your bank with the UETR and they can locate them — sometimes credits sit in suspense accounts due to name mismatches.
Step 4 — if status is in progress at an intermediary, share the screenshot with the sender so their bank can chase the holding bank.
Yes. As the beneficiary you can track any incoming SWIFT payment by UETR on Ohmyfin, regardless of which bank you use. You don't need credentials at the sender's bank or your own bank — just paste the 36-character UETR (get it from the sender) into the tracker. This is the fastest way to know whether a delayed credit is actually on the way or stuck somewhere.
Yes. Ohmyfin tracking is free for individuals worldwide — 10 lookups per IP per day with no signup, plus 100 free credits when you create an account. We never charge ordinary users.
No. Ohmyfin queries the SWIFT GPI network directly via the UETR — no credentials at any bank required.
No card needed. Free for ordinary users — 5 IP-based lookups per day, plus 100 credits instantly when you sign up with email. Use them on any international wire across 11,000+ banks.
Sign up free — get 100 credits Or try the tracker now →