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Ohmyfin never charges individuals. Credits are a one-time free welcome bag, granted at signup — they are not for sale.

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Free top-up granted at signup — never for sale to individuals.

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Free SWIFT searches every day 15 / day

Email-on-found watcher (per tracked payment) Free

SMS / WhatsApp / Telegram alerts Free

7-day adaptive background re-checks Free

Daily allowance resets at 00:00 UTC. Ohmyfin never charges individuals — not now, not ever.

When are these welcome credits used?

Only when you go above your daily search limit 1 credit per extra search

If your welcome credits are gone, your daily free searches keep working forever. Tracking is always free for individuals. We do not, and will not, sell credits to individuals.

Are you a bank or financial institution?

The only paid product on Ohmyfin is high-volume API access for banks, payment processors, EMIs, PSPs and fintechs. Volume pricing with SLA, sanctions-screening API and webhook callbacks.

See API for banks Request free trial

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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.