Currency Tracking Guides — USD, EUR, GBP, JPY, CNY, INR & More | Ohmyfin

Last reviewed: 2026-05-01 · Curated by Ohmyfin Organisation editorial.

Every major currency works differently in cross-border payments — different cut-off times, different correspondent banks, different speed. These guides explain each one and let you track any payment live.

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1UETR (Unique End-to-End Transaction Reference) What is a UETR?

36-character UUID from your MT103 field 121 or pacs.008 <UETR> tag. Where to find it →

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Frequently asked questions

Which currencies can be tracked with Ohmyfin?

Ohmyfin tracks SWIFT GPI payments in all major currencies including USD, EUR, GBP, JPY, CHF, CAD, AUD, CNY, INR, HKD, SGD, AED, SAR, ZAR, BRL, MXN, RUB, NOK, SEK, DKK, PLN, and more.

What is an RTGS system?

RTGS (Real-Time Gross Settlement) is the backbone payment system used by central banks to settle large-value interbank transfers individually and in real time. Examples include Fedwire (USD), TARGET2/T2 (EUR), CHAPS (GBP), and BOJ-NET (JPY).

Why does a USD wire take longer than a domestic transfer?

International USD wires travel through correspondent banks before reaching Fedwire or CHIPS for final settlement. Each hop adds AML screening time. Domestic US ACH or wire transfers skip the correspondent chain and settle within the same system, which is faster.

What is nostro / vostro?

A nostro account is a bank's own account held at a foreign correspondent bank (e.g. "our money at your bank"). A vostro account is the same account from the correspondent bank's perspective ("your money at our bank"). These accounts are how banks pre-fund cross-border settlements.

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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.