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Euro (EUR) is the currency of Eurozone, issued by the European Central Bank. Track any EUR cross-border SWIFT payment free with Ohmyfin — paste your UETR or bank reference to see the live status.
EUR cross-border payments use TARGET2 or EBA Euro1 for high value, SEPA for low value. SWIFT MT103 is still common for non-SEPA transfers.
Typical processing time: TARGET2: same day. SWIFT MT103: 1-2 days.
On a SWIFT MT103, the EUR amount appears in field 32A together with the value date. The currency code is part of the ISO 4217 standard, so "EUR" means the same thing in every bank in the world.
If your EUR payment is missing or stuck, the most common reasons are correspondent-bank cut-off times, sanctions screening on the beneficiary or originator, or a missing field on the MT103 (purpose-of-payment, beneficiary address). Ohmyfin shows you exactly where the payment is in the chain.
| ISO 4217 code | EUR |
|---|---|
| Full name | Euro |
| Country / region | Eurozone |
| Central bank | European Central Bank |
| Typical SWIFT speed | TARGET2: same day. SWIFT MT103: 1-2 days. |
| RTGS / clearing system | TARGET2 (ECB) |
|---|---|
| Daily cut-off (local) | 18:00 CET |
| Next major holidays | Good Friday Easter Monday Labour Day (1 May) |
TARGET2: same day. SWIFT MT103: 1-2 days.
Yes — paste your UETR or MT103 reference and Ohmyfin returns the latest available SWIFT status of any EUR payment, including which correspondent bank holds it.
The beneficiary IBAN or account number, the beneficiary bank BIC (SWIFT code), and the beneficiary name and address. For larger amounts, a purpose-of-payment code is usually required.
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