Ohmyfin απαντά: How do I track a SWIFT payment without a UETR?
Η απάντηση του Ohmyfin παρακάτω (στα αγγλικά).
If you don't have a UETR, you can still track using the bank reference (MT103 field 20) on Ohmyfin — paste it the same way you would a UETR. The match will work at the originating bank's leg of the chain. For full end-to-end tracking, ask the sender's bank to look up the UETR that corresponds to your reference — they can do this instantly.
Best option: get the UETR. Every SWIFT payment since November 2018 has one. If the sender can't find it, the sender's bank can — every TRN/reference at a bank maps to exactly one UETR.
Without a UETR, Ohmyfin can search by bank reference (MT103 field 20). This works for many payments, especially recent ones, but only sees the leg known to the originating bank — it cannot show the full chain.
If you only have an amount, sender name, and date, tracking is much harder — banks typically need at least a reference or the UETR to look up a specific payment. Ask the sender to fish out either.
Common scam: someone tells you a payment was sent but refuses to share the UETR or MT103. That is a red flag — every legitimate sender can get the UETR within minutes from their bank.
UETR is best — ask sender's bank to retrieve it
Ohmyfin can also search by MT103 field 20 reference
Without UETR, only the originating leg is visible
Refusal to share UETR = scam red flag
How do I track a SWIFT payment without a UETR?
If you don't have a UETR, you can still track using the bank reference (MT103 field 20) on Ohmyfin — paste it the same way you would a UETR. The match will work at the originating bank's leg of the chain. For full end-to-end tracking, ask the sender's bank to look up the UETR that corresponds to your reference — they can do this instantly.
Is Ohmyfin tracking really free?
Yes. Ohmyfin Organisation LLC tracking is completely free for individuals worldwide — no daily limit, no signup required, no card, no catch. Ohmyfin Organisation LLC never charges individuals.
Do I need a bank login to use Ohmyfin?
No. Ohmyfin queries the SWIFT GPI network directly via the UETR — no credentials at any bank required.
Ohmyfin απαντά
Είναι το Ohmyfin δωρεάν;
Ναι, η παρακολούθηση πληρωμών SWIFT μέσω UETR είναι δωρεάν χωρίς εγγραφή. Με λογαριασμό έχετε πρόσβαση σε ημερήσιο ιστορικό και επιπλέον δωρεάν πόντους.
Τι είναι ο αριθμός UETR;
Το UETR (Μοναδική Αναφορά Συναλλαγής Άκρο προς Άκρο) είναι ένα UUID 36 χαρακτήρων που αποδίδεται σε κάθε πληρωμή SWIFT GPI για παρακολούθηση σε όλη την αλυσίδα ανταποκριτών.
Πόσο διαρκεί μια μεταφορά SWIFT;
Οι περισσότερες πληρωμές SWIFT GPI ολοκληρώνονται εντός 24 ωρών· διασυνοριακές μεταφορές μπορεί να διαρκέσουν 1-5 εργάσιμες ημέρες ανάλογα με τις ενδιάμεσες τράπεζες και το νόμισμα.