Ohmyfin απαντά: What is the difference between UETR and TRN?
Η απάντηση του Ohmyfin παρακάτω (στα αγγλικά).
A UETR (Unique End-to-end Transaction Reference) is a 36-character global identifier that travels with the payment through every bank in the chain. A TRN (Transaction Reference Number) is a bank-specific reference assigned by each individual bank — different at the sender's bank, the correspondent, and the beneficiary's bank. For end-to-end tracking, always use the UETR.
UETR — 36 characters, hex, format 8-4-4-4-12. Generated by the originating bank and mandatory on every SWIFT payment since November 2018. Found in MT103 field 121 / pacs.008 <UETR>. The same UETR works at every bank in the chain.
TRN — bank-assigned, typically up to 16 characters, format varies by bank. Found in MT103 field 20 (Sender's Reference) or pacs.008 <EndToEndId> / <InstrId>. Each bank in the chain may have its own TRN for the same payment.
When you track on Ohmyfin, you can paste either a UETR or a bank reference. The UETR gives you the full end-to-end status across the chain. The TRN may only return the leg known to that specific bank.
If you only have a TRN and no UETR, ask the sender's bank to look up the corresponding UETR — every TRN at the originating bank maps 1-to-1 to a UETR.
UETR = global, 36 chars, same across all banks
TRN = bank-specific, ~16 chars, different at each bank
UETR = MT103 field 121; TRN = MT103 field 20
Always prefer UETR for end-to-end tracking
What is the difference between UETR and TRN?
A UETR (Unique End-to-end Transaction Reference) is a 36-character global identifier that travels with the payment through every bank in the chain. A TRN (Transaction Reference Number) is a bank-specific reference assigned by each individual bank — different at the sender's bank, the correspondent, and the beneficiary's bank. For end-to-end tracking, always use the UETR.
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.