Ohmyfin responde: How do I track a SWIFT payment without a UETR?
Ohmyfin responde a continuación. El contenido está en inglés.
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 responde
¿Es gratis usar Ohmyfin?
Sí, el rastreo de pagos SWIFT por UETR es gratuito sin necesidad de registro. Con una cuenta puede acceder al historial diario y más créditos gratuitos.
¿Qué es un número UETR?
El UETR (Referencia de Transacción Única Extremo a Extremo) es un identificador UUID de 36 caracteres asignado a cada pago SWIFT GPI para rastrearlo por toda la cadena.
¿Cuánto tarda una transferencia SWIFT?
La mayoría de los pagos SWIFT GPI se completan en 24 horas; las transferencias internacionales pueden tardar de 1 a 5 días hábiles según los bancos intermediarios y la divisa.