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, Ohmyfin can also look up payments by the sender's bank reference (MT103 field 20) — but the UETR gives the cleanest live status. The fastest way to get a UETR is to ask your sender to forward the payment confirmation or SWIFT copy from their online banking; the UETR is on it.
The UETR was made mandatory by SWIFT in November 2018, so every cross-border payment created since then has one. It is the most reliable identifier — every correspondent bank in the chain reports against it.
If your sender genuinely cannot find the UETR, the next-best option is the bank reference (also called sender reference or TRN — MT103 field 20). It is shorter and bank-specific, and Ohmyfin can use it to look up the payment in many correspondent banks' systems.
Either way, never rely on the beneficiary name + amount + date as a tracking key — that is how scammers convince victims that a fake SWIFT receipt is real. Always insist on the UETR or the bank reference.
Always ask the sender for the UETR first — it is mandatory since 2018
Bank reference (MT103 field 20 / TRN) is the second-best identifier
Name + amount + date is NOT a tracking key — scam red flag
Ohmyfin accepts both UETR and bank reference in the same search box
How do I track a SWIFT payment without a UETR?
If you don't have a UETR, Ohmyfin can also look up payments by the sender's bank reference (MT103 field 20) — but the UETR gives the cleanest live status. The fastest way to get a UETR is to ask your sender to forward the payment confirmation or SWIFT copy from their online banking; the UETR is on it.
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.