Ohmyfin responde a continuación. El contenido está en inglés.
SWIFT GPI (Global Payments Innovation) is a set of standards and services introduced by SWIFT in 2017 that transform cross-border payments — committing member banks to same-day settlement, full fee transparency, real-time end-to-end tracking via UETR, and immutable remittance data. Over 95% of SWIFT cross-border traffic is now carried on GPI rails.
Before GPI, banks had no obligation to provide payment status to sending banks. A payment could sit at a correspondent for days with no update. GPI changed this by requiring all member banks to: update the SWIFT tracker every time they pass the payment on, apply the payment on the same day they receive it (within the currency's cut-off window), and not alter the remittance information.
The UETR (Unique End-to-end Transaction Reference) is GPI's tracking key. Every payment in the GPI network has a UETR that stays the same across every bank and every message type — MT103, pacs.008, and others all carry the same UETR.
GPI covers four key commitments: Speed (same-day credit when received before the currency cut-off), Transparency (full fee deduction disclosure), Traceability (real-time status via UETR at every bank in the chain), and Immutability (remittance information preserved end-to-end).
GPI trackers like Ohmyfin query the UETR status and translate the raw ISO 20022 codes (ACSP, ACSC, RJCT, PDNG) into plain English so anyone — not just banks — can understand where their payment is.
GPI = Global Payments Innovation — SWIFT's 2017+ standard for cross-border payments
Mandates same-day credit, full fee transparency, real-time tracking via UETR
Over 95% of SWIFT cross-border traffic runs on GPI rails
UETR = GPI's tracking key — unchanged across the full payment chain
Track any GPI payment free on Ohmyfin — no bank login needed
What is SWIFT GPI?
SWIFT GPI (Global Payments Innovation) is a set of standards and services introduced by SWIFT in 2017 that transform cross-border payments — committing member banks to same-day settlement, full fee transparency, real-time end-to-end tracking via UETR, and immutable remittance data. Over 95% of SWIFT cross-border traffic is now carried on GPI rails.
Is my payment on SWIFT GPI?
If the payment was sent by a major bank after 2018 it almost certainly is. The UETR on the MT103 field 121 / pacs.008 UETR element confirms it. Track it free on Ohmyfin.
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.