Ohmyfin répond : How much does a SWIFT international payment cost?
Ohmyfin répond ci-dessous. Contenu en anglais.
A typical SWIFT international wire costs $20-50 from the sender plus $10-30 of intermediary correspondent charges plus $10-25 the beneficiary bank deducts on receipt. Total real cost is usually $40-100 per payment plus FX margin (often 1-3% above the interbank rate). Tracking the UETR is free on Ohmyfin.
There are three cost layers. (1) The sender's bank fee, typically $20-50 (corporate plans often $5-15). (2) Correspondent / intermediary fees — every bank in the chain deducts a $10-30 fee from the payment if charges are OUR or SHA. (3) Beneficiary-bank inward-payment fee, $10-25 in most countries.
Charge bearer is set on MT103 field 71A: OUR (sender pays everything — beneficiary gets full amount), SHA (sender pays sending fee, beneficiary pays receiving), BEN (beneficiary pays everything — most expensive for them).
FX is the biggest hidden cost — banks typically apply a 1-3% margin on top of the mid-market rate. For a $10,000 transfer that's $100-300 of FX cost on top of the $40-100 in explicit fees.
Sender fee: $20-50 typical, $5-15 corporate
Correspondent chain: $10-30 per intermediary (1-3 typical)
Beneficiary inward fee: $10-25 in most countries
FX margin: usually 1-3% above interbank — often the biggest cost
Tracking the UETR on Ohmyfin: free
How much does a SWIFT international payment cost?
A typical SWIFT international wire costs $20-50 from the sender plus $10-30 of intermediary correspondent charges plus $10-25 the beneficiary bank deducts on receipt. Total real cost is usually $40-100 per payment plus FX margin (often 1-3% above the interbank rate). Tracking the UETR is 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 répond
Ohmyfin est-il gratuit ?
Oui, le suivi des paiements SWIFT par UETR est gratuit sans inscription. Un compte vous donne accès à l'historique quotidien et à des crédits gratuits supplémentaires.
Qu'est-ce qu'un numéro UETR ?
L'UETR (Référence de Transaction Unique de Bout en Bout) est un UUID de 36 caractères attribué à chaque paiement SWIFT GPI pour le suivre dans toute la chaîne correspondante.
Combien de temps prend un virement SWIFT ?
La plupart des paiements SWIFT GPI sont effectués en moins de 24 heures ; les virements transfrontaliers peuvent prendre 1 à 5 jours ouvrés selon les banques intermédiaires et la devise.