The most common fraud types targeting international SWIFT payments — explained in plain English, with red flags, verification steps and what to do if you are targeted.
Received an MT103 or payment confirmation? Verify it is real in 30 seconds — paste the UETR into Ohmyfin's free tracker.
Verify Payment — FreeThe single most effective protection against SWIFT payment fraud is to verify the UETR of any claimed payment on Ohmyfin before shipping goods, paying fees, or taking any irreversible action.
A genuine SWIFT payment shows ACSP (in transit), ACSC (settled), or ACCC (credited) status. A fake payment shows "not found". The check is free, instant, and requires no bank login.
Ohmyfin queries SWIFT GPI and major correspondent bank portals directly. When you paste a UETR, we check whether a real payment exists in the SWIFT network with that identifier, the correct amount and the correct beneficiary. This check cannot be spoofed — a fake MT103 with an invented UETR will simply return "not found".
We also maintain a SWIFT code directory of 300+ major banks so you can verify that a BIC code in a payment document corresponds to a real institution before trusting any payment claim.