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SWIFT vs Wise vs Revolut — which is best for international transfers?
Ohmyfin עונה: SWIFT vs Wise vs Revolut — which is best for international transfers?
תשובת Ohmyfin למטה (באנגלית).
SWIFT (via your bank) is best for large business / corporate payments and for currencies/corridors the fintechs don't cover. Wise is best for personal cross-border payments under $50k in major currencies — typically 5-10x cheaper on FX. Revolut is best for in-app peer-to-peer between Revolut users (instant, free) and for travel-currency spending. All three can be tracked on Ohmyfin if you have the UETR.
SWIFT: universal — every bank in the world can receive a SWIFT wire. Cost $40-100 + 1-3% FX margin. Speed 0.5-3 business days. Best for high-value, regulated, business-critical payments.
Wise: uses local rails on both ends, not SWIFT. Cost typically 0.4-1% all-in. Speed minutes to 2 business days. Best for personal and SMB transfers in the 30+ currencies Wise actually supports.
Revolut: free instant transfers Revolut-to-Revolut, otherwise uses SWIFT or local rails. Cost similar to Wise on weekday business hours, higher markup on weekends.
For very large transfers ($100k+), exotic currencies, or anywhere your beneficiary's bank cannot receive from a fintech, SWIFT is still the only practical choice — and that's where Ohmyfin tracking matters most.
SWIFT: universal, $40-100 + 1-3% FX, 0.5-3 days, best for high-value / business
Wise: cheapest for personal cross-border <$50k, 0.4-1% all-in
Revolut: free instant for Revolut-to-Revolut, otherwise SWIFT/local
Track any SWIFT-leg of the journey free on Ohmyfin via the UETR
SWIFT vs Wise vs Revolut — which is best for international transfers?
SWIFT (via your bank) is best for large business / corporate payments and for currencies/corridors the fintechs don't cover. Wise is best for personal cross-border payments under $50k in major currencies — typically 5-10x cheaper on FX. Revolut is best for in-app peer-to-peer between Revolut users (instant, free) and for travel-currency spending. All three can be tracked on Ohmyfin if you have the UETR.
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 עונה
האם Ohmyfin חינמי?
כן, מעקב אחר תשלומי SWIFT לפי UETR חינמי ללא רישום. עם חשבון תקבלו היסטוריה יומית וקרדיטים חינמיים נוספים.
מה זה מספר UETR?
UETR (ייחוס עסקה ייחודי מקצה לקצה) הוא UUID של 36 תווים המוקצה לכל תשלום SWIFT GPI למעקב לאורך כל שרשרת בנקי הכתב.
כמה זמן לוקח העברת SWIFT?
רוב תשלומי SWIFT GPI מסתיימים תוך 24 שעות; העברות בינלאומיות עשויות לקחת 1-5 ימי עסקים בהתאם לבנקים המתווכים ולמטבע.