Last reviewed: · Curated by Ohmyfin Organisation editorial.
The single best proof is an official SWIFT GPI tracker screenshot from your bank showing the UETR and a positive status (ACSP / ACSC / ACCC). MT103 PDFs are not proof — they can be forged. Bank statements take 1–3 days. The bank-issued SWIFT GPI tracker output is real-time and tamper-evident because the data comes from SWIFT itself.
Payment Located
SWIFT GPI Network · Real-time status
Payment Not Found
No record found in SWIFT GPI or any correspondent banking data
Fraud Awareness Notice
If you received a payment document from a third party, verify directly with your own bank before releasing goods or funds. Fake MT103 / pacs.008 confirmations are widely used in advance-fee scams. See our fraud guide →
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Details
Step-by-step:
1. Get the UETR from your bank (it is on every MT103 confirmation).
2. Paste it into the Ohmyfin tracker.
3. Take a screenshot of the result page including: UETR, amount, currency, status, last-updated timestamp.
4. Send the screenshot to the counter-party — they can independently verify by pasting the same UETR into Ohmyfin.
5. For formal proof (court, audit), request a SWIFT GPI tracker PDF from your bank — they can extract it from their SWIFT portal. Ohmyfin is an independent service and is not a substitute for an official bank-issued document.
Quick facts:
Key facts
PDF MT103 alone = NOT proof.
Bank statement = proof, but takes 1–3 days.
Live UETR on SWIFT GPI = best real-time proof.
Both parties can verify the same UETR — no trust required.
Frequently asked questions
How do I prove to a counter-party that I sent a SWIFT payment?
The single best proof is an official SWIFT GPI tracker screenshot from your bank showing the UETR and a positive status (ACSP / ACSC / ACCC). MT103 PDFs are not proof — they can be forged. Bank statements take 1–3 days. The bank-issued SWIFT GPI tracker output is real-time and tamper-evident because the data comes from SWIFT itself.
Is Ohmyfin tracking free?
Yes. Public UETR tracking on Ohmyfin is free, with completely free for individuals worldwide — no daily limit, no card, no signup required.
Do I need a bank account at the sending bank?
No. Ohmyfin looks up the SWIFT payment status with just the UETR — no bank login or account required.
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