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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.
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 10 free scans per IP per day for individuals worldwide and 100 free credits when you sign up.
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.
Related — more from swift payment help & troubleshooting and beyond
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