Ohmyfin उत्तर देता है: How do banks charge for SWIFT payments?
Ohmyfin का जवाब नीचे है (अंग्रेज़ी में)।
SWIFT payments have three fee components: the sender's outbound wire fee (USD 15-50), the correspondent banks' lifting fees (USD 5-30 each, typically 1-3 in the chain), and the beneficiary bank's incoming wire fee (USD 5-25). The 'charges code' (OUR/SHA/BEN) on the payment determines who pays which.
OUR — Sender pays all fees. The beneficiary receives the full amount. Most expensive for the sender; cleanest for the beneficiary. Used for invoice payments where the supplier expects the exact invoiced amount.
SHA (Shared) — Sender pays their bank's fee; correspondents and the beneficiary's bank deduct their own fees from the amount. The beneficiary receives less than the sent amount. Default for most consumer wires.
BEN — Beneficiary pays all fees. Funds are sent net of all charges. Used when the sender is forwarding money on behalf of the beneficiary.
SWIFT GPI requires every bank in the chain to report its fee on the GPI tracker — so when you track the UETR on Ohmyfin you can see exactly which correspondent took which fee. Pre-GPI, charges were opaque.
Tip: for important business payments, always use OUR. The few extra dollars in fees prevent disputes about short payments.
Sender outbound: USD 15-50
Each correspondent in chain: USD 5-30
Beneficiary incoming: USD 5-25
OUR = sender pays all; SHA = shared; BEN = beneficiary pays all
GPI shows every fee transparently on the UETR record
How do banks charge for SWIFT payments?
SWIFT payments have three fee components: the sender's outbound wire fee (USD 15-50), the correspondent banks' lifting fees (USD 5-30 each, typically 1-3 in the chain), and the beneficiary bank's incoming wire fee (USD 5-25). The 'charges code' (OUR/SHA/BEN) on the payment determines who pays which.
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 के उत्तर
क्या Ohmyfin मुफ़्त है?
हाँ, UETR द्वारा SWIFT भुगतान ट्रैकिंग बिना पंजीकरण के मुफ़्त है। खाता बनाने पर दैनिक इतिहास और अधिक मुफ़्त क्रेडिट मिलते हैं।
UETR नंबर क्या है?
UETR (यूनिक एंड-टू-एंड ट्रांजेक्शन रेफरेंस) 36 कैरेक्टर का UUID है जो हर SWIFT GPI भुगतान को सौंपा जाता है ताकि पूरी चेन में ट्रैक किया जा सके।
SWIFT ट्रांसफर में कितना समय लगता है?
अधिकांश SWIFT GPI भुगतान 24 घंटे में पूरे हो जाते हैं; अंतर्राष्ट्रीय ट्रांसफर में मध्यवर्ती बैंकों और मुद्रा के अनुसार 1-5 कार्य दिवस लग सकते हैं।