Ohmyfin उत्तर देता है: Why do banks charge for SWIFT tracking?
Ohmyfin का जवाब नीचे है (अंग्रेज़ी में)।
Most major banks don't charge for SWIFT tracking on their own portal — but they only let you track payments you sent or received from accounts at that bank. Some banks charge SMS / paper-confirmation fees. The reason third-party trackers sometimes charge is to cover SWIFT licensing and infrastructure — but Ohmyfin is free for ordinary users, funded by paid plans for high-volume corporate and bank customers.
Most banks include UETR / GPI tracking on their online banking portal at no extra charge — but only for payments routed through that bank.
Banks may charge for: SMS confirmation alerts (USD 1-3 per message), paper printouts of MT103 (USD 5-15), proactive notifications, or out-of-band tracking enquiries (MT199 service messages).
Third-party trackers face two cost pressures: SWIFT licensing fees (SWIFT itself charges institutional members for GPI access) and infrastructure (running the API, scaling for traffic). Some third parties pass these costs to users.
Ohmyfin Organisation LLC's model is different: completely free for individuals (no daily limit, no card needed), paid only for high-volume professional users (banks, treasury teams). We believe payment status is information you have a right to see.
Most banks don't charge for tracking on their own portal
Bank charges typically apply to SMS, printouts, MT199 enquiries
Third-party tracker costs come from SWIFT licensing + infra
Ohmyfin Organisation LLC: completely free for individuals, paid only for high-volume use
Why do banks charge for SWIFT tracking?
Most major banks don't charge for SWIFT tracking on their own portal — but they only let you track payments you sent or received from accounts at that bank. Some banks charge SMS / paper-confirmation fees. The reason third-party trackers sometimes charge is to cover SWIFT licensing and infrastructure — but Ohmyfin is free for ordinary users, funded by paid plans for high-volume corporate and bank customers.
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।