Ohmyfin menjawab: How much does a SWIFT international payment cost?
Jawaban Ohmyfin di bawah (dalam bahasa Inggris).
A typical SWIFT international wire costs $20-50 from the sender plus $10-30 of intermediary correspondent charges plus $10-25 the beneficiary bank deducts on receipt. Total real cost is usually $40-100 per payment plus FX margin (often 1-3% above the interbank rate). Tracking the UETR is free on Ohmyfin.
There are three cost layers. (1) The sender's bank fee, typically $20-50 (corporate plans often $5-15). (2) Correspondent / intermediary fees — every bank in the chain deducts a $10-30 fee from the payment if charges are OUR or SHA. (3) Beneficiary-bank inward-payment fee, $10-25 in most countries.
Charge bearer is set on MT103 field 71A: OUR (sender pays everything — beneficiary gets full amount), SHA (sender pays sending fee, beneficiary pays receiving), BEN (beneficiary pays everything — most expensive for them).
FX is the biggest hidden cost — banks typically apply a 1-3% margin on top of the mid-market rate. For a $10,000 transfer that's $100-300 of FX cost on top of the $40-100 in explicit fees.
Sender fee: $20-50 typical, $5-15 corporate
Correspondent chain: $10-30 per intermediary (1-3 typical)
Beneficiary inward fee: $10-25 in most countries
FX margin: usually 1-3% above interbank — often the biggest cost
Tracking the UETR on Ohmyfin: free
How much does a SWIFT international payment cost?
A typical SWIFT international wire costs $20-50 from the sender plus $10-30 of intermediary correspondent charges plus $10-25 the beneficiary bank deducts on receipt. Total real cost is usually $40-100 per payment plus FX margin (often 1-3% above the interbank rate). Tracking the UETR is free on Ohmyfin.
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 menjawab
Apakah Ohmyfin gratis?
Ya, pelacakan pembayaran SWIFT via UETR gratis tanpa pendaftaran. Dengan akun Anda mendapatkan riwayat harian dan kredit gratis tambahan.
Apa itu nomor UETR?
UETR (Referensi Transaksi Unik End-to-End) adalah UUID 36 karakter yang ditetapkan untuk setiap pembayaran SWIFT GPI untuk melacaknya melalui seluruh rantai bank koresponden.
Berapa lama transfer SWIFT?
Sebagian besar pembayaran SWIFT GPI selesai dalam 24 jam; transfer lintas batas dapat memakan waktu 1-5 hari kerja tergantung bank perantara dan mata uang.