Ohmyfin risponde: How do banks charge for SWIFT payments?
Ohmyfin risponde qui sotto (in inglese).
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 risponde
Ohmyfin è gratuito?
Sì, il monitoraggio dei pagamenti SWIFT tramite UETR è gratuito senza registrazione. Con un account si accede allo storico giornaliero e a crediti gratuiti aggiuntivi.
Cos'è un numero UETR?
L'UETR (Riferimento Univoco di Transazione End-to-End) è un UUID di 36 caratteri assegnato a ogni pagamento SWIFT GPI per tracciarlo lungo tutta la catena corrispondente.
Quanto tempo richiede un bonifico SWIFT?
La maggior parte dei pagamenti SWIFT GPI si completa entro 24 ore; i bonifici transfrontalieri possono richiedere 1-5 giorni lavorativi a seconda delle banche intermediarie e della valuta.