Ohmyfin risponde: How do I prove I sent a SWIFT payment?
Ohmyfin risponde qui sotto (in inglese).
Three forms of proof, in order of strength: 1) The MT103 / pacs.008 SWIFT confirmation message from your bank — request a copy from your bank, it includes the UETR (field 121) which is independently verifiable; 2) A live GPI tracking screenshot from Ohmyfin showing the UETR's current status; 3) Your bank's payment receipt or statement entry. Together these are unambiguous, court-grade proof.
If you sent the payment, your bank can produce an MT103 / pacs.008 copy on request — usually free, often within minutes. This is the actual SWIFT message that moved your money. It contains the UETR, sender, beneficiary, amount, currency, value date, charge bearer, and routing.
Why this matters: a recipient can independently verify that the MT103 is real by tracking the UETR on Ohmyfin. If Ohmyfin shows the same UETR with the same amount and beneficiary, the payment is provably real.
Add a live tracking screenshot from Ohmyfin showing the current status (ACSP / ACSC / ACCC). This proves the payment is currently active or settled in the SWIFT network.
Add your bank statement entry showing the debit. This proves the funds left your account.
What does NOT count as proof: a screenshot of an internal banking confirmation page (easy to fake), a forwarded email from the bank (also easy to fake), a verbal assurance from the sender. Always insist on the MT103 + UETR + tracking screenshot.
Best: MT103 / pacs.008 copy from your bank
Plus: live UETR tracking on Ohmyfin (independent verification)
Plus: bank statement entry showing the debit
Internal-portal screenshots alone are not strong proof
How do I prove I sent a SWIFT payment?
Three forms of proof, in order of strength: 1) The MT103 / pacs.008 SWIFT confirmation message from your bank — request a copy from your bank, it includes the UETR (field 121) which is independently verifiable; 2) A live GPI tracking screenshot from Ohmyfin showing the UETR's current status; 3) Your bank's payment receipt or statement entry. Together these are unambiguous, court-grade proof.
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.