ホーム › Ohmyfin が答える SWIFT 国際送金 Q&A › How do I prove I sent a SWIFT payment?
Ohmyfin の回答は以下のとおりです（英語）。
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.