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How do banks charge for SWIFT payments?
Ohmyfin 답변: How do banks charge for SWIFT payments?
Ohmyfin의 답변은 아래에 있습니다 (영어).
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 답변
Ohmyfin은 무료인가요?
네, UETR로 SWIFT 결제를 추적하는 것은 등록 없이 무료입니다. 계정을 만들면 일별 이력과 추가 무료 크레딧을 이용할 수 있습니다.
UETR 번호란 무엇인가요?
UETR(고유 종단 간 거래 참조)은 모든 SWIFT GPI 결제에 할당된 36자리 UUID로, 전체 환거래 은행 체인을 통해 추적하는 데 사용됩니다.
SWIFT 송금은 얼마나 걸리나요?
대부분의 SWIFT GPI 결제는 24시간 이내에 완료됩니다. 국제 송금은 중개 은행과 통화에 따라 1-5 영업일이 소요될 수 있습니다.