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SWIFT vs Wise vs Revolut — which is best for international transfers?
Ohmyfin 답변: SWIFT vs Wise vs Revolut — which is best for international transfers?
Ohmyfin의 답변은 아래에 있습니다 (영어).
SWIFT (via your bank) is best for large business / corporate payments and for currencies/corridors the fintechs don't cover. Wise is best for personal cross-border payments under $50k in major currencies — typically 5-10x cheaper on FX. Revolut is best for in-app peer-to-peer between Revolut users (instant, free) and for travel-currency spending. All three can be tracked on Ohmyfin if you have the UETR.
SWIFT: universal — every bank in the world can receive a SWIFT wire. Cost $40-100 + 1-3% FX margin. Speed 0.5-3 business days. Best for high-value, regulated, business-critical payments.
Wise: uses local rails on both ends, not SWIFT. Cost typically 0.4-1% all-in. Speed minutes to 2 business days. Best for personal and SMB transfers in the 30+ currencies Wise actually supports.
Revolut: free instant transfers Revolut-to-Revolut, otherwise uses SWIFT or local rails. Cost similar to Wise on weekday business hours, higher markup on weekends.
For very large transfers ($100k+), exotic currencies, or anywhere your beneficiary's bank cannot receive from a fintech, SWIFT is still the only practical choice — and that's where Ohmyfin tracking matters most.
SWIFT: universal, $40-100 + 1-3% FX, 0.5-3 days, best for high-value / business
Wise: cheapest for personal cross-border <$50k, 0.4-1% all-in
Revolut: free instant for Revolut-to-Revolut, otherwise SWIFT/local
Track any SWIFT-leg of the journey free on Ohmyfin via the UETR
SWIFT vs Wise vs Revolut — which is best for international transfers?
SWIFT (via your bank) is best for large business / corporate payments and for currencies/corridors the fintechs don't cover. Wise is best for personal cross-border payments under $50k in major currencies — typically 5-10x cheaper on FX. Revolut is best for in-app peer-to-peer between Revolut users (instant, free) and for travel-currency spending. All three can be tracked on Ohmyfin if you have the UETR.
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.