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Why do banks charge for SWIFT tracking?
Ohmyfin 답변: Why do banks charge for SWIFT tracking?
Ohmyfin의 답변은 아래에 있습니다 (영어).
Most major banks don't charge for SWIFT tracking on their own portal — but they only let you track payments you sent or received from accounts at that bank. Some banks charge SMS / paper-confirmation fees. The reason third-party trackers sometimes charge is to cover SWIFT licensing and infrastructure — but Ohmyfin is free for ordinary users, funded by paid plans for high-volume corporate and bank customers.
Most banks include UETR / GPI tracking on their online banking portal at no extra charge — but only for payments routed through that bank.
Banks may charge for: SMS confirmation alerts (USD 1-3 per message), paper printouts of MT103 (USD 5-15), proactive notifications, or out-of-band tracking enquiries (MT199 service messages).
Third-party trackers face two cost pressures: SWIFT licensing fees (SWIFT itself charges institutional members for GPI access) and infrastructure (running the API, scaling for traffic). Some third parties pass these costs to users.
Ohmyfin Organisation LLC's model is different: completely free for individuals (no daily limit, no card needed), paid only for high-volume professional users (banks, treasury teams). We believe payment status is information you have a right to see.
Most banks don't charge for tracking on their own portal
Bank charges typically apply to SMS, printouts, MT199 enquiries
Third-party tracker costs come from SWIFT licensing + infra
Ohmyfin Organisation LLC: completely free for individuals, paid only for high-volume use
Why do banks charge for SWIFT tracking?
Most major banks don't charge for SWIFT tracking on their own portal — but they only let you track payments you sent or received from accounts at that bank. Some banks charge SMS / paper-confirmation fees. The reason third-party trackers sometimes charge is to cover SWIFT licensing and infrastructure — but Ohmyfin is free for ordinary users, funded by paid plans for high-volume corporate and bank customers.
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.