Ohmyfin odpowiada: Why is my bank's tracker suddenly showing no results?
Odpowiedź Ohmyfin poniżej (po angielsku).
Bank-side public payment trackers typically have short data-retention windows — Deutsche Bank's corporates.db.com keeps records about 7 days, HSBC ~30 days, Citi ~14-21 days. After that, or once a payment moves to a final state (credited / rejected) or is recalled, the public lookup returns 'no results'. The payment still exists in the SWIFT network — Ohmyfin retains tracking history longer than most bank portals.
Bank public trackers exist to give customers and counterparties real-time visibility into recent payments. They are not designed as long-term archives.
Common retention windows: Deutsche Bank corporates.db.com ~7 days, HSBC Connect ~30 days, Citi CitiDirect ~14-21 days, JPM Access ~30 days, BNP Paribas Centric ~14 days. SWIFT's own institutional tracker (tracker.swift.com) keeps 124 days.
Reasons for the short retention: GDPR / data minimisation rules in Europe limit how long banks can publicly expose payment metadata; cost of running large historical lookups; fraud prevention (old completed UETRs can be misused in fake-MT103 scams).
Workarounds: 1) Use Ohmyfin — we keep tracking history longer than most bank portals; 2) Ask the bank's corporate / treasury team for an internal lookup, which is usually accessible for years; 3) Keep your own copy of the SWIFT confirmation when you send a payment.
Bank public trackers retain only 7-30 days typically
Final-state payments often de-listed early
Recalled / sanctions-held payments hidden by policy
Ohmyfin keeps tracking history longer than most bank portals
Why is my bank's tracker suddenly showing no results?
Bank-side public payment trackers typically have short data-retention windows — Deutsche Bank's corporates.db.com keeps records about 7 days, HSBC ~30 days, Citi ~14-21 days. After that, or once a payment moves to a final state (credited / rejected) or is recalled, the public lookup returns 'no results'. The payment still exists in the SWIFT network — Ohmyfin retains tracking history longer than most bank portals.
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 odpowiada
Czy Ohmyfin jest bezpłatny?
Tak, śledzenie płatności SWIFT po UETR jest bezpłatne bez rejestracji. Konto daje dostęp do dziennej historii i dodatkowych bezpłatnych kredytów.
Co to jest numer UETR?
UETR (Unikalny End-to-End Identyfikator Transakcji) to 36-znakowy UUID przypisany do każdej płatności SWIFT GPI do śledzenia przez cały łańcuch korespondentów.
Ile trwa przelew SWIFT?
Większość płatności SWIFT GPI jest realizowana w ciągu 24 godzin; przelewy transgraniczne mogą trwać 1-5 dni roboczych w zależności od banków pośredniczących i waluty.