Last reviewed: · Curated by Ohmyfin Organisation editorial.
Revolut serves ~45m customers across Europe, UK, US, India, ANZ and APAC. International transfers in EUR/GBP go on local rails (free up to plan limit); transfers in other currencies route via SWIFT and get a UETR. Revolut's in-app tracker says "Pending" until the beneficiary bank confirms — which can take 24-48h. Ohmyfin shows you the live SWIFT chain so you can see the funds are already at the correspondent and just waiting for the final bank to post.
What is Revolut? Revolut serves ~45m customers across Europe, UK, US, India, ANZ and APAC. International transfers in EUR/GBP go on local rails (free up to plan limit); transfers in other currencies route via SWIFT and get a UETR.
How Revolut settles cross-border payments: SEPA, Faster Payments, SWIFT (for non-EUR/GBP international), internal book transfers (free, instant). This means Revolut sometimes uses SWIFT. For international transfers in currencies that aren't SEPA-eligible (EUR within EEA) or Faster-Payments-eligible (GBP within UK). USD, JPY, AUD, CAD, AED, SGD etc. typically go SWIFT.
Tracking a Revolut transfer: Revolut app: Transactions → tap transfer → "Details" → "SWIFT reference / UETR" appears for SWIFT-routed transfers. SEPA / FPS transfers show no UETR.
Revolut pricing — Free internal transfers Revolut→Revolut. Free SEPA up to plan limit. International SWIFT: £3-30 depending on plan + 0-2% FX markup.. Typical speed — Instant internal; same-day SEPA / FPS; 1-3 business days SWIFT.. Coverage — Send to 100+ countries, hold 36 currencies..
Why Ohmyfin matters for Revolut users: Revolut's in-app tracker says "Pending" until the beneficiary bank confirms — which can take 24-48h. Ohmyfin shows you the live SWIFT chain so you can see the funds are already at the correspondent and just waiting for the final bank to post. Ohmyfin is an independent payment-status search service — we are not affiliated with Revolut in any way, and we do not need access to your Revolut account. Free for ordinary users worldwide.
No. Revolut routes EUR transfers inside the EEA via SEPA (free, no UETR), GBP transfers inside the UK via Faster Payments (free, no UETR), and Revolut→Revolut transfers via its internal book (free, instant, no UETR). All other international transfers — USD, JPY, AUD, CAD, AED, etc. — go via SWIFT and do get a UETR.
Open the Revolut app → Transactions → tap the international transfer → Details → scroll to "SWIFT reference" or "UETR". The 36-character UETR (format 8-4-4-4-12 hex) is your tracking key. Tap and hold to copy.
Yes — paste the UETR from the Revolut app into the Ohmyfin tracker. You'll see the live SWIFT GPI status, which correspondent bank currently holds the funds, and any reason codes if the payment is held up. Free for ordinary users.
Revolut's "Pending" status is updated only when the beneficiary bank explicitly confirms receipt — which often happens 24-48 hours after the funds actually arrived. Ohmyfin queries SWIFT GPI directly and shows the real status (ACSP, ACSC, ACCC) much sooner.
Usually yes for small-to-medium amounts. Standard plan: £3 per international transfer + 0.5% FX above £1,000/month. Premium / Metal plans: free SWIFT up to a higher allowance. Compare against a high-street bank charging £15-40 + 3-5% FX spread.
Yes via in-app support — Revolut will raise a SWIFT recall (MT n92 / camt.056) with the beneficiary bank. Success depends on whether the funds have already been credited. Track the UETR on Ohmyfin first to confirm status before requesting recall.
Because it didn't use SWIFT. SEPA EUR transfers, Faster Payments GBP transfers, and Revolut→Revolut transfers all settle on rails other than SWIFT and have their own reference formats (SEPA E2E reference, FPS reference number). Only SWIFT transfers carry a UETR.
Yes if you have the UETR from the sender. The UETR travels with the payment from origin to destination, so the sender or any intermediary bank can give it to you. Paste into Ohmyfin to see the live status — even before Revolut posts it to your account.
For EUR accounts: REVOLT21 (Revolut Bank UAB, Lithuania). For GBP accounts: REVOGB21 (Revolut Ltd, London). Some country accounts use the local partner bank's BIC — check your account details inside the app.
Yes — 5 free UETR lookups per IP per day, plus 100 free credits when you create an Ohmyfin account.
No card needed. Free for ordinary users — 5 IP-based lookups per day, plus 100 credits instantly when you sign up with email. Use them on any international wire across 11,000+ banks.
Sign up free — get 100 credits Or try the tracker now →