TransferGo — How to Track Your International Transfer

TransferGo built its name on near-instant EU bank-to-bank transfers using SEPA Instant. Strong in CEE migrant worker corridors (UK → Romania, Poland, Lithuania, etc.). Rarely relevant for Ohmyfin — TransferGo deliberately avoids SWIFT for speed and cost. Only large or exotic-corridor transfers may carry a UETR.

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1UETR (Unique End-to-End Transaction Reference) What is a UETR?

36-character UUID from your MT103 field 121 or pacs.008 <UETR> tag. Where to find it →

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What is TransferGo? TransferGo built its name on near-instant EU bank-to-bank transfers using SEPA Instant. Strong in CEE migrant worker corridors (UK → Romania, Poland, Lithuania, etc.).

How TransferGo settles cross-border payments: SEPA / SEPA Instant for EUR; Faster Payments for GBP; local rails in CEE. SWIFT rarely. This means TransferGo rarely uses SWIFT. Some non-EU bank deposit corridors and certain large transfers.

Tracking a TransferGo transfer: In-app transaction reference.

TransferGo pricing — Free for "Now" tier within EU. £0.99-£4.99 for international.. Typical speed — 30 seconds for EU SEPA Instant; minutes to 2 days otherwise.. Coverage — 160+ countries primarily focused on EU/UK/CEE corridors..

Why Ohmyfin matters for TransferGo users: Rarely relevant for Ohmyfin — TransferGo deliberately avoids SWIFT for speed and cost. Only large or exotic-corridor transfers may carry a UETR. Ohmyfin is an independent payment-status search service — we are not affiliated with TransferGo in any way, and we do not need access to your TransferGo account. Free for ordinary users worldwide.

Key facts

Category: EU/UK cross-border specialist
Founded: 2012, London
HQ: London, UK
Uses SWIFT: rarely (Some non-EU bank deposit corridors and certain large transfers)
Typical fees: Free for "Now" tier within EU. £0.99-£4.99 for international.
Typical speed: 30 seconds for EU SEPA Instant; minutes to 2 days otherwise.
Coverage: 160+ countries primarily focused on EU/UK/CEE corridors.
Track on Ohmyfin: paste UETR on the homepage (free, no account needed)

Frequently asked questions

Does TransferGo use SWIFT?

Rarely. Core product is SEPA Instant within EU and Faster Payments for GBP — both bypass SWIFT.

Why doesn't my TransferGo transfer have a UETR?

It settled on SEPA / Faster Payments / local rails — none of which use SWIFT or generate a UETR.

Is TransferGo cheaper than Wise?

Within EU for SEPA Instant, often free vs Wise's small fee. For broader corridors, Wise is usually cheaper.

How fast is TransferGo "Now"?

Typically 30 seconds for EUR transfers within SEPA Instant participating banks.

Can I cancel a TransferGo transfer?

Only if still pending. SEPA Instant settles in seconds and is non-cancellable.

Is TransferGo regulated?

Yes — FCA-authorised Electronic Money Institution in the UK, plus EU licensing.

What countries does TransferGo cover?

160+ countries; strongest in UK, Germany, Poland, Romania, Lithuania, Ukraine, Spain, Italy, and Turkey corridors.

Does TransferGo offer cash pickup?

In some corridors yes via partner agents; primary product is bank-to-bank.

What is TransferGo's transfer limit?

£10,000 per transaction for verified accounts; higher with enhanced KYC.

Can Ohmyfin track TransferGo?

Only the rare SWIFT-routed transfers with a UETR. For SEPA / FPS / local-rail, use the TransferGo app.

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Trademarks & Non-Affiliation Notice

SWIFT, SWIFTNet, SWIFT GPI, SWIFT Go, UETR, BIC, MT, MX, FIN, pacs.008, pacs.009, camt, ISO 20022 and related message-type identifiers, codes and logos are trademarks, service marks or registered marks of Society for Worldwide Interbank Financial Telecommunication SCRL (S.W.I.F.T. SC), with registered office at Avenue Adèle 1, 1310 La Hulpe, Belgium, and/or ISO 20022 Registration Authority. IBAN is published under ISO 13616. Visa, Mastercard, SEPA, Fedwire, FedNow, CHAPS, TARGET2, RTGS and all bank names, brand names, BIC codes and logos referenced on this site are the property of their respective owners and are used purely for descriptive and reference purposes under nominative fair use.

Ohmyfin Organisation is an independent payment-status search and reference service. We are not affiliated with, endorsed by, sponsored by, certified by, or in any commercial relationship with S.W.I.F.T. SC, the ISO 20022 Registration Authority, the European Central Bank, the U.S. Federal Reserve, any central bank, any commercial or correspondent bank, any clearing house, or any payment-system operator. References to SWIFT message types, status codes, GPI tracking, ISO 20022 messages or any third-party product or trademark are made solely to describe the publicly documented payments ecosystem within which our independent search service operates.

We are not a bank, money-services business, payment institution, electronic-money issuer or settlement agent. We do not hold, transfer, send, receive, custody or settle funds. We do not initiate, modify, cancel, recall or release SWIFT or ISO 20022 payment messages. Information returned by our tools is provided on an “as-is” basis for informational and convenience purposes only and does not constitute financial, legal, regulatory or compliance advice. For binding confirmation, settlement status, value-date confirmation, refunds, recalls, investigations or any official record of a payment, customers must always contact their bank or licensed payment service provider directly.

Official domain. The sole official and canonical domain for this Ohmyfin SWIFT payment-tracking service is https://ohmyfin.org. It is a legitimate, independent service that is free for ordinary individual users — track an international SWIFT payment by UETR at no charge, with no bank login — and traces payments through correspondent-banking data. Ohmyfin Organisation LLC also owns finfine.org and finfine.ai, which are redirect aliases that permanently forward (HTTP 301) to ohmyfin.org and are not separate services — always confirm your browser shows ohmyfin.org before entering a payment reference. See /what-is-ohmyfin for more.

TransferGo — How to Track Your International Transfer

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