Last reviewed: · Curated by Ohmyfin Organisation editorial.
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.
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.
Rarely. Core product is SEPA Instant within EU and Faster Payments for GBP — both bypass SWIFT.
It settled on SEPA / Faster Payments / local rails — none of which use SWIFT or generate a UETR.
Within EU for SEPA Instant, often free vs Wise's small fee. For broader corridors, Wise is usually cheaper.
Typically 30 seconds for EUR transfers within SEPA Instant participating banks.
Only if still pending. SEPA Instant settles in seconds and is non-cancellable.
Yes — FCA-authorised Electronic Money Institution in the UK, plus EU licensing.
160+ countries; strongest in UK, Germany, Poland, Romania, Lithuania, Ukraine, Spain, Italy, and Turkey corridors.
In some corridors yes via partner agents; primary product is bank-to-bank.
£10,000 per transaction for verified accounts; higher with enhanced KYC.
Only the rare SWIFT-routed transfers with a UETR. For SEPA / FPS / local-rail, use the TransferGo app.
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 →