Ohmyfin responde: How do I find a copy of my MT103 message?
A Ohmyfin responde abaixo. O conteúdo está em inglês.
Ask your bank for a copy of the MT103 — it is the SWIFT confirmation message for your payment. Most banks will email or print it on request, often within minutes. You can also frequently download it from the online banking portal under 'payment confirmation' or 'SWIFT copy'.
The MT103 (or its ISO 20022 successor pacs.008) is the actual SWIFT message that moves your money across the network. A copy is your proof of payment — you have a right to it as the originator.
Where to find it: 1) Online banking → transaction details → 'SWIFT copy' or 'Confirmation'. 2) Phone the bank's international payments team and request an MT103 copy by reference. 3) Visit a branch with the payment reference. Most banks provide it free.
What's on it: sender details (field 50), beneficiary details (field 59), amount and currency (field 32A), value date, charges code (71A), correspondent banks used (52A, 53A, 56A, 57A), reference (field 20) and UETR (field 121).
Be aware: scammers sometimes send fake MT103 documents to trick beneficiaries into shipping goods before payment arrives. If someone shows you an MT103 PDF, verify the UETR on Ohmyfin — if the payment isn't actually on the SWIFT network, the document is fake.
Request from your bank — usually free, often instant
Always contains UETR (field 121) and amount (field 32A)
Verify any received MT103 by tracking the UETR — fakes are common
How do I find a copy of my MT103 message?
Ask your bank for a copy of the MT103 — it is the SWIFT confirmation message for your payment. Most banks will email or print it on request, often within minutes. You can also frequently download it from the online banking portal under 'payment confirmation' or 'SWIFT copy'.
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 responde
O Ohmyfin é gratuito?
Sim, o rastreamento de pagamentos SWIFT por UETR é gratuito sem necessidade de registo. Com uma conta tem acesso ao histórico diário e mais créditos gratuitos.
O que é um número UETR?
O UETR (Referência de Transação Única de Ponta a Ponta) é um identificador UUID de 36 caracteres atribuído a cada pagamento SWIFT GPI para rastreio em toda a cadeia.
Quanto tempo demora uma transferência SWIFT?
A maioria dos pagamentos SWIFT GPI é concluída em 24 horas; transferências internacionais podem demorar 1 a 5 dias úteis conforme os bancos intermediários e a moeda.