Inheritance Scam

Inheritance Scam: A "lawyer" / "banker" contacts you claiming a distant relative left you a large inheritance. To claim it, you must pay legal / probate / tax fees via SWIFT.

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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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How the scam works: A "lawyer" / "banker" contacts you claiming a distant relative left you a large inheritance. To claim it, you must pay legal / probate / tax fees via SWIFT.

Many of these scams rely on victims trusting a forged MT103 / pacs.008 PDF without verifying. Ohmyfin lets anyone — for free, with no bank login — look up any UETR in seconds. If a "proof of payment" UETR cannot be found by Ohmyfin, the document is almost certainly fraudulent.

If you believe you have been targeted by this scam, report immediately to: (a) your bank's fraud line, (b) the receiving bank's fraud line, (c) your local police / financial regulator (FBI IC3 in the US, Action Fraud in the UK, AFP in Australia, Europol in Europe).

Key facts

Red flags:
⚠ Unknown relative leaves you a fortune
⚠ Lawyer is in a far-off country with informal contact details
⚠ Up-front fees required to "release" the inheritance
⚠ "Proof" documents look official but cannot be independently verified
How to protect yourself:
✓ Real probate is contacted via a verified law firm; no up-front payment is needed to receive an inheritance
✓ Verify any law firm with the relevant national bar association
✓ Do not engage further; report and delete

Frequently asked questions

What is Inheritance Scam?

A "lawyer" / "banker" contacts you claiming a distant relative left you a large inheritance. To claim it, you must pay legal / probate / tax fees via SWIFT.

How can Ohmyfin help me avoid this scam?

Most SWIFT-payment scams rely on victims accepting a forged MT103 or pacs.008 PDF without verifying. Paste the UETR from any "proof of payment" into the Ohmyfin homepage tracker — if the UETR cannot be located in the SWIFT network, the document is almost certainly fake.

Where do I report this scam?

Contact your bank's fraud line immediately, then your local financial regulator and police. For cross-border fraud, file with the FBI IC3 (US), Action Fraud (UK), the AFP (Australia), or Europol (EU).

Can I recover the money if I have already sent it?

Sometimes. Contact your bank within hours and request a SWIFT recall. Success rates are highest when reported within 24h. After several days the funds are usually unrecoverable.

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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.

Inheritance Scam

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