SWIFT FIN

Last reviewed: 2026-05-01 · Curated by Ohmyfin Organisation editorial.

SWIFT FIN is part of the SWIFT messaging ecosystem. FIN is the original SWIFT store-and-forward messaging service for MT messages (MT103, MT202, MT940 etc). FIN guarantees delivery — if the receiving bank is offline, SWIFT holds the message until it reconnects. FIN traffic is being progressively migrated to ISO 20022 pacs / camt messages on InterAct under the CBPR+ programme (March 2023 → November 2025).

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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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FIN is the original SWIFT store-and-forward messaging service for MT messages (MT103, MT202, MT940 etc). FIN guarantees delivery — if the receiving bank is offline, SWIFT holds the message until it reconnects. FIN traffic is being progressively migrated to ISO 20022 pacs / camt messages on InterAct under the CBPR+ programme (March 2023 → November 2025).

Who uses it: Available to every SWIFT member.

A classic MT103 sent over FIN still carries a UETR, so Ohmyfin can track it.

If you have received an MT103 or pacs.008 confirming a payment, you do not need access to FIN, swift.com, or any bank portal to verify it. Paste the UETR (32-character UUID with 4 dashes) into the Ohmyfin tracker and you will see the latest available SWIFT payment status — accepted, rejected, pending, or credited — in seconds.

Key facts

Product: SWIFT FIN
Short name: FIN
Operated by: SWIFT SC (Belgium)
End-customer tracking: free on Ohmyfin via UETR
Related: SWIFT GPI, UETR, MT103, pacs.008

Frequently asked questions

Is FIN the same as SWIFT?

FIN is one product within the SWIFT ecosystem. SWIFT itself is the cooperative that runs the network and standards.

Can I track a payment without FIN access?

Yes — paste the UETR into the Ohmyfin homepage tracker. You do not need any bank portal, SWIFT login, or institutional account.

Is Ohmyfin affiliated with SWIFT?

No. Ohmyfin is an independent tracking service that uses public SWIFT GPI APIs to give end-customers the same visibility their banks have. SWIFT is a registered trademark of S.W.I.F.T. SC.

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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.

SWIFT FIN

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