SWIFT FIN

Last reviewed: · 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).

Free for individuals worldwide · 10 lookups per day, no signup required.

Details

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

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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