Ohmyfin yanıtlıyor: SWIFT vs Wise vs Revolut — which is best for international transfers?
Ohmyfin'in yanıtı aşağıda (İngilizce).
SWIFT (via your bank) is best for large business / corporate payments and for currencies/corridors the fintechs don't cover. Wise is best for personal cross-border payments under $50k in major currencies — typically 5-10x cheaper on FX. Revolut is best for in-app peer-to-peer between Revolut users (instant, free) and for travel-currency spending. All three can be tracked on Ohmyfin if you have the UETR.
SWIFT: universal — every bank in the world can receive a SWIFT wire. Cost $40-100 + 1-3% FX margin. Speed 0.5-3 business days. Best for high-value, regulated, business-critical payments.
Wise: uses local rails on both ends, not SWIFT. Cost typically 0.4-1% all-in. Speed minutes to 2 business days. Best for personal and SMB transfers in the 30+ currencies Wise actually supports.
Revolut: free instant transfers Revolut-to-Revolut, otherwise uses SWIFT or local rails. Cost similar to Wise on weekday business hours, higher markup on weekends.
For very large transfers ($100k+), exotic currencies, or anywhere your beneficiary's bank cannot receive from a fintech, SWIFT is still the only practical choice — and that's where Ohmyfin tracking matters most.
SWIFT: universal, $40-100 + 1-3% FX, 0.5-3 days, best for high-value / business
Wise: cheapest for personal cross-border <$50k, 0.4-1% all-in
Revolut: free instant for Revolut-to-Revolut, otherwise SWIFT/local
Track any SWIFT-leg of the journey free on Ohmyfin via the UETR
SWIFT vs Wise vs Revolut — which is best for international transfers?
SWIFT (via your bank) is best for large business / corporate payments and for currencies/corridors the fintechs don't cover. Wise is best for personal cross-border payments under $50k in major currencies — typically 5-10x cheaper on FX. Revolut is best for in-app peer-to-peer between Revolut users (instant, free) and for travel-currency spending. All three can be tracked on Ohmyfin if you have the UETR.
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 yanıtlıyor
Ohmyfin ücretsiz mi?
Evet, UETR ile SWIFT ödeme takibi kayıt gerektirmeden ücretsizdir. Hesap oluşturarak günlük geçmişe ve ek ücretsiz kredilere erişebilirsiniz.
UETR numarası nedir?
UETR (Benzersiz Uçtan Uca İşlem Referansı), her SWIFT GPI ödemesine atanan ve muhabir bankalar zinciri boyunca takip için kullanılan 36 karakterlik UUID'dir.
SWIFT havalesi ne kadar sürer?
SWIFT GPI ödemelerinin çoğu 24 saat içinde tamamlanır; sınır ötesi transferler muhabir bankalara ve para birimine bağlı olarak 1-5 iş günü sürebilir.