Use Ohmyfin to track any SWIFT international payment sent or received through OP Financial Group (OKOYFIHH, Finland). Free, no bank login required, no account needed. Paste the 36-character UETR from your OP Financial Group payment confirmation and you'll see the live SWIFT GPI status in seconds — including which correspondent bank currently holds the funds, the value date, charges and any rejection reason code.
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Details
OP Financial Group at a glance: OP Financial Group is Finland's largest financial services group. International payments via op.fi carry a UETR on the payment confirmation.
Rails OP Financial Group runs over: TARGET2, EBA, SWIFT GPI. Every outbound international payment carries a 36-character UETR (Unique End-to-end Transaction Reference) in SWIFT field 121. The UETR is the only thing you need to track the payment on Ohmyfin — no OP Financial Group credentials.
Where to find the UETR on a OP Financial Group payment: on the international payment confirmation (PDF or email), in online banking under "Transaction details" → "Payment reference", or by asking OP Financial Group for a copy of the MT103 message — the UETR is field 121.
What you'll see when you track: the latest SWIFT GPI status (ACSP in flight, ACSC settled at next bank, ACCC credited to beneficiary, RJCT rejected, PDNG pending, CANC cancelled), the bank that currently holds the funds, the value date, all charges deducted at each correspondent, and any rejection reason code with plain-English explanation.
Why Ohmyfin and not just OP Financial Group's own tracker? Ohmyfin is free and public — you don't need a OP Financial Group login. Ohmyfin also surfaces the full corridor (every correspondent the payment touched), not just the bank's own portion. And Ohmyfin keeps tracking history longer than most bank portals.
Key facts
Bank: OP Financial Group
BIC / SWIFT code: OKOYFIHH
Head office: Finland
Payment rails: TARGET2, EBA, SWIFT GPI
Trackable on Ohmyfin: yes — free, no login
Input required: 36-character UETR (field 121 of your MT103)
Frequently asked questions
How do I track a SWIFT payment sent from OP Financial Group?
Get the 36-character UETR from your OP Financial Group payment confirmation (online banking → transaction details → payment reference, or from the MT103 PDF field 121). Paste it into the Ohmyfin tracker on the homepage. You'll see the live SWIFT GPI status in seconds. No OP Financial Group login required.
Where is the UETR on a OP Financial Group payment confirmation?
On the international payment confirmation (PDF or email) under "Reference details" / "Payment reference", or in OP Financial Group online banking under the transaction's "Details" tab. If you can't find it, request a copy of the MT103 from OP Financial Group — the UETR is in field 121, formatted like 8-4-4-4-12 hexadecimal characters.
Why isn't my OP Financial Group payment showing yet?
Common reasons: (1) the payment has not been released by OP Financial Group yet — wires sent after the cut-off go out the next business day; (2) compliance / sanctions screening is still in progress; (3) the receiving correspondent has not yet reported back; (4) you typed the UETR wrong (it is 36 characters with 4 dashes). Try again in 1-2 hours.
Is OP Financial Group SWIFT tracking free on Ohmyfin?
Yes. Tracking any OP Financial Group international payment by UETR on Ohmyfin is free for ordinary users — completely free for individuals — 10 free trackings/day per IP, no signup, no card required.
Does Ohmyfin work for both incoming and outgoing OP Financial Group payments?
Yes. The UETR travels with the payment from origin to beneficiary, so anyone in the chain — sender, beneficiary, intermediary, even a third party with the UETR — can track it on Ohmyfin. You do not need to be a OP Financial Group customer.
What status codes will I see for a OP Financial Group payment?
The most common are ACSP (accepted, settlement in process — in flight), ACSC (accepted, settlement complete — funds at the next bank), ACCC (accepted, credit settlement completed — credited to the beneficiary), ACCP (accepted customer profile), PDNG (pending, usually compliance), RJCT (rejected — see the reason code), CANC (cancelled / recalled).
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