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You are donating to an overseas charity / NGO. Verifying receipt is important for tax-deduction and your own peace of mind.
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If you received a payment document from a third party, verify directly with your own bank before releasing goods or funds. Fake MT103 / pacs.008 confirmations are widely used in advance-fee scams. See our fraud guide →
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Details
You are donating to an overseas charity / NGO. Verifying receipt is important for tax-deduction and your own peace of mind.
How to handle it: Get the charity's BIC + account from their official website (NEVER from an email — fake-charity scams are common). Wire via SWIFT MT103. Save the UETR and confirm receipt by tracking on Ohmyfin. Request a written acknowledgement from the charity.
Whatever route you take, every SWIFT payment carries a 36-character UETR (Unique End-to-end Transaction Reference). Paste the UETR into the Ohmyfin tracker to see the latest available SWIFT status in seconds — settled, in flight, pending compliance, or rejected.
Key facts
Verify the charity exists and is registered in its home country before donating.
Charges instruction OUR means the charity receives the full donation.
Keep the UETR + acknowledgement for tax-deduction filing.
Frequently asked questions
What is a UETR and why do I need one?
The UETR is the SWIFT-network identifier for your payment, mandatory on every payment since November 2018. It is the only way to track a payment in real time across all the correspondents in the chain.
How long should this kind of SWIFT payment take?
SWIFT GPI same-currency payments often settle in minutes. Cross-currency typically 4–24 hours. Compliance-heavy corridors can take 2–5 business days.
Is Ohmyfin tracking free?
Yes — free public tracking with completely free for individuals worldwide — no daily limit, no card, no signup required.
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