Freelancer — Paid from Abroad via SWIFT

You did the work, the client wired the money — but it hasn't arrived. Cross-border SWIFT payments to freelancers can take 1–5 business days and lose 1–4% to FX spread and intermediary fees.

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Paste your UETR — we query the SWIFT GPI network in real time.

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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You did the work, the client wired the money — but it hasn't arrived. Cross-border SWIFT payments to freelancers can take 1–5 business days and lose 1–4% to FX spread and intermediary fees.

How to handle it: Always invoice with full bank details (BIC, IBAN/account, name + address exactly as on the account) and a clear purpose code. Ask the client for the UETR after they send. Track on Ohmyfin to know whether the payment is settled, in flight, or stuck in compliance.

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

Quote in your local currency or USD/EUR; let the client convert.
Use OUR charges instruction so you receive the full amount.
Always request the UETR — never accept "the bank confirmed it" without proof.
Verify by UETR on Ohmyfin before delivering further work.

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 — completely free for individuals worldwide: 10 free trackings per day per IP with no signup, or 15/day plus 100 welcome credits after a free account; no card required.

Can I cancel or recall the payment if needed?

Cancellation works only before the receiving bank credits the account. Recall (after credit) needs the beneficiary's consent. See /help/how-to-cancel-swift-payment and /help/how-to-recall-swift-payment.

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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.

Freelancer — Paid from Abroad via SWIFT

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