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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.
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.
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.
SWIFT GPI same-currency payments often settle in minutes. Cross-currency typically 4–24 hours. Compliance-heavy corridors can take 2–5 business days.
Yes — free public tracking with completely free for individuals worldwide — no daily limit, no card, no signup required.
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.
No card needed. Free for ordinary users — completely free for individuals — no daily limit, no card required. Track any international wire across 11,000+ banks.
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