Last reviewed: · Curated by Ohmyfin Organisation editorial.
You are paying an overseas hospital or clinic and need certainty the payment arrives in time for treatment / surgery.
Details
You are paying an overseas hospital or clinic and need certainty the payment arrives in time for treatment / surgery.
How to handle it: Pay 5–7 business days before treatment. Charges instruction OUR ensures the full payment arrives. Save the UETR for medical-tourism insurance claims and tax-deduction purposes (where applicable).
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
Some countries impose extra compliance review on medical payments — pad the timing.
Include patient name + appointment reference in field 70.
Keep the MT103 + UETR + receipt as part of your medical records.
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 10 free scans per IP per day for individuals worldwide and 100 free credits when you sign up.
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.
Related — more from swift payment use cases and beyond
Get 100 free credits — track unlimited SWIFT payments
No card needed. Free for ordinary users — 5 IP-based lookups per day, plus 100 credits instantly when you sign up with email. Use them on any international wire across 11,000+ banks.