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Your employer is abroad and pays your salary monthly via SWIFT. Variations in arrival timing, FX rate and intermediary fees affect your take-home.
Payment Located
SWIFT GPI Network · Real-time status
Payment Not Found
No record found in SWIFT GPI or any correspondent banking data
Fraud Awareness Notice
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
Your employer is abroad and pays your salary monthly via SWIFT. Variations in arrival timing, FX rate and intermediary fees affect your take-home.
How to handle it: Ensure your bank details (BIC, IBAN/account, exact name + address) are on file with the employer's payroll. Track the UETR on Ohmyfin each month to predict arrival timing and spot any compliance holds early.
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
Negotiate OUR charges instruction with your employer for predictable take-home.
For tax purposes, save the MT103 confirmation and the UETR each month.
If you are paid in a different currency than your home account, expect 0.5–2% FX spread.
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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