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What is the difference between OUR, SHA, and BEN charges in SWIFT payments?
Ohmyfin giải đáp: What is the difference between OUR, SHA, and BEN charges in SWIFT payments?
Câu trả lời của Ohmyfin bên dưới (bằng tiếng Anh).
OUR, SHA, and BEN are SWIFT charge-bearer codes in MT103 field 71A. OUR = the sender pays all fees (both legs), beneficiary receives the exact amount. SHA = sender pays their bank's fee, beneficiary pays the receiving bank's fee. BEN = beneficiary pays all fees, sender pays nothing extra. OUR is the most expensive for the sender; BEN is the most expensive for the beneficiary.
OUR (All Charges from Sender): the originating bank collects the total estimated correspondent chain cost upfront from the sender. The beneficiary receives the full face amount. This costs the sender more, but gives certainty on the beneficiary side — useful for business payments where the invoice amount must match exactly.
SHA (Shared Charges): the most common option. The sender pays their own bank's outgoing fee, and each correspondent and the beneficiary bank deducts their fee from the payment amount in transit. The beneficiary receives the payment minus all deductions. Total cost is shared across the chain.
BEN (All Charges from Beneficiary): the originating bank sends the payment without collecting any fee upfront. Every bank in the chain deducts its cost from the payment amount, and the final beneficiary receives the remainder. Rarely used because it makes the sender appear to be getting a fee reduction while the beneficiary bears all costs.
ISO 20022 equivalents: in pacs.008 the charge bearer is in the <ChrgBr> element: DEBT (= OUR), SHAR (= SHA), CRED (= BEN), SLEV (service-level default).
OUR = sender pays everything; beneficiary gets exact invoice amount
SHA = costs shared; beneficiary gets amount minus deductions
BEN = beneficiary pays everything; most expensive for the beneficiary
Most cross-border business payments use SHA
ISO 20022 equivalent: DEBT / SHAR / CRED in pacs.008 <ChrgBr>
What is the difference between OUR, SHA, and BEN charges in SWIFT payments?
OUR, SHA, and BEN are SWIFT charge-bearer codes in MT103 field 71A. OUR = the sender pays all fees (both legs), beneficiary receives the exact amount. SHA = sender pays their bank's fee, beneficiary pays the receiving bank's fee. BEN = beneficiary pays all fees, sender pays nothing extra. OUR is the most expensive for the sender; BEN is the most expensive for the beneficiary.
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Ohmyfin giải đáp
Ohmyfin có miễn phí không?
Có, theo dõi thanh toán SWIFT qua UETR miễn phí mà không cần đăng ký. Tạo tài khoản để truy cập lịch sử hàng ngày và tín dụng miễn phí bổ sung.
Số UETR là gì?
UETR (Tham chiếu Giao dịch Duy nhất Đầu cuối) là UUID 36 ký tự được gán cho mỗi thanh toán SWIFT GPI để theo dõi qua toàn bộ chuỗi ngân hàng đại lý.
Chuyển tiền SWIFT mất bao lâu?
Hầu hết thanh toán SWIFT GPI hoàn tất trong 24 giờ; chuyển tiền quốc tế có thể mất 1-5 ngày làm việc tùy theo ngân hàng trung gian và loại tiền tệ.