Ohmyfin giải đáp: How do I track a SWIFT payment without a UETR?
Câu trả lời của Ohmyfin bên dưới (bằng tiếng Anh).
If you don't have a UETR, you can still track using the bank reference (MT103 field 20) on Ohmyfin — paste it the same way you would a UETR. The match will work at the originating bank's leg of the chain. For full end-to-end tracking, ask the sender's bank to look up the UETR that corresponds to your reference — they can do this instantly.
Best option: get the UETR. Every SWIFT payment since November 2018 has one. If the sender can't find it, the sender's bank can — every TRN/reference at a bank maps to exactly one UETR.
Without a UETR, Ohmyfin can search by bank reference (MT103 field 20). This works for many payments, especially recent ones, but only sees the leg known to the originating bank — it cannot show the full chain.
If you only have an amount, sender name, and date, tracking is much harder — banks typically need at least a reference or the UETR to look up a specific payment. Ask the sender to fish out either.
Common scam: someone tells you a payment was sent but refuses to share the UETR or MT103. That is a red flag — every legitimate sender can get the UETR within minutes from their bank.
UETR is best — ask sender's bank to retrieve it
Ohmyfin can also search by MT103 field 20 reference
Without UETR, only the originating leg is visible
Refusal to share UETR = scam red flag
How do I track a SWIFT payment without a UETR?
If you don't have a UETR, you can still track using the bank reference (MT103 field 20) on Ohmyfin — paste it the same way you would a UETR. The match will work at the originating bank's leg of the chain. For full end-to-end tracking, ask the sender's bank to look up the UETR that corresponds to your reference — they can do this instantly.
Is Ohmyfin tracking really free?
Yes. Ohmyfin Organisation LLC tracking is completely free for individuals worldwide — no daily limit, no signup required, no card, no catch. Ohmyfin Organisation LLC never charges individuals.
Do I need a bank login to use Ohmyfin?
No. Ohmyfin queries the SWIFT GPI network directly via the UETR — no credentials at any bank required.
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.