Ohmyfin giải đáp: Is the UETR the same as the payment reference number?
Câu trả lời của Ohmyfin bên dưới (bằng tiếng Anh).
No. The UETR is a 36-character global tracking ID generated by SWIFT (mandatory since 2018). The 'reference number' usually refers to a bank-assigned identifier (TRN) or the customer's free-text reference in field 20 / 70. They are different fields with different purposes — the UETR for end-to-end tracking, the reference for human-readable identification.
UETR — 36 characters, hex, format 8-4-4-4-12, in MT103 field 121. Mandatory on every SWIFT payment. Used for tracking the payment across the correspondent chain.
Bank reference / TRN — variable length (up to 16 chars), bank-assigned, in MT103 field 20 (Sender's Reference). Different at each bank in the chain.
Customer reference — free text up to 4 lines of 35 chars, in MT103 field 70 (Remittance Information). What the customer writes for the beneficiary's records (invoice number, contract reference, etc.).
When someone says 'send me the reference', clarify which one they mean. For tracking, you want the UETR. For matching to an invoice in accounts payable, you want field 70.
UETR — 36 chars, global, field 121, for tracking
TRN / Sender's Ref — bank-assigned, ~16 chars, field 20
Remittance Info — free text, field 70, for invoice matching
Always clarify which 'reference' someone is asking for
Is the UETR the same as the payment reference number?
No. The UETR is a 36-character global tracking ID generated by SWIFT (mandatory since 2018). The 'reference number' usually refers to a bank-assigned identifier (TRN) or the customer's free-text reference in field 20 / 70. They are different fields with different purposes — the UETR for end-to-end tracking, the reference for human-readable identification.
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.