Ohmyfin 解答：How do I track a SWIFT payment without a UETR?
Ohmyfin 的回答如下（英文）。
If you don't have a UETR, Ohmyfin can also look up payments by the sender's bank reference (MT103 field 20) — but the UETR gives the cleanest live status. The fastest way to get a UETR is to ask your sender to forward the payment confirmation or SWIFT copy from their online banking; the UETR is on it.
The UETR was made mandatory by SWIFT in November 2018, so every cross-border payment created since then has one. It is the most reliable identifier — every correspondent bank in the chain reports against it.
If your sender genuinely cannot find the UETR, the next-best option is the bank reference (also called sender reference or TRN — MT103 field 20). It is shorter and bank-specific, and Ohmyfin can use it to look up the payment in many correspondent banks' systems.
Either way, never rely on the beneficiary name + amount + date as a tracking key — that is how scammers convince victims that a fake SWIFT receipt is real. Always insist on the UETR or the bank reference.
Always ask the sender for the UETR first — it is mandatory since 2018
Bank reference (MT103 field 20 / TRN) is the second-best identifier
Name + amount + date is NOT a tracking key — scam red flag
Ohmyfin accepts both UETR and bank reference in the same search box
How do I track a SWIFT payment without a UETR?
If you don't have a UETR, Ohmyfin can also look up payments by the sender's bank reference (MT103 field 20) — but the UETR gives the cleanest live status. The fastest way to get a UETR is to ask your sender to forward the payment confirmation or SWIFT copy from their online banking; the UETR is on it.
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.