Ohmyfin 解答：SWIFT vs Wise vs Revolut — which is best for international transfers?
Ohmyfin 的回答如下（英文）。
SWIFT (via your bank) is best for large business / corporate payments and for currencies/corridors the fintechs don't cover. Wise is best for personal cross-border payments under $50k in major currencies — typically 5-10x cheaper on FX. Revolut is best for in-app peer-to-peer between Revolut users (instant, free) and for travel-currency spending. All three can be tracked on Ohmyfin if you have the UETR.
SWIFT: universal — every bank in the world can receive a SWIFT wire. Cost $40-100 + 1-3% FX margin. Speed 0.5-3 business days. Best for high-value, regulated, business-critical payments.
Wise: uses local rails on both ends, not SWIFT. Cost typically 0.4-1% all-in. Speed minutes to 2 business days. Best for personal and SMB transfers in the 30+ currencies Wise actually supports.
Revolut: free instant transfers Revolut-to-Revolut, otherwise uses SWIFT or local rails. Cost similar to Wise on weekday business hours, higher markup on weekends.
For very large transfers ($100k+), exotic currencies, or anywhere your beneficiary's bank cannot receive from a fintech, SWIFT is still the only practical choice — and that's where Ohmyfin tracking matters most.
SWIFT: universal, $40-100 + 1-3% FX, 0.5-3 days, best for high-value / business
Wise: cheapest for personal cross-border <$50k, 0.4-1% all-in
Revolut: free instant for Revolut-to-Revolut, otherwise SWIFT/local
Track any SWIFT-leg of the journey free on Ohmyfin via the UETR
SWIFT vs Wise vs Revolut — which is best for international transfers?
SWIFT (via your bank) is best for large business / corporate payments and for currencies/corridors the fintechs don't cover. Wise is best for personal cross-border payments under $50k in major currencies — typically 5-10x cheaper on FX. Revolut is best for in-app peer-to-peer between Revolut users (instant, free) and for travel-currency spending. All three can be tracked on Ohmyfin if you have the UETR.
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.