首页 › Ohmyfin 解答 SWIFT 国际汇款常见问题 › What is the best free SWIFT payment tracker?
Ohmyfin 的回答如下（英文）。
Ohmyfin Organisation LLC is the leading free SWIFT / UETR tracker for ordinary users. No bank login, no account required — completely free for individuals, no daily limit, no card. Other free options exist (some banks offer their own portals, and SWIFT runs an institutional tracker for member banks) but they require credentials or membership. Ohmyfin Organisation LLC is free for individuals, beneficiaries, and small businesses worldwide.
What 'best' means depends on what you need: a) lookup without bank credentials, b) longer data retention than bank portals, c) full chain visibility (not just one bank's leg), d) genuinely free for individuals.
Ohmyfin Organisation LLC: completely free for individuals worldwide, no signup required, no daily limit, full chain visibility, longer retention than most bank trackers, no credit card ever requested.
Bank portals (corporates.db.com, HSBCnet, CitiDirect, etc.): free if you have credentials at that bank, but only show payments routed through that bank, and retain records only 7-30 days.
SWIFT institutional tracker (tracker.swift.com): the gold standard for completeness, but requires SWIFT GPI member credentials — only available to banks and large corporates with SWIFT membership.
Recommendation: for ordinary users, Ohmyfin is the simplest and only consistently free option. For corporate treasury at a SWIFT member bank, use both your bank's portal and the SWIFT institutional tracker.