跟踪您的国际支付


跟踪您的国际支付的3个步骤

1. 向您的银行索取支付确认, 最好是 MT103.

2. 根据图片中的方案定位UETR、参考号、金额、货币和价值日期.

3. 检查 状态 使用我们的独立支付跟踪器.


注意:我们始终建议联系您的银行以获取有关您的付款状态的官方信息。

MT103 fields for SWIFT tracking online

跟踪您的付款 - 常见问题

是的,您可以。SWIFT付款的发送方应要求其银行提供 GPI跟踪. 如果银行不是GPI网络的一部分,您可以要求 付款参考号 或更好 UETR and try tracking it here on Ohmyfin. Typically, you will find a payment status, such as ACSP (in process) or RJCT (rejected). You will also see the last update time, so you’ll know if someone at the bank is actively working on your transfer.

We retrieve real-time information on your behalf from several major banks and consolidate this data to provide you with a comprehensive overview of your payment status.

SWIFT支付通常需要 1-3个工作日 处理. If the payment has not been received within this timeframe, it might be undergoing manual review. Due to heavy workloads, compliance officers may require up to two months to complete their review. To help expedite the process, the sender can request an investigation through their bank.

A SWIFT payment is sent with an MT103 form. It includes a field 20, usually called the sender's reference. Each bank in the chain assigns their own reference, so the UETR code is more universal. Read more about MT103字段.

A Unique End-to-End Transaction Reference (UETR) is a 36-character identifier included in all SWIFT payment instruction messages, formatted as XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX. It may sometimes be found in the MT103 form. The sender can always request their bank to provide the UETR code for the SWIFT transfer. Read more about UETR in our SWIFT Knowledge Center.

In most cases, the payment is not lost but delayed at one of the banks. The most effective course of action is to request your bank to initiate a payment investigation after 2-3 weeks since the payment was sent. Typically, this can only be done by the sender. Read more about missing SWIFT payments.

The MT103 form contains all the data regarding your SWIFT transfer. The sender can ask their bank to provide one. You can find not only the reference #, which is useful for tracking, but also the value date, which is sometimes different from the actual date when you sent the money. Examples of MT103 / FIN103 documents.

A reference # is assigned by each bank. UETR is universal. However, if you call your bank to ask for the status, it's almost impossible to communicate an UETR code accurately. The sender's reference will be much easier in this scenario.

The list of correspondent banks (nostro accounts) is part of SSI instructions. Sometimes they are published on the official bank's website. Banks normally find it via SWIFTref - a non-public database of correspondent relations. You can also order this information here at TrackMySwift. Database of correspondent relations. You can order it directly on the bank's page, for example: ABNANL2A - ABN AMRO, BPKOPLPW - PKO BANK POLSKI, CITIDEFF - Citibank Germany.