SWIFT gpi ensures processing of cross-border payments close to real time and guarantees immediate execution of cross-border payments at an execution date set by the customer. By joining SWIFT gpi, Santander Bank Polska has gained access to Tracker, a new solution prepared by SWIFT. Tracker allows the customer to track the location of the payment and sends a confirmation about the transaction status. In addition, Tracker provides full visibility over the bank fees charged and FX rates applied by correspondent banks for payment conversion. This information is important for any customer who either orders a cross-border payment or is waiting for a cross-border payment to be paid. Having access to Tracker, we can deliver to our customers reliable information concerning the expected date of crediting the payment to the beneficiary’s account. By having access to information on transaction status, we can inform our customers why a payment was stopped by intermediary banks. For the bank, access to the information stored in Tracker means considerable reduction of costs incurred in the process of handling complaints related to cross-border payments.