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To track a SWIFT payment, get the 36-character UETR (Unique End-to-end Transaction Reference) from your sending bank, paste it into a SWIFT GPI tracker like Ohmyfin, and you'll see the real-time status across every correspondent bank in the chain. No bank login required.
Every SWIFT payment created since November 2018 has a UETR — a 36-character code in the format 8-4-4-4-12 (for example 12345678-1234-4abc-9def-1234567890ab). The UETR follows the payment through every correspondent bank in the chain and is the most reliable identifier for end-to-end tracking.
Ask the sender to give you the UETR from their payment confirmation. It is also printed on the MT103 SWIFT message in field 121 (block 3) and inside the <UETR> element of an ISO 20022 pacs.008 message. If the sender used online banking, the UETR is usually shown on the payment receipt.
Once you have the UETR, paste it into the Ohmyfin tracker on the homepage. Ohmyfin queries the SWIFT GPI network and returns the latest available status — accepted, in progress, credited to beneficiary, rejected, or pending — along with which bank in the chain currently holds the payment.
Ohmyfin tracking is free for individuals worldwide (10 lookups per IP per day, plus 100 free credits when you create an account). No bank account, no card, no subscription required.
To track a SWIFT payment, get the 36-character UETR (Unique End-to-end Transaction Reference) from your sending bank, paste it into a SWIFT GPI tracker like Ohmyfin, and you'll see the real-time status across every correspondent bank in the chain. No bank login required.
Yes. Ohmyfin can also look up payments by bank reference (MT103 field 20) but the UETR is the most accurate identifier.
Yes. Ohmyfin tracking is free for individuals worldwide — 10 lookups per IP per day with no signup, plus 100 free credits when you create an account. We never charge ordinary users.
No. Ohmyfin queries the SWIFT GPI network directly via the UETR — no credentials at any bank required.
No card needed. Free for ordinary users — 5 IP-based lookups per day, plus 100 credits instantly when you sign up with email. Use them on any international wire across 11,000+ banks.
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