How do I get the UETR from my bank?

Ask your bank for the SWIFT confirmation or MT103 copy of your payment — the UETR appears in field 121. Most online banking portals also show the UETR on the payment receipt or transaction details screen, often labelled 'UETR', 'SWIFT reference' or 'GPI reference'.

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36-character UUID from your MT103 field 121 or pacs.008 <UETR> tag. Where to find it →

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If you sent the payment, log in to your online banking and open the transaction details. Look for a 36-character code labelled 'UETR', 'SWIFT GPI reference', 'End-to-end tracking ID' or 'Unique reference'. Banks like HSBC, Barclays, Citi, JPM, Wells Fargo and Chase show it directly in the payment confirmation.

If you can't find it, request a copy of the MT103 from your bank. The UETR is in field 121 inside block 3 of the message. Most banks will email or print this on request — it's free.

If you are the beneficiary, the sender's bank holds the UETR. Ask the sender to forward the SWIFT confirmation. The same UETR works at every bank in the chain — beneficiary banks can also look it up if you ask.

Some banks (mainly retail / smaller institutions) hide the UETR from customers and require a phone-banking request. Insist — the UETR is mandatory data on every SWIFT payment since 2018 and you have a right to it.

Key facts

Frequently asked questions

How do I get the UETR from my bank?

Ask your bank for the SWIFT confirmation or MT103 copy of your payment — the UETR appears in field 121. Most online banking portals also show the UETR on the payment receipt or transaction details screen, often labelled 'UETR', 'SWIFT reference' or 'GPI reference'.

Is Ohmyfin tracking really free?

Yes. Ohmyfin Organisation LLC tracking is completely free for individuals worldwide — 10 free trackings per day per IP with no signup, or 15/day after a free account; 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.

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