Last reviewed: · Curated by Ohmyfin Organisation editorial.
If you don't have a UETR, you can still track using the bank reference (MT103 field 20) on Ohmyfin — paste it the same way you would a UETR. The match will work at the originating bank's leg of the chain. For full end-to-end tracking, ask the sender's bank to look up the UETR that corresponds to your reference — they can do this instantly.
Best option: get the UETR. Every SWIFT payment since November 2018 has one. If the sender can't find it, the sender's bank can — every TRN/reference at a bank maps to exactly one UETR.
Without a UETR, Ohmyfin can search by bank reference (MT103 field 20). This works for many payments, especially recent ones, but only sees the leg known to the originating bank — it cannot show the full chain.
If you only have an amount, sender name, and date, tracking is much harder — banks typically need at least a reference or the UETR to look up a specific payment. Ask the sender to fish out either.
Common scam: someone tells you a payment was sent but refuses to share the UETR or MT103. That is a red flag — every legitimate sender can get the UETR within minutes from their bank.
If you don't have a UETR, you can still track using the bank reference (MT103 field 20) on Ohmyfin — paste it the same way you would a UETR. The match will work at the originating bank's leg of the chain. For full end-to-end tracking, ask the sender's bank to look up the UETR that corresponds to your reference — they can do this instantly.
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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