HSBC is one of the world's largest correspondent banks and is fully GPI-enabled across all its major booking centres. If your international wire involves HSBC — whether you sent from an HSBC account, or HSBC is a correspondent in the chain — tracking is straightforward once you have the UETR.
HSBC's SWIFT BIC varies by country and product: HBUKGB4B (UK retail), HSBCHKHH (Hong Kong), HSBCUS33 (USA), HSBCSGSG (Singapore), HSBCAEAD (UAE). The BIC in the chain does not affect your ability to track — only the UETR matters.
Finding the UETR in HSBC online banking: log in, go to "Payments" or "Transfers", select the wire in question, and look for "GPI reference", "Unique reference", or "Payment reference" under the transaction detail. HSBC has displayed UETRs in online banking for personal accounts since 2020 and for business accounts (HSBC Global Banking) since 2019.
If you are a personal banking customer and cannot see the UETR in the app, call the HSBC international payments line (not general customer service). Reference your internal payment reference from the confirmation email and ask for the "MT103 UETR, field 121". HSBC agents can retrieve this from their core system within minutes.
For HSBC Premier and HSBC Private Banking customers, your relationship manager has direct access to the GPI status dashboard and can share the full hop-by-hop status including correspondent fees. This is a service benefit you are entitled to use.
Once you have the UETR, paste it into Ohmyfin. Ohmyfin queries the SWIFT GPI network (the same data HSBC's own portal reads) and returns the latest status: ACSP (in transit), ACSC (settled), RJCT (rejected). If the payment shows as ACSC but the beneficiary has not seen the credit, the delay is at the beneficiary bank side — the UETR confirmation is the proof that HSBC's leg is complete.
Typical HSBC processing times: UK to USD corridor — same day if sent before 14:00 London time. UK to EUR — same day (SEPA). UK to Asia — next business day. UK to Nigeria or Ghana — 2–3 business days due to local correspondent screening.
Note: Ohmyfin is an independent tracker that reads public GPI data. We have no special access to HSBC's internal systems. The UETR lookup returns the same data HSBC displays on its own GPI portal.
HSBC's internal status terminology (e.g. "processing", "in transit") does not always sync in real time with the GPI status visible on Ohmyfin. ACSC in GPI means the beneficiary bank has confirmed receipt. If the beneficiary has not seen the credit, contact the beneficiary bank directly with the UETR.
Yes. HSBC has full GPI access and can see every hop. Ask the international payments desk to read you the latest GPI status — they should be able to name the correspondent.
No. GPI tracking is included in the standard international wire fee. Asking for the UETR or GPI status is not a "trace" fee event — only issuing an MT195 inquiry to another bank may incur a fee.
Ask the sender to share the UETR from their HSBC confirmation. Paste it on Ohmyfin — the same UETR tracks the payment from both ends.