Last reviewed: · Curated by Ohmyfin Organisation editorial.
Ohmyfin tracks MT202 (and MT202COV) cover payments using the UETR in field 121. Useful when investigating a delayed customer payment whose underlying cover is stuck at a correspondent bank.
How it works — 3 steps
Step 1 · PasteDrop your UETR, MT103 reference or pacs.008 EndToEndId into the form above.
Step 2 · ScanOhmyfin queries the SWIFT correspondent network and decodes the latest status in 2-6 seconds.
Step 3 · ReadSee the plain-English status, every correspondent bank, value date, currency and per-hop fees.
What you get
Tracks MT202 and MT202COV cover messages
Same UETR as the underlying customer MT103
Visibility into bank-to-bank settlement
Free for the first 10 searches per day
At-a-glance
MT202 Tracker — at-a-glance specifications
Tracker type
Bank-to-bank cover (MT202 / MT202COV)
Inputs accepted
UETR (same as paired MT103)
Customer data
Only on MT202COV
Speed
2-6 seconds
Price for individuals
Free worldwide
Frequently asked questions
Will I see the customer details on an MT202?
Only on MT202COV — plain MT202 carries no customer data. Most regulators now mandate MT202COV.
What is the difference between MT103 and MT202?
MT103 is the customer credit transfer (carries beneficiary detail). MT202 is the bank-to-bank funding leg (cover) that moves the money between correspondents. Both share the same UETR.
Why would I track an MT202?
When a customer MT103 stalls, the cover MT202 often shows where the funds are actually stuck — typically at an intermediary correspondent that has not yet released them.
Is MT202 also being replaced by ISO 20022?
Yes — pacs.009 replaces MT202 / MT202COV in the ISO 20022 migration completing November 2025. Ohmyfin will track both for as long as both formats remain in circulation.
Can I cover-route my own payment?
No — only banks can issue MT202/MT202COV messages. Customers issue MT103/pacs.008 instructions.